PAYSIGN INC (PAYS)
US70451A1043 - Common Stock
We assign a fundamental rating of 5 out of 10 to PAYS. PAYS was compared to 102 industry peers in the Financial Services industry. PAYS has an average financial health and profitability rating. PAYS shows excellent growth, but is valued quite expensive already. With these ratings, PAYS could be worth investigating further for growth investing!.
1. Profitability
1.1 Basic Checks
In the past year PAYS was profitable.
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.
In the past 5 years PAYS always reported a positive cash flow from operatings.
1.2 Ratios
PAYS has a better Return On Assets (4.41%) than 74.51% of its industry peers.
With an excellent Return On Equity value of 26.39%, PAYS belongs to the best of the industry, outperforming 88.24% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.41% | ||
| ROE | 26.39% | ||
| ROIC | N/A |
ROA(3y)0.71%
ROA(5y)0.51%
ROE(3y)3.92%
ROE(5y)-3.89%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of PAYS (13.67%) is better than 64.71% of its industry peers.
In the last couple of years the Profit Margin of PAYS has grown nicely.
The Gross Margin of PAYS (51.07%) is better than 70.59% of its industry peers.
PAYS's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 13.67% | ||
| GM | 51.07% |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5Y4.32%
GM growth 3Y9.81%
GM growth 5Y0.96%
2. Health
2.1 Basic Checks
PAYS does not have a ROIC to compare to the WACC, probably because it is not profitable.
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 1.61, we must say that PAYS is in the distress zone and has some risk of bankruptcy.
PAYS has a better Altman-Z score (1.61) than 69.61% 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | 1.61 |
ROIC/WACCN/A
WACC9.29%
2.3 Liquidity
A Current Ratio of 1.08 indicates that PAYS should not have too much problems paying its short term obligations.
PAYS has a Current ratio (1.08) which is in line with its industry peers.
PAYS has a Quick Ratio of 1.08. This is a normal value and indicates that PAYS is financially healthy and should not expect problems in meeting its short term obligations.
PAYS's Quick ratio of 1.08 is in line compared to the rest of the industry. PAYS outperforms 51.96% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.08 | ||
| Quick Ratio | 1.08 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 150.00% over the past year.
Measured over the past years, PAYS shows a quite strong growth in Earnings Per Share. The EPS has been growing by 18.99% on average per year.
PAYS shows a strong growth in Revenue. In the last year, the Revenue has grown by 24.26%.
Measured over the past years, PAYS shows a quite strong growth in Revenue. The Revenue has been growing by 15.08% on average per year.
EPS 1Y (TTM)150%
EPS 3YN/A
EPS 5Y18.99%
EPS growth Q2Q200%
Revenue 1Y (TTM)24.26%
Revenue growth 3Y25.15%
Revenue growth 5Y15.08%
Revenue growth Q2Q28.9%
3.2 Future
Based on estimates for the next years, PAYS will show a quite strong growth in Earnings Per Share. The EPS will grow by 19.50% on average per year.
PAYS is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 17.40% yearly.
EPS Next Y-4.79%
EPS Next 2Y19.5%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year21.27%
Revenue Next 2Y17.4%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 87.60, the valuation of PAYS can be described as expensive.
Based on the Price/Earnings ratio, PAYS is valued a bit more expensive than the industry average as 68.63% of the companies are valued more cheaply.
PAYS's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 25.20.
Based on the Price/Forward Earnings ratio of 92.01, the valuation of PAYS can be described as expensive.
73.53% of the companies in the same industry are cheaper than PAYS, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 21.63. PAYS is valued rather expensively when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 87.6 | ||
| Fwd PE | 92.01 |
4.2 Price Multiples
60.78% of the companies in the same industry are cheaper than PAYS, based on the Enterprise Value to EBITDA ratio.
Based on the Price/Free Cash Flow ratio, PAYS is valued a bit cheaper than 73.53% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.28 | ||
| EV/EBITDA | 57.37 |
4.3 Compensation for Growth
A more expensive valuation may be justified as PAYS's earnings are expected to grow with 19.50% in the coming years.
PEG (NY)N/A
PEG (5Y)4.61
EPS Next 2Y19.5%
EPS Next 3YN/A
5. Dividend
5.1 Amount
No dividends for PAYS!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
PAYSIGN INC
NASDAQ:PAYS (4/25/2024, 7:10:08 PM)
After market: 4.2606 -0.12 (-2.73%)4.38
-0.12 (-2.67%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap232.01M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
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EPS beat(4)
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EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
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Revenue beat(8)
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Revenue beat(12)
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Revenue beat(16)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
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Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 87.6 | ||
| Fwd PE | 92.01 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)4.61
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.41% | ||
| ROE | 26.39% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 13.67% | ||
| GM | 51.07% | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.32
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 1.08 | ||
| Quick Ratio | 1.08 | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)150%
EPS 3YN/A
EPS 5Y
EPS growth Q2Q
EPS Next Y-4.79%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)24.26%
Revenue growth 3Y25.15%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y