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SmartPay Holdings Ltd
Buy, Hold or Sell?

Let's analyse Smartpay together

PenkeI guess you are interested in SmartPay Holdings Ltd. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of SmartPay Holdings Ltd. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

You can find me behind Let's Analyse Together in the top-right of each section.

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Quick analysis of Smartpay (30 sec.)










What can you expect buying and holding a share of Smartpay? (30 sec.)

How much money do you get?

How much money do you get?
A$0.00
When do you have the money?
1 year
How often do you get paid?
10.0%

What is your share worth?

Current worth
A$0.16
Expected worth in 1 year
A$0.31
How sure are you?
80.0%

+ What do you gain per year?

Total Gains per Share
A$0.15
Return On Investment
10.2%

For what price can you sell your share?

Current Price per Share
A$1.46
Expected price per share
A$1.345 - A$1.48
How sure are you?
50%

1. Valuation of Smartpay (5 min.)




Live pricePrice per Share (EOD)

A$1.46

Intrinsic Value Per Share

A$0.27 - A$0.55

Total Value Per Share

A$0.43 - A$0.71

2. Growth of Smartpay (5 min.)




Is Smartpay growing?

Current yearPrevious yearGrowGrow %
How rich?$25.3m$19.5m$5.7m22.8%

How much money is Smartpay making?

Current yearPrevious yearGrowGrow %
Making money$5m$1.3m$3.7m74.3%
Net Profit Margin10.9%4.5%--

How much money comes from the company's main activities?

3. Financial Health of Smartpay (5 min.)




What can you expect buying and holding a share of Smartpay? (5 min.)

Welcome investor! Smartpay's management wants to use your money to grow the business. In return you get a share of Smartpay.

What can you expect buying and holding a share of Smartpay?

First you should know what it really means to hold a share of Smartpay. And how you can make/lose money.

Speculation

The Price per Share of Smartpay is A$1.46. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of Smartpay.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Smartpay, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is A$0.16. Based on the TTM, the Book Value Change Per Share is A$0.04 per quarter. Based on the YOY, the Book Value Change Per Share is A$0.02 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is A$0.00 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Smartpay.

How much money are you going to get?

 MRQTTMYOY5Y10Y
 A$% of Price per ShareA$% of Price per ShareA$% of Price per ShareA$% of Price per ShareA$% of Price per Share
Usd Eps0.021.5%0.021.5%0.010.5%0.00-0.3%0.000.0%
Usd Book Value Change Per Share0.021.7%0.021.7%0.010.9%0.010.9%0.010.6%
Usd Dividend Per Share0.000.0%0.000.0%0.000.0%0.000.0%0.000.0%
Usd Total Gains Per Share0.021.7%0.021.7%0.010.9%0.010.9%0.010.6%
Usd Price Per Share0.76-0.76-0.44-0.42-0.27-
Price to Earnings Ratio35.58-35.58-55.99-6.68-32.16-
Price-to-Total Gains Ratio31.15-31.15-34.00-7.24-77.34-
Price to Book Ratio7.11-7.11-5.32-6.33-5.42-
Price-to-Total Gains Ratio31.15-31.15-34.00-7.24-77.34-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share0.952358
Number of shares1050
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.000.00
Usd Book Value Change Per Share0.020.01
Usd Total Gains Per Share0.020.01
Gains per Quarter (1050 shares)25.5013.90
Gains per Year (1050 shares)102.0155.58
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
101029205646
202041940111102
303062960167158
404083980222214
505105000278270
606126020333326
707147040389382
808168060444438
909189080500494
100102010101555550

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share1.00.00.0100.0%2.01.00.066.7%2.03.00.040.0%7.03.00.070.0%11.014.00.044.0%
Book Value Change Per Share1.00.00.0100.0%3.00.00.0100.0%3.02.00.060.0%8.02.00.080.0%16.09.00.064.0%
Dividend per Share0.00.01.00.0%1.00.02.033.3%1.00.04.020.0%1.00.09.010.0%3.00.022.012.0%
Total Gains per Share1.00.00.0100.0%3.00.00.0100.0%3.02.00.060.0%8.02.00.080.0%16.09.00.064.0%

Fundamentals of Smartpay

About SmartPay Holdings Ltd

Smartpay Holdings Limited designs, develops, and implements technology products, services, and software to merchants and retailers in New Zealand and Australia. It provides payment solutions for retail, business payment, and transactional processing requirements. The company also sells Eftpos terminals; and offers hardware, software, and maintenance and repairs services. It serves retail, trade, hair and beauty, taxi and transport, charities and schools, hospitality, and tourism industries. The company was incorporated in 1986 and is headquartered in Auckland, New Zealand.

Fundamental data was last updated by Penke on 2024-03-18 19:25:04.

Financial Health

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is efficient in making profit.
Using its investors money, the company is efficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is operating less efficient.
The company is less efficient in keeping operating costs low.
Liquidity Details
 Compared to previous yearCompared to industry
The company is just able to pay all its short-term debts.
The company is just not able to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is able to pay all its debts by selling its assets.
The company is able to pay all its debts with equity.

Valuation

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is overpriced.
Based on the earnings, the company is overpriced.
Based on how much money comes from the company's main activities, the company is fair priced.

1.1. Profitability of SmartPay Holdings Ltd.

1.1. Profitability
1.1.1. Net Profit Margin

Measures how much net profit Smartpay earns for each $1 of revenue.

  • Above 10% is considered healthy but always compare Smartpay to the Software - Infrastructure industry mean.
  • A Net Profit Margin of 10.9% means that $0.11 for each $1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of SmartPay Holdings Ltd:

  • The MRQ is 10.9%. The company is making a huge profit. +2
  • The TTM is 10.9%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ10.9%TTM10.9%0.0%
TTM10.9%YOY4.5%+6.4%
TTM10.9%5Y-10.8%+21.7%
5Y-10.8%10Y-1.5%-9.3%
1.1.2. Return on Assets

Shows how efficient Smartpay is using its assets to generate profit.

