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PAYSAFE LTD (PSFE) Stock Fundamental Analysis

NYSE:PSFE - New York Stock Exchange, Inc. - BMG6964L2062 - Common Stock - Currency: USD

13.75  +0.21 (+1.55%)

After market: 14.02 +0.27 (+1.96%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to PSFE. PSFE was compared to 100 industry peers in the Financial Services industry. PSFE may be in some trouble as it scores bad on both profitability and health. A decent growth rate in combination with a cheap valuation! Better keep an eye on PSFE.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

PSFE had positive earnings in the past year.
In the past year PSFE had a positive cash flow from operations.
PSFE had negative earnings in 4 of the past 5 years.
PSFE had a positive operating cash flow in each of the past 5 years.
PSFE Yearly Net Income VS EBIT VS OCF VS FCFPSFE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2018 2019 2020 2021 2022 2023 2024 0 500M -500M -1B -1.5B

1.2 Ratios

With a Return On Assets value of -0.01%, PSFE is not doing good in the industry: 76.00% of the companies in the same industry are doing better.
With a Return On Equity value of -0.04%, PSFE is not doing good in the industry: 76.00% of the companies in the same industry are doing better.
PSFE has a Return On Invested Capital of 2.94%. This is comparable to the rest of the industry: PSFE outperforms 50.00% of its industry peers.
The Average Return On Invested Capital over the past 3 years for PSFE is significantly below the industry average of 11.85%.
The 3 year average ROIC (2.93%) for PSFE is below the current ROIC(2.94%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA -0.01%
ROE -0.04%
ROIC 2.94%
ROA(3y)-10.4%
ROA(5y)-6.89%
ROE(3y)-72.16%
ROE(5y)-45.48%
ROIC(3y)2.93%
ROIC(5y)2.43%
PSFE Yearly ROA, ROE, ROICPSFE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 2023 2024 0 -50 -100 -150 -200

1.3 Margins

PSFE has a Operating Margin of 7.39%. This is in the lower half of the industry: PSFE underperforms 64.00% of its industry peers.
PSFE's Operating Margin has declined in the last couple of years.
Looking at the Gross Margin, with a value of 57.37%, PSFE is in the better half of the industry, outperforming 72.00% of the companies in the same industry.
In the last couple of years the Gross Margin of PSFE has declined.
Industry RankSector Rank
OM 7.39%
PM (TTM) N/A
GM 57.37%
OM growth 3Y14.8%
OM growth 5Y-8.97%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-0.93%
GM growth 5Y-1.98%
PSFE Yearly Profit, Operating, Gross MarginsPSFE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 2023 2024 0 50 -50 -100

2

2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so PSFE is destroying value.
PSFE has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, PSFE has more shares outstanding
Compared to 1 year ago, PSFE has a worse debt to assets ratio.
PSFE Yearly Shares OutstandingPSFE Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 20M 40M 60M
PSFE Yearly Total Debt VS Total AssetsPSFE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2019 2020 2021 2022 2023 2024 2B 4B 6B

2.2 Solvency

PSFE has an Altman-Z score of -0.04. This is a bad value and indicates that PSFE is not financially healthy and even has some risk of bankruptcy.
PSFE's Altman-Z score of -0.04 is on the low side compared to the rest of the industry. PSFE is outperformed by 66.00% of its industry peers.
The Debt to FCF ratio of PSFE is 17.94, which is on the high side as it means it would take PSFE, 17.94 years of fcf income to pay off all of its debts.
PSFE has a Debt to FCF ratio (17.94) which is comparable to the rest of the industry.
A Debt/Equity ratio of 2.75 is on the high side and indicates that PSFE has dependencies on debt financing.
Looking at the Debt to Equity ratio, with a value of 2.75, PSFE is doing worse than 71.00% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 2.75
Debt/FCF 17.94
Altman-Z -0.04
ROIC/WACC0.38
WACC7.72%
PSFE Yearly LT Debt VS Equity VS FCFPSFE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2018 2019 2020 2021 2022 2023 2024 0 1B 2B 3B

2.3 Liquidity

A Current Ratio of 1.16 indicates that PSFE should not have too much problems paying its short term obligations.
PSFE has a Current ratio of 1.16. This is comparable to the rest of the industry: PSFE outperforms 58.00% of its industry peers.
A Quick Ratio of 1.16 indicates that PSFE should not have too much problems paying its short term obligations.
PSFE has a Quick ratio (1.16) which is comparable to the rest of the industry.
Industry RankSector Rank
Current Ratio 1.16
Quick Ratio 1.16
PSFE Yearly Current Assets VS Current LiabilitesPSFE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

4

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 395.45% over the past year.
PSFE shows a small growth in Revenue. In the last year, the Revenue has grown by 3.50%.
The Revenue has been growing slightly by 3.75% on average over the past years.
EPS 1Y (TTM)395.45%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%580%
Revenue 1Y (TTM)3.5%
Revenue growth 3Y4.66%
Revenue growth 5Y3.75%
Sales Q2Q%-4.01%

3.2 Future

The Earnings Per Share is expected to grow by 106.55% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 2.94% on average over the next years.
EPS Next Y573.61%
EPS Next 2Y191.06%
EPS Next 3Y106.55%
EPS Next 5YN/A
Revenue Next Year0.46%
Revenue Next 2Y3.57%
Revenue Next 3Y2.94%
Revenue Next 5YN/A

3.3 Evolution

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
PSFE Yearly Revenue VS EstimatesPSFE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 500M 1B 1.5B
PSFE Yearly EPS VS EstimatesPSFE Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 0 -10 -20 -30

