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MPAY MANAGEPAY SYSTEMS BERHAD

0156.KL · Technology · Software
Bottom 21% of scored stocks
Compare with nearby peers
WeakBottom 21% of scored stocksLast year (FY2025): 31
Weak SpotRecent Loss

MPAY scores 33/100 on fundamentals: in the bottom 21% of 1120 scored Bursa Malaysia stocks. Its strongest area is Financial Safety (67/100); its weakest is Business Strength (10/100). It carries 2 warning flags: Weak Spot, Recent Loss.

Best
Financial 67
Weakest
Business 10
  • Carries a Weak Spot flag
  • Carries a Recent Loss flag
Mkt capRM 56.8m#869 of 1113 in BursaEPSRM 0.00P/En/m (loss-making)✓ vs sector avg 42×P/B0.9×✓ vs sector avg 3×Div yieldNo dividends paidBottom 18% in Bursa52w range · 12% of range0.050.09
as of 18 Oct 2026

Nearby peers

Ranks #90 of 124 in Technology by score

#1IDBTECH87#88MQTECH33#89MLAB33
#90MPAY33
#91JCY33#92VINVEST32

One-Minute Summary

Why MPAY scores 33

An expensively priced stock, but business strength needs attention.

What looks good
What to watch

After Jun '26 results: 26 → 27+1· P/B Ratio Okay → StrongSee all movers →

Business StrengthLowest pillar

10
Why 10?
Pillar score: (0 + 1 + 0 + 0 + 0) = 1 of 10 points → 10
Return on Equity (ROE)-8%Weak4-Year Revenue Growth+6%/yrOkay4-Year Profit Growthn/m (loss-making)WeakNet Profit Marginn/m (loss-making)WeakQuarterly Momentumn/m (loss-making)Weak
Show 3 charts

Net Profit & Equity, with ROE

Net Profit ↑ +53.3%Equity ↓ -19.7%ROE % -8.1%
Net ProfitEquityROE %
-11m-13m-15m-5m77m65m67m62m2022202320252026-13.9%-20.6%-22.6%-8.1%

Revenue & Net Profit, with Net Margin

Revenue ↑ +18.3%Net Profit ↑ +53.3%Net Margin % -23.5%
RevenueNet ProfitNet Margin %
18m18m15m21m-11m-13m-15m-5m2022202320252026-59.4%-76.1%-102.7%-23.5%

Sales grew about 18.3% over 4 years: customers keep spending more with this company.

The company lost money in recent years: the bars below zero are losses, not profits.

Recent Quarters: Revenue & Net Profit (the last 8 quarters, scored)

Revenue ↑ +85%Net Profit ↓ -48.4%Net Margin % -62.2%
RevenueNet ProfitNet Margin %
4m3m3m5m3m9m3m7m-3m4m3m-18m-1m4m-3m-5mSep '24Dec '24Mar '25Jun '25Sep '25Dec '25Mar '26Jun '26-77.5%111.8%100%-393.6%-50%39.8%-104%-62.2%
▼▲▲▼▼▼▼▼

Sales grew about 85% over the last 8 quarters: customers keep spending more with this company.

The company made a loss in at least one of the last 8 quarters: the bars below zero are losses, not profits.

Why 67?
Pillar score: (2 + 2 + 0) = 4 of 6 points → 67
Debt-to-Equity0.1×StrongCurrent Ratio2.2×StrongInterest Coverage-6.4×Weak
Show 2 charts

Debt vs Equity, with D/E ratio

Total Debt ↑ +625%Equity ↓ -19.7%D/E 0.1×
Total DebtEquityD/E
1m6m6m6m77m65m67m62m20222023202520260×0.1×0.1×0.1×

Borrowings grew about 625% over 4 years: watch this; rising debt adds pressure in bad times.

