PAYSIGN INC (PAYS) Stock Fundamental Analysis
USA - NASDAQ:PAYS - US70451A1043 - Common Stock
5.74 USD
+0.01 (+0.17%)
5.64 USD
-0.1 (-1.74%)
Taking everything into account, PAYS scores 5 out of 10 in our fundamental rating. PAYS was compared to 101 industry peers in the Financial Services industry. PAYS has an average financial health and profitability rating. PAYS is valued quite expensive, but it does show an excellent growth.
1. Profitability
1.1 Basic Checks
PAYS had positive earnings in the past year.
PAYS had a negative operating cash flow in the past year.
In multiple years PAYS reported negative net income over the last 5 years.
In the past 5 years PAYS always reported a positive cash flow from operatings.
1.2 Ratios
PAYS has a better Return On Assets (3.50%) than 71.29% of its industry peers.
The Return On Equity of PAYS (16.08%) is better than 78.22% of its industry peers.
PAYS's Return On Invested Capital of 7.94% is fine compared to the rest of the industry. PAYS outperforms 76.24% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.5% | ||
| ROE | 16.08% | ||
| ROIC | 7.94% |
ROA(3y)2.5%
ROA(5y)-1.85%
ROE(3y)15.08%
ROE(5y)-8.99%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of PAYS (9.90%) is comparable to the rest of the industry.
PAYS's Profit Margin has declined in the last couple of years.
PAYS has a worse Operating Margin (7.41%) than 61.39% of its industry peers.
PAYS's Operating Margin has declined in the last couple of years.
PAYS has a better Gross Margin (59.99%) than 73.27% of its industry peers.
In the last couple of years the Gross Margin of PAYS has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 7.41% | ||
| PM (TTM) | 9.9% | ||
| GM | 59.99% |
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%
2. Health
2.1 Basic Checks
PAYS has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
PAYS has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, PAYS has more shares outstanding
PAYS has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
2.2 Solvency
PAYS has an Altman-Z score of 1.85. This is not the best score and indicates that PAYS is in the grey zone with still only limited risk for bankruptcy at the moment.
The Altman-Z score of PAYS (1.85) is better than 72.28% of its industry peers.
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.85 |
ROIC/WACC0.91
WACC8.69%
2.3 Liquidity
PAYS has a Current Ratio of 1.11. 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 Current ratio of 1.11. This is comparable to the rest of the industry: PAYS outperforms 53.47% of its industry peers.
A Quick Ratio of 1.11 indicates that PAYS should not have too much problems paying its short term obligations.
The Quick ratio of PAYS (1.11) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.11 | ||
| Quick Ratio | 1.11 |
3. Growth
3.1 Past
PAYS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 71.43%, which is quite impressive.
PAYS shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -18.10% yearly.
Looking at the last year, PAYS shows a very strong growth in Revenue. The Revenue has grown by 27.85%.
Measured over the past years, PAYS shows a quite strong growth in Revenue. The Revenue has been growing by 10.99% on average per year.
EPS 1Y (TTM)71.43%
EPS 3YN/A
EPS 5Y-18.1%
EPS Q2Q%100%
Revenue 1Y (TTM)27.85%
Revenue growth 3Y25.61%
Revenue growth 5Y10.99%
Sales Q2Q%33.12%
3.2 Future
Based on estimates for the next years, PAYS will show a very strong growth in Earnings Per Share. The EPS will grow by 47.45% on average per year.
Based on estimates for the next years, PAYS will show a very strong growth in Revenue. The Revenue will grow by 25.34% on average per year.
EPS Next Y71.21%
EPS Next 2Y80.06%
EPS Next 3Y47.45%
EPS Next 5YN/A
Revenue Next Year33.21%
Revenue Next 2Y26.81%
Revenue Next 3Y25.34%
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 47.83, the valuation of PAYS can be described as expensive.
Compared to the rest of the industry, the Price/Earnings ratio of PAYS indicates a slightly more expensive valuation: PAYS is more expensive than 74.26% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 27.20. PAYS is valued rather expensively when compared to this.
The Price/Forward Earnings ratio is 25.29, which means the current valuation is very expensive for PAYS.
