NYAX
TechnologyNayax Ltd. · Information Technology Services · $2B
What is Nayax Ltd.?
Nayax Ltd. is a global fintech company specializing in cashless payment systems and management platforms for unattended and attended retail environments. Headquartered in Herzliya, Israel, Nayax serves operators across vending, amusement, laundry, and electric vehicle charging verticals worldwide.
Nayax generates revenue by selling hardware payment terminals, telemetry devices, and software-as-a-service management tools to unattended machine operators. Its platform connects payment processing, remote monitoring, loyalty programs, and consumer engagement under one ecosystem. The company also offers a consumer-facing digital wallet app, enabling mobile-based cashless transactions at supported machines. Products reach customers through direct sales as well as a network of resellers and distributors.
Nayax was founded in 2022 and is headquartered in Herzliya, Israel.
- Cashless payment terminals for unattended and attended POS environments
- Telemetry and remote machine management services
- Monyx Wallet digital payment app for consumers
- EV charging station payment infrastructure
Is NYAX a Good Stock to Buy?
UQS Score rates NYAX as Below Average overall.
Nayax's strongest dimensions are Growth and Risk, suggesting the business is expanding its footprint at a meaningful pace while maintaining a manageable risk profile relative to its stage. These two pillars provide a constructive foundation for investors focused on emerging fintech operators.
The Quality pillar registers as Weak, reflecting underlying profitability and return metrics that trail more established peers, which tempers the positive growth narrative.
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Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does NYAX pay dividends?
No — Nayax Ltd. does not currently pay a dividend.
Nayax does not currently pay a dividend. As a growth-oriented fintech company, capital is directed toward expanding its payment platform, entering new verticals, and scaling its global distribution network. Investors in NYAX are generally seeking capital appreciation rather than income, consistent with the company's reinvestment-first posture.
When does NYAX report earnings?
Nayax reports earnings on a quarterly cadence, typical for publicly listed equities.
Revenue trends have reflected the company's ongoing platform expansion across multiple verticals and geographies. Profitability remains a work in progress, consistent with the Weak Quality pillar rating, though the Growth pillar signals meaningful top-line momentum.
For the most recent quarter's results and guidance, visit Nayax's official investor relations page.
NYAX Price History
+170.8% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Nayax Ltd.?
Based on Nayax Ltd.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
NYAX Long-term Outlook
Nayax's Good Growth and Good Risk pillar ratings suggest the business is on a credible expansion trajectory without outsized near-term financial distress signals. However, the Weak Quality pillar indicates that converting growth into durable profitability remains the central challenge. The Neutral Valuation pillar suggests the market is pricing in some growth expectations without extreme optimism or pessimism.
Growth drivers
- Expansion into new unattended retail verticals such as EV charging and amusement
- Geographic diversification through reseller and distributor partnerships
- Cross-selling software and telemetry services to existing hardware customers
Key risks
- Sustained losses could pressure the balance sheet if growth slows
- Competitive intensity from larger, better-capitalized payment technology providers
- Execution risk in scaling across diverse international markets
NYAX vs Peers
Nayax operates in a broad fintech and technology services landscape alongside companies with differing business models and scale.
Verra Mobility focuses on smart transportation payment solutions, including tolling and fleet services, giving it a narrower but more entrenched vertical focus than Nayax's multi-sector unattended payment platform.
DXC is a large-scale IT services provider serving enterprise clients globally, operating at a significantly larger scale and with a services-led model distinct from Nayax's hardware-plus-platform approach.
VNET Group operates data center and cloud infrastructure services in China, representing a different technology infrastructure niche compared to Nayax's point-of-sale and payment ecosystem.
Frequently Asked Questions
What does Nayax do?
Nayax provides cashless payment terminals, telemetry management tools, and software platforms primarily for unattended retail operators — such as vending machines, amusement rides, laundromats, and EV charging stations. It also offers a consumer digital wallet app and loyalty engagement tools, connecting operators and consumers through one integrated ecosystem.
Does NYAX pay dividends?
No, Nayax does not currently pay a dividend. The company reinvests available capital into platform development, geographic expansion, and new vertical entry. Investors in NYAX are typically focused on growth potential rather than income distribution.
When does NYAX report earnings?
Nayax reports financial results on a quarterly cadence, consistent with standard practice for publicly listed companies. For exact dates and the most recent results, check Nayax's investor relations page directly.
