Why I think under-loved PayPoint is fighting fit for the future

first_img “This Stock Could Be Like Buying Amazon in 1997” Enter Your Email Address Image source: Getty Images I would like to receive emails from you about product information and offers from The Fool and its business partners. Each of these emails will provide a link to unsubscribe from future emails. More information about how The Fool collects, stores, and handles personal data is available in its Privacy Statement. I’m sure you’ll agree that’s quite the statement from Motley Fool Co-Founder Tom Gardner.But since our US analyst team first recommended shares in this unique tech stock back in 2016, the value has soared.What’s more, we firmly believe there’s still plenty of upside in its future. In fact, even throughout the current coronavirus crisis, its performance has been beating Wall St expectations.And right now, we’re giving you a chance to discover exactly what has got our analysts all fired up about this niche industry phenomenon, in our FREE special report, A Top US Share From The Motley Fool. Tej Kohli | Wednesday, 3rd February, 2021 | More on: PAY Simply click below to discover how you can take advantage of this. Why I think under-loved PayPoint is fighting fit for the futurecenter_img Our 6 ‘Best Buys Now’ Shares Renowned stock-picker Mark Rogers and his analyst team at The Motley Fool UK have named 6 shares that they believe UK investors should consider buying NOW.So if you’re looking for more stock ideas to try and best position your portfolio today, then it might be a good day for you. Because we’re offering a full 33% off your first year of membership to our flagship share-tipping service, backed by our ‘no quibbles’ 30-day subscription fee refund guarantee. Tej Kohli does not currently own PayPoint shares. The Motley Fool UK has recommended PayPoint. Views expressed on the companies mentioned in this article are those of the writer and therefore may differ from the official recommendations we make in our subscription services such as Share Advisor, Hidden Winners and Pro. Here at The Motley Fool we believe that considering a diverse range of insights makes us better investors. Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! PayPoint (LSE:PAY) became an under-loved stock at the start of the coronavirus pandemic in early 2020, and its share price has struggled to recover since. Since 2016 it consistently traded at prices between 800p and 1,200p before falling off a cliff in early 2020 to reach an all-time low of 389p.  Today the price is sitting at around 650p awaiting the end of UK lockdowns.PayPoint is best known as the company behind the in-store payment services found in thousands of UK locations including convenience stores, supermarkets and petrol stations.  As the majority of these locations have been closed for months, the company’s short-term prospects have looked rather bleak throughout 2020.5G is here – and shares of this ‘sleeping giant’ could be a great way for you to potentially profit!According to one leading industry firm, the 5G boom could create a global industry worth US$12.3 TRILLION out of thin air…And if you click here we’ll show you something that could be key to unlocking 5G’s full potential…But I believe PayPoint is an exciting company that was in a very good position before Covid-19, and its long-term prospects remain excellent.  PayPoint is also amongst a unique cohort of companies that has had the same CEO in place for over two decades – which is always a good sign of underlying stability.If we remove coronavirus from the analysis, ‘underlying stability’ is what defines PayPoint.  With an astonishing operating margin of 47.2%, in 2020 the company delivered £56.8m of profit before tax from a revenue of £213.3m, with net debt of just £12m.  Yet this was not exceptional – similar results were consistently delivered in 2018 and 2019, too.A common misconception is that PayPoint is merely a provider and operator of ATMs.  This would represent a risk in a post-coronavirus cashless society.  But its network of 3,620 ATMs is just one of multiple highly diversified revenue streams.  PayPoint also delivers an omnichannel digital payments offering, which includes providing contactless and chip and pin to 9,435 retailers.  The company also operates a highly regarded parcel ‘pick up and drop off’ network across more than 8,000 sites, which processed 24.5m parcels in 2020.PayPoint’s position working with over 46,000 retailers across the UK (and Romania) is therefore highly entrenched.  Its network has more branches than all UK banks, supermarkets and Post Offices put together.  98.3% of the urban population live within one mile of a PayPoint retail partner.  And the company is empowering its partners to engage with a portfolio of its services far beyond payments.  This entrenched position creates a near-impenetrable barrier against any real threat of competition from the emerging cohort of tech-led companies that are focused exclusively on point-of-sale payment processing.Of course, PayPoint’s short-term prospects are inevitably highly correlated with the progress of the UK Government in combating Coronavirus and ending lockdowns.  But the company is in excellent shape and management should be commended for having paid down debt and focused on the underlying fundamentals of the business.  Given the ongoing success of the vaccine roll out in the UK, and the prospect of reaching the end of a series of lockdowns, I don’t believe there is any reason that PayPoint shares cannot breach their pre-coronavirus level of 1,000p in 2021.PayPoint shares might not arouse much excitement amongst those most used to encountering its branded ATMs inside their local store or newsagent.  But with a price-to-earnings ratio of just over x10 and the changing coronavirus outlook in the UK, I’m considering buying it now, and expect a 65% appreciation in 2021 followed by a consistent future dividend yield of at least 5%. See all posts by Tej Kohlilast_img read more