  • Above 5% is considered healthy but always compare Smartpay to the Software - Infrastructure industry mean.
  • 9.6% Return on Assets means that Smartpay generated $0.10 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of SmartPay Holdings Ltd:

  • The MRQ is 9.6%. Using its assets, the company is efficient in making profit. +1
  • The TTM is 9.6%. Using its assets, the company is efficient in making profit. +1
Trends
Current periodCompared to+/- 
MRQ9.6%TTM9.6%0.0%
TTM9.6%YOY3.2%+6.4%
TTM9.6%5Y-5.3%+14.9%
5Y-5.3%10Y-0.8%-4.5%
1.1.3. Return on Equity

Shows how efficient Smartpay is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare Smartpay to the Software - Infrastructure industry mean.
  • 20.0% Return on Equity means Smartpay generated $0.20 for each $1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of SmartPay Holdings Ltd:

  • The MRQ is 20.0%. Using its investors money, the company is efficient in making profit. +1
  • The TTM is 20.0%. Using its investors money, the company is efficient in making profit. +1
Trends
Current periodCompared to+/- 
MRQ20.0%TTM20.0%0.0%
TTM20.0%YOY6.6%+13.3%
TTM20.0%5Y-17.1%+37.1%
5Y-17.1%10Y-2.0%-15.1%

1.2. Operating Efficiency of SmartPay Holdings Ltd.

1.2. Operating Efficiency
1.2.1. Operating Margin

Measures how efficient Smartpay is operating .

  • Measures how much profit Smartpay makes for each $1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare Smartpay to the Software - Infrastructure industry mean.
  • An Operating Margin of 12.3% means the company generated $0.12  for each $1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of SmartPay Holdings Ltd:

  • The MRQ is 12.3%. The company is operating less efficient.
  • The TTM is 12.3%. The company is operating less efficient.
Trends
Current periodCompared to+/- 
MRQ12.3%TTM12.3%0.0%
TTM12.3%YOY4.6%+7.7%
TTM12.3%5Y3.3%+9.0%
5Y3.3%10Y9.7%-6.4%
1.2.2. Operating Ratio

Measures how efficient Smartpay is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Software - Infrastructure industry mean).
  • An Operation Ratio of 0.89 means that the operating costs are $0.89 for each $1 in net sales.

Let's take a look of the Operating Ratio trends of SmartPay Holdings Ltd:

  • The MRQ is 0.894. The company is less efficient in keeping operating costs low.
  • The TTM is 0.894. The company is less efficient in keeping operating costs low.
Trends
Current periodCompared to+/- 
MRQ0.894TTM0.8940.000
TTM0.894YOY0.952-0.057
TTM0.8945Y1.070-0.176
5Y1.07010Y0.951+0.119

1.3. Liquidity of SmartPay Holdings Ltd.

1.3. Liquidity
1.3.1. Current Ratio

Measures if Smartpay is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Software - Infrastructure industry mean).
  • A Current Ratio of 1.07 means the company has $1.07 in assets for each $1 in short-term debts.

Let's take a look of the Current Ratio trends of SmartPay Holdings Ltd:

  • The MRQ is 1.066. The company is just able to pay all its short-term debts.
  • The TTM is 1.066. The company is just able to pay all its short-term debts.
Trends
Current periodCompared to+/- 
MRQ1.066TTM1.0660.000
TTM1.066YOY1.195-0.129
TTM1.0665Y0.880+0.186
5Y0.88010Y0.884-0.004
1.3.2. Quick Ratio

Measures if Smartpay is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare Smartpay to the Software - Infrastructure industry mean.
  • A Quick Ratio of 0.67 means the company can pay off $0.67 for each $1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of SmartPay Holdings Ltd:

  • The MRQ is 0.674. The company is just not able to pay all its short-term debts with the most liquid assets. -1
  • The TTM is 0.674. The company is just not able to pay all its short-term debts with the most liquid assets. -1
Trends
Current periodCompared to+/- 
MRQ0.674TTM0.6740.000
TTM0.674YOY0.864-0.190
TTM0.6745Y0.641+0.033
5Y0.64110Y0.747-0.106

1.4. Solvency of SmartPay Holdings Ltd.

1.3. Liquidity
1.4.1. Debt to Asset Ratio

Measures how much % of Smartpay assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare Smartpay to Software - Infrastructure industry mean.
  • A Debt to Asset Ratio of 0.52 means that Smartpay assets are financed with 52.1% credit (debt) and the remaining percentage (100% - 52.1%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of SmartPay Holdings Ltd:

  • The MRQ is 0.521. The company is able to pay all its debts by selling its assets. +1
  • The TTM is 0.521. The company is able to pay all its debts by selling its assets. +1
Trends
Current periodCompared to+/- 
MRQ0.521TTM0.5210.000
TTM0.521YOY0.514+0.007
TTM0.5215Y0.618-0.097
5Y0.61810Y0.667-0.049
1.4.2. Debt to Equity Ratio

Measures if Smartpay is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare Smartpay to the Software - Infrastructure industry mean.
  • A Debt to Equity ratio of 108.7% means that company has $1.09 debt for each $1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of SmartPay Holdings Ltd:

  • The MRQ is 1.087. The company is able to pay all its debts with equity. +1
  • The TTM is 1.087. The company is able to pay all its debts with equity. +1
Trends
Current periodCompared to+/- 
MRQ1.087TTM1.0870.000
TTM1.087YOY1.057+0.030
TTM1.0875Y1.965-0.879
5Y1.96510Y2.271-0.305

2. Market Valuation of SmartPay Holdings Ltd

2.1. Earnings Per Share
2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every $1 in earnings Smartpay generates.

  • Above 15 is considered overpriced but always compare Smartpay to the Software - Infrastructure industry mean.
  • A PE ratio of 35.58 means the investor is paying $35.58 for every $1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of SmartPay Holdings Ltd:

  • The EOD is 44.777. Based on the earnings, the company is overpriced. -1
  • The MRQ is 35.576. Based on the earnings, the company is overpriced. -1
  • The TTM is 35.576. Based on the earnings, the company is overpriced. -1
Trends
Current periodCompared to+/- 
EOD44.777MRQ35.576+9.201
MRQ35.576TTM35.5760.000
TTM35.576YOY55.992-20.415
TTM35.5765Y6.678+28.898
5Y6.67810Y32.165-25.486
2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of SmartPay Holdings Ltd:

  • The EOD is 39.553. Based on how much money comes from the company's main activities, the company is fair priced.
  • The MRQ is 31.426. Based on how much money comes from the company's main activities, the company is fair priced.
  • The TTM is 31.426. Based on how much money comes from the company's main activities, the company is fair priced.
Trends
Current periodCompared to+/- 
EOD39.553MRQ31.426+8.127
MRQ31.426TTM31.4260.000
TTM31.426YOY22.642+8.784
TTM31.4265Y20.574+10.852
5Y20.57410Y13.877+6.698
2. Book Value per Share
2.3. Price to Book Ratio

Measures if the stock price of Smartpay is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Software - Infrastructure industry mean).
  • A PB ratio of 7.11 means the investor is paying $7.11 for each $1 in book value.

