PAYSIGN INC (PAYS) Fundamental Analysis & Valuation

NASDAQ:PAYS • US70451A1043

Current stock price

3.18 USD
-0.04 (-1.24%)
At close:
3.24 USD
+0.06 (+1.89%)
Pre-Market:

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

5

1. PAYS Profitability Analysis

1.1 Basic Checks

  • In the past year PAYS was profitable.
  • 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.
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

  • PAYS has a better Return On Assets (3.61%) than 70.41% of its industry peers.
  • Looking at the Return On Equity, with a value of 16.53%, PAYS belongs to the top of the industry, outperforming 82.65% of the companies in the same industry.
  • The Return On Invested Capital of PAYS (8.22%) is better than 77.55% of its industry peers.
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

  • PAYS has a Profit Margin (10.10%) which is in line with its industry peers.
  • In the last couple of years the Profit Margin of PAYS has declined.
  • PAYS has a Operating Margin (7.98%) which is in line with its industry peers.
  • PAYS's Operating Margin has declined in the last couple of years.
  • Looking at the Gross Margin, with a value of 59.82%, PAYS is in the better half of the industry, outperforming 74.49% 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

  • PAYS has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • 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.
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 1.29, we must say that PAYS is in the distress zone and has some risk of bankruptcy.
  • The Altman-Z score of PAYS (1.29) is better than 67.35% 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 1.29
ROIC/WACC0.92
WACC8.9%
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

  • PAYS has a Current Ratio of 1.13. 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 (1.13) which is in line with its industry peers.
  • 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 61.22% 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

8

3. PAYS Growth Analysis

3.1 Past

  • PAYS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 62.50%, 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.
  • Looking at the last year, PAYS shows a very strong growth in Revenue. The Revenue has grown by 32.61%.
  • 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)62.5%
EPS 3YN/A
EPS 5Y-18.1%
EPS Q2Q%33.33%
Revenue 1Y (TTM)32.61%
Revenue growth 3Y25.61%
Revenue growth 5Y10.99%
Sales Q2Q%41.56%

3.2 Future

  • PAYS is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 35.31% yearly.
  • Based on estimates for the next years, PAYS will show a very strong growth in Revenue. The Revenue will grow by 24.31% on average per year.
EPS Next Y85.79%
EPS Next 2Y61.95%
EPS Next 3Y35.31%
EPS Next 5YN/A
Revenue Next Year38.87%
Revenue Next 2Y29.42%
Revenue Next 3Y24.31%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last 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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4

4. PAYS Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 24.46, PAYS is valued on the expensive side.
  • Compared to the rest of the industry, the Price/Earnings ratio of PAYS indicates a slightly more expensive valuation: PAYS is more expensive than 64.29% of the companies listed in the same industry.
  • PAYS's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 25.73.
  • A Price/Forward Earnings ratio of 17.32 indicates a rather expensive valuation of PAYS.
  • Based on the Price/Forward Earnings ratio, PAYS is valued a bit more expensive than 61.22% of the companies in the same industry.
  • PAYS's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 23.72.
Industry RankSector Rank
PE 24.46
Fwd PE 17.32
PAYS Price Earnings VS Forward Price EarningsPAYS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, PAYS is valued a bit cheaper than 61.22% of the companies in the same industry.
  • 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 17.78
EV/EBITDA 12.27
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

  • The 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 35.31% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.29
PEG (5Y)N/A
EPS Next 2Y61.95%
EPS Next 3Y35.31%

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 (3/19/2026, 8:22:30 PM)

Premarket: 3.24 +0.06 (+1.89%)

3.18

-0.04 (-1.24%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-12
Earnings (Next)03-24
Inst Owners46.74%
Inst Owner Change5.59%
Ins Owners28.8%
Ins Owner Change0.07%
Market Cap175.03M
Revenue(TTM)74.88M
Net Income(TTM)7.56M
Analysts85.45
Price Target9.28 (191.82%)
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 24.46
Fwd PE 17.32
P/S 2.34
P/FCF 17.78
P/OCF 9.37
P/B 3.83
P/tB 9.76
EV/EBITDA 12.27
EPS(TTM)0.13
EY4.09%
EPS(NY)0.18
Fwd EY5.77%
FCF(TTM)0.18
FCFY5.62%
OCF(TTM)0.34
OCFY10.67%
SpS1.36
BVpS0.83
TBVpS0.33
PEG (NY)0.29
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 1.29
F-Score7
WACC8.9%
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)62.5%
EPS 3YN/A
EPS 5Y-18.1%
EPS Q2Q%33.33%
EPS Next Y85.79%
EPS Next 2Y61.95%
EPS Next 3Y35.31%
EPS Next 5YN/A
Revenue 1Y (TTM)32.61%
Revenue growth 3Y25.61%
Revenue growth 5Y10.99%
Sales Q2Q%41.56%
Revenue Next Year38.87%
Revenue Next 2Y29.42%
Revenue Next 3Y24.31%
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 4 / 10 to PAYSIGN INC (PAYS). This can be considered as Fairly Valued.


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.