8

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 21.15 indicates a rather expensive valuation of PSFE.
PSFE's Price/Earnings ratio is in line with the industry average.
PSFE's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 28.04.
The Price/Forward Earnings ratio is 4.51, which indicates a rather cheap valuation of PSFE.
PSFE's Price/Forward Earnings ratio is rather cheap when compared to the industry. PSFE is cheaper than 91.00% of the companies in the same industry.
PSFE's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 37.64.
Industry RankSector Rank
PE 21.15
Fwd PE 4.51
PSFE Price Earnings VS Forward Price EarningsPSFE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, PSFE is valued cheaply inside the industry as 93.00% of the companies are valued more expensively.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of PSFE indicates a rather cheap valuation: PSFE is cheaper than 92.00% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 6.14
EV/EBITDA 5
PSFE Per share dataPSFE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 -20

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.
A more expensive valuation may be justified as PSFE's earnings are expected to grow with 106.55% in the coming years.
PEG (NY)0.04
PEG (5Y)N/A
EPS Next 2Y191.06%
EPS Next 3Y106.55%

0

5. Dividend

5.1 Amount

No dividends for PSFE!.
Industry RankSector Rank
Dividend Yield N/A

PAYSAFE LTD

NYSE:PSFE (7/25/2025, 8:18:14 PM)

After market: 14.02 +0.27 (+1.96%)

13.75

+0.21 (+1.55%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)05-13 2025-05-13/bmo
Earnings (Next)08-13 2025-08-13/bmo
Inst Owners40.93%
Inst Owner Change0%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap815.79M
Analysts53.33
Price Target16.2 (17.82%)
Short Float %5.63%
Short Ratio3.97
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)27.7%
Min EPS beat(2)-18.76%
Max EPS beat(2)74.15%
EPS beat(4)1
Avg EPS beat(4)-277.41%
Min EPS beat(4)-1035.83%
Max EPS beat(4)74.15%
EPS beat(8)1
Avg EPS beat(8)-210.25%
EPS beat(12)2
Avg EPS beat(12)-179.77%
EPS beat(16)4
Avg EPS beat(16)-1454.17%
Revenue beat(2)0
Avg Revenue beat(2)-3.51%
Min Revenue beat(2)-4.2%
Max Revenue beat(2)-2.82%
Revenue beat(4)1
Avg Revenue beat(4)-1.66%
Min Revenue beat(4)-4.2%
Max Revenue beat(4)1.4%
Revenue beat(8)3
Avg Revenue beat(8)-1.3%
Revenue beat(12)5
Avg Revenue beat(12)-0.76%
Revenue beat(16)7
Avg Revenue beat(16)-0.87%
PT rev (1m)0%
PT rev (3m)-12.57%
EPS NQ rev (1m)-2.75%
EPS NQ rev (3m)-18.88%
EPS NY rev (1m)-0.83%
EPS NY rev (3m)-2.24%
Revenue NQ rev (1m)0.09%
Revenue NQ rev (3m)-0.72%
Revenue NY rev (1m)0.17%
Revenue NY rev (3m)0.23%
Valuation
Industry RankSector Rank
PE 21.15
Fwd PE 4.51
P/S 0.48
P/FCF 6.14
P/OCF 3.3
P/B 0.95
P/tB N/A
EV/EBITDA 5
EPS(TTM)0.65
EY4.73%
EPS(NY)3.05
Fwd EY22.18%
FCF(TTM)2.24
FCFY16.3%
OCF(TTM)4.17
OCFY30.33%
SpS28.45
BVpS14.53
TBVpS-35.32
PEG (NY)0.04
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -0.01%
ROE -0.04%
ROCE 3.72%
ROIC 2.94%
ROICexc 4.55%
ROICexgc N/A
OM 7.39%
PM (TTM) N/A
GM 57.37%
FCFM 7.87%
ROA(3y)-10.4%
ROA(5y)-6.89%
ROE(3y)-72.16%
ROE(5y)-45.48%
ROIC(3y)2.93%
ROIC(5y)2.43%
ROICexc(3y)5.35%
ROICexc(5y)4.21%
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)3.7%
ROCE(5y)3.07%
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3Y45.09%
ROICexc growth 5Y9.54%
OM growth 3Y14.8%
OM growth 5Y-8.97%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-0.93%
GM growth 5Y-1.98%
F-Score6
Asset Turnover0.36
Health
Industry RankSector Rank
Debt/Equity 2.75
Debt/FCF 17.94
Debt/EBITDA 5.94
Cap/Depr 41.67%
Cap/Sales 6.78%
Interest Coverage 0.86
Cash Conversion 61.94%
Profit Quality N/A
Current Ratio 1.16
Quick Ratio 1.16
Altman-Z -0.04
F-Score6
WACC7.72%
ROIC/WACC0.38
Cap/Depr(3y)38.14%
Cap/Depr(5y)34.21%
Cap/Sales(3y)6.4%
Cap/Sales(5y)5.89%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)395.45%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%580%
EPS Next Y573.61%
EPS Next 2Y191.06%
EPS Next 3Y106.55%
EPS Next 5YN/A
Revenue 1Y (TTM)3.5%
Revenue growth 3Y4.66%
Revenue growth 5Y3.75%
Sales Q2Q%-4.01%
Revenue Next Year0.46%
Revenue Next 2Y3.57%
Revenue Next 3Y2.94%
Revenue Next 5YN/A
EBIT growth 1Y-23.77%
EBIT growth 3Y20.15%
EBIT growth 5Y-5.55%
EBIT Next Year217.95%
EBIT Next 3Y51.64%
EBIT Next 5YN/A
FCF growth 1Y-32.83%
FCF growth 3Y0.33%
FCF growth 5Y-8.23%
OCF growth 1Y-17.87%
OCF growth 3Y4.17%
OCF growth 5Y-2.56%