Let's take a look of the Price to Book Ratio trends of SmartPay Holdings Ltd:

  • The EOD is 8.952. Based on the equity, the company is overpriced. -1
  • The MRQ is 7.113. Based on the equity, the company is overpriced. -1
  • The TTM is 7.113. Based on the equity, the company is overpriced. -1
Trends
Current periodCompared to+/- 
EOD8.952MRQ7.113+1.840
MRQ7.113TTM7.1130.000
TTM7.113YOY5.324+1.789
TTM7.1135Y6.331+0.781
5Y6.33110Y5.419+0.913
2. Total Gains per Share

3. Holders & Insider Transactions

Let's take a look at which institutions, funds and insiders are holding shares of SmartPay Holdings Ltd.

4. Summary

4.1. Key Performance Indicators

The key performance indicators of SmartPay Holdings Ltd compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share--0.0370.0370%0.020+89%0.020+84%0.014+173%
Book Value Per Share--0.1630.1630%0.126+30%0.097+67%0.073+124%
Current Ratio--1.0661.0660%1.195-11%0.880+21%0.884+21%
Debt To Asset Ratio--0.5210.5210%0.514+1%0.618-16%0.667-22%
Debt To Equity Ratio--1.0871.0870%1.057+3%1.965-45%2.271-52%
Dividend Per Share----0%-0%0.000-100%0.000-100%
Eps--0.0330.0330%0.012+172%-0.008+123%-0.001+102%
Free Cash Flow Per Share--0.0370.0370%0.030+25%0.015+141%0.008+349%
Free Cash Flow To Equity Per Share--0.0280.0280%0.026+6%0.018+53%0.008+266%
Gross Profit Margin--0.1810.1810%-0.838+564%0.874-79%0.937-81%
Intrinsic Value_10Y_max--0.548--------
Intrinsic Value_10Y_min--0.265--------
Intrinsic Value_1Y_max--0.035--------
Intrinsic Value_1Y_min--0.013--------
Intrinsic Value_3Y_max--0.120--------
Intrinsic Value_3Y_min--0.051--------
Intrinsic Value_5Y_max--0.224--------
Intrinsic Value_5Y_min--0.102--------
Market Cap347896088.320+21%276410600.000276410600.0000%159650944.640+73%152025826.752+82%100317982.560+176%
Net Profit Margin--0.1090.1090%0.045+141%-0.108+200%-0.015+114%
Operating Margin--0.1230.1230%0.046+170%0.033+271%0.097+27%
Operating Ratio--0.8940.8940%0.952-6%1.070-16%0.951-6%
Pb Ratio8.952+21%7.1137.1130%5.324+34%6.331+12%5.419+31%
Pe Ratio44.777+21%35.57635.5760%55.992-36%6.678+433%32.165+11%
Price Per Share1.460+21%1.1601.1600%0.670+73%0.638+82%0.421+176%
Price To Free Cash Flow Ratio39.553+21%31.42631.4260%22.642+39%20.574+53%13.877+126%
Price To Total Gains Ratio39.209+21%31.15331.1530%33.998-8%7.243+330%77.340-60%
Quick Ratio--0.6740.6740%0.864-22%0.641+5%0.747-10%
Return On Assets--0.0960.0960%0.032+197%-0.053+155%-0.008+108%
Return On Equity--0.2000.2000%0.066+201%-0.171+186%-0.020+110%
Total Gains Per Share--0.0370.0370%0.020+89%0.020+84%0.014+172%
Usd Book Value--25349273.60825349273.6080%19561573.956+30%15141255.048+67%11299226.743+124%
Usd Book Value Change Per Share--0.0240.0240%0.013+89%0.013+84%0.009+173%
Usd Book Value Per Share--0.1060.1060%0.082+30%0.064+67%0.047+124%
Usd Dividend Per Share----0%-0%0.000-100%0.000-100%
Usd Eps--0.0210.0210%0.008+172%-0.005+123%0.000+102%
Usd Free Cash Flow--5737366.6195737366.6190%4599480.539+25%2379673.920+141%1277560.247+349%
Usd Free Cash Flow Per Share--0.0240.0240%0.019+25%0.010+141%0.005+349%
Usd Free Cash Flow To Equity Per Share--0.0180.0180%0.017+6%0.012+53%0.005+266%
Usd Market Cap226932618.411+21%180302634.380180302634.3800%104140311.189+73%99166446.790+82%65437420.024+176%
Usd Price Per Share0.952+21%0.7570.7570%0.437+73%0.416+82%0.275+176%
Usd Profit--5068057.1135068057.1130%1300270.033+290%-1302906.525+126%-157230.809+103%
Usd Revenue--46605393.02646605393.0260%28812066.474+62%25021150.166+86%18889627.958+147%
Usd Total Gains Per Share--0.0240.0240%0.013+89%0.013+84%0.009+172%
 EOD+4 -4MRQTTM+0 -0YOY+26 -85Y+29 -710Y+27 -9

4.2. Fundamental Score

Let's check the fundamental score of SmartPay Holdings Ltd based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-1544.777
Price to Book Ratio (EOD)Between0-18.952
Net Profit Margin (MRQ)Greater than00.109
Operating Margin (MRQ)Greater than00.123
Quick Ratio (MRQ)Greater than10.674
Current Ratio (MRQ)Greater than11.066
Debt to Asset Ratio (MRQ)Less than10.521
Debt to Equity Ratio (MRQ)Less than11.087
Return on Equity (MRQ)Greater than0.150.200
Return on Assets (MRQ)Greater than0.050.096
Total6/10 (60.0%)

4.3. Technical Score

Let's check the technical score of SmartPay Holdings Ltd based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5059.443
Ma 20Greater thanMa 501.405
Ma 50Greater thanMa 1001.437
Ma 100Greater thanMa 2001.399
OpenGreater thanClose1.470
Total3/5 (60.0%)



Reversals in quarterly reports

I have detected a reversal (positive to negative, negative to positive) in the following values of the quarterly reports.

