Waystar Holding Corp.

WAYdata completeness 100%4 fiscal years on file

Data notes: no data for concept 'interestExpense'

The thesis, from the filings

Waystar Holding Corp. earns about -1% on invested capital, below its ~9% cost of capital, but has diluted owners by 52% over 4 years — no moat visible in the numbers. The estimate methods put fair value between $9.49 and $30.34 a share.Whether it’s worth owning at today’s price is the last question — and yours to answer, below.

i. The business — what you’d actually own
FigureFY 2022FY 2023FY 2024FY 2025
Revenue$704.9M1$791M2$943.5M2$1.1B2
Net income−$51.5M3−$51.3M4−$19.1M4$112.1M4
Operating cash flow$102.6M5$51.5M6$169.8M6$309.7M6
Capital expenditure$17.4M7$21.5M8$27.3M8$26.5M8
Free cash flow (derived)$85.2M5$29.9M6$142.5M6$283.2M6
Total debt$2.22B9$2.48B10$2.95B10
Cash & equivalents$64.6M11$35.6M12$182.1M12$61.4M12
Diluted shares121.7M121.7M149.9M184.8M

Superscripts are receipts. Each links to the SEC filing the number came from (full list at the bottom).

ii. Your slice — ownership made literal
If you owned
shares
Net assets behind them
$209.91
your share of equity
Profit it earned you last year
$6.07
Free cash flow it threw off
$15.33
Debt you’d be carrying
$159.87

10 shares is a claim on $209.91 of net worth that earned you $6.07 and generated $15.33 of cash last year, against $159.87 of debt.

iii. Is this a good business?
Moat signal · return on invested capital
-1% avg · 4y
FY22 -3%FY23 -1%FY24 -0%FY25 2%

It earned about -1% on invested capital against a ~9% cost of capital — below the cost of funding. The numbers show no moat.

seeing a moat in the numbers →
Management signal · capital allocation
+52% shares · 4y

Share count is up 52% over 4 years — owners have been diluted. Worth asking what they got for it. Total debt has risen 33% over the same window.

reading capital allocation →

Signals, not verdicts — read from the filings above. Numbers don’t prove a moat; they show its footprint. You decide.

iv. What it’s worth — engine v0.1.0

The 2 estimate methods that apply put fair value between $9.49 and $30.34 a share. They rest on different assumptions, so where they diverge is the story; the Graham Number is a stricter floor, not a target.

DCF · Growth Exit 10Y
$30.34
assumptions (10)
  • riskFreeRate4.7%
  • equityRiskPremium5.0%
  • beta100.0%
  • equityWeight85.0%
  • costOfDebtSpread1.5%
  • taxRate21.0%
  • terminalGrowth2.5%
  • projectionYears10
  • fcfGrowth20.0%
  • fcfBase$142.5M
DCF · Growth Exit 5Y
$9.49
assumptions (10)
  • riskFreeRate4.7%
  • equityRiskPremium5.0%
  • beta100.0%
  • equityWeight85.0%
  • costOfDebtSpread1.5%
  • taxRate21.0%
  • terminalGrowth2.5%
  • projectionYears5
  • fcfGrowth20.0%
  • fcfBase$142.5M
Earnings Power Value
not applicable
normalized (5y-median) earnings non-positive — EPV undefined
Graham Number
$16.97
assumptions (1)
  • grahamMultiplier2250.0%

Different models answer different questions — which to trust when →

v. The price question — last, on purpose
Is today’s price fair?
See live price ↗
Type a price. The ledger answers.
Or set your own belief
FCF growth, next 5 years20.0%
Discount rate (WACC)8.93%
Terminal growth2.5%
At your growth, a share is worth $9.49
The three cases
Bear0.0%−$4.64
Base20.0%$9.49
Bull20.0%$9.49

Bear/base/bull growth = 0% / filed history / history + 5pp. Type a price to see the return each case implies.

Default growth 20.0%= this company’s own filed history (median-to-median FCF CAGR, clamped 0–20%). Your adjustments are recorded anonymously. They become the “what do owners actually believe” dataset.

Sources — the receipts
  1. 10-K · period ending 2022-12-31 · accession 0001410578-25-000148 (RevenueFromContractWithCustomerExcludingAssessedTax)
  2. 10-K · period ending 2023-12-31 · accession 0001990354-26-000011 (RevenueFromContractWithCustomerExcludingAssessedTax)
  3. 10-K · period ending 2022-12-31 · accession 0001410578-25-000148 (NetIncomeLoss)
  4. 10-K · period ending 2023-12-31 · accession 0001990354-26-000011 (NetIncomeLoss)
  5. 10-K · period ending 2022-12-31 · accession 0001410578-25-000148 (NetCashProvidedByUsedInOperatingActivities)
  6. 10-K · period ending 2023-12-31 · accession 0001990354-26-000011 (NetCashProvidedByUsedInOperatingActivities)
  7. 10-K · period ending 2022-12-31 · accession 0001410578-25-000148 (PaymentsToAcquireProductiveAssets)
  8. 10-K · period ending 2023-12-31 · accession 0001990354-26-000011 (PaymentsToAcquireProductiveAssets)
  9. 10-K · period ending 2023-12-31 · accession 0001410578-25-000148 (LongTermDebtNoncurrent)
  10. 10-K · period ending 2024-12-31 · accession 0001990354-26-000011 (LongTermDebtNoncurrent)
  11. 10-K · period ending 2022-12-31 · accession 0001410578-25-000148 (CashAndCashEquivalentsAtCarryingValue)
  12. 10-K · period ending 2023-12-31 · accession 0001990354-26-000011 (CashAndCashEquivalentsAtCarryingValue)