PAYSIGN INC (PAYS) Fundamental Analysis & Valuation

NASDAQ:PAYS • US70451A1043

Current stock price

6.22 USD
+0.13 (+2.13%)
At close:
6.2961 USD
+0.08 (+1.22%)
After Hours:

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

7

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.
  • Of the past 5 years PAYS 4 years were profitable.
  • Each year in the past 5 years PAYS 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 2025 0 20M 40M

1.2 Ratios

  • The Return On Assets of PAYS (2.73%) is better than 67.68% of its industry peers.
  • PAYS has a better Return On Equity (15.57%) than 81.82% of its industry peers.
  • The Return On Invested Capital of PAYS (10.29%) is better than 83.84% of its industry peers.
Industry RankSector Rank
ROA 2.73%
ROE 15.57%
ROIC 10.29%
ROA(3y)3.09%
ROA(5y)1.4%
ROE(3y)18.16%
ROE(5y)7.98%
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 2025 0 20 -20 40 -40 -60

1.3 Margins

  • PAYS has a Profit Margin of 9.21%. This is comparable to the rest of the industry: PAYS outperforms 50.51% of its industry peers.
  • In the last couple of years the Profit Margin of PAYS has grown nicely.
  • With a Operating Margin value of 8.98%, PAYS perfoms like the industry average, outperforming 45.45% of the companies in the same industry.
  • PAYS's Operating Margin has improved in the last couple of years.
  • PAYS has a better Gross Margin (59.39%) than 73.74% of its industry peers.
  • PAYS's Gross Margin has improved in the last couple of years.
Industry RankSector Rank
OM 8.98%
PM (TTM) 9.21%
GM 59.39%
OM growth 3Y115.73%
OM growth 5YN/A
PM growth 3Y50.36%
PM growth 5YN/A
GM growth 3Y2.54%
GM growth 5Y9.02%
PAYS Yearly Profit, Operating, Gross MarginsPAYS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20 -20 40

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ROAROEROICOperating and Profit MarginShow most profitable peers

6

2. PAYS Health Analysis

2.1 Basic Checks

  • PAYS has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some 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.
PAYS Yearly Shares OutstandingPAYS Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 50M 100M 150M 200M 250M

2.2 Solvency

  • PAYS has an Altman-Z score of 1.45. This is a bad value and indicates that PAYS is not financially healthy and even has some risk of bankruptcy.
  • With a decent Altman-Z score value of 1.45, PAYS is doing good in the industry, outperforming 68.69% of the companies in the same industry.
  • 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
Altman-Z 1.45
ROIC/WACC1.15
WACC8.95%
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 2025 10M 20M 30M 40M

2.3 Liquidity

  • A Current Ratio of 1.11 indicates that PAYS should not have too much problems paying its short term obligations.
  • PAYS has a Current ratio of 1.11. This is comparable to the rest of the industry: PAYS outperforms 58.59% of its industry peers.
  • 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.
  • Looking at the Quick ratio, with a value of 1.11, PAYS is in the better half of the industry, outperforming 60.61% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.11
Quick Ratio 1.11
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 2025 50M 100M 150M 200M

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

9

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 85.71%, which is quite impressive.
  • The Earnings Per Share has been growing by 86.63% on average over the past years. This is a very strong growth
  • Looking at the last year, PAYS shows a very strong growth in Revenue. The Revenue has grown by 40.50%.
  • The Revenue has been growing by 27.74% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)85.71%
EPS 3Y86.63%
EPS 5YN/A
EPS Q2Q%0%
Revenue 1Y (TTM)40.5%
Revenue growth 3Y29.2%
Revenue growth 5Y27.74%
Sales Q2Q%45.81%

3.2 Future

  • PAYS is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 61.52% yearly.
  • PAYS is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 23.69% yearly.
EPS Next Y86.35%
EPS Next 2Y61.52%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year33.17%
Revenue Next 2Y23.69%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
  • The Revenue growth rate is stable: in the next years the growth will be about the same 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 0.1 0.2 0.3

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Find the best growth stocksShow best growing peers

5

4. PAYS Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 47.85, PAYS can be considered very expensive at the moment.
  • 69.70% of the companies in the same industry are cheaper than PAYS, based on the Price/Earnings ratio.
  • The average S&P500 Price/Earnings ratio is at 27.42. PAYS is valued rather expensively when compared to this.
  • With a Price/Forward Earnings ratio of 25.68, PAYS can be considered very expensive at the moment.
  • Based on the Price/Forward Earnings ratio, PAYS is valued a bit more expensive than 65.66% of the companies in the same industry.
  • PAYS is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 22.24, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 47.85
Fwd PE 25.68
PAYS Price Earnings VS Forward Price EarningsPAYS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

  • The rest of the industry has a similar Enterprise Value to EBITDA ratio as PAYS.
  • Based on the Price/Free Cash Flow ratio, PAYS is valued cheaply inside the industry as 83.84% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 7.74
EV/EBITDA 20.09
PAYS Per share dataPAYS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0.5 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.
  • The decent profitability rating of PAYS may justify a higher PE ratio.
  • PAYS's earnings are expected to grow with 61.52% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.55
PEG (5Y)N/A
EPS Next 2Y61.52%
EPS Next 3YN/A

