(PSQH) PSQ Holdings - Ratings and Ratios
Marketplace, Brands, Financial, Technology
Description: PSQH PSQ Holdings October 19, 2025
PSQ Holdings Inc. (NYSE: PSQH) runs a U.S.-focused online marketplace that combines advertising, e-commerce, and fintech services. Its operations are organized into three segments: (1) Marketplace – a consumer-facing platform accessed