 2019-03-312020-03-312021-03-312022-03-312023-03-31
Net Debt  24,9222,01726,939-18,1028,837-6,8621,975-6,222-4,247



Latest Balance Sheet

Balance Sheet of 2023-03-31. Currency in NZD. All numbers in thousands.

Summary
Total Assets88,270
Total Liabilities45,965
Total Stockholder Equity42,305
 As reported
Total Liabilities 45,965
Total Stockholder Equity+ 42,305
Total Assets = 88,270

Assets

Total Assets88,270
Total Current Assets35,530
Long-term Assets48,111
Total Current Assets
Cash And Cash Equivalents 19,477
Net Receivables 2,982
Other Current Assets 13,071
Total Current Assets  (as reported)35,530
Total Current Assets  (calculated)35,530
+/-0
Long-term Assets
Property Plant Equipment 20,034
Goodwill 14,772
Intangible Assets 13,305
Other Assets 4,629
Long-term Assets  (as reported)48,111
Long-term Assets  (calculated)52,740
+/- 4,629

Liabilities & Shareholders' Equity

Total Current Liabilities33,331
Long-term Liabilities9,000
Total Stockholder Equity42,305
Total Current Liabilities
Short-term Debt 2,220
Short Long Term Debt 1,000
Accounts payable 5,235
Other Current Liabilities 28,096
Total Current Liabilities  (as reported)33,331
Total Current Liabilities  (calculated)36,551
+/- 3,220
Long-term Liabilities
Long term Debt 9,000
Capital Lease Obligations Min Short Term Debt2,634
Long-term Liabilities  (as reported)9,000
Long-term Liabilities  (calculated)11,634
+/- 2,634
Total Stockholder Equity
Common Stock91,641
Retained Earnings -51,354
Accumulated Other Comprehensive Income 2,018
Total Stockholder Equity (as reported)42,305
Total Stockholder Equity (calculated)42,305
+/-0
Other
Capital Stock91,641
Cash and Short Term Investments 19,477
Common Stock Shares Outstanding 238,285
Current Deferred Revenue-2,220
Liabilities and Stockholders Equity 88,270
Net Debt -4,623
Net Invested Capital 52,305
Net Working Capital 2,199
Property Plant and Equipment Gross 36,602
Short Long Term Debt Total 14,854



Balance Sheet

Currency in NZD. All numbers in thousands.

