(PAYS) Paysign - Overview
Sector: Technology | Industry: Software - Infrastructure | Exchange: NASDAQ (USA) | Market Cap: 406m USD | Total Return: 75.7% in 12m
Avg Turnover: 4.13M
EPS Trend: 96.2%
Qual. Beats: 1
Rev. Trend: 99.3%
Qual. Beats: 5
Warnings
No concerns identified
Tailwinds
Rs Leader, Idiosyncratic Leader, Pead, Tailwind, Pullback 52w, Confidence
Paysign, Inc. (PAYS) offers prepaid card programs, digital banking, and payment processing. The companys services include corporate rewards, gift cards, general-purpose reloadable debit cards, and solutions for healthcare reimbursement and pharmaceutical payment assistance. This business model relies on transaction fees and program management fees.
Paysign also provides a customer service center and a communication suite encompassing kiosks, mobile apps, and web portals. Their prepaid card solutions are marketed under the Paysign brand. The company serves businesses and municipalities needing payment solutions for various disbursements. The prepaid card market is experiencing growth driven by increased demand for digital payment solutions and financial inclusion.
For more detailed financial analysis, consider exploring ValueRays comprehensive reports.
- Clinical trial patient compensation drives revenue growth
- Pharmaceutical payment assistance program adoption boosts income
- General-purpose reloadable card usage impacts transaction volume
- Regulatory changes in prepaid card industry pose compliance risks
- Healthcare sector spending influences demand for payment solutions
| Net Income: 10.4m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.22 > 0.02 and ΔFCF/TA 22.85 > 1.0 |
| NWC/Revenue: 31.97% < 20% (prev 17.99%; Δ 13.99% < -1%) |
| CFO/TA 0.25 > 3% & CFO 77.3m > Net Income 10.4m |
| Net Debt (-14.6m) to EBITDA (21.3m): -0.69 < 3 |
| Current Ratio: 1.12 > 1.5 & < 3 |
| Outstanding Shares: last quarter (61.0m) vs 12m ago 10.66% < -2% |
| Gross Margin: 55.10% > 18% (prev 0.58%; Δ 5.45k% > 0.5%) |
| Asset Turnover: 35.33% > 50% (prev 31.10%; Δ 4.23% > 0%) |
| Interest Coverage Ratio: error (cannot be calculated; needs correct EBITDA TTM and Interest Expense TTM) |
| A: 0.09 (Total Current Assets 277.4m - Total Current Liabilities 248.1m) / Total Assets 312.7m |
| B: 0.07 (Retained Earnings 20.5m / Total Assets 312.7m) |
| C: 0.05 (EBIT TTM 12.2m / Avg Total Assets 258.9m) |
| D: 0.08 (Book Value of Equity 20.6m / Total Liabilities 257.7m) |
| Altman-Z'' = 1.23 = BB |
| DSRI: 1.24 (Receivables 94.6m/53.3m, Revenue 91.5m/63.8m) |
| GMI: 1.05 (GM 55.10% / 57.92%) |
| AQI: 0.53 (AQ_t 0.09 / AQ_t-1 0.17) |
| SGI: 1.43 (Revenue 91.5m / 63.8m) |
| TATA: -0.21 (NI 10.4m - CFO 77.3m) / TA 312.7m) |
| Beneish M = -2.97 (Cap -4..+1) = A |
As of June 02, 2026, the stock is trading at USD 7.75 with a total of 1,716,320 shares traded.
Over the past week, the price has changed by +15.33%,
over one month by +12.97%,
over three months by +113.50% and
over the past year by +75.74%.
Paysign has received a consensus analysts rating of 4.60. Therefore, it is recommended to buy PAYS.
