PAYSIGN INC (PAYS) Stock Fundamental Analysis
NASDAQ:PAYS - Nasdaq - US70451A1043 - Common Stock - Currency: USD
Overall PAYS gets a fundamental rating of 4 out of 10. We evaluated PAYS against 101 industry peers in the Financial Services industry. PAYS scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. PAYS is valied quite expensively at the moment, while it does show a decent growth rate.
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.
The reported net income has been mixed in the past 5 years: PAYS reported negative net income in multiple years.
In the past 5 years PAYS always reported a positive cash flow from operatings.
1.2 Ratios
PAYS's Return On Assets of 2.13% is in line compared to the rest of the industry. PAYS outperforms 56.44% of its industry peers.
With a Return On Equity value of 12.54%, PAYS perfoms like the industry average, outperforming 56.44% of the companies in the same industry.
PAYS has a Return On Invested Capital (2.45%) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.13% | ||
| ROE | 12.54% | ||
| ROIC | 2.45% |
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
PAYS's Profit Margin of 6.54% is on the low side compared to the rest of the industry. PAYS is outperformed by 62.38% of its industry peers.
PAYS's Profit Margin has declined in the last couple of years.
The Operating Margin of PAYS (1.75%) is worse than 69.31% of its industry peers.
In the last couple of years the Operating Margin of PAYS has declined.
With a decent Gross Margin value of 55.15%, PAYS is doing good in the industry, outperforming 73.27% of the companies in the same industry.
PAYS's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 1.75% | ||
| PM (TTM) | 6.54% | ||
| GM | 55.15% |
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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so PAYS 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 1.03. This is a bad value and indicates that PAYS is not financially healthy and even has some risk of bankruptcy.
PAYS has a better Altman-Z score (1.03) than 63.37% 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 | 1.03 |
ROIC/WACC0.26
WACC9.48%
2.3 Liquidity
PAYS has a Current Ratio of 1.09. 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 of 1.09. This is comparable to the rest of the industry: PAYS outperforms 53.47% of its industry peers.
PAYS has a Quick Ratio of 1.09. 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 Quick ratio of 1.09. This is comparable to the rest of the industry: PAYS outperforms 55.45% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.09 | ||
| Quick Ratio | 1.09 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 40.00% over the past year.
The earnings per share for PAYS have been decreasing by -18.10% on average. This is quite bad
PAYS shows a strong growth in Revenue. In the last year, the Revenue has grown by 23.51%.
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)40%
EPS 3YN/A
EPS 5Y-18.1%
EPS Q2Q%-33.33%
Revenue 1Y (TTM)23.51%
Revenue growth 3Y25.61%
Revenue growth 5Y10.99%
Sales Q2Q%14%
3.2 Future
Based on estimates for the next years, PAYS will show a very negative growth in Earnings Per Share. The EPS will decrease by -41.42% on average per year.
PAYS is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 16.41% yearly.
EPS Next Y-118.21%
EPS Next 2Y-41.42%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year19.24%
Revenue Next 2Y16.41%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
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 34.57, PAYS can be considered very expensive at the moment.
Based on the Price/Earnings ratio, PAYS is valued a bit more expensive than the industry average as 70.30% of the companies are valued more cheaply.
PAYS is valuated rather expensively when we compare the Price/Earnings ratio to 28.10, which is the current average of the S&P500 Index.
PAYS is expected to report negative earnings next year, which makes the Forward Price/Earnings Ratio negative.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 34.57 | ||
| Fwd PE | N/A |
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 a bit cheaper than 77.23% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.66 | ||
| EV/EBITDA | 17.54 |
4.3 Compensation for Growth
PAYS's earnings are expected to decrease with -41.42% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-41.42%
EPS Next 3YN/A
5. Dividend
5.1 Amount
PAYS does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NASDAQ:PAYS (5/6/2025, 10:34:44 AM)
2.42
-0.07 (-2.81%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners35.93%
Inst Owner Change-0.12%
Ins Owners20.19%
Ins Owner Change-5.54%
Market Cap130.07M
Analysts85.45
Price Target6.17 (154.96%)
Short Float %1.64%
Short Ratio2.09
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)96.08%
Min EPS beat(2)-1.96%
Max EPS beat(2)194.12%
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
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)0.08%
Min Revenue beat(2)-0.74%
Max Revenue beat(2)0.91%
Revenue beat(4)3
Avg Revenue beat(4)1.22%
Min Revenue beat(4)-0.74%
Max Revenue beat(4)4.35%
Revenue beat(8)6
Avg Revenue beat(8)2.12%
Revenue beat(12)7
Avg Revenue beat(12)1.04%
Revenue beat(16)7
Avg Revenue beat(16)-0.79%
PT rev (1m)0%
PT rev (3m)-9.02%
EPS NQ rev (1m)100%
EPS NQ rev (3m)100%
EPS NY rev (1m)-109.69%
EPS NY rev (3m)-109.69%
Revenue NQ rev (1m)8.54%
Revenue NQ rev (3m)14.72%
Revenue NY rev (1m)0%
Revenue NY rev (3m)5.4%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 34.57 | ||
| Fwd PE | N/A | ||
| P/S | 2.23 | ||
| P/FCF | 9.66 | ||
| P/OCF | 5.67 | ||
| P/B | 4.27 | ||
| P/tB | 7.15 | ||
| EV/EBITDA | 17.54 |
EPS(TTM)0.07
EY2.89%
EPS(NY)-0.01
Fwd EYN/A
FCF(TTM)0.25
FCFY10.35%
OCF(TTM)0.43
OCFY17.64%
SpS1.09
BVpS0.57
TBVpS0.34
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 2.13% | ||
| ROE | 12.54% | ||
| ROCE | 3.1% | ||
| ROIC | 2.45% | ||
| ROICexc | 3.64% | ||
| ROICexgc | 8.14% | ||
| OM | 1.75% | ||
| PM (TTM) | 6.54% | ||
| GM | 55.15% | ||
| FCFM | 23.05% |
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
ROICexcg growth 3YN/A
ROICexcg 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-Score8
Asset Turnover0.33
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | 0 | ||
| Cap/Depr | 158.28% | ||
| Cap/Sales | 16.25% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 327.05% | ||
| Profit Quality | 352.69% | ||
| Current Ratio | 1.09 | ||
| Quick Ratio | 1.09 | ||
| Altman-Z | 1.03 |
F-Score8
WACC9.48%
ROIC/WACC0.26
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)40%
EPS 3YN/A
EPS 5Y-18.1%
EPS Q2Q%-33.33%
EPS Next Y-118.21%
EPS Next 2Y-41.42%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)23.51%
Revenue growth 3Y25.61%
Revenue growth 5Y10.99%
Sales Q2Q%14%
Revenue Next Year19.24%
Revenue Next 2Y16.41%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y708.04%
EBIT growth 3YN/A
EBIT growth 5Y-30.05%
EBIT Next Year1216.68%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-34.58%
FCF growth 3Y2.36%
FCF growth 5Y-0.02%
OCF growth 1Y-16.92%
OCF growth 3Y14.64%
OCF growth 5Y6.55%