Payments Group Holding GmbH & Co. KGaA

PGH.DE

Asset Management · Financial Services

Exchange

Deutsche Börse

Winston Score

Winston is worried

Weak fundamentals across most pillars.

Data as of Aug 23, 2026 · filings through Dec 31, 2025

How the score breaks down

Quality

Weak

Growth

Weak

Cash Flow

Weak

Stability

Data not available

Valuation

Data not available

Track this stock — start free trial

Winston Score History

The full picture

Payments Group Holding GmbH & Co. KGaA is a German financial services company focused on payment processing and related fintech services. It provides digital payment infrastructure and transaction services, targeting businesses and merchants that need to accept and process payments. The company operates in the competitive European payments industry, which includes many established players and fast-growing startups.

The company earns revenue by taking fees on payment transactions and offering payment-related software or services, which explains its roughly 53% gross margin. It is based in Germany and appears to operate primarily in European markets, though it remains a very small company with a near-zero reported market capitalization. The deeply negative operating margin of around -291% signals that the company is spending far more than it earns, which is a serious financial risk. The key challenge going forward is reaching a scale where transaction volumes are large enough to cover operating costs and move the business toward profitability.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+19.1% YoY

YoY Growth Rate

Steady revenue growth

EPS Growth

+73.7% YoY

YoY Growth Rate

EPS growth accelerating

Insider Activity

85.3%ownership

Insiders own a meaningful stake in the company

Cash Runway

~22 months

€8M cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Adequate runway but may need to raise capital within 2 years

Growth context

Payments Group Holding GmbH & Co. KGaA is growing revenue at 19% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Quality

Profit per sale

Gross Margin

26.1%

Modest — 26.1% gross margin

Profit after running costs

Operating Margin

-262.1%

Losing money on operations — -262.1%

Return on the money invested

ROCE

-18.2%

Weak — -18.2% return on capital

Negative ROIC means the business is losing money on every dollar invested in it.

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Growth

Sales growth

Sales YoY

-43.4%

Shrinking sales (-43.4% YoY)

Profit growth

EPS YoY

N/A

Data not available

How steady the profit is

EPS Consistency

3/8 quarters

Earnings rarely grow — volatile business

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Cash Flow

Profit that turns into cash

Cash Conversion

N/A

Data not available

Spare cash per sale

FCF Margin

-326.4%

Burning cash (-326.4%)

Free cash flow is negative. They are burning cash, not generating it.

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Stability

What it owes vs what it owns

Debt / Equity

N/A

Data not available

Covers its interest

Interest Cover

N/A

Data not available

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Valuation

Price vs profit

P/E Ratio (TTM)

N/M

no trend

Negative earnings — P/E not meaningful

Cheaper or dearer next year

P/E vs Forward

N/A

not available

Data not available

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Dividends

Not applicable for this business.

🔒 See full fundamentals and if they are improving or declining — click here for your free trial now.

Start free trial