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Students start campaign asking University administrators to uphold previous Title IX standards

first_imgTwo Notre Dame students are starting a campaign asking University President Fr. John Jenkins to uphold previous Title IX standards in spite of recent policy changes made by Secretary of Education, Betsy DeVos.Sophomore Elizabeth Boyle, one of the creators of the “StaND 4 IX” campaign, said the campaign is largely in response to DeVos’s September decision to rescind the 2011 Dear Colleague Letter (DCL) and 2014 Q&A Guidance for Sexual Assault. According to the StaND 4 IX website, the DCL “provided an interpretation of Title IX, presenting clear guidance to colleges and universities about their obligations in sexual misconduct cases,” and “clearly stated survivors’ rights.”DeVos’s decision to rescind these directives came shortly after the University’s administration made changes to Notre Dame’s Title IX policy, something Boyle said makes her “very nervous” about how the University will handle sexual assault cases in the future.“Secretary DeVos is giving schools the option to choose things such as their evidence standard [and] to follow the 60-day timeline or not, so we have this unique opportunity as this wonderful institution to take that moral high ground,” Boyle said. “ … I think that ability to choose our next steps was what inspired us to take this on and to ensure that we are this incredible university steeped in Catholic moral values, as we put out there.”Sophomore Isabel Rooper, the other creator of the StaND 4 IX campaign, said the University has made great strides in handling Title IX cases over the past several years, and the campaign asks the University to continue making progress.“Part of what we care about is making sure that the University continues moving forward,” she said. “And so that’s what we’re striving to get a commitment for with this letter, is to make sure that the University continues moving forward and making good on that promise to support and protect survivors of sexual violence, and have a fair and reasonable process.”Boyle said one of her biggest concerns about the rescinding of the DCL is the removal of the Preponderance of Evidence standard — which requires complainants to prove an incident of sexual assault is “more likely than not” to have occurred — and the removal of a 60-day timeline for investigating and concluding Title IX cases.The 60-day timeline is the typical timeframe identified in the DCL for how long a Title IX case should take to resolve. While the timeline was not strongly enforced before DeVos rescinded the DCL, Boyle said the only thing that could hold the University to that standard is community members speaking up on behalf of survivors.“Now I think the biggest push is going to come from student activists,” she said. “[It will come] from saying, ‘Hey, if you’re having a case that’s over 100 days long, you’re re-traumatizing the victims of assault, you’re putting them through this process again.’ So the difference is going to be in saying … that Notre Dame has this choice, and we pride ourselves on making the right choice, the choice that has the higher morality and protects people.”Notre Dame has conducted investigations that have lasted longer than the 60-day timeline while the DCL was in place, such as a case that resulted in an ongoing lawsuit from a former student. Rooper said the campaign asks the University to recommit to the 60-day standard in order to minimize the trauma for all parties in a Title IX investigation.“We understand that there are sometimes extenuating circumstances that make it difficult for a university to complete an investigation within 60 days,” she said. “ … But the goal of having the University commit to that timeline … is to be able to hold the University accountable and say Title IX investigations are really difficult [for] the complainant and the respondent alike, and containing that investigation as much as we can will be beneficial for all parties involved in Title IX cases.”The campaign, which will send an open letter to Fr. Jenkins on Nov. 17, also asks the University not to resort to mediation in cases of sexual misconduct and calls for the creation of waivers for the six-semester housing requirement so that “survivors of sexual misconduct and other forms of discrimination” can move off-campus.“Ideally, what we would like to see is a waiver system that doesn’t require the victim survivor to share their story in order to be able to move off campus,” Rooper said. “ … We think that that’s a form of re-traumatization for victims and asking too much of persons who have already been ostracized or felt excluded from our community in some way.”This request extends beyond Title IX to issues of discrimination against groups such as racial minorities and the LGBT community, Boyle said.Rooper stressed that everyone can contribute to this campaign, and said sexual misconduct “isn’t a partisan issue.”“This is something that we should all be on the same page about and that we should all decide that we need our university to commit to a fair process which will support survivors,” she said. “ … People can have differing opinions on what we’re working on, but we think it’s really important that people consider what’s happening nationally, because this is a really big and significant time for Title IX changes right now and people need to pay attention.”Tags: Betsy DeVos, Fr. John Jenkins, sexual assault, StaND 4 IX, Title IXlast_img read more

