PAYSIGN INC (PAYS) Stock Fundamental Analysis
USA - NASDAQ:PAYS - US70451A1043 - Common Stock
5.07 USD
-0.04 (-0.78%)
5.16 USD
+0.09 (+1.78%)
We assign a fundamental rating of 5 out of 10 to PAYS. PAYS was compared to 98 industry peers in the Financial Services industry. PAYS has only an average score on both its financial health and profitability. PAYS shows excellent growth, but is valued quite expensive already.
1. Profitability
1.1 Basic Checks
In the past year PAYS was profitable.
In the past year PAYS has reported a negative cash flow from operations.
In multiple years PAYS reported negative net income over the last 5 years.
PAYS had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
PAYS's Return On Assets of 3.50% is fine compared to the rest of the industry. PAYS outperforms 71.43% of its industry peers.
The Return On Equity of PAYS (16.08%) is better than 77.55% of its industry peers.
PAYS has a Return On Invested Capital of 7.94%. This is in the better half of the industry: PAYS outperforms 76.53% 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.
In the last couple of years the Profit Margin of PAYS has declined.
PAYS has a worse Operating Margin (7.41%) than 61.22% 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 73.47% of its industry peers.
PAYS's Gross Margin has been stable in the last couple of years.
| 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.
The number of shares outstanding for PAYS has been increased compared to 1 year ago.
The number of shares outstanding for PAYS has been increased compared to 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.
2.2 Solvency
PAYS has an Altman-Z score of 1.72. This is a bad value and indicates that PAYS is not financially healthy and even has some risk of bankruptcy.
The Altman-Z score of PAYS (1.72) is better than 71.43% 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.72 |
ROIC/WACC0.91
WACC8.75%
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.
Looking at the Current ratio, with a value of 1.11, PAYS is in line with its industry, outperforming 54.08% of the companies in the same industry.
PAYS has a Quick 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.
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
The Earnings Per Share has grown by an impressive 71.43% over the past year.
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%.
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)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.
PAYS is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 25.34% yearly.
EPS Next Y100.36%
EPS Next 2Y85.05%
EPS Next 3Y47.45%
EPS Next 5YN/A
Revenue Next Year33.21%
Revenue Next 2Y27.44%
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 42.25, the valuation of PAYS can be described as expensive.
Based on the Price/Earnings ratio, PAYS is valued a bit more expensive than the industry average as 72.45% of the companies are valued more cheaply.
The average S&P500 Price/Earnings ratio is at 25.83. PAYS is valued rather expensively when compared to this.
Based on the Price/Forward Earnings ratio of 21.15, the valuation of PAYS can be described as rather expensive.
63.27% of the companies in the same industry are cheaper than PAYS, based on the Price/Forward Earnings ratio.
PAYS's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 32.68.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 42.25 | ||
| Fwd PE | 21.15 |
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 | 21.72 |
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)0.42
PEG (5Y)N/A
EPS Next 2Y85.05%
EPS Next 3Y47.45%
5. Dividend
5.1 Amount
PAYS does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
5.07
-0.04 (-0.78%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners36.46%
Inst Owner Change5.14%
Ins Owners28.38%
Ins Owner Change0.17%
Market Cap276.06M
Revenue(TTM)68.54M
Net Income(TTM)6.79M
Analysts85.45
Price Target8.98 (77.12%)
Short Float %3.06%
Short Ratio1.7
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)0%
PT rev (3m)8.64%
EPS NQ rev (1m)-27.27%
EPS NQ rev (3m)-27.27%
EPS NY rev (1m)0%
EPS NY rev (3m)12.24%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)5.23%
Revenue NY rev (1m)0%
Revenue NY rev (3m)3.17%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 42.25 | ||
| Fwd PE | 21.15 | ||
| P/S | 4.03 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 6.54 | ||
| P/tB | 19.67 | ||
| EV/EBITDA | 21.72 |
EPS(TTM)0.12
EY2.37%
EPS(NY)0.24
Fwd EY4.73%
FCF(TTM)-0.32
FCFYN/A
OCF(TTM)-0.16
OCFYN/A
SpS1.26
BVpS0.78
TBVpS0.26
PEG (NY)0.42
PEG (5Y)N/A
Graham Number1.45
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
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-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 | 1.72 |
F-Score6
WACC8.75%
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 Y100.36%
EPS Next 2Y85.05%
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 2Y27.44%
Revenue Next 3Y25.34%
Revenue Next 5YN/A
EBIT growth 1Y365.29%
EBIT growth 3YN/A
EBIT growth 5Y-30.05%
EBIT Next Year1804.87%
EBIT Next 3Y221.95%
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%
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 of PAYSIGN INC (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 4 / 10.
How financially healthy is PAYSIGN INC?
The financial health rating of PAYSIGN INC (PAYS) is 5 / 10.