PAYSIGN INC (PAYS) Stock Fundamental Analysis
NASDAQ:PAYS - Nasdaq - US70451A1043 - Common Stock - Currency: USD
We assign a fundamental rating of 5 out of 10 to PAYS. PAYS was compared to 101 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 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 positive 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 (2.98%) than 64.36% of its industry peers.
PAYS has a better Return On Equity (15.64%) than 76.24% of its industry peers.
With a decent Return On Invested Capital value of 6.08%, PAYS is doing good in the industry, outperforming 73.27% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.98% | ||
| ROE | 15.64% | ||
| ROIC | 6.08% |
ROA(3y)2.49%
ROA(5y)-1.85%
ROE(3y)15.32%
ROE(5y)-8.84%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 9.56%, PAYS is in line with its industry, outperforming 49.51% of the companies in the same industry.
In the last couple of years the Profit Margin of PAYS has declined.
The Operating Margin of PAYS (5.91%) is worse than 65.35% of its industry peers.
PAYS's Operating Margin has declined in the last couple of years.
The Gross Margin of PAYS (57.92%) is better 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 | 5.91% | ||
| PM (TTM) | 9.56% | ||
| GM | 57.92% |
OM growth 3YN/A
OM growth 5Y-36.99%
PM growth 3YN/A
PM growth 5Y-21.17%
GM growth 3Y3.37%
GM growth 5Y-0.13%
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so PAYS is destroying value.
Compared to 1 year ago, PAYS has more shares outstanding
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.
2.2 Solvency
Based on the Altman-Z score of 1.60, we must say that PAYS is in the distress zone and has some risk of bankruptcy.
With a decent Altman-Z score value of 1.60, PAYS is doing good in the industry, outperforming 69.31% 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.6 |
ROIC/WACC0.68
WACC8.91%
2.3 Liquidity
PAYS has a Current Ratio of 1.07. 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 1.07, PAYS is in line with its industry, outperforming 49.51% of the companies in the same industry.
A Quick Ratio of 1.07 indicates that PAYS should not have too much problems paying its short term obligations.
Looking at the Quick ratio, with a value of 1.07, PAYS is in line with its industry, outperforming 49.51% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.07 | ||
| Quick Ratio | 1.07 |
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.
Measured over the past years, PAYS shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -18.10% on average per year.
PAYS shows a strong growth in Revenue. In the last year, the Revenue has grown by 23.50%.
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)23.5%
Revenue growth 3Y25.61%
Revenue growth 5Y10.99%
Sales Q2Q%33.14%
3.2 Future
The Earnings Per Share is expected to grow by 47.45% on average over the next years. This is a very strong growth
PAYS is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 25.05% yearly.
EPS Next Y78.5%
EPS Next 2Y64.19%
EPS Next 3Y47.45%
EPS Next 5YN/A
Revenue Next Year29.12%
Revenue Next 2Y24.14%
Revenue Next 3Y25.05%
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
With a Price/Earnings ratio of 46.75, PAYS can be considered very expensive at the moment.
Based on the Price/Earnings ratio, PAYS is valued a bit more expensive than 75.25% of the companies in the same industry.
When comparing the Price/Earnings ratio of PAYS to the average of the S&P500 Index (26.48), we can say PAYS is valued expensively.
Based on the Price/Forward Earnings ratio of 29.73, the valuation of PAYS can be described as expensive.
Compared to the rest of the industry, the Price/Forward 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.
PAYS is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 34.04, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 46.75 | ||
| Fwd PE | 29.73 |
4.2 Price Multiples
PAYS's Enterprise Value to EBITDA ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 28.95 |
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 47.45% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.6
PEG (5Y)N/A
EPS Next 2Y64.19%
EPS Next 3Y47.45%
5. Dividend
5.1 Amount
No dividends for PAYS!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
5.61
-0.28 (-4.83%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners34.27%
Inst Owner Change0.46%
Ins Owners28.17%
Ins Owner Change-0.16%
Market Cap304.17M
Analysts85.45
Price Target8.26 (47.24%)
Short Float %2.25%
Short Ratio0.96
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)71.57%
Min EPS beat(2)-1.96%
Max EPS beat(2)145.1%
EPS beat(4)2
Avg EPS beat(4)83.82%
Min EPS beat(4)-1.96%
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)1
Avg Revenue beat(2)1.77%
Min Revenue beat(2)-0.74%
Max Revenue beat(2)4.28%
Revenue beat(4)3
Avg Revenue beat(4)1.2%
Min Revenue beat(4)-0.74%
Max Revenue beat(4)4.28%
Revenue beat(8)7
Avg Revenue beat(8)3.03%
Revenue beat(12)8
Avg Revenue beat(12)1.44%
Revenue beat(16)8
Avg Revenue beat(16)0.41%
PT rev (1m)5.19%
PT rev (3m)33.88%
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)1080%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)5.99%
Revenue NY rev (1m)0%
Revenue NY rev (3m)8.28%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 46.75 | ||
| Fwd PE | 29.73 | ||
| P/S | 4.77 | ||
| P/FCF | N/A | ||
| P/OCF | 34.84 | ||
| P/B | 7.8 | ||
| P/tB | 35.83 | ||
| EV/EBITDA | 28.95 |
EPS(TTM)0.12
EY2.14%
EPS(NY)0.19
Fwd EY3.36%
FCF(TTM)-0.02
FCFYN/A
OCF(TTM)0.16
OCFY2.87%
SpS1.18
BVpS0.72
TBVpS0.16
PEG (NY)0.6
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.98% | ||
| ROE | 15.64% | ||
| ROCE | 7.69% | ||
| ROIC | 6.08% | ||
| ROICexc | 7.07% | ||
| ROICexgc | 25.58% | ||
| OM | 5.91% | ||
| PM (TTM) | 9.56% | ||
| GM | 57.92% | ||
| FCFM | N/A |
ROA(3y)2.49%
ROA(5y)-1.85%
ROE(3y)15.32%
ROE(5y)-8.84%
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-37.58%
ROICexc growth 3YN/A
ROICexc growth 5Y-40.88%
OM growth 3YN/A
OM growth 5Y-36.99%
PM growth 3YN/A
PM growth 5Y-21.17%
GM growth 3Y3.37%
GM growth 5Y-0.13%
F-Score8
Asset Turnover0.31
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 0 | ||
| Cap/Depr | 148.62% | ||
| Cap/Sales | 15.14% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 85% | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.07 | ||
| Quick Ratio | 1.07 | ||
| Altman-Z | 1.6 |
F-Score8
WACC8.91%
ROIC/WACC0.68
Cap/Depr(3y)157.97%
Cap/Depr(5y)147.73%
Cap/Sales(3y)13.97%
Cap/Sales(5y)12.97%
Profit Quality(3y)913.04%
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 Y78.5%
EPS Next 2Y64.19%
EPS Next 3Y47.45%
EPS Next 5YN/A
Revenue 1Y (TTM)23.5%
Revenue growth 3Y25.61%
Revenue growth 5Y10.99%
Sales Q2Q%33.14%
Revenue Next Year29.12%
Revenue Next 2Y24.14%
Revenue Next 3Y25.05%
Revenue Next 5YN/A
EBIT growth 1Y1108.33%
EBIT growth 3YN/A
EBIT growth 5Y-30.07%
EBIT Next Year1619.56%
EBIT Next 3Y217.1%
EBIT Next 5YN/A
FCF growth 1Y-105.07%
FCF growth 3Y2.49%
FCF growth 5Y0.06%
OCF growth 1Y-62.71%
OCF growth 3Y14.73%
OCF growth 5Y6.6%