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Narine thanks Windies for magnificent team performance

first_imgDESPITE a game-changing 2-15 from Sunil Narine, the spinner is still maintaining that the Windies’ 21-run victory over England in Durham was a team effort.“We enjoyed it, it was a total team effort in tough conditions,” said Narine.The Windies, sent into bat on a cold night in Durham, got off to a fantastic start through openers, Chris Gayle (40) and Evin Lewis (51), however, the side crumbled on the pressure of Liam Plunkett, 3-27, and Adil Rashid, 3-25, to end on 176-9.The total, though competitive, was clearly 20-30 runs short of where the Windies could have been had they built on the platform set by Gayle and Lewis.In response, the beaten finalists at the last T20 World Cup, captulated to the team that made them bridesmaids in that famous final, largely due to Narine’s suffocating spell.The Windies had trouble with a wet ball and cold conditions to bowl under, but produced masterful slow bowling after Alex Hales had taken to pace on the ball early to score 43 from 39 deliveries, inclusive of eight fours and a six over square leg.“Any cricket that you win, no matter the conditions, I think you enjoy it,” Narine said of the conditions, he admitted were close to the coldest he had ever played in.“We are from warm islands, so coming here in the cold and when it was drizzling and the ball was wet, I think was a magnificent effort by the West Indies,” he said.Narine praised the team for its professionalism under the circumstances, saying that is what international cricketers do.“It is difficult but at the end of the day you are an international cricketer, you have to cope with it,” Narine said.As for the future of Windies cricket, Narine said the excitement of the way the region plays the game, will come through in the end.You mightn’t cope with it every single game but if the day is gonna go well for you, you have to give almighty credit for just being able to go out there and perform.“I think West Indians play exciting cricket so no matter what format it is, we’re going to play exciting cricket. It hasn’t been coming off, but lately it’s been doing good so hopefully we can continue it.”last_img read more

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Join us for a great day out at the Bridgestone Challenge