 Trend2023-03-312022-03-312021-03-312020-03-312019-03-312018-03-312017-03-312016-03-312015-03-312014-03-312013-03-312012-03-312011-03-312010-03-312009-03-312008-03-312007-03-312006-03-312005-03-312004-03-312003-03-312002-03-312001-03-312000-03-311999-03-311997-03-311996-03-31
> Total Assets 
0
0
18,708
16,603
16,139
5,890
7,808
7,560
5,393
3,380
10,234
14,526
13,652
31,840
46,681
43,881
40,791
40,606
42,146
43,832
44,630
46,524
55,109
46,401
57,856
67,152
88,270
88,27067,15257,85646,40155,10946,52444,63043,83242,14640,60640,79143,88146,68131,84013,65214,52610,2343,3805,3937,5607,8085,89016,13916,60318,70800
   > Total Current Assets 
0
0
6,483
7,770
7,998
5,467
4,979
4,934
2,175
1,530
4,145
2,851
1,539
10,770
17,065
17,820
9,413
7,003
7,646
6,487
6,316
7,710
12,689
5,649
18,050
23,731
35,530
35,53023,73118,0505,64912,6897,7106,3166,4877,6467,0039,41317,82017,06510,7701,5392,8514,1451,5302,1754,9344,9795,4677,9987,7706,48300
       Cash And Cash Equivalents 
0
0
914
1,645
1,640
1,185
687
236
1,480
1,350
485
882
56
914
2,331
3,871
4,429
4,300
4,965
3,414
2,896
2,396
3,357
1,417
9,021
14,882
19,477
19,47714,8829,0211,4173,3572,3962,8963,4144,9654,3004,4293,8712,331914568824851,3501,4802366871,1851,6401,64591400
       Short-term Investments 
0
0
0
0
0
0
0
0
0
138
0
0
0
0
0
0
0
0
0
0
0
100
0
0
0
0
0
0000010000000000000138000000000
       Net Receivables 
0
0
2,849
2,528
2,720
1,331
1,575
1,631
695
37
2,284
1,289
985
6,916
10,748
11,576
2,954
2,436
2,479
2,752
3,056
4,914
9,308
2,346
2,011
2,278
2,982
2,9822,2782,0112,3469,3084,9143,0562,7522,4792,4362,95411,57610,7486,9169851,2892,284376951,6311,5751,3312,7202,5282,84900
       Other Current Assets 
0
0
0
22
22
13
233
287
0
5
111
146
174
743
381
129
50
267
202
321
364
300
24
1,886
7,018
6,571
13,071
13,0716,5717,0181,886243003643212022675012938174317414611150287233132222000
   > Long-term Assets 
0
0
12,225
8,833
8,141
423
2,829
2,626
3,218
1,850
6,089
11,675
12,113
21,070
29,616
26,061
31,378
33,603
34,500
37,345
38,314
38,814
42,420
39,793
38,915
42,332
48,111
48,11142,33238,91539,79342,42038,81438,31437,34534,50033,60331,37826,06129,61621,07012,11311,6756,0891,8503,2182,6262,8294238,1418,83312,22500
       Property Plant Equipment 
0
0
3,252
436
385
142
830
912
193
0
1,489
3,906
3,829
13,023
2,584
1,513
4,287
11,212
12,638
14,695
15,417
13,670
13,445
9,921
9,483
14,922
20,034
20,03414,9229,4839,92113,44513,67015,41714,69512,63811,2124,2871,5132,58413,0233,8293,9061,48901939128301423854363,25200
       Goodwill 
0
0
8,815
8,258
7,696
0
1,659
1,571
1,484
0
1,160
5,307
5,350
5,350
5,350
5,350
13,055
14,772
14,772
14,772
14,772
14,772
14,772
14,772
14,772
14,772
14,772
14,77214,77214,77214,77214,77214,77214,77214,77214,77214,77213,0555,3505,3505,3505,3505,3071,16001,4841,5711,65907,6968,2588,81500
       Intangible Assets 
0
0
0
0
0
0
0
0
0
0
2,310
2,348
2,591
43
8,469
4,504
4,640
7,142
6,861
7,878
7,913
10,250
14,203
15,100
14,660
12,638
13,305
13,30512,63814,66015,10014,20310,2507,9137,8786,8617,1424,6404,5048,469432,5912,3482,3100000000000
       Other Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
477
229
0
212
852
867
959
891
1,089
4,629
4,6291,089891959867852212022947700000000000000000
> Total Liabilities 
0
0
2,229
2,481
3,108
1,185
2,089
3,465
1,102
220
6,200
8,781
7,455
22,481
29,246
35,405
33,928
30,915
30,719
32,348
31,021
30,509
41,462
36,188
30,322
34,506
45,965
45,96534,50630,32236,18841,46230,50931,02132,34830,71930,91533,92835,40529,24622,4817,4558,7816,2002201,1023,4652,0891,1853,1082,4812,22900
   > Total Current Liabilities 
0
0
2,229
2,481
3,108
1,185
2,089
3,465
1,102
220
5,036
5,435
6,187
20,963
18,664
28,696
8,011
7,036
9,908
7,545
6,581
9,029
14,376
18,064
19,094
19,856
33,331
33,33119,85619,09418,06414,3769,0296,5817,5459,9087,0368,01128,69618,66420,9636,1875,4355,0362201,1023,4652,0891,1853,1082,4812,22900
       Short-term Debt 
0
0
0
547
844
0
0
861
0
0
351
1,415
2,916
12,730
10,706
22,758
2,784
2,772
5,817
2,982
2,984
2,998
3,495
12,619
7,630
2,382
2,220
2,2202,3827,63012,6193,4952,9982,9842,9825,8172,7722,78422,75810,70612,7302,9161,4153510086100844547000
       Short Long Term Debt 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
25,964
3,201
2,982
2,984
2,998
3,000
12,206
7,092
1,279
1,000
1,0001,2797,09212,2063,0002,9982,9842,9823,20125,96400000000000000000
       Accounts payable 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,425
703
994
1,431
4,754
10,834
2,229
2,361
3,095
5,235
5,2353,0952,3612,22910,8344,7541,4319947031,42500000000000000000
       Other Current Liabilities 
0
0
203
441
441
206
745
1,041
618
169
410
1,285
1,099
4,907
3,654
2,480
98
2,549
2,401
1,888
1,554
1,277
47
15,835
16,733
16,761
28,096
28,09616,76116,73315,835471,2771,5541,8882,4012,549982,4803,6544,9071,0991,2854101696181,04174520644144120300
   > Long-term Liabilities 
0
0
0
0
0
0
0
0
0
0
1,164
3,346
1,268
1,518
10,582
6,709
25,917
23,879
20,811
24,803
24,440
21,480
27,086
17,505
11,000
10,000
9,000
9,00010,00011,00017,50527,08621,48024,44024,80320,81123,87925,9176,70910,5821,5181,2683,3461,1640000000000
       Long term Debt Total 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
24,354
23,934
22,742
26,992
18,124
11,011
0
0
0011,01118,12426,99222,74223,93424,3540000000000000000000
       Other Liabilities 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
687
568
689
506
256
94
0
217
0
0
0021709425650668956868700000000000000000
       Deferred Long Term Liability 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
852
867
934
891
1,089
0
01,089891934867852000000000000000000000
> Total Stockholder Equity
0
0
16,479
14,122
13,031
4,705
5,719
4,095
4,291
3,160
4,034
5,745
6,197
9,359
17,435
8,476
6,863
9,691
11,427
11,484
13,609
16,015
13,647
10,213
27,534
32,646
42,305
42,30532,64627,53410,21313,64716,01513,60911,48411,4279,6916,8638,47617,4359,3596,1975,7454,0343,1604,2914,0955,7194,70513,03114,12216,47900
   Common Stock
0
10,039
14,800
12,824
11,508
7,932
9,754
9,777
9,959
10,025
6,020
10,307
14,179
19,440
27,431
30,585
54,378
54,642
54,709
54,438
53,998
53,454
53,454
54,433
86,663
91,641
91,641
91,64191,64186,66354,43353,45453,45453,99854,43854,70954,64254,37830,58527,43119,44014,17910,3076,02010,0259,9599,7779,7547,93211,50812,82414,80010,0390
   Retained Earnings Total Equity000000000000000000000000000
   Accumulated Other Comprehensive Income 
0
0
-1,777
-1,864
-1,928
-1,968
-2,288
-2,319
-62
0
-313
-784
-1,582
-2,534
-22
-34
-49
582
631
375
276
143
115
70
361
817
2,018
2,01881736170115143276375631582-49-34-22-2,534-1,582-784-3130-62-2,319-2,288-1,968-1,928-1,864-1,77700
   Capital Surplus 000000000000000000000000000
   Treasury Stock000000000000000000000000000
   Other Stockholders Equity 
0
0
2,861
1,864
1,928
1,968
0
0
0
0
0
0
0
0
0
0
0
582
631
375
276
136
115
-10,143
-27,173
-31,829
-40,287
-40,287-31,829-27,173-10,143115136276375631582000000000001,9681,9281,8642,86100



Balance Sheet

Currency in NZD. All numbers in thousands.




Cash Flow

Currency in NZD. All numbers in thousands.




Income Statement

Currency in NZD. All numbers in thousands.


Latest Income Statement (annual, 2023-03-31)

Gross Profit (+$)
totalRevenue77,779
Cost of Revenue-51,907
Gross Profit25,87225,872
 
Operating Income (+$)
Gross Profit25,872
Operating Expense-17,645
Operating Income9,5708,227
 
Operating Expense (+$)
Research Development-
Selling General Administrative18,270
Selling And Marketing Expenses6,931
Operating Expense17,64525,201
 
Net Interest Income (+$)
Interest Income270
Interest Expense-610
Other Finance Cost-298
Net Interest Income-638
 
Pretax Income (+$)
Operating Income9,570
Net Interest Income-638
Other Non-Operating Income Expenses-
Income Before Tax (EBT)7,57311,567
EBIT - interestExpense = 8,960
9,343
9,068
Interest Expense610
Earnings Before Interest and Taxes (EBIT)9,5708,183
Earnings Before Interest and Taxes (EBITDA)15,378
 
After tax Income (+$)
Income Before Tax7,573
Tax Provision--885
Net Income From Continuing Ops8,4588,458
Net Income8,458
Net Income Applicable To Common Shares-
 
Non-recurring Events
Discontinued Operations-
Extraordinary Items-
Effect of Accounting Charges-
Other Items-
Non Recurring-
Other Operating Expenses69,552
Total Other Income/Expenses Net-1,997638
 

Technical Analysis of Smartpay
The psychology behind the price

Technical indicators reflecting market sentiment and the collective psychology of you and other traders. Your emotions and other traders' emotions, such as fear and greed, play a significant role in driving price movements.

