PAYSIGN INC (PAYS) Fundamental Analysis & Valuation

NASDAQ:PAYS • US70451A1043

Current stock price

5.045 USD
+1.27 (+33.82%)
Last:

This PAYS fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. PAYS Profitability Analysis

1.1 Basic Checks

  • In the past year PAYS was profitable.
  • In the past year PAYS had a positive cash flow from operations.
  • In multiple years PAYS reported negative net income over the last 5 years.
  • Of the past 5 years PAYS 4 years 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 71.00% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 16.53%, PAYS belongs to the top of the industry, outperforming 83.00% of the companies in the same industry.
  • Looking at the Return On Invested Capital, with a value of 8.22%, PAYS is in the better half of the industry, outperforming 78.00% of the companies in the same industry.
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

  • With a Profit Margin value of 10.10%, PAYS perfoms like the industry average, outperforming 53.00% of the companies in the same industry.
  • PAYS's Profit Margin has declined in the last couple of years.
  • With a Operating Margin value of 7.98%, PAYS perfoms like the industry average, outperforming 46.00% of the companies in the same industry.
  • In the last couple of years the Operating Margin of PAYS has declined.
  • With a decent Gross Margin value of 59.82%, PAYS is doing good in the industry, outperforming 75.00% of the companies in the same industry.
  • In the last couple of years the Gross Margin of PAYS has remained more or less at the same level.
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

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6

2. PAYS Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), PAYS is destroying value.
  • 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.
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

  • Based on the Altman-Z score of 1.41, we must say that PAYS is in the distress zone and has some risk of bankruptcy.
  • The Altman-Z score of PAYS (1.41) is better than 72.00% of its industry peers.
  • PAYS has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0.18
Altman-Z 1.41
ROIC/WACC0.92
WACC8.98%
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.
  • The Current ratio of PAYS (1.13) is comparable to the rest of the industry.
  • A Quick Ratio of 1.13 indicates that PAYS should not have too much problems paying its short term obligations.
  • PAYS has a better Quick ratio (1.13) than 61.00% 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

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

5

3. PAYS Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 85.71% over the past year.
  • Measured over the past years, PAYS shows a very strong growth in Earnings Per Share. The EPS has been growing by 86.63% on average per year.
EPS 1Y (TTM)85.71%
EPS 3Y86.63%
EPS 5YN/A
EPS Q2Q%0%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%45.84%

3.2 Future

  • PAYS is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 15.49% yearly.
  • PAYS is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 17.61% yearly.
EPS Next Y41.23%
EPS Next 2Y15.49%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year20.62%
Revenue Next 2Y17.61%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
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

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2

4. PAYS Valuation Analysis

4.1 Price/Earnings Ratio

  • PAYS is valuated quite expensively with a Price/Earnings ratio of 38.81.
  • PAYS's Price/Earnings ratio is a bit more expensive when compared to the industry. PAYS is more expensive than 70.00% of the companies in the same industry.
  • PAYS is valuated expensively when we compare the Price/Earnings ratio to 25.50, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 27.48 indicates a quite expensive valuation of PAYS.
  • Based on the Price/Forward Earnings ratio, PAYS is valued a bit more expensive than the industry average as 63.00% of the companies are valued more cheaply.
  • The average S&P500 Price/Forward Earnings ratio is at 22.67. PAYS is valued slightly more expensive when compared to this.
Industry RankSector Rank
PE 38.81
Fwd PE 27.48
PAYS Price Earnings VS Forward Price EarningsPAYS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • The rest of the industry has a similar Enterprise Value to EBITDA ratio as PAYS.
  • 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 28.21
EV/EBITDA 14.63
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.
  • PAYS's earnings are expected to grow with 15.49% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.94
PEG (5Y)N/A
EPS Next 2Y15.49%
EPS Next 3YN/A

More info and screens

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

0

5. PAYS Dividend Analysis

5.1 Amount

  • PAYS does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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PAYS Fundamentals: All Metrics, Ratios and Statistics

PAYSIGN INC

NASDAQ:PAYS (3/25/2026, 11:02:08 AM)

5.045

+1.27 (+33.82%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)03-24
Earnings (Next)N/A
Inst Owners46.74%
Inst Owner Change5.59%
Ins Owners28.8%
Ins Owner Change0.07%
Market Cap277.68M
Revenue(TTM)N/A
Net Income(TTM)7.56M
Analysts85.45
Price Target9.28 (83.94%)
Short Float %4.55%
Short Ratio4.67
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)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)2%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 38.81
Fwd PE 27.48
P/S 3.71
P/FCF 28.21
P/OCF 14.87
P/B 6.07
P/tB 15.49
EV/EBITDA 14.63
EPS(TTM)0.13
EY2.58%
EPS(NY)0.18
Fwd EY3.64%
FCF(TTM)0.18
FCFY3.54%
OCF(TTM)0.34
OCFY6.73%
SpS1.36
BVpS0.83
TBVpS0.33
PEG (NY)0.94
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 1.41
F-Score7
WACC8.98%
ROIC/WACC0.92
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)85.71%
EPS 3Y86.63%
EPS 5YN/A
EPS Q2Q%0%
EPS Next Y41.23%
EPS Next 2Y15.49%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%45.84%
Revenue Next Year20.62%
Revenue Next 2Y17.61%
Revenue Next 3YN/A
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 Fundamental Analysis 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 3 / 10 to PAYSIGN INC (PAYS). This can be considered as Overvalued.


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 6 / 10.