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

0

5. PAYS Dividend Analysis

5.1 Amount

  • No dividends for PAYS!.
Industry RankSector Rank
Dividend Yield 0%

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Find the best dividend stocksShow peers with best dividend

PAYS Fundamentals: All Metrics, Ratios and Statistics

PAYSIGN INC

NASDAQ:PAYS (4/24/2026, 8:01:22 PM)

After market: 6.2961 +0.08 (+1.22%)

6.22

+0.13 (+2.13%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)03-24
Earnings (Next)05-12
Inst Owners46.67%
Inst Owner Change0.43%
Ins Owners21.23%
Ins Owner Change0.07%
Market Cap343.28M
Revenue(TTM)82.03M
Net Income(TTM)7.55M
Analysts85.45
Price Target10 (60.77%)
Short Float %5.29%
Short Ratio2.71
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)47.06%
Min EPS beat(2)-1.96%
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)4.93%
Min Revenue beat(2)3.56%
Max Revenue beat(2)6.31%
Revenue beat(4)4
Avg Revenue beat(4)3.56%
Min Revenue beat(4)0.09%
Max Revenue beat(4)6.31%
Revenue beat(8)7
Avg Revenue beat(8)2.39%
Revenue beat(12)10
Avg Revenue beat(12)2.6%
Revenue beat(16)11
Avg Revenue beat(16)1.67%
PT rev (1m)7.69%
PT rev (3m)7.69%
EPS NQ rev (1m)49.99%
EPS NQ rev (3m)49.99%
EPS NY rev (1m)31.94%
EPS NY rev (3m)31.94%
Revenue NQ rev (1m)13.34%
Revenue NQ rev (3m)13.34%
Revenue NY rev (1m)10.41%
Revenue NY rev (3m)10.41%
Valuation
Industry RankSector Rank
PE 47.85
Fwd PE 25.68
P/S 4.18
P/FCF 7.74
P/OCF 6.54
P/B 7.08
P/tB 15.85
EV/EBITDA 20.09
EPS(TTM)0.13
EY2.09%
EPS(NY)0.24
Fwd EY3.89%
FCF(TTM)0.8
FCFY12.92%
OCF(TTM)0.95
OCFY15.28%
SpS1.49
BVpS0.88
TBVpS0.39
PEG (NY)0.55
PEG (5Y)N/A
Graham Number1.6031 (-74.23%)
Profitability
Industry RankSector Rank
ROA 2.73%
ROE 15.57%
ROCE 12.29%
ROIC 10.29%
ROICexc 15.88%
ROICexgc 51.37%
OM 8.98%
PM (TTM) 9.21%
GM 59.39%
FCFM 54.07%
ROA(3y)3.09%
ROA(5y)1.4%
ROE(3y)18.16%
ROE(5y)7.98%
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 3Y96.41%
ROICexgc growth 5YN/A
ROICexc growth 3Y76.73%
ROICexc growth 5YN/A
OM growth 3Y115.73%
OM growth 5YN/A
PM growth 3Y50.36%
PM growth 5YN/A
GM growth 3Y2.54%
GM growth 5Y9.02%
F-Score7
Asset Turnover0.3
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA 0
Cap/Depr 97.3%
Cap/Sales 9.87%
Interest Coverage 250
Cash Conversion 334.47%
Profit Quality 587.38%
Current Ratio 1.11
Quick Ratio 1.11
Altman-Z 1.45
F-Score7
WACC8.95%
ROIC/WACC1.15
Cap/Depr(3y)143.54%
Cap/Depr(5y)135.68%
Cap/Sales(3y)13.68%
Cap/Sales(5y)12.18%
Profit Quality(3y)419.53%
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 Y86.35%
EPS Next 2Y61.52%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)40.5%
Revenue growth 3Y29.2%
Revenue growth 5Y27.74%
Sales Q2Q%45.81%
Revenue Next Year33.17%
Revenue Next 2Y23.69%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y618.82%
EBIT growth 3Y178.73%
EBIT growth 5YN/A
EBIT Next Year369.75%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y229.58%
FCF growth 3Y27.84%
FCF growth 5Y33.55%
OCF growth 1Y128.57%
OCF growth 3Y27.48%
OCF growth 5Y30.65%

PAYSIGN INC / PAYS Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for PAYSIGN INC?

ChartMill assigns a fundamental rating of 6 / 10 to PAYS.


Can you provide the valuation status for PAYSIGN INC?

ChartMill assigns a valuation rating of 5 / 10 to PAYSIGN INC (PAYS). This can be considered as Fairly Valued.


Can you provide the profitability details for PAYSIGN INC?

PAYSIGN INC (PAYS) has a profitability rating of 7 / 10.


Can you provide the financial health for PAYS stock?

The financial health rating of PAYSIGN INC (PAYS) is 6 / 10.


What is the expected EPS growth for PAYSIGN INC (PAYS) stock?

The Earnings per Share (EPS) of PAYSIGN INC (PAYS) is expected to grow by 86.35% in the next year.