Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
How It Works 
News - Chart
- Upturn Summary
- Highlights
- Valuation
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
10/27/2026: NYAX (1-star) is currently NOT-A-BUY. Pass it for now.
Nayax Ltd is a global payment and management software provider that specializes in the unattended retail market, such as vending machines and kiosk systems. The company differentiates itself by offering a vertically integrated platform that combines hardware terminals with cloud-based software, leading to recurring subscription revenue. Its main growth opportunity lies in expanding into adjacent markets like EV charging and deepening its global penetration. Investors should consider risks related to stiff competition from established payment giants, execution challenges with international M&A, and the company's ongoing path to profitability. Nayax may best suit growth-oriented investors interested in fintech infrastructure and should be monitored for progress in scaling its SaaS-driven business model.
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's focus on scaling its recurring revenue and expanding into new verticals aligns with long-term capital appreciation goals. |
| Momentum investor | Mixed fit | Momentum suitability is conditional on a sustained positive upturn signal and consistent earnings surprises. |
| Value investor | Weak fit | The stock currently trades primarily on growth and revenue multiples rather than traditional value metrics like P/E. |
| Dividend investor | Weak fit | The company does not pay a dividend, making it unsuitable for income-focused portfolios. |
| Low-risk investor | Weak fit | High volatility and the risks associated with scaling a tech firm make it unsuitable for risk-averse investors. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | As a growth-oriented tech stock, NYAX is subject to significant swings based on market sentiment. |
| Valuation risk | Medium / high | The stock's valuation is largely tied to future growth expectations, creating risk if growth slows. |
| Competition risk | High | Large payment processors and specialized competitors could pressure pricing and margins. |
| Business quality | Medium | While revenue is recurring, the company is still building a consistent track record of profitability. |
| Dividend income | Low / none | Investors should not expect any income through dividends at this stage of the company's lifecycle. |
| Execution risk | Medium / high | The company must successfully integrate acquisitions and manage global operations to meet growth targets. |
Price Behavior
Downtrend
The stock has experienced a sustained decline in price over recent periods.
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 10/27/2026 |
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 1.94B USD | Price to earnings Ratio 236 | 1Y Target Price 75.66 |
Price to earnings Ratio 236 | 1Y Target Price 75.66 | ||
Volume (30-day avg) 25.9K shares | Beta -0.14 | 52 Weeks Range 39.17 - 76.86 | Updated Date 10/27/2026 |
52 Weeks Range 39.17 - 76.86 | Updated Date 10/27/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.22 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Payment Processing | Fees earned from processing transactions via card readers and terminals. | Nayax collects a small slice of every transaction made through their systems. |
| SaaS and Subscriptions | Monthly fees from operators for using the management software and analytics platform. | Predictable monthly income provided by software contracts. |
| Hardware Sales | Direct sales of card readers, telemetry devices, and other payment hardware. | Upfront revenue from selling the physical machines that enable payments. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Geography
Geography revenue - Year on Year
Valuation
Trailing PE 236 | Forward PE 48.08 | Enterprise Value 1.93B | Price to Sales(TTM) 4.28 |
Enterprise Value 1.93B | Price to Sales(TTM) 4.28 | ||
Enterprise Value to Revenue 4.26 | Enterprise Value to EBITDA 34.96 | Shares Outstanding 37.38M | Shares Floating 16.82M |
Shares Outstanding 37.38M | Shares Floating 16.82M | ||
Percent Insiders 59.03 | Percent Institutions 28.33 |
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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.
All company names, trademarks, logos, and brands are the property of their respective owners and are used for identification and informational purposes only. Use of these names, trademarks, and logos does not imply endorsement by their respective owners.