PAYS Stock Analysis: Paysign | NASDAQ
Software - Infrastructure | NASDAQ, USA | Market Cap: 854m USD | 12M Return: 200% | US70451A1043 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 12.1M
EPS Trend: 96.2%
Qual. Beats: -1
Rev. Trend: 99.2%
Qual. Beats: 6
Warnings
No concerns identified
Tailwinds
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Paysign, Inc. is a U.S.-based payments technology company that delivers prepaid card programs, patient affordability solutions, digital banking services, life science software technology, and integrated payment processing for businesses, consumers, and government institutions. Its offerings span corporate rewards, prepaid gift cards, general-purpose reloadable debit cards, employee incentives, consumer rebates, donor compensation, clinical trial payments, healthcare reimbursement disbursements, and pharmaceutical patient assistance programs, along with demand deposit accounts accessible via debit card.
In addition to its core financial products, the company operates an in-house customer service center and a communication suite that includes a mobile app, two-way SMS, text alerts, and a cardholder web portal. The company markets its prepaid card solutions under the Paysign brand and serves corporations and municipalities needing payment solutions for rewards, rebates, payment assistance, and similar use cases. Paysign was founded in 2001 and is headquartered in Henderson, Nevada.
The company operates at the intersection of the fintech and healthcare payments sectors, combining regulated prepaid card issuing with specialized pharmaceutical and clinical trial payment services. Its diversified revenue model spans program management fees, cardholder transaction revenue, software licensing, and banking-related services, which allows it to monetize multiple touchpoints across both consumer and business relationships.
- Pharma copay assistance segment revenue accelerates
- Plasma donor payment volumes expand with center growth
- Digital banking deposits scale higher-margin recurring revenue
| Net Income: 15.8m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.21 > 0.02 and ΔFCF/TA 30.12 > 1.0 |
| NWC/Revenue: 34.36% < 20% (prev 22.46%; Δ 11.90% < -1%) |
| CFO/TA 0.22 > 3% & CFO 71.3m > Net Income 15.8m |
| Net Debt (-21.7m) to EBITDA (29.5m): -0.73 < 3 |
| Current Ratio: 1.14 > 1.5 & < 3 |
| Outstanding Shares: last quarter (62.0m) vs 12m ago 7.09% < -2% |
| Gross Margin: 56.18% > 18% (prev 59.99%; Δ -3.81% > 0.5%) |
| Asset Turnover: 39.40% > 50% (prev 35.35%; Δ 4.05% > 0%) |
| Interest Coverage Ratio: error (cannot be calculated; needs correct EBIT TTM and Interest Expense TTM) |
| A: 0.11 (Total Current Assets 283.0m - Total Current Liabilities 248.4m) / Total Assets 317.0m |
| B: 0.09 (Retained Earnings 27.3m / Total Assets 317.0m) |
| C: 0.08 (EBIT TTM 20.1m / Avg Total Assets 255.4m) |
| D: 0.23 (Book Value of Equity 60.2m / Total Liabilities 256.8m) |
| Altman-Z'' = 1.77 = BBB |
| DSRI: 1.71 (Receivables 103.5m/41.3m, Revenue 100.6m/68.5m) |
| GMI: 1.07 (GM 59.99% / 56.18%) |
| AQI: 0.52 (AQ_t 0.08 / AQ_t-1 0.16) |
| SGI: 1.47 (Revenue 100.6m / 68.5m) |
| TATA: -0.18 (NI 15.8m - CFO 71.3m) / TA 317.0m) |
| Beneish M = -2.35 (Cap -4..+1) = BBB |
As of November 05, 2026, the stock is trading at USD 15.30 with a total of 932,099 shares traded. Over the past week, the price has changed by +9.52%, over one month by +3.31%, over three months by +64.87% and over the past year by +200.00%.
Current recommended Stop Loss: 13.30 (which is 13.1% or 2.4 ATR below the current price).
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 | 14.1 | -7.8% |
P/E Trailing = 56.037
P/E Forward = 33.4448
P/S = 8.4882
P/B = 13.4875
Revenue TTM = 100.6m USD
EBIT TTM = 20.1m USD
EBITDA TTM = 29.5m USD
Long Term Debt = 4.82m USD (estimated: total debt 5.71m - short term 891k)
Short Term Debt = 891k USD (from shortTermDebt, last quarter)
Debt = 5.71m USD (from shortLongTermDebtTotal, last quarter) (leases 5.71m already included)
Net Debt = -21.7m USD (calculated: Debt 5.71m - CCE 27.4m)
Enterprise Value = 832.6m USD (854.3m + Debt 5.71m - CCE 27.4m)
Interest Coverage Ratio = unknown (Ebit TTM 20.1m / Interest Expense TTM 0.0)
EV/FCF = 12.41x (Enterprise Value 832.6m / FCF TTM 67.1m)
FCF Yield = 8.06% (FCF TTM 67.1m / Enterprise Value 832.6m)
FCF Margin = 66.68% (FCF TTM 67.1m / Revenue TTM 100.6m)
Net Margin = 15.67% (Net Income TTM 15.8m / Revenue TTM 100.6m)
Gross Margin = 56.18% ((Revenue TTM 100.6m - Cost of Revenue TTM 44.1m) / Revenue TTM)
Gross Margin QoQ = 63.35% (prev 55.58%)
Tobins Q-Ratio = 2.63 (Enterprise Value 832.6m / Total Assets 317.0m)
Interest Expense / Debt = 0.0% (Interest Expense 0.0 / Debt 5.71m)
Taxrate = 21.58% (4.34m / 20.1m)
NOPAT = 15.8m (EBIT 20.1m * (1 - 21.58%))
Current Ratio = 1.14 (Total Current Assets 283.0m / Total Current Liabilities 248.4m)
Debt / Equity = 0.09 (Debt 5.71m / totalStockholderEquity, last quarter 60.2m)
Debt / EBITDA = -0.73 (Net Debt -21.7m / EBITDA 29.5m)
Debt / FCF = -0.32 (Net Debt -21.7m / FCF TTM 67.1m)
Total Stockholder Equity = 52.4m (last 4 quarters mean from totalStockholderEquity)
RoA = 6.17% (Net Income 15.8m / Total Assets 317.0m)
RoE = 30.13% (Net Income TTM 15.8m / Total Stockholder Equity 52.4m)
RoCE = 35.18% (EBIT 20.1m / Capital Employed (Equity 52.4m + L.T.Debt 4.82m))
RoIC = 24.49% (NOPAT 15.8m / Invested Capital 64.4m)
WACC = 11.72% (E(854.3m)/V(860.0m) * Re(11.80%) + D(5.71m)/V(860.0m) * Rd(0.0%) * (1-Tc(0.22)))
Discount Rate = 11.80% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 89.69 | Cagr: 5.65%
[DCF] Terminal Value 64.58% ; FCFF base≈67.1m ; Y1≈67.4m ; Y5≈71.4m
[DCF] Fair Price = 12.88 (EV 705.8m - Net Debt -21.7m = Equity 727.5m / Shares 56.5m; r=11.72% [WACC]; 5y FCF grow 0.0% → 2.50% )
EPS Correlation: 96.25 | EPS CAGR: 96.74% | SUE: -1.27 | # QB: -1
Revenue Correlation: 99.18 | Revenue CAGR: 33.67% | SUE: 2.78 | # QB: 6
EPS current Quarter (2026-09-30): EPS=0.13 | Chg30d=+0.00% | Revisions=+40% | Analysts=2
EPS current Year (2026-12-31): EPS=0.49 | Chg30d=+0.00% | Revisions=+40% | GrowthEPS=+276.9% | GrowthRev=+39.8%
EPS next Year (2027-12-31): EPS=0.61 | Chg30d=+1.65% | Revisions=+25% | GrowthEPS=+25.5% | GrowthRev=+16.6%
[Analyst] Revisions Ratio: +62% (up=5, down=0)