Short-term assets vs bills, with Current Ratio

Current Assets → +0%Current Liabilities ↑ +64.1%Current Ratio 2.2×
Current AssetsCurrent LiabilitiesCurrent Ratio
29m31m30m29m8m17m14m13m20222023202520263.7×1.9×2.1×2.2×
Why 13?
Pillar score: (0 + 0 + 0 + 1) = 1 of 8 points → 13
Dividend QualityNo dividends paidWeak
Payout ratio: -0%
Operating Cash FlowNegative recentlyWeakFree Cash FlowNegative recentlyWeakCash & Cash EquivalentsPartly healthyOkay
Show 3 charts

Operating vs Free Cash Flow

Operating CF ↑ +113.8%Free CF ↑ +82.4%
Operating CFFree CF
-6m-4m-24m1m-15m-6m-25m-3m2022202320252026

Cash flow has been weak or negative recently: the business is burning cash, not building it.

Cash vs Total Debt

Cash ↓ -3.2%Total Debt ↑ +625%
CashTotal Debt
6m6m9m6m1m6m6m6m2022202320252026

Dividends per Share, with Yield

DPS (sen) → +0%Yield % 0%
DPS (sen)Yield %
000020222023202420250%0%0%0%

Dividends per share have been maintained or raised: management shares the rewards with you.

Why 33?
Pillar score: (0 + 2 + 0) = 2 of 6 points → 33
P/E Ration/m (loss-making)WeakP/B Ratio0.9×StrongPEG Ration/m (growth not measurable)Weak
Show chart

Score vs Share Price

Score (0-100)Share price
RM 0.09RM 0.07RM 0.05100500score 31 → 33Oct '25Feb '26Jun '26Oct '26

The share price is down about 31.3% over the past year.

What happened, and how the price moved

Nothing to show for this period. Try a longer range or another filter.

Why 42?
Pillar score: (0 + 0 + 1 + 2 + 2 + 0) = 5 of 12 points → 42
Earnings ConsistencyVery bumpyWeakDebt Trend (4yr)RisingWeakShare Count Trend (4yr)+6%/yrOkayInventory vs Sales (4yr)-19 pp/yr vs salesStrongAsset Turnover Trend (4yr)+32.7%StrongQuarterly ConsistencyLoss in 5 of 8 quartersWeak
Show chart

Revenue vs Inventory, with Inventory % of Revenue

Revenue ↑ +18.3%Inventory ↓ -46.8%Inv. % of Rev. 11.7%
RevenueInventoryInv. % of Rev.
18m18m15m21m5m5m2m3m202220232025202626.1%26.7%16.3%11.7%

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Ranks #90 of 124 in Technology by score

Sector peers

#1IDBTECH87#88MQTECH33#89MLAB33
#90MPAY (you)33
#91JCY33#92VINVEST32

Full Financial History

Every reported figure behind the score, year by year. Download it, or check it against the company's own annual report.

Financial YearRevenueNet ProfitOperating Cash FlowFree Cash FlowCapExCashTotal DebtShort-Term DebtEquityCurrent AssetsCurrent LiabilitiesTotal AssetsTotal LiabilitiesInventoryDividendsReturn on Equity (ROE)Net Profit MarginDebt-to-EquityCurrent RatioInterest CoverageDiv yieldP/E RatioP/B Ratio
2026RM 21.3mRM -5.0mRM 0.8mRM -2.6mRM -3.5mRM 6.0mRM 5.8mRM 4.8mRM 61.7mRM 28.6mRM 12.8mRM 75.7mRM 14.0mRM 2.5m--8%-23%0.1×2.2×-6.4×0%-12.4×1.0×
2025RM 14.7mRM -15.1mRM -23.7mRM -24.9mRM -1.2mRM 8.7mRM 6.0mRM 5.3mRM 66.8mRM 29.8mRM 14.2mRM 81.8mRM 15.2mRM 2.4mRM 0.0m-23%-103%0.1×2.1×-34.9×0%-5.8×1.3×
2023RM 17.6mRM -13.4mRM -4.5mRM -6.1mRM -1.6mRM 6.4mRM 5.5m-RM 65.1mRM 31.1mRM 16.7mRM 82.5mRM 17.5mRM 4.7mRM 0.0m-21%-76%0.1×1.9×-47.4×0%-8.4×1.7×
2022RM 18.0mRM -10.7mRM -5.8mRM -14.8mRM -9.0mRM 6.2mRM 0.8mRM 0.3mRM 76.8mRM 28.6mRM 7.8mRM 85.3mRM 8.7mRM 4.7mRM 0.0m-14%-59%0.0×3.7×-429.7×0%-8.4×1.2×