PAYSIGN INC (PAYS)
US70451A1043 - Common Stock
We assign a fundamental rating of 5 out of 10 to PAYS. PAYS was compared to 102 industry peers in the Financial Services industry. PAYS has only an average score on both its financial health and profitability. PAYS is valued quite expensively, but it does show have an excellent growth rating. These ratings would make PAYS suitable for growth investing!
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.
PAYS had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With a decent Return On Assets value of 4.41%, PAYS is doing good in the industry, outperforming 74.51% of the companies in the same industry.
PAYS has a Return On Equity of 26.39%. This is amongst the best in the industry. PAYS outperforms 88.24% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.41% | ||
| ROE | 26.39% | ||
| ROIC | N/A |
ROA(3y)0.71%
ROA(5y)0.51%
ROE(3y)3.92%
ROE(5y)-3.89%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
PAYS has a Profit Margin of 13.67%. This is in the better half of the industry: PAYS outperforms 64.71% of its industry peers.
PAYS's Profit Margin has improved in the last couple of years.
PAYS's Gross Margin of 51.07% is fine compared to the rest of the industry. PAYS outperforms 69.61% 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 | N/A | ||
| PM (TTM) | 13.67% | ||
| GM | 51.07% |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5Y4.32%
GM growth 3Y9.81%
GM growth 5Y0.96%
2. Health
2.1 Basic Checks
PAYS does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, PAYS has more shares outstanding
The number of shares outstanding for PAYS has been increased compared to 5 years ago.
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.
2.2 Solvency
Based on the Altman-Z score of 1.67, we must say that PAYS is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of PAYS (1.67) is better than 70.59% 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 | 0 | ||
| Altman-Z | 1.67 |
ROIC/WACCN/A
WACC9.14%
2.3 Liquidity
PAYS has a Current Ratio of 1.08. This is a normal value and indicates that PAYS is financially healthy and should not expect problems in meeting its short term obligations.
The Current ratio of PAYS (1.08) is comparable to the rest of the industry.
A Quick Ratio of 1.08 indicates that PAYS should not have too much problems paying its short term obligations.
PAYS has a Quick ratio of 1.08. This is comparable to the rest of the industry: PAYS outperforms 51.96% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.08 | ||
| Quick Ratio | 1.08 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 150.00% over the past year.
The Earnings Per Share has been growing by 18.99% on average over the past years. This is quite good.
Looking at the last year, PAYS shows a very strong growth in Revenue. The Revenue has grown by 24.26%.
PAYS shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 15.08% yearly.
EPS 1Y (TTM)150%
EPS 3YN/A
EPS 5Y18.99%
EPS growth Q2Q200%
Revenue 1Y (TTM)24.26%
Revenue growth 3Y25.15%
Revenue growth 5Y15.08%
Revenue growth Q2Q28.9%
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 19.50% yearly.
The Revenue is expected to grow by 17.40% on average over the next years. This is quite good.
EPS Next Y-4.79%
EPS Next 2Y19.5%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year21.27%
Revenue Next 2Y17.4%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 91.80, PAYS can be considered very expensive at the moment.
Based on the Price/Earnings ratio, PAYS is valued a bit more expensive than 68.63% of the companies in the same industry.
PAYS's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 28.02.
The Price/Forward Earnings ratio is 96.42, 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 73.53% of the companies in the same industry.
PAYS is valuated expensively when we compare the Price/Forward Earnings ratio to 20.58, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 91.8 | ||
| Fwd PE | 96.42 |
4.2 Price Multiples
60.78% of the companies in the same industry are cheaper than PAYS, based on the Enterprise Value to EBITDA ratio.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of PAYS indicates a somewhat cheap valuation: PAYS is cheaper than 70.59% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.82 | ||
| EV/EBITDA | 60.53 |
4.3 Compensation for Growth
A more expensive valuation may be justified as PAYS's earnings are expected to grow with 19.50% in the coming years.
PEG (NY)N/A
PEG (5Y)4.84
EPS Next 2Y19.5%
EPS Next 3YN/A
5. Dividend
5.1 Amount
No dividends for PAYS!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
PAYSIGN INC
NASDAQ:PAYS (5/6/2024, 7:20:00 PM)
After market: 4.68 +0.09 (+1.96%)4.59
-0.14 (-2.96%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap243.13M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
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Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
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Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 91.8 | ||
| Fwd PE | 96.42 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)4.84
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.41% | ||
| ROE | 26.39% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 13.67% | ||
| GM | 51.07% | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.32
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 1.08 | ||
| Quick Ratio | 1.08 | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)150%
EPS 3YN/A
EPS 5Y
EPS growth Q2Q
EPS Next Y-4.79%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)24.26%
Revenue growth 3Y25.15%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y