- StrongBuy: 3
- Buy: 2
- Hold: 0
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 10 | 28.4% |
P/E Trailing = 42.7647
P/E Forward = 30.303
P/S = 4.4434
P/B = 7.3879
Revenue TTM = 91.5m USD
EBIT TTM = 12.2m USD
EBITDA TTM = 21.3m USD
Long Term Debt = 5.05m USD (estimated: total debt 5.92m - short term 871k)
Short Term Debt = 871k USD (from shortTermDebt, last quarter)
Debt = 5.92m USD (from shortLongTermDebtTotal, last quarter) (leases 5.92m already included)
Net Debt = -14.6m USD (calculated: Debt 5.92m - CCE 20.5m)
Enterprise Value = 391.8m USD (406.4m + Debt 5.92m - CCE 20.5m)
Interest Coverage Ratio = unknown (Ebit TTM 12.2m / Interest Expense TTM 0.0)
EV/FCF = 5.60x (Enterprise Value 391.8m / FCF TTM 69.9m)
FCF Yield = 17.85% (FCF TTM 69.9m / Enterprise Value 391.8m)
FCF Margin = 76.47% (FCF TTM 69.9m / Revenue TTM 91.5m)
Net Margin = 11.37% (Net Income TTM 10.4m / Revenue TTM 91.5m)
Gross Margin = 55.10% ((Revenue TTM 91.5m - Cost of Revenue TTM 41.1m) / Revenue TTM)
Gross Margin QoQ = 55.58% (prev 47.96%)
Tobins Q-Ratio = 1.25 (Enterprise Value 391.8m / Total Assets 312.7m)
Interest Expense / Debt = 0.0% (Interest Expense 0.0 / Debt 5.92m)
Taxrate = 27.18% (2.03m / 7.47m)
NOPAT = 8.89m (EBIT 12.2m * (1 - 27.18%))
Current Ratio = 1.12 (Total Current Assets 277.4m / Total Current Liabilities 248.1m)
Debt / Equity = 0.11 (Debt 5.92m / totalStockholderEquity, last quarter 55.0m)
Debt / EBITDA = -0.69 (Net Debt -14.6m / EBITDA 21.3m)
Debt / FCF = -0.21 (Net Debt -14.6m / FCF TTM 69.9m)
Total Stockholder Equity = 47.9m (last 4 quarters mean from totalStockholderEquity)
RoA = 4.02% (Net Income 10.4m / Total Assets 312.7m)
RoE = 21.74% (Net Income TTM 10.4m / Total Stockholder Equity 47.9m)
RoCE = 23.07% (EBIT 12.2m / Capital Employed (Equity 47.9m + L.T.Debt 5.05m))
RoIC = 19.78% (NOPAT 8.89m / Invested Capital 44.9m)
WACC = 12.69% (E(406.4m)/V(412.4m) * Re(12.87%) + D(5.92m)/V(412.4m) * Rd(0.0%) * (1-Tc(0.27)))
Discount Rate = 12.87% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 72.17 | Cagr: 5.57%
[DCF] Terminal Value 61.83% ; FCFF base≈69.9m ; Y1≈70.2m ; Y5≈74.4m
[DCF] Fair Price = 12.18 (EV 666.4m - Net Debt -14.6m = Equity 681.0m / Shares 55.9m; r=12.69% [WACC]; 5y FCF grow 0.0% → 2.50% )
EPS Correlation: 96.18 | EPS CAGR: 98.10% | SUE: 4.0 | # QB: 1
Revenue Correlation: 99.26 | Revenue CAGR: 31.06% | SUE: 1.95 | # QB: 5
EPS current Quarter (2026-06-30): EPS=0.08 | Chg30d=+6.67% | Revisions=+0% | Analysts=3
EPS next Quarter (2026-09-30): EPS=0.07 | Chg30d=+4.71% | Revisions=+43% | Analysts=3
EPS current Year (2026-12-31): EPS=0.33 | Chg30d=+8.20% | Revisions=+14% | GrowthEPS=+153.8% | GrowthRev=+32.3%
EPS next Year (2027-12-31): EPS=0.44 | Chg30d=+12.70% | Revisions=+14% | GrowthEPS=+32.3% | GrowthRev=+15.2%
[Analyst] Revisions Ratio: +43%