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Upturn AI Summary - About
Nayax Ltd(NYAX)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for NYAX
09/25/2026: NYAX (2-star) is currently NOT-A-BUY. Pass it for now.
Nayax Ltd is a global financial technology company specializing in commerce enablement for unattended and attended retail. The company has a leading position in providing integrated payment hardware and management software, which creates strong customer stickiness. Its primary growth opportunity lies in expanding into new high-growth verticals like electric vehicle charging stations and capturing more of the North American market. However, investors must consider risks including intense competition, the complexity of scaling international operations, and potential macroeconomic sensitivity in transaction volumes. The stock is a growth-oriented play, and it currently does not pay dividends, making it best suited for investors focused on long-term capital appreciation.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Strong fit | Nayax demonstrates high revenue growth rates and significant market opportunity in the evolving unattended retail space. |
| Momentum investor | Strong fit while signal remains positive | The stock often tracks with expansion phases in the broader FinTech sector and company-specific growth news. |
| Value investor | Weak fit | The company is currently prioritizing growth over profitability, making it less suitable for traditional value metrics. |
| Dividend investor | Weak fit | Nayax does not pay a dividend and reinvests all cash flow into expansion. |
| Low-risk investor | Weak fit | High growth, volatility, and execution risks inherent in international scaling make this unsuitable for conservative portfolios. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | As a growth-oriented tech stock, NYAX is subject to significant price fluctuations based on market sentiment. |
| Valuation risk | Medium / high | Investors pay a premium for high growth expectations, leaving the stock vulnerable if growth targets are missed. |
| Competition risk (payment processing) | High | The sector is crowded with well-capitalized competitors, which can pressure margins and market share. |
| Business quality | Medium | While the recurring SaaS revenue is strong, the hardware-heavy business model requires constant capital investment. |
| Dividend income | Low / none | There is no income component to the investment thesis. |
| Execution risk | Medium / high | Successfully integrating multiple acquisitions and scaling globally involves significant operational complexity. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Choppy
The stock has experienced frequent reversals and pronounced short-term price swings.
Analysis of Past Performance
Type Stock | Historic Profit 60.04% | Avg. Invested days 50 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/25/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.68B USD | Price to earnings Ratio 204.68 | 1Y Target Price 76 |
Price to earnings Ratio 204.68 | 1Y Target Price 76 | ||
Volume (30-day avg) 30.4K shares | Beta -0.2 | 52 Weeks Range 39.17 - 76.86 | Updated Date 09/27/2026 |
52 Weeks Range 39.17 - 76.86 | Updated Date 09/27/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.22 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Transaction Fees | Commissions earned from payment processing services provided through Nayax terminals. | This is a core, recurring revenue stream tied to consumer spending. |
| SaaS Subscriptions | Monthly fees from operators using the NayaxVend management software platform. | This provides predictable, high-margin recurring income. |
| Hardware Sales | Revenue from the initial sale of VPOS Touch terminals and other IoT devices. | This acts as the entry point to lock customers into the broader ecosystem. |
| Geography (Global) | Operations across Europe, North America, and other international markets. | The company relies on global diversification to mitigate regional economic downturns. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Geography
Geography revenue - Year on Year
Valuation
Trailing PE 204.68 | Forward PE 40.16 | Enterprise Value 1.67B | Price to Sales(TTM) 3.71 |
Enterprise Value 1.67B | Price to Sales(TTM) 3.71 | ||
Enterprise Value to Revenue 3.68 | Enterprise Value to EBITDA 30.18 | Shares Outstanding 37.38M | Shares Floating 16.92M |
Shares Outstanding 37.38M | Shares Floating 16.92M | ||
Percent Insiders 58.86 | Percent Institutions 28.51 |
Upturn AI Summary
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About Nayax Ltd
Exchange NASDAQ | Headquarters - | ||
IPO Launch date 2022-09-21 | Co-founder, CEO & Chairman of the Board Mr. Yair Nechmad | ||
Sector Technology | Industry Software - Infrastructure | Full time employees 1200 | Website https://www.nayax.com |
Full time employees 1200 | Website https://www.nayax.com | ||
Nayax Ltd., a fintech company, designs, develops, and sells integrated POS devices and software for automated self-service customers in-house in the United States, Europe, the United Kingdom, Australia, Israel, and the rest of the world. It offers POS, cashless payments, and charging stations, such as VPOS Touch, Onyx, Nova Market, DOT, Nova C4, Nova C3, EV-Meter, EV Kiosk, Nova 55F, Nova 22, Nova 156, Nova Modu, and Nova Kiosk; management suite and telemetry solutions, Nayax Core Management Suite, MoMa, Vending Management System, Nayax Energy Core, and Retail Management Cloud; marketing, loyalty, and consumer engagement platforms, such as Monyx Wallet and Weezmo; payments and integrations solutions, including API Suite and Coinbridge. The company serves vending machines, kiosks, self-checkouts, ticketing machines, laundromats, gaming terminals, and EV charging stations. Nayax Ltd. was incorporated in 2005 and is headquartered in Herzliya, Israel.
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