PAYSAFE LTD (PSFE) Fundamental Analysis & Valuation

NYSE:PSFE • BMG6964L2062

7.55 USD
-0.16 (-2.08%)
At close: Mar 6, 2026
7.55 USD
0 (0%)
After Hours: 3/6/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

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

Fundamental Rating

3

Taking everything into account, PSFE scores 3 out of 10 in our fundamental rating. PSFE was compared to 97 industry peers in the Financial Services industry. Both the profitability and financial health of PSFE have multiple concerns. PSFE has a bad growth rate and is valued cheaply.


Dividend Valuation Growth Profitability Health

3

1. PSFE Profitability Analysis

1.1 Basic Checks

  • In the past year PSFE was profitable.
  • 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 4 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

  • PSFE has a worse Return On Assets (-2.64%) than 81.44% of its industry peers.
  • The Return On Equity of PSFE (-17.42%) is worse than 79.38% of its industry peers.
  • PSFE has a Return On Invested Capital (3.11%) which is in line with its industry peers.
  • PSFE had an Average Return On Invested Capital over the past 3 years of 2.93%. This is significantly below the industry average of 8.35%.
  • The last Return On Invested Capital (3.11%) for PSFE is above the 3 year average (2.93%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA -2.64%
ROE -17.42%
ROIC 3.11%
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 7.77%. This is comparable to the rest of the industry: PSFE outperforms 41.24% of its industry peers.
  • PSFE's Operating Margin has declined in the last couple of years.
  • With a decent Gross Margin value of 56.58%, PSFE is doing good in the industry, outperforming 71.13% of the companies in the same industry.
  • PSFE's Gross Margin has declined in the last couple of years.
Industry RankSector Rank
OM 7.77%
PM (TTM) N/A
GM 56.58%
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

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. PSFE Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so PSFE is destroying value.
  • There is no outstanding debt for PSFE. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
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 -0.13. This is a bad value and indicates that PSFE is not financially healthy and even has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of -0.13, PSFE is doing worse than 62.89% of the companies in the same industry.
  • PSFE has a debt to FCF ratio of 23.41. This is a negative value and a sign of low solvency as PSFE would need 23.41 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 23.41, PSFE is doing worse than 60.82% of the companies in the same industry.
  • A Debt/Equity ratio of 3.50 is on the high side and indicates that PSFE has dependencies on debt financing.
  • PSFE's Debt to Equity ratio of 3.50 is on the low side compared to the rest of the industry. PSFE is outperformed by 76.29% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.5
Debt/FCF 23.41
Altman-Z -0.13
ROIC/WACC0.47
WACC6.62%
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

  • PSFE has a Current Ratio of 1.18. This is a normal value and indicates that PSFE is financially healthy and should not expect problems in meeting its short term obligations.
  • PSFE has a Current ratio of 1.18. This is in the better half of the industry: PSFE outperforms 60.82% of its industry peers.
  • PSFE has a Quick Ratio of 1.18. This is a normal value and indicates that PSFE is financially healthy and should not expect problems in meeting its short term obligations.
  • Looking at the Quick ratio, with a value of 1.18, PSFE is in the better half of the industry, outperforming 62.89% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.18
Quick Ratio 1.18
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

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

3

3. PSFE Growth Analysis

3.1 Past

  • PSFE shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 444.44%, which is quite impressive.
EPS 1Y (TTM)444.44%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-14.81%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%4.35%

3.2 Future

  • The Earnings Per Share is expected to grow by 20.14% on average over the next years. This is a very strong growth
  • The Revenue is expected to grow by 6.03% on average over the next years.
EPS Next Y19.48%
EPS Next 2Y20.14%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.21%
Revenue Next 2Y6.03%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

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

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Find the best growth stocksShow best growing peers

9

4. PSFE Valuation Analysis

4.1 Price/Earnings Ratio

  • PSFE is valuated cheaply with a Price/Earnings ratio of 3.85.
  • Compared to the rest of the industry, the Price/Earnings ratio of PSFE indicates a rather cheap valuation: PSFE is cheaper than 95.88% of the companies listed in the same industry.
  • The average S&P500 Price/Earnings ratio is at 26.29. PSFE is valued rather cheaply when compared to this.
  • PSFE is valuated cheaply with a Price/Forward Earnings ratio of 3.22.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of PSFE indicates a rather cheap valuation: PSFE is cheaper than 97.94% of the companies listed in the same industry.
  • When comparing the Price/Forward Earnings ratio of PSFE to the average of the S&P500 Index (24.57), we can say PSFE is valued rather cheaply.
Industry RankSector Rank
PE 3.85
Fwd PE 3.22
PSFE Price Earnings VS Forward Price EarningsPSFE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, PSFE is valued cheaper than 95.88% of the companies in the same industry.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of PSFE indicates a rather cheap valuation: PSFE is cheaper than 96.91% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 4.07
EV/EBITDA 4.34
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.
  • PSFE's earnings are expected to grow with 20.14% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.2
PEG (5Y)N/A
EPS Next 2Y20.14%
EPS Next 3YN/A