General trend

First of all, I'm going to put something in the back of your mind. One of the most stable factors that gives you more confidence as a trader: the general trend of Smartpay. The general trend of Smartpay is BEARISH with 14.3% confidence. It is very important for your mental being to use each indicator with this in mind. But beware, also the general trend flips once in a while! You can use moving averages to determine Smartpay's overall trend. For convenience I use the most commonly used moving averages: 20, 50, 100 & 200. Of course you can use other moving averages or other indicators to determine the trend.

Indicator phases

Some of the indicators I use have 3 zones: overbought, oversold and neutral. Transitions between these zones (market phases) provide valuable trading signals and insights. Expecially with the general trend mind, I use the highlighted phases:

Indicator zone transitionsBullish trend (-14.3%) Bearish trend (14.3%)
Overbought to neutralBullish pullback=Bearish reversal
Upper to lower neutralBullish correction=Bearish continuation
Nuetral to oversoldOversold=Oversold
Oversold to neutralBullish reversal=Bearish correction
Lower to upper neutralBullish continuation=Bearish pullback
Nuetral to overboughtOverbought=Overbought

1. Price Targets

1.1 Support & Resistance

Support and resistance are levels on a price chart that act as barriers or zones where the price of an asset tends to stop, reverse, or experience a significant amount of buying or selling pressure.

Support is a price level at which demand for an asset is strong enough to prevent the price from falling further.
Resistance is a price level at which selling pressure becomes significant enough to prevent the price of an asset from rising further.


Score

Let's take a look at the Support & Resistance of SmartPay Holdings Ltd.

The long score for the Support & Resistance is 1/1.
The longshort score for the Support & Resistance is 1/(-1 +1).

  • Around support: The price is currently trading around a support level. This can be considered as a potential entry level. +1

The bullish price targets are: 1.47 < 1.47 < 1.48.

The bearish price targets are: 1.46 > 1.35 > 1.345.

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SmartPay Holdings Ltd Daily Support & Resistance Chart

2. Trend Indicators

2.1 Moving Averages

Shows the moving average of the selected period.

  • Moving averages are lagging trend indicators.
  • There are many types of moving averages.
  • Moving averages are also used within other indicators.

Score

Let's take a look at the Moving Averages of SmartPay Holdings Ltd. The current mas is .

The long score for the Moving Averages is 6/14.
The longshort score for the Moving Averages is -2/(-14 +14).

  • MA 20 trending down: The MA 20 is trending down. -1
  • Close > MA 20: The price is above the MA 20. +1
  • MA 20 < MA 50: The MA 20 is lower than the MA 50. -1
  • MA 20 > MA 100: The MA 20 is higher than the MA 100. +1
  • MA 20 < MA 200: The MA 20 is lower than the MA 200. -1
  • MA 50 trending down: The MA 50 is trending down. -1
  • Close > MA 50: The price is above the MA 50. +1
  • MA 50 > MA 100: The MA 50 is higher than the MA 100. +1
  • MA 50 < MA 200: The MA 50 is lower than the MA 200. -1
  • MA 100 trending up: The MA 100 is trending up. +1
  • Close > MA 100: The price is above the MA 100. +1
  • MA 100 < MA 200: The MA 100 is lower than the MA 200. -1
  • MA 200 trending down: The MA 200 is trending down. -1
  • Close < MA 200: The price is below the MA 200. -1

Directionalities and relatives.

Moving AverageAmount of candlesTrendPrice +/-vs. MA 50vs. MA 100vs. MA 200
MA 2020
MA 5050-
MA 100100--
MA 200200---

Explanation: https://www.youtube.com/watch?v=xwW8h0lrQ-I

SmartPay Holdings Ltd Daily Moving Averages Chart
2.2 Moving Average Convergence/Divergence (MACD)

Shows the momentum of the selected period based on two moving averages.

  • MACD is a lagging momentum indicator.
  • Uses two moving averages.
  • Can show buy or sell signals based on momentum.
  • Can show overbought. and oversold. levels.

Score

Let's take a look at the Moving Average Convergence/Divergence (MACD) of SmartPay Holdings Ltd. The current macd is 0.0032796.

The long score for the Moving Average Convergence/Divergence (MACD) is 4/4.
The longshort score for the Moving Average Convergence/Divergence (MACD) is 4/(-4 +4).

  • MACD line > signal line: The MACD line is above the signal line, which indicates a bullish signal in the market. This means that the positive momentum is currently stronger than the average momentum, suggesting that buyers are more active than sellers, and there's a higher probability of the Smartpay price going up in the near term. +2
  • MACD > 0: The MACD is above the zero line (centerline), it indicates a bullish signal for Smartpay. This means that the short-term moving average is higher than the long-term moving average, signaling positive momentum and suggesting a higher likelihood of the Smartpay price continuing to rise in the near future. It indicates that buyers are gaining control, and there is optimism in the market, leading to potential price increases. +1
  • Trending up: The MACD line is trending up. This indicates that the short-term moving average is rising faster than the long-term moving average, suggesting positive momentum in the market. This signals that buyers are becoming more active and confident, leading to potential price increases as traders anticipate further gains and are willing to buy at higher prices. +1
SmartPay Holdings Ltd Daily Moving Average Convergence/Divergence (MACD) ChartSmartPay Holdings Ltd Daily Moving Average Convergence/Divergence (MACD) Chart
2.3 Directional Movement Index (DMI)

The DMI is a collection of 3 indicators: +DI (Plus Direction Indicator), -DI (Minus Direction Indicator) and ADX (Average Directional Index). The ADX helps you determine the strength of a trend.


