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1. Company Snapshot

1.a. Company Description

W.A.G payment solutions plc operates integrated payments and mobility platform that focuses on the commercial road transportation industry primary in Europe.The company uses its proprietary technology to enhance performance of commercial road transport operators by providing a range of integrated services, including frictionless energy and toll payments, tax refunds, vehicle information and telematics, smart routing, and other services, including through its Road Lords app.W.A.G payment solutions plc was founded in 1995 and is based in London, the United Kingdom.

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1.b. Last Insights on WPS

W.A.G payment solutions' recent performance was positively driven by its potential undervaluation, as identified by investors seeking opportunities amidst broader economic uncertainties. The UK's fluctuating market conditions, influenced by weak trade data from China, have impacted sectors tied to global demand. A recent analysis highlighted W.A.G as one of three UK stocks that may be trading below their estimated value, suggesting a potential buying opportunity. No recent earnings release or share buyback announcements were found to impact the stock's performance over the past three months.

1.c. Company Highlights

2. Transcript Summary

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3. NewsRoom

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Frontier Developments Leads The Pack Of 3 UK Penny Stocks To Consider

Sep -11

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3 UK Stocks That May Be Trading Below Their Estimated Value In June 2025

Jun -27

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UK Stocks Trading Below Estimated Value In May 2025

May -28

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3 UK Stocks That May Be Trading Below Their Intrinsic Value By At Least 20.8%

Apr -29

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3 UK Stocks Estimated Up To 46.9% Below Intrinsic Value

Mar -31

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3 UK Stocks Estimated To Be Undervalued For Savvy Investors

Feb -19

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Discover Coats Group And 2 More UK Stocks Estimated Below Fair Value

Jan -01

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3 UK Stocks Estimated To Be Up To 45.9% Undervalued Presenting An Opportunity

Nov -21

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4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (8.10%)

6. Segments

Payment Solutions

Expected Growth: 8%

W.A.G payment solutions plc's 8% growth is driven by increasing adoption of digital payments, expansion into new markets, strategic partnerships, and innovative product offerings. Additionally, the company's focus on security, convenience, and user experience has led to customer loyalty and retention, further fueling growth.

Mobility Solutions

Expected Growth: 10%

W.A.G payment solutions plc's Mobility Solutions segment growth is driven by increasing adoption of contactless payments, rising demand for digital wallets, and growing need for seamless transportation payment experiences. Additionally, partnerships with mobility providers, expansion into new markets, and investments in innovative technologies such as 5G and IoT are contributing to the 10% growth.

7. Detailed Products

Acquiring Services

W.A.G payment solutions plc provides acquiring services that enable businesses to accept card payments from customers. This service includes payment processing, transaction management, and settlement.

Issuing Services

W.A.G payment solutions plc offers issuing services that allow financial institutions to issue payment cards to their customers. This service includes card production, personalization, and management.

Payment Gateway

W.A.G payment solutions plc provides a payment gateway that enables online businesses to accept payments from customers. This service includes payment processing, fraud detection, and security.

Card Processing

W.A.G payment solutions plc offers card processing services that enable businesses to process card transactions efficiently. This service includes authorization, clearing, and settlement.

Digital Wallets

W.A.G payment solutions plc provides digital wallet services that enable customers to store their payment cards and make transactions online. This service includes tokenization, authentication, and authorization.

Fraud Detection and Prevention

W.A.G payment solutions plc offers fraud detection and prevention services that help businesses identify and prevent fraudulent transactions. This service includes machine learning-based fraud detection, transaction monitoring, and alerts.

Compliance and Security

W.A.G payment solutions plc provides compliance and security services that ensure businesses meet regulatory requirements and maintain the security of customer data. This service includes PCI-DSS compliance, data encryption, and access control.

8. W.A.G payment solutions plc's Porter Forces

Forces Ranking

Threat Of Substitutes

W.A.G payment solutions plc operates in a niche market, but there are substitutes available in the market. However, the company's strong brand recognition and customer loyalty reduce the threat of substitutes.

Bargaining Power Of Customers

W.A.G payment solutions plc has a large customer base, but the bargaining power of customers is low due to the company's diversified customer base and lack of concentration.

Bargaining Power Of Suppliers

W.A.G payment solutions plc has a moderate bargaining power of suppliers due to the availability of alternative suppliers in the market.

Threat Of New Entrants

The threat of new entrants is high in the payment solutions industry due to low barriers to entry and the attractiveness of the market.

Intensity Of Rivalry

The intensity of rivalry is high in the payment solutions industry due to the presence of several established players and the need to constantly innovate to stay competitive.

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 62.61%
Debt Cost 3.96%
Equity Weight 37.39%
Equity Cost 3.96%
WACC 3.96%
Leverage 167.45%

11. Quality Control: W.A.G payment solutions plc passed 1 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

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WAGPS

A-Score: 4.3/10

Value: 4.5

Growth: 5.7

Quality: 2.0

Yield: 2.5

Momentum: 9.0

Volatility: 2.0

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Spirent Communications

A-Score: 4.1/10

Value: 0.8

Growth: 1.7

Quality: 5.1

Yield: 3.1

Momentum: 7.0

Volatility: 7.0

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Radware

A-Score: 3.6/10

Value: 1.2

Growth: 3.6

Quality: 6.1

Yield: 0.0

Momentum: 6.5

Volatility: 4.0

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Allot

A-Score: 3.4/10

Value: 2.6

Growth: 2.9

Quality: 4.8

Yield: 0.0

Momentum: 10.0

Volatility: 0.3

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Cognyte Software

A-Score: 3.4/10

Value: 3.6

Growth: 4.7

Quality: 4.1

Yield: 0.0

Momentum: 6.5

Volatility: 1.3

1-Year Total Return ->

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XBP Europe Holdings

A-Score: 3.3/10

Value: 8.7

Growth: 1.6

Quality: 4.2

Yield: 0.0

Momentum: 5.5

Volatility: 0.0

1-Year Total Return ->

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Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

1.06$

Current Price

1.06$

Potential

-0.00%

Expected Cash-Flows