More info and screens

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

0

5. PSFE Dividend Analysis

5.1 Amount

  • PSFE does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

PSFE Fundamentals: All Metrics, Ratios and Statistics

PAYSAFE LTD

NYSE:PSFE (3/6/2026, 8:04:00 PM)

After market: 7.55 0 (0%)

7.55

-0.16 (-2.08%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)03-03
Earnings (Next)N/A
Inst Owners31.51%
Inst Owner Change0%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap433.82M
Revenue(TTM)N/A
Net Income(TTM)-123.77M
Analysts53.33
Price Target9.08 (20.26%)
Short Float %9.17%
Short Ratio5.26
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)0
Avg EPS beat(2)-3.67%
Min EPS beat(2)-6.61%
Max EPS beat(2)-0.73%
EPS beat(4)1
Avg EPS beat(4)12.01%
Min EPS beat(4)-18.76%
Max EPS beat(4)74.15%
EPS beat(8)1
Avg EPS beat(8)-173.98%
EPS beat(12)1
Avg EPS beat(12)-195.96%
EPS beat(16)3
Avg EPS beat(16)-1410.04%
Revenue beat(2)0
Avg Revenue beat(2)-2.2%
Min Revenue beat(2)-3.23%
Max Revenue beat(2)-1.16%
Revenue beat(4)0
Avg Revenue beat(4)-2.85%
Min Revenue beat(4)-4.2%
Max Revenue beat(4)-1.16%
Revenue beat(8)2
Avg Revenue beat(8)-1.56%
Revenue beat(12)4
Avg Revenue beat(12)-1.18%
Revenue beat(16)7
Avg Revenue beat(16)-0.72%
PT rev (1m)-3.96%
PT rev (3m)-16.69%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.15%
EPS NY rev (1m)0%
EPS NY rev (3m)-22.99%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.03%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.25%
Valuation
Industry RankSector Rank
PE 3.85
Fwd PE 3.22
P/S 0.26
P/FCF 4.07
P/OCF 1.97
P/B 0.61
P/tB N/A
EV/EBITDA 4.34
EPS(TTM)1.96
EY25.96%
EPS(NY)2.34
Fwd EY31.02%
FCF(TTM)1.86
FCFY24.59%
OCF(TTM)3.83
OCFY50.74%
SpS29.29
BVpS12.36
TBVpS-39.56
PEG (NY)0.2
PEG (5Y)N/A
Graham Number23.35
Profitability
Industry RankSector Rank
ROA -2.64%
ROE -17.42%
ROCE 3.94%
ROIC 3.11%
ROICexc 4.84%
ROICexgc N/A
OM 7.77%
PM (TTM) N/A
GM 56.58%
FCFM 6.34%
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%
ROICexgc growth 3YN/A
ROICexgc 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-Score5
Asset Turnover0.36
Health
Industry RankSector Rank
Debt/Equity 3.5
Debt/FCF 23.41
Debt/EBITDA 6.16
Cap/Depr 41.58%
Cap/Sales 6.74%
Interest Coverage 0.97
Cash Conversion 54.53%
Profit Quality N/A
Current Ratio 1.18
Quick Ratio 1.18
Altman-Z -0.13
F-Score5
WACC6.62%
ROIC/WACC0.47
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)444.44%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-14.81%
EPS Next Y19.48%
EPS Next 2Y20.14%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%4.35%
Revenue Next Year6.21%
Revenue Next 2Y6.03%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-16.25%
EBIT growth 3Y20.15%
EBIT growth 5Y-5.55%
EBIT Next Year191.45%
EBIT Next 3Y50.38%
EBIT Next 5YN/A
FCF growth 1Y111.72%
FCF growth 3Y0.33%
FCF growth 5Y-8.23%
OCF growth 1Y127.37%
OCF growth 3Y4.17%
OCF growth 5Y-2.56%

PAYSAFE LTD / PSFE FAQ

What is the ChartMill fundamental rating of PAYSAFE LTD (PSFE) stock?

ChartMill assigns a fundamental rating of 3 / 10 to PSFE.


What is the valuation status of PAYSAFE LTD (PSFE) stock?

ChartMill assigns a valuation rating of 9 / 10 to PAYSAFE LTD (PSFE). This can be considered as Undervalued.


What is the profitability of PSFE stock?

PAYSAFE LTD (PSFE) has a profitability rating of 3 / 10.


Can you provide the financial health for PSFE stock?

The financial health rating of PAYSAFE LTD (PSFE) is 2 / 10.