Score

Let's take a look at the Directional Movement Index (DMI) of SmartPay Holdings Ltd. The current adx is 16.29.

The long score for the Directional Movement Index (DMI) is 2/7.
The longshort score for the Directional Movement Index (DMI) is 2/(-7 +7).

  • PLUS_ID > MINUS_DI: The +DI line is above the -DI line. This indicates a bullish signal in the market, as the positive directional movement is currently stronger than the negative directional movement, showing that buyers have the upper hand. Market psychology suggests that traders are optimistic, expecting further price increases, and are more willing to buy Smartpay shares, leading to potential upward momentum in its price. +1
  • PLUS_ID > MINUS_DI && ADX < 25 && ADX trending up: The ADX is below 25 and indicates a weak or no trend. However, the ADX is rising and a new bullish trend could be forming. +1
SmartPay Holdings Ltd Daily Directional Movement Index (DMI) Chart
2.4 Parabolic SAR

Shows the current trend and potential entry and exit signals.

  • Parabolic SAR (stop and reverse) is a lagging trend indicator.
  • Shows the current trend.
  • Shows potential entry signals.
  • Shows  potential exit signals.
  • Can be used to place trailing stoplosses..

Score

Let's take a look at the Parabolic SAR of SmartPay Holdings Ltd. The current sar is 1.35305056.

The long score for the Parabolic SAR is 1/1.
The longshort score for the Parabolic SAR is 1/(-1 +1).

  • Close > SAR: The price is above the SAR. It's generally considered a bullish signal. +1
SmartPay Holdings Ltd Daily Parabolic SAR Chart

3. Momentum Indicators

3.1 Relative Strength Index (RSI)

Measures the speed and change of price movements.

  • Leading momentum indicator, meaning the signals are instant.
  • Ranges between 0 and 100.
  • Above 70 is considered overbought.
  • Below 30 is considered oversold.
  • Above or below 50 can also be used to determine price trend or support and resistance.
  • RSI divergence looks at a deviation between RSI and price movement. Penketrading automatically calculates RSI divergences.
  • Can be used in many different ways

Score

Let's take a look at the Relative Strength Index (RSI) of SmartPay Holdings Ltd. The current rsi is 59.44. The current phase is Correction in bear market.

The long score for the Relative Strength Index (RSI) is 4/13.
The longshort score for the Relative Strength Index (RSI) is 4/(-13 +13).

  • Correction in bear market: Extended price decline in a downtrend, significant pullback. Consider reducing exposure, wait for signs of trend reversal.
  • Trending up: The RSI is trending up. +1
SmartPay Holdings Ltd Daily Relative Strength Index (RSI) ChartSmartPay Holdings Ltd Daily Relative Strength Index (RSI) Chart
3.2 Stochastic Oscillator

Compares a certain price to multiple prices ranging over time.

  • Leading momentum indicator, meaning the signals are instant.
  • Used to determine overbought and oversold areas much like the RSI.
  • Ranges between 0 and 100.
  • Above 80 is considered overbought.
  • Below 20 is considered oversold.
  • Consists of two lines named K and D.
  • K compares the highest high and lowest low on the selected price range.
  • The D line is a moving average of the K line.
  • Can be used to spot divergences

Score

Let's take a look at the Stochastic Oscillator of SmartPay Holdings Ltd. The current phase is Overbought in bear market.

The long score for the Stochastic Oscillator is 3/6.
The longshort score for the Stochastic Oscillator is 0/(-6 +6).

  • STOCH > 50: The STOCH %K is above 50. There are more buyers than sellers. +1
  • STOCH > 80: The STOCH %K is above 80 and overbought. +2
  • STOCH %K line < STOCH %D line: The STOCH %K line is below the STOCH %D line, which indicates a bearish signal in the market. This means that the negative momentum is currently stronger than the average momentum, suggesting that sellers are more active than buyers, and there's a higher probability of the Smartpay price going down in the near term. -2
  • Trending down: The STOCH %K is trending down. -1
SmartPay Holdings Ltd Daily Stochastic Oscillator ChartSmartPay Holdings Ltd Daily Stochastic Oscillator Chart
3.3 Commodity Channel Index (CCI)

Measures the difference between the current price and the historical average price.

  • Lagging or leading Momentum indicator
  • When the CCI is above zero, the price is above the historical average
  • When the CCI is below zero, the price is below the historical average
  • Used for spotting trends
    • If the CCI moves from negative or near zero to positive 100 that might indicate an uptrend
    • If the CCI moves from positive or near zero to negative -100 that might indicate a downtrend

Score

Let's take a look at the Commodity Channel Index (CCI) of SmartPay Holdings Ltd. The current cci is 193.59.

The long score for the Commodity Channel Index (CCI) is 1/1.
The longshort score for the Commodity Channel Index (CCI) is 1/(-1 +1).

  • CCI > 100: The CCI is above 100, it indicates that the price is significantly above its average, suggesting a potential overbought condition. +1
SmartPay Holdings Ltd Daily Commodity Channel Index (CCI) ChartSmartPay Holdings Ltd Daily Commodity Channel Index (CCI) Chart
3.4 Chande Momentum Oscillator (CMO)

Measures the difference between the sum of recent gains and the sum of recent losses. Then divides the result by the sum of all price movements in that period.

  • Lagging momentum indicator
  • Ranges between +100 and -100
  • Considered overbought above +50
  • Considered oversold below -50
  • It's possible to add a moving average that acts as a signal line

Score

Let's take a look at the Chande Momentum Oscillator (CMO) of SmartPay Holdings Ltd. The current cmo is 33.28.

The long score for the Chande Momentum Oscillator (CMO) is 1/1.
The longshort score for the Chande Momentum Oscillator (CMO) is 1/(-1 +1).

  • CMO > 0: The CMO is above 0, the momentum of the price is positive, indicating a potential uptrend in the price. +1
SmartPay Holdings Ltd Daily Chande Momentum Oscillator (CMO) ChartSmartPay Holdings Ltd Daily Chande Momentum Oscillator (CMO) Chart
3.5 Williams %R

 Shows the current price relative to the highest high over the last 14 days.
 

  • Lagging momentum indicator
  • Ranging between 0 and -100
  • Above -20 is considered overbought
  • Below -80 is considered oversold
  • Is prone to give false signals

Score

Let's take a look at the Williams %R of SmartPay Holdings Ltd. The current willr is -17.24137931.