Is NYAX a good stock to buy?
UQS Score rates NYAX as Below Average overall. Growth and Risk pillars are rated Good, but the Weak Quality pillar reflects profitability challenges that weigh on the composite rating. Whether it fits your portfolio depends on your risk tolerance and investment horizon. View the full pillar breakdown on UQS Pro.
Is NYAX overvalued?
The UQS Valuation pillar for NYAX is rated Neutral, suggesting the market is pricing the stock in a balanced range — neither deeply discounted nor significantly stretched relative to the company's fundamentals. Full valuation metrics are available to UQS Pro members.
How does NYAX compare to its competitors?
Nayax occupies a distinct niche in unattended retail payments, differentiating itself from broader IT services firms like DXC Technology and infrastructure providers like VNET Group. Verra Mobility shares some payments-adjacent DNA but focuses on transportation. Nayax's multi-vertical platform strategy sets it apart in scope.
What is NYAX's market cap bracket?
Nayax is classified as a mid-cap company. This places it in a segment that typically offers more growth potential than large-caps but with greater volatility and less financial cushion than more established peers.
Who founded Nayax?
Founding details for Nayax are widely available through the company's official communications and public filings. The company was established in 2022 as a publicly listed entity and is headquartered in Herzliya, Israel.
Is NYAX a long-term quality investment?
As a long-term quality indicator, UQS rates NYAX as Below Average, driven primarily by a Weak Quality pillar. The Good Growth and Good Risk ratings offer some optimism about trajectory, but sustained improvement in profitability metrics would be needed to support a higher long-term quality rating.
What is the main competitive advantage of Nayax?
Nayax's competitive positioning — reflected in a Neutral Moat pillar — stems from its integrated hardware, software, and payments ecosystem tailored for unattended retail. Switching costs for operators who embed Nayax's telemetry and management tools provide some stickiness, though the moat is not yet considered wide by UQS criteria.
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Pro Analysis
NYAX — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 20, 2026 | 45.6 | 26.4 | 45.0 | 69.1 | 60.0 | 33.0 | -1.9 |
| May 14, 2026 | 47.5 | 29.9 | 45.0 | 70.9 | 61.4 | 36.1 | -0.4 |
| May 7, 2026 | 47.9 | 30.2 | 45.0 | 72.3 | 61.4 | 36.2 | -0.2 |
| May 3, 2026 | 48.1 | 30.2 | 45.0 | 72.3 | 61.4 | 37.5 | -0.4 |
| Apr 26, 2026 | 48.5 | 30.2 | 45.0 | 72.3 | 61.4 | 40.2 | -0.2 |
| Apr 19, 2026 | 48.7 | 30.2 | 45.0 | 72.3 | 61.4 | 41.3 | -0.5 |
| Apr 18, 2026 | 49.2 | 30.2 | 45.0 | 72.3 | 61.4 | 44.7 | -1.1 |
| Apr 14, 2026 | 50.3 | 30.2 | 45.0 | 72.3 | 61.4 | 52.5 | +0.1 |
| Apr 12, 2026 | 50.2 | 30.2 | 45.0 | 72.3 | 61.4 | 51.7 | -0.3 |
| Apr 11, 2026 | 50.5 | 30.2 | 45.0 | 72.3 | 61.4 | 53.6 | 0.0 |
NYAX — Pillar Breakdown
Quality
— 26.4/100 (25%)Nayax Ltd. currently shows below-average quality metrics, suggesting challenges with profitability.
How effectively capital is deployed to generate returns.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Asset productivity — how much gross profit each dollar of assets generates.
Free cash flow relative to market value.
Growth
— 69.1/100 (20%)Nayax Ltd. demonstrates healthy growth trends across revenue and earnings.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 60.0/100 (15%)Nayax Ltd. maintains a reasonable risk profile with manageable debt levels.
Debt levels relative to earnings capacity.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 32.0/100 (15%)Nayax Ltd. appears expensively valued relative to its fundamentals and growth prospects.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 45/100 (25%)Nayax Ltd. possesses some competitive advantages but faces meaningful competition. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for NYAX.
Score Composition
Financial Data
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How is the NYAX UQS Score Calculated?
The UQS (Unified Quality Score) for Nayax Ltd. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Nayax Ltd.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Nayax Ltd. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.