Based on the Price/Forward Earnings ratio, PAYS is valued a bit more expensive than the industry average as 68.32% of the companies are valued more cheaply.
PAYS's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 22.71.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 47.83 | ||
| Fwd PE | 25.29 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of PAYS is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 24.48 |
4.3 Compensation for Growth
The 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 47.45% in the coming years.
PEG (NY)0.67
PEG (5Y)N/A
EPS Next 2Y80.06%
EPS Next 3Y47.45%
5. Dividend
5.1 Amount
No dividends for PAYS!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
5.74
+0.01 (+0.17%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners34.27%
Inst Owner Change9.31%
Ins Owners28.17%
Ins Owner Change0.17%
Market Cap312.54M
Analysts85.45
Price Target8.98 (56.45%)
Short Float %3.34%
Short Ratio1.3
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
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)50.56%
Min EPS beat(2)-43.98%
Max EPS beat(2)145.1%
EPS beat(4)2
Avg EPS beat(4)73.32%
Min EPS beat(4)-43.98%
Max EPS beat(4)194.12%
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)2.18%
Min Revenue beat(2)0.09%
Max Revenue beat(2)4.28%
Revenue beat(4)3
Avg Revenue beat(4)1.13%
Min Revenue beat(4)-0.74%
Max Revenue beat(4)4.28%
Revenue beat(8)7
Avg Revenue beat(8)2.38%
Revenue beat(12)9
Avg Revenue beat(12)1.83%
Revenue beat(16)9
Avg Revenue beat(16)0.69%
PT rev (1m)8.64%
PT rev (3m)32.33%
EPS NQ rev (1m)10%
EPS NQ rev (3m)10%
EPS NY rev (1m)-4.08%
EPS NY rev (3m)487.5%
Revenue NQ rev (1m)2.43%
Revenue NQ rev (3m)7.51%
Revenue NY rev (1m)3.17%
Revenue NY rev (3m)7.51%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 47.83 | ||
| Fwd PE | 25.29 | ||
| P/S | 4.56 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 7.4 | ||
| P/tB | 22.26 | ||
| EV/EBITDA | 24.48 |
EPS(TTM)0.12
EY2.09%
EPS(NY)0.23
Fwd EY3.95%
FCF(TTM)-0.32
FCFYN/A
OCF(TTM)-0.16
OCFYN/A
SpS1.26
BVpS0.78
TBVpS0.26
PEG (NY)0.67
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 3.5% | ||
| ROE | 16.08% | ||
| ROCE | 10.05% | ||
| ROIC | 7.94% | ||
| ROICexc | 10.34% | ||
| ROICexgc | 37.67% | ||
| OM | 7.41% | ||
| PM (TTM) | 9.9% | ||
| GM | 59.99% | ||
| FCFM | N/A |
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
ROICexcg growth 3YN/A
ROICexcg 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-Score6
Asset Turnover0.35
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 0 | ||
| Cap/Depr | 126.66% | ||
| Cap/Sales | 13.28% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.11 | ||
| Quick Ratio | 1.11 | ||
| Altman-Z | 1.85 |
F-Score6
WACC8.69%
ROIC/WACC0.91
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)71.43%
EPS 3YN/A
EPS 5Y-18.1%
EPS Q2Q%100%
EPS Next Y71.21%
EPS Next 2Y80.06%
EPS Next 3Y47.45%
EPS Next 5YN/A
Revenue 1Y (TTM)27.85%
Revenue growth 3Y25.61%
Revenue growth 5Y10.99%
Sales Q2Q%33.12%
Revenue Next Year33.21%
Revenue Next 2Y26.81%
Revenue Next 3Y25.34%
Revenue Next 5YN/A
EBIT growth 1Y365.29%
EBIT growth 3YN/A
EBIT growth 5Y-30.05%
EBIT Next Year1619.56%
EBIT Next 3Y217.1%
EBIT Next 5YN/A
FCF growth 1Y-598.51%
FCF growth 3Y2.36%
FCF growth 5Y-0.02%
OCF growth 1Y-193.11%
OCF growth 3Y14.64%
OCF growth 5Y6.55%