The long score for the Williams %R is 1/1.
The longshort score for the Williams %R is 1/(-1 +1).

  • WILLR > -20: The Williams %R is above -20. This indicates that the price is in overbought territory, suggesting a potential price correction or trend reversal to the downside. +1
SmartPay Holdings Ltd Daily Williams %R ChartSmartPay Holdings Ltd Daily Williams %R Chart

4. Volatility Indicators

4.1 Bollinger Bands

Shows if the price is to high or to low relative to an average.

  • Lagging volatility indicator
  • Uses 3 bands: one upper, one lower and one in the middle
  • Works best when the middle band reflects an intermediate trend (MA20).
  • When the price is moving closer to the upper band, the market might be overbought
  • When the price is moving closer to the lower band, the market might be oversold 

Score

Let's take a look at the Bollinger Bands of SmartPay Holdings Ltd.

SmartPay Holdings Ltd Daily Bollinger Bands Chart
4.2 Average True Range (ATR)
Measures market volatility
  • Leading volatility indicator
  • Can be used to determine stop-loss positions
  • Calculated by:
    • Current high minus the current low
    • Current high minus the previous close
    • Current low minus the previous close
  • The larger the range of the candles, the greater the ATR value

Score

Let's take a look at the Average True Range (ATR) of SmartPay Holdings Ltd. The current atr is 0.03917492.

SmartPay Holdings Ltd Daily Average True Range (ATR) ChartSmartPay Holdings Ltd Daily Average True Range (ATR) Chart

5. Volume Indicators

5.1 On-Balance Volume (OBV)

 Measures market volatility

  • Leading momentum indicator
  • Calculation:
    • If the closing price is above the previous closing price: OBV = previous OBV + current volume
    • If the closing price is below the previous closing price: OBV = previous OBV - current volume
    • If the closing price is the same as the previous closing price than the OBV is the same.
  • Can be used to confirm price trends
  • Can be used with divergences

Score

Let's take a look at the On-Balance Volume (OBV) of SmartPay Holdings Ltd. The current obv is 17,972,143.

SmartPay Holdings Ltd Daily On-Balance Volume (OBV) ChartSmartPay Holdings Ltd Daily On-Balance Volume (OBV) Chart
5.2 Money Flow Index (MFI)

Measures the flow of money in and out of a security

  • Lagging momentum indicator
  • Looks like RSI but uses volume as an extra metric (RSI only considers price)
  • Above 80 is considered overbought
  • Below 20 is considered oversold
  • Can be used with divergences

Score

Let's take a look at the Money Flow Index (MFI) of SmartPay Holdings Ltd. The current mfi is 92.60.

The long score for the Money Flow Index (MFI) is 2/2.
The longshort score for the Money Flow Index (MFI) is 2/(-2 +2).

  • MFI > 50: +1
  • MFI > 80: +1
SmartPay Holdings Ltd Daily Money Flow Index (MFI) ChartSmartPay Holdings Ltd Daily Money Flow Index (MFI) Chart

6. Summary

6.1. Notifications

TypeNotificationDate
PenkeCurrently no notifications for SmartPay Holdings Ltd.

6.2. Trading Signals

Below you will find trading signals as the indicator is commonly used. This doesn't mean you should use it that way. Learn from these, but don't use them blindly. I recommend using at least 4 indicators, 1 from each category: trend, momentum, volatility and volume.

DateIndicatorSignal
2023-11-09WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2023-11-10STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-13STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2023-11-14CCI LONG ENTRY SHORT CLOSE100 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-11-15DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-11-16STOCH LONG EXITThe %K line crosses below the %D line.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2023-11-21DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2023-11-22SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
2023-11-23STOCH SHORT EXITThe %K line crosses above the %D line.
2023-11-24STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-27STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2023-11-28CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2023-11-29MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
STOCH LONG EXITThe %K line crosses below the %D line.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2023-12-01STOCH SHORT EXITThe %K line crosses above the %D line.
2023-12-05STOCH LONG EXITThe %K line crosses below the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2023-12-06STOCH SHORT EXITThe %K line crosses above the %D line.
2023-12-08STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-11STOCH SHORT EXITThe %K line crosses above the %D line.
2023-12-14MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2023-12-15SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH LONG EXITThe %K line crosses below the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2023-12-18STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-19DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
2023-12-20DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-22STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2023-12-27CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2024-01-03STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-05STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-08STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-09CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-01-10MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-01-11WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2024-01-12STOCH LONG EXITThe %K line crosses below the %D line.
MFI LONG ENTRY SHORT CLOSE20 crossover to upside
2024-01-15MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-01-16BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2024-01-17STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-18RSI SHORT ENTRY LONG CLOSE70 crossover to downside
2024-01-19STOCH SHORT EXITThe %K line crosses above the %D line.
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2024-01-22STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-24MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
2024-01-25MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-01-29MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2024-01-30STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-01MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
2024-02-06CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2024-02-08STOCH SHORT EXITThe %K line crosses above the %D line.
2024-02-09CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-02-12MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2024-02-13STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2024-02-15STOCH SHORT EXITThe %K line crosses above the %D line.
2024-02-20SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-02-21STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-02-22CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2024-02-23STOCH SHORT EXITThe %K line crosses above the %D line.
2024-02-26STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-27SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2024-02-28STOCH SHORT EXITThe %K line crosses above the %D line.
2024-02-29CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-03-01STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-03-04CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2024-03-06CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-03-07STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-11CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-03-12STOCH LONG EXITThe %K line crosses below the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-03-13STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-14STOCH LONG EXITThe %K line crosses below the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2024-03-19STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-20STOCH LONG EXITThe %K line crosses below the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2024-03-21STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-22MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-03-25DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-03-26CCI LONG ENTRY SHORT CLOSE100 crossover to upside
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2024-03-27STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-28BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.

6.3. Candlestick Patterns

SmartPay Holdings Ltd Daily Candlestick Chart
DateCandlestick Pattern

6.4. Technical Score

Let's check the technical score of SmartPay Holdings Ltd based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5059.443
Ma 20Greater thanMa 501.405
Ma 50Greater thanMa 1001.437
Ma 100Greater thanMa 2001.399
OpenGreater thanClose1.470
Total3/5 (60.0%)
Penke

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