Smartpay Holdings Limited (NZE:SPY)

New Zealand · Delayed Price · Currency is NZD

1.195

-0.005 (-0.42%)

Inactive · Last trade price on Oct 29, 2025

Smartpay Holdings Financials Overview

Financials in millions NZD. Fiscal year is April - March.

Millions NZD. Fiscal year is Apr - Mar.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '25 Mar 31, 2025	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022	Mar '21 Mar 31, 2021
Revenue	104.72	104.72	96.51	77.78	48.08	33.85
Revenue Growth	4.31%	8.51%	24.09%	61.75%	42.07%	19.72%
Gross Profit	25.07	25.07	27.79	25.87	14.55	9.65
Operating Income	1.34	1.34	10.62	9.57	2.19	-0.22
Net Income	-0.72	-0.72	8.41	8.46	2.17	-15.2
Earnings Per Share	-0.00	-0.00	0.04	0.04	0.01	-0.07
EPS Growth	-	-	-0.61%	286.44%	-	-

Revenue by Segment

Fiscal Year	FY	FY	FY	FY	FY
Period Ending	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022	Mar '21 Mar 31, 2021	Mar '20 Mar 31, 2020	Mar '19 Mar 31, 2019
Transactional Income	79.43	60.98	31.53	17.46	10.29
Service	15.99	15.77	16.06	15.81	16.69
Goods	0.73	0.59	0.26	0.27	0.92
Short Term Rentals	0.24	0.27	0.1	0.14	0.25
Other Service	0.12	0.16	0.12	0.18	0.12

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '25 Mar 31, 2025	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022	Mar '21 Mar 31, 2021
Cash & Investments	12.08	12.08	20.24	19.57	14.88	9.02
Total Debt	21.17	21.17	15.98	14.85	17.03	18.64
Net Cash (Debt)	-9.1	-9.1	4.26	4.72	-2.15	-9.62
Net Cash Growth	-	-	-9.63%	-	-	-
Net Cash Per Share	-0.04	-0.04	0.02	0.02	-0.01	-0.05

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '25 Mar 31, 2025	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022	Mar '21 Mar 31, 2021
Operating Cash Flow	12.01	12.01	18.21	19.88	11.8	8.62
Capital Expenditures	-9.02	-9.02	-10.57	-8.99	-4.12	-2.91
Free Cash Flow	2.99	2.99	7.63	10.89	7.68	5.7
Free Cash Flow Growth	-66.60%	-60.82%	-29.89%	41.86%	34.62%	8.24%

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '25 Mar 31, 2025	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022	Mar '21 Mar 31, 2021
Gross Margin	23.94%	23.94%	28.79%	33.26%	30.26%	28.50%
Operating Margin	1.28%	1.28%	11.01%	12.30%	4.55%	-0.65%
Pretax Margin	-0.11%	-0.11%	9.12%	9.74%	3.68%	-44.20%
Profit Margin	-0.69%	-0.69%	8.71%	10.88%	4.51%	-44.91%
FCF Margin	2.86%	2.86%	7.91%	14.00%	15.96%	16.85%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 4, 2026	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022	Mar '21 Mar 31, 2021
PE Ratio	-	-	44.22	34.93	77.42	-
P/FCF Ratio	96.66	68.76	48.69	27.14	21.89	39.49
PS Ratio	2.76	1.96	3.85	3.80	3.49	6.65