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PAYSIGN INC (PAYS) Stock Fundamental Analysis

NASDAQ:PAYS - Nasdaq - US70451A1043 - Common Stock - Currency: USD

4.1312  -0.3 (-6.74%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to PAYS. PAYS was compared to 100 industry peers in the Financial Services industry. PAYS has an average financial health and profitability rating. While showing a medium growth rate, PAYS is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

PAYS had positive earnings in the past year.
In the past year PAYS had a positive cash flow from operations.
The reported net income has been mixed in the past 5 years: PAYS reported negative net income in multiple years.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10M 20M

1.2 Ratios

PAYS has a better Return On Assets (2.97%) than 65.00% of its industry peers.
PAYS has a Return On Equity of 15.51%. This is in the better half of the industry: PAYS outperforms 74.00% of its industry peers.
PAYS has a better Return On Invested Capital (6.02%) than 72.00% of its industry peers.
Industry RankSector Rank
ROA 2.97%
ROE 15.51%
ROIC 6.02%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -50 -100 -150

1.3 Margins

The Profit Margin of PAYS (9.55%) is comparable to the rest of the industry.
In the last couple of years the Profit Margin of PAYS has declined.
PAYS has a worse Operating Margin (5.91%) than 67.00% of its industry peers.
PAYS's Operating Margin has declined in the last couple of years.
With a decent Gross Margin value of 57.92%, PAYS is doing good in the industry, outperforming 75.00% of the companies in the same industry.
PAYS's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 5.91%
PM (TTM) 9.55%
GM 57.92%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 40

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5

2. Health

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.
PAYS has more shares outstanding than it did 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.
PAYS Yearly Shares OutstandingPAYS Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

2.2 Solvency

PAYS has an Altman-Z score of 1.38. This is a bad value and indicates that PAYS is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 1.38, PAYS is in the better half of the industry, outperforming 68.00% 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 N/A
Altman-Z 1.38
ROIC/WACC0.66
WACC9.11%
PAYS Yearly LT Debt VS Equity VS FCFPAYS Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10M 20M 30M

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.
PAYS has a Current ratio (1.07) which is comparable to the rest of the industry.
A Quick Ratio of 1.07 indicates that PAYS should not have too much problems paying its short term obligations.
PAYS has a Quick ratio (1.07) which is comparable to the rest of the industry.
Industry RankSector Rank
Current Ratio 1.07
Quick Ratio 1.07
PAYS Yearly Current Assets VS Current LiabilitesPAYS Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

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6

3. Growth

3.1 Past

PAYS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 83.33%, 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.
The Revenue has grown by 26.78% in the past year. This is a very strong growth!
The Revenue has been growing by 10.99% on average over the past years. This is quite good.
EPS 1Y (TTM)83.33%
EPS 3YN/A
EPS 5Y-18.1%
EPS Q2Q%400%
Revenue 1Y (TTM)26.78%
Revenue growth 3Y25.61%
Revenue growth 5Y10.99%
Sales Q2Q%41%

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.
Based on estimates for the next years, PAYS will show a quite strong growth in Revenue. The Revenue will grow by 18.96% on average per year.
EPS Next Y-70.86%
EPS Next 2Y-41.42%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year23.9%
Revenue Next 2Y18.96%
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.
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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 20M 40M 60M 80M
PAYS Yearly EPS VS EstimatesPAYS Yearly EPS VS EstimatesYearly EPS VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 0 0.05 -0.05 0.1 0.15

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0

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 37.56, which means the current valuation is very expensive for PAYS.
Based on the Price/Earnings ratio, PAYS is valued a bit more expensive than the industry average as 75.00% of the companies are valued more cheaply.
PAYS is valuated rather expensively when we compare the Price/Earnings ratio to 26.19, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 37.56
Fwd PE N/A
PAYS Price Earnings VS Forward Price EarningsPAYS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of PAYS is on the same level as its industry peers.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 22.7
PAYS Per share dataPAYS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 0.2 0.4 0.6 0.8 1

4.3 Compensation for Growth

A cheap valuation may be justified as PAYS's earnings are expected to decrease with -41.42% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-41.42%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

PAYS does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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PAYSIGN INC

NASDAQ:PAYS (5/30/2025, 9:44:49 AM)

4.1312

-0.3 (-6.74%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)05-08 2025-05-08/amc
Earnings (Next)07-29 2025-07-29
Inst Owners35.93%
Inst Owner Change-4.77%
Ins Owners20.19%
Ins Owner Change-4.94%
Market Cap223.99M
Analysts85.45
Price Target6.17 (49.35%)
Short Float %1.58%
Short Ratio2.4
Dividend
Industry RankSector 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)0%
PT rev (3m)-9.02%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)94.96%
EPS NY rev (1m)260%
EPS NY rev (3m)-84.5%
Revenue NQ rev (1m)5.71%
Revenue NQ rev (3m)14.47%
Revenue NY rev (1m)3.91%
Revenue NY rev (3m)9.52%
Valuation
Industry RankSector Rank
PE 37.56
Fwd PE N/A
P/S 3.51
P/FCF N/A
P/OCF 25.84
P/B 5.7
P/tB 26.02
EV/EBITDA 22.7
EPS(TTM)0.11
EY2.66%
EPS(NY)0
Fwd EYN/A
FCF(TTM)-0.02
FCFYN/A
OCF(TTM)0.16
OCFY3.87%
SpS1.18
BVpS0.72
TBVpS0.16
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 2.97%
ROE 15.51%
ROCE 7.62%
ROIC 6.02%
ROICexc 6.99%
ROICexgc 24.96%
OM 5.91%
PM (TTM) 9.55%
GM 57.92%
FCFM N/A
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 Turnover0.31
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Debt/EBITDA 0
Cap/Depr 148.39%
Cap/Sales 15.14%
Interest Coverage 250
Cash Conversion 84.34%
Profit Quality N/A
Current Ratio 1.07
Quick Ratio 1.07
Altman-Z 1.38
F-Score8
WACC9.11%
ROIC/WACC0.66
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)83.33%
EPS 3YN/A
EPS 5Y-18.1%
EPS Q2Q%400%
EPS Next Y-70.86%
EPS Next 2Y-41.42%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)26.78%
Revenue growth 3Y25.61%
Revenue growth 5Y10.99%
Sales Q2Q%41%
Revenue Next Year23.9%
Revenue Next 2Y18.96%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y1101.85%
EBIT growth 3YN/A
EBIT growth 5Y-30.05%
EBIT Next Year1541.31%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-105.4%
FCF growth 3Y2.36%
FCF growth 5Y-0.02%
OCF growth 1Y-62.97%
OCF growth 3Y14.64%
OCF growth 5Y6.55%