first_img The best of these teams will go forward to the pro-am of the British Master, supported by Sky Sports, at Close House, Northumberland on September 27. There, they could partner Lee Westwood, Sergio Garcia or another household name of the European Tour. We can promise much excitement. The Bridgestone Challenge will be the first PGA European Challenge Tour to use a modified stableford scoring system which will hopefully encourage the players to take more risks with the emphasis on making birdies and eagles. Click here for more information. Internationals Dan Brown (Masham, Yorkshire), Jake Burnage (Saunton, Devon), Josh Hilleard (Farrington Park, Somerset) and Gian Marco Petrozzi (Trentham, Staffordshire) all have invitations to play. For more information about Bridgestone and its Chase Your Dream concept, visit www.nomatterwhat.uk.com Female: Rebecca Webb (East Berkshire Golf Club), Gill Kapka (Cleethorpes Golf Club, Lincolnshire), Francesca Leach (Woburn Golf Club, Buckinghamshire), Ashlee Tyrell (The Rayleigh Club, Essex), Kathryn Naylor (Windlesham Golf Club, Surrey), Debbie Ricketts (Parkstone Golf Club, Dorset), Debbie Deakin (Mickleover Golf Club, Derbyshire), Mandy Holden (West End Golf Club, Yorkshire), Hannah Golding (Brocton Hall Golf Club, Staffordshire). There are themes for all four days, with schools in focus on Thursday, it’s ladies day on Friday, there’s fun for all the family on Saturday and it’s Championship Day on Sunday. But everyone is welcome on every day.  Join us for a great day out at the 2017 Bridgestone Challenge, the English leg of the Challenge Tour, which is being played from Thursday to Sunday, 7-10 September, at Luton Hoo in Bedfordshire.  There’s free entry and, what’s more, every spectator can register to receive vouchers to the value of £200, including a free round of golf at Luton Hoo Golf Club. Either click here to register in advance or register at the event.  Male: John Newell (Hazlemere Golf Club, Buckinghamshire), Jacob Scargill (Hanging Heaton Golf Club, Yorkshire), Neil Jonas (Tilgate Forest Golf Club, Sussex), Kevin Madden (Walmley Golf Club, Warwickshire), Michael Durkin (Hurlston Hall Golf Club, Lancashire), Giles Puckle (Clandon Regis Golf Club, Surrey), Sam Storey (Windlesham Golf Club, Surrey), Barrie Harding (West Byfleet Golf Club, Surrey), Neil Garbutt (Masham Golf Club, Yorkshire). The qualifiers from the national finals at Woodhall Spa are:center_img This is the perfect opportunity to talent spot and watch golf’s rising professional stars – and also follow the progress of four leading England Golf amateurs.  28 Aug 2017 Join us for a great day out at the Bridgestone Challenge For more information about Bridgestone and its Chase Your Dream concept, visit www.nomatterwhat.uk.com The qualifiers from the national finals at Woodhall Spa are: Male: John Newell (Hazlemere Golf Club, Buckinghamshire), Jacob Scargill (Hanging Heaton Golf Club, Yorkshire), Neil Jonas (Tilgate Forest Golf Club, Sussex), Kevin Madden (Walmley Golf Club, Warwickshire), Michael Durkin (Hurlston Hall Golf Club, Lancashire), Giles Puckle (Clandon Regis Golf Club, Surrey), Sam Storey (Windlesham Golf Club, Surrey), Barrie Harding (West Byfleet Golf Club, Surrey), Neil Garbutt (Masham Golf Club, Yorkshire). Female: Rebecca Webb (East Berkshire Golf Club), Gill Kapka (Cleethorpes Golf Club, Lincolnshire), Francesca Leach (Woburn Golf Club, Buckinghamshire), Ashlee Tyrell (The Rayleigh Club, Essex), Kathryn Naylor (Windlesham Golf Club, Surrey), Debbie Ricketts (Parkstone Golf Club, Dorset), Debbie Deakin (Mickleover Golf Club, Derbyshire), Mandy Holden (West End Golf Club, Yorkshire), Hannah Golding (Brocton Hall Golf Club, Staffordshire). The excitement actually starts with the pro-am on Wednesday 6 September, which will feature 18 England Golf club players who are all chasing their golf dreams – and hoping to play with a star of the European Tour. They’ve come through club, regional and national rounds of the Bridgestone Chase Your Dream Trophy to qualify for their place in one of six pro-am teams.  Tags: Bridgestone Challenge, Challenge Tour, Luton Hoolast_img read more

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Exceptional Lacey Teen Named Boys & Girls Clubs Of Thurston County…

first_imgFacebook9Tweet0Pin0Olympia, WA – January 31, 2012 – Ny’Shara Cox is a true example of an extraordinary teenager. At age 17, she has just been selected to compete against other Boys & Girls Club members from all over the state for the Washington Youth of the Year title, a $1,000 scholarship, and the chance to move on to the regional Youth of the Year competition. As the Youth of the Year for the Boys & Girls Clubs of Thurston County (BGCTC), Cox is among thousands of local youth across the country recognized by Boys & Girls Clubs of America (BGCA) for strong character, leadership skills and willingness to give back to the community.Being named Youth of the Year is the highest honor a Boys & Girls Club member can receive. The program—founded over 60 years ago— celebrates youth who have overcome enormous odds and demonstrated exceptional character and accomplishments. These deserving young people are recognized for service to their Club and community, academic performance and contributions to their family.Cox, a junior at Timberline High School, will represent the Boys & Girls Clubs of Thurston County at the Washington Youth of the Year competition at Seattle University on March 21. The winner will be announced by Governor Gregoire the next morning at a special reception held at the Governor’s mansion. Ny’Shara was chosen from a group of deserving peers from the three other area Clubs after a thorough selection process. The competition included giving a speech and being interviewed by the panel of judges—a mix of BGCTC supporters, board members and administrative staff. This is the second year in a row that a member of the Lacey Club has won.Cox has been a member at the Boys & Girls Club since 2006, and is now a part time staff member working in the art room. She loves working with the younger kids and, as the oldest of six siblings, is a natural born leader. Her experience at the Club started during a very difficult time in her life. “My mom was diagnosed with cancer when I was 8 years old,” Cox said. “Soon after she died I started coming to the Club. The Club helped me get through the loss of my mom by giving me so many chances to make her proud of me.”Ny’Shara has some big dreams for her future that blend her academic strengths with her favorite hobbies. She already has a college scholarship secured through the College Bound Scholarship program and plans to study business, fashion, and social work. Dance is also an important part of her life and she hopes to incorporate this into her professional career somehow as well.“Ny’Shara has been a true leader in our teen programs, helping to plan activities for teens that kept them interested and hungry for me,” says Shellica Trevino, Lacey Branch Director. “We are so proud of her many accomplishments at the Club, school, and her church.If Cox wins the state title, she will compete for Pacific Region Youth of the Year and an additional $10,000 scholarship. The five regional winners will travel to Washington, D.C. to compete for BGCA’s National Youth of the Year. The National Youth of the Year receives up to an additional $50,000 college scholarship and is installed by the President of the United States in an Oval Office ceremony. Ny’Shara is looking to follow in the footstep of Thurston County’s own 1984 BGCA National Youth of the Year recipient, Dr. Tony Agtarap. Dr. Agtarap is an orthopedic surgeon with Olympia Orthopaedic Associates and a founding board member of BGCTC.About Boys & Girls Clubs of Thurston CountyThe Boys & Girls Clubs of Thurston County is a youth development agency serving school-age youth 5-18 years old. Founded in 2001, four Club locations now serve more than 2,300 local youth with the mission of inspiring and enabling young people, especially those in greatest need, to realize their full potential as productive, responsible citizens. BGCTC offers programming in five key areas: Character & Leadership Development; Education & Career Development; Health & Life Skills; The Arts; and Sports, Fitness and Recreation. For more information about BGCTC, please visit www.bgctc.org.About Boys & Girls Clubs of AmericaFor more than 100 years, Boys & Girls Clubs of America (www.bgca.org) has offered a safe place for kids to learn and grow. Today, some 4,000 Boys & Girls Clubs serve more than 4.2 million young people through Club membership and community outreach. Clubs can be found throughout the country and on U.S. military installations worldwide, providing young people with guidance-oriented character development programs conducted by trained, professional staff. Key programs emphasize leadership development; education and career exploration; community service; technology training; financial literacy; health and life skills; the arts; sports, fitness and recreation; and family outreach. In a Harris Survey of alumni, 57 percent said the Club saved their lives. The national headquarters is located in Atlanta.last_img read more

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Model who accused Neymar of rape in hot soup for fraud!

first_imgAdvertisement 3dl88NBA Finals | Brooklyn Vsa150s7Wingsuit rodeo📽Sindre Ea4ef9z( IG: @_aubreyfisher @imraino ) 88a8cWould you ever consider trying this?😱b25yCan your students do this? 🌚a89bu0Roller skating! Powered by Firework Neymar Jr. has been in two big pool of trouble this summer – one was when Paris SG fans denouncing him pertaining to the transfer stories of the Brazilian back to Barcelona and the other is his alledged rape scandal.Advertisement Najila Trindade, a model from Brazil claims to have been forced upon by Neymar in Paris in May. However, any charges relating to the same were dropped upon investigation. The tables have turned it seems and now Trindade finds herself in trouble for a false rape accusation.Advertisement Judge Andrea Coppola is quoted as saying: “It has not been definitively decided that the crime against sexual dignity did not exist.“And it is possible at any time to reopen the investigations, if a new fact arises – I consider it impossible to receive this complaint against Najila.”Advertisement Attorney Cosme Araujo said Sunday he will appeal the decision to charge Najila Trindade and her ex-husband with procedural fraud. The judge found evidence the model and ex-husband Estivens Alves tried to tamper with the investigation. Advertisementlast_img read more

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Watch: The spectacular catch Rashid Khan takes in BBL will blow your mind!

first_imgAdvertisement 880j4NBA Finals | Brooklyn VsfboWingsuit rodeo📽Sindre E91x( IG: @_aubreyfisher @imraino ) 1wtbjrWould you ever consider trying this?😱2eCan your students do this? 🌚47518Roller skating! Powered by Firework Afghanistan all-rounder Rashid Khan is proving himself as a precocious talent for whichever team he represents. Not just he is brilliant with the ball, his brutal batting down-the-order has also established him as a star in the shortest format of the game. But these days, he seems to be everywhere in the pitch with his sheer athleticism and fantastic field-work; as recently, Khan grabbed the world’s attention with some unbelievable cricket moments in this year’s Big Bash League (BBL).Advertisement On Friday, Rashid Khan was once again the MVP for his side Adelaide Strikers. In their home-game against Brisbane Heat match at the Adelaide Oval, Khan picked up a wicket in his four overs quota while conceding 15 mere runs. But the 21-year-old made a far more sensational contribution of the day, when he dismissed the dangerous Chris Lynn for 26 with a jaw-dropping piece of fielding.Advertisement Lynn was looking to slog Liam O’Connor down the mid-wicket but ended up with a leading edge and Rashid who was inside the circle on the off-side, sprinted off with the ball in his sight, dived full-stretch, and pulled off a stunner.As usual it went viral in no time with Cricket Australia’s official Twitter handle uploaded a video of the catch, and Rashid’s IPL team SunRisers Hyderabad quickly reposted it with the caption: “Rashid Khan can do anything! We repeat, Rashid Khan can do anything!!”Advertisement The Afghanistan leg-spinner has been nothing but brilliant so-far in this edition of the Big Bash League. He is the third-highest wicket-taker of the season with 15 scalps in games while Daniel Sams tops the chart with 17.The Strikers bowled out the Heat for a just 100 runs in 17 overs with Liam O’Connor picking up 3 wickets for 30 runs in his four overs. Chris Lynn (26) and Matt Renshaw (43) were the only two Brisbane players to get into double figures while the hosts easily chased down the target with 10 wickets in-hand.You may also like:Watch: KKR’s new Knight in shining armour Tom Banton smashes 5 consecutive sixes in BBL!Legendary Aussie team of the 90s reuniting for one game to raise funds to combat Aussie bushfire Advertisementlast_img read more

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