PAYSIGN INC (PAYS) Stock Fundamental Analysis

NASDAQ:PAYS • US70451A1043

3.29 USD
+0.08 (+2.49%)
At close: Feb 24, 2026
3.29 USD
0 (0%)
After Hours: 2/24/2026, 4:30:02 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to PAYS. PAYS was compared to 98 industry peers in the Financial Services industry. Both the profitability and the financial health of PAYS get a neutral evaluation. Nothing too spectacular is happening here. PAYS is not overvalued while it is showing excellent growth. This is an interesting combination. This makes PAYS very considerable for growth investing!


Dividend Valuation Growth Profitability Health

5

1. Profitability

1.1 Basic Checks

  • In the past year PAYS was profitable.
  • PAYS had a positive operating cash flow in the past year.
  • The reported net income has been mixed in the past 5 years: PAYS reported negative net income in multiple years.
  • Each year in the past 5 years PAYS had a positive operating cash flow.
PAYS Yearly Net Income VS EBIT VS OCF VS FCFPAYS Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10M 20M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 3.61%, PAYS is in the better half of the industry, outperforming 69.39% of the companies in the same industry.
  • The Return On Equity of PAYS (16.53%) is better than 82.65% of its industry peers.
  • The Return On Invested Capital of PAYS (8.22%) is better than 77.55% of its industry peers.
Industry RankSector Rank
ROA 3.61%
ROE 16.53%
ROIC 8.22%
ROA(3y)2.5%
ROA(5y)-1.85%
ROE(3y)15.08%
ROE(5y)-8.99%
ROIC(3y)N/A
ROIC(5y)N/A
PAYS Yearly ROA, ROE, ROICPAYS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 40 -40 -60

1.3 Margins

  • PAYS has a Profit Margin (10.10%) which is comparable to the rest of the industry.
  • In the last couple of years the Profit Margin of PAYS has declined.
  • With a Operating Margin value of 7.98%, PAYS perfoms like the industry average, outperforming 42.86% of the companies in the same industry.
  • In the last couple of years the Operating Margin of PAYS has declined.
  • PAYS has a Gross Margin of 59.82%. This is in the better half of the industry: PAYS outperforms 74.49% of its industry peers.
  • PAYS's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 7.98%
PM (TTM) 10.1%
GM 59.82%
OM growth 3YN/A
OM growth 5Y-36.97%
PM growth 3YN/A
PM growth 5Y-21.18%
GM growth 3Y3.37%
GM growth 5Y-0.13%
PAYS Yearly Profit, Operating, Gross MarginsPAYS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 40

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so PAYS is destroying value.
  • The number of shares outstanding for PAYS has been increased compared to 1 year ago.
  • PAYS has more shares outstanding than it did 5 years ago.
  • PAYS has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
PAYS Yearly Shares OutstandingPAYS Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M
PAYS Yearly Total Debt VS Total AssetsPAYS Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

2.2 Solvency

  • PAYS has an Altman-Z score of 1.30. This is a bad value and indicates that PAYS is not financially healthy and even has some risk of bankruptcy.
  • With a decent Altman-Z score value of 1.30, PAYS is doing good in the industry, outperforming 66.33% of the companies in the same industry.
  • There is no outstanding debt for PAYS. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0.18
Altman-Z 1.3
ROIC/WACC0.95
WACC8.67%
PAYS Yearly LT Debt VS Equity VS FCFPAYS Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M

2.3 Liquidity

  • A Current Ratio of 1.13 indicates that PAYS should not have too much problems paying its short term obligations.
  • With a Current ratio value of 1.13, PAYS perfoms like the industry average, outperforming 55.10% of the companies in the same industry.
  • PAYS has a Quick Ratio of 1.13. This is a normal value and indicates that PAYS is financially healthy and should not expect problems in meeting its short term obligations.
  • PAYS has a Quick ratio of 1.13. This is comparable to the rest of the industry: PAYS outperforms 58.16% of its industry peers.
Industry RankSector Rank
Current Ratio 1.13
Quick Ratio 1.13
PAYS Yearly Current Assets VS Current LiabilitesPAYS Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

8

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 62.50% over the past year.
  • The earnings per share for PAYS have been decreasing by -18.10% on average. This is quite bad
  • The Revenue has grown by 32.61% in the past year. This is a very strong growth!
  • PAYS shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.99% yearly.
EPS 1Y (TTM)62.5%
EPS 3YN/A
EPS 5Y-18.1%
EPS Q2Q%33.33%
Revenue 1Y (TTM)32.61%
Revenue growth 3Y25.61%
Revenue growth 5Y10.99%
Sales Q2Q%41.56%

3.2 Future

  • PAYS is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 35.31% yearly.
  • The Revenue is expected to grow by 24.31% on average over the next years. This is a very strong growth
EPS Next Y85.79%
EPS Next 2Y61.95%
EPS Next 3Y35.31%
EPS Next 5YN/A
Revenue Next Year38.87%
Revenue Next 2Y29.42%
Revenue Next 3Y24.31%
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
PAYS Yearly Revenue VS EstimatesPAYS Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 20M 40M 60M 80M 100M
PAYS Yearly EPS VS EstimatesPAYS Yearly EPS VS EstimatesYearly EPS VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 0.05 -0.05 0.1 0.15

More info and screens

Find the best growth stocksShow best growing peers

4

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 25.31, the valuation of PAYS can be described as expensive.
  • Based on the Price/Earnings ratio, PAYS is valued a bit more expensive than 64.29% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of PAYS to the average of the S&P500 Index (26.64), we can say PAYS is valued inline with the index average.
  • PAYS is valuated rather expensively with a Price/Forward Earnings ratio of 17.92.
  • PAYS's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. PAYS is more expensive than 61.22% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 27.75. PAYS is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 25.31
Fwd PE 17.92
PAYS Price Earnings VS Forward Price EarningsPAYS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, PAYS is valued a bit cheaper than 62.24% of the companies in the same industry.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of PAYS is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 18.4
EV/EBITDA 12.39
PAYS Per share dataPAYS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0.2 0.4 0.6 0.8 1

4.3 Compensation for Growth

  • PAYS's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as PAYS's earnings are expected to grow with 35.31% in the coming years.
PEG (NY)0.3
PEG (5Y)N/A
EPS Next 2Y61.95%
EPS Next 3Y35.31%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

  • No dividends for PAYS!.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

PAYSIGN INC

NASDAQ:PAYS (2/24/2026, 4:30:02 PM)

After market: 3.29 0 (0%)

3.29

+0.08 (+2.49%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-12
Earnings (Next)03-23
Inst Owners44.95%
Inst Owner Change5.59%
Ins Owners28.8%
Ins Owner Change-0.1%
Market Cap181.08M
Revenue(TTM)74.88M
Net Income(TTM)7.56M
Analysts85.45
Price Target9.28 (182.07%)
Short Float %4.5%
Short Ratio4.84
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)26.05%
Min EPS beat(2)-43.98%
Max EPS beat(2)96.08%
EPS beat(4)2
Avg EPS beat(4)48.81%
Min EPS beat(4)-43.98%
Max EPS beat(4)145.1%
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)3.2%
Min Revenue beat(2)0.09%
Max Revenue beat(2)6.31%
Revenue beat(4)3
Avg Revenue beat(4)2.48%
Min Revenue beat(4)-0.74%
Max Revenue beat(4)6.31%
Revenue beat(8)7
Avg Revenue beat(8)2.74%
Revenue beat(12)9
Avg Revenue beat(12)2.01%
Revenue beat(16)10
Avg Revenue beat(16)1.23%
PT rev (1m)0%
PT rev (3m)3.41%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)15.91%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.36%
Revenue NY rev (1m)0%
Revenue NY rev (3m)4.25%
Valuation
Industry RankSector Rank
PE 25.31
Fwd PE 17.92
P/S 2.42
P/FCF 18.4
P/OCF 9.7
P/B 3.96
P/tB 10.1
EV/EBITDA 12.39
EPS(TTM)0.13
EY3.95%
EPS(NY)0.18
Fwd EY5.58%
FCF(TTM)0.18
FCFY5.44%
OCF(TTM)0.34
OCFY10.31%
SpS1.36
BVpS0.83
TBVpS0.33
PEG (NY)0.3
PEG (5Y)N/A
Graham Number1.56
Profitability
Industry RankSector Rank
ROA 3.61%
ROE 16.53%
ROCE 10.41%
ROIC 8.22%
ROICexc 9.46%
ROICexgc 21.41%
OM 7.98%
PM (TTM) 10.1%
GM 59.82%
FCFM 13.14%
ROA(3y)2.5%
ROA(5y)-1.85%
ROE(3y)15.08%
ROE(5y)-8.99%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5Y-37.16%
ROICexc growth 3YN/A
ROICexc growth 5Y-40.82%
OM growth 3YN/A
OM growth 5Y-36.97%
PM growth 3YN/A
PM growth 5Y-21.18%
GM growth 3Y3.37%
GM growth 5Y-0.13%
F-Score7
Asset Turnover0.36
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0.18
Debt/EBITDA 0
Cap/Depr 113.03%
Cap/Sales 11.8%
Interest Coverage 250
Cash Conversion 135.45%
Profit Quality 130.16%
Current Ratio 1.13
Quick Ratio 1.13
Altman-Z 1.3
F-Score7
WACC8.67%
ROIC/WACC0.95
Cap/Depr(3y)157.96%
Cap/Depr(5y)147.73%
Cap/Sales(3y)13.97%
Cap/Sales(5y)12.97%
Profit Quality(3y)910.79%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)62.5%
EPS 3YN/A
EPS 5Y-18.1%
EPS Q2Q%33.33%
EPS Next Y85.79%
EPS Next 2Y61.95%
EPS Next 3Y35.31%
EPS Next 5YN/A
Revenue 1Y (TTM)32.61%
Revenue growth 3Y25.61%
Revenue growth 5Y10.99%
Sales Q2Q%41.56%
Revenue Next Year38.87%
Revenue Next 2Y29.42%
Revenue Next 3Y24.31%
Revenue Next 5YN/A
EBIT growth 1Y401.09%
EBIT growth 3YN/A
EBIT growth 5Y-30.05%
EBIT Next Year1852.33%
EBIT Next 3Y210.57%
EBIT Next 5YN/A
FCF growth 1Y223.65%
FCF growth 3Y2.36%
FCF growth 5Y-0.02%
OCF growth 1Y1388.09%
OCF growth 3Y14.64%
OCF growth 5Y6.55%

PAYSIGN INC / PAYS FAQ

Can you provide the ChartMill fundamental rating for PAYSIGN INC?

ChartMill assigns a fundamental rating of 5 / 10 to PAYS.


What is the valuation status for PAYS stock?

ChartMill assigns a valuation rating of 4 / 10 to PAYSIGN INC (PAYS). This can be considered as Fairly Valued.


How profitable is PAYSIGN INC (PAYS) stock?

PAYSIGN INC (PAYS) has a profitability rating of 5 / 10.


What is the financial health of PAYSIGN INC (PAYS) stock?

The financial health rating of PAYSIGN INC (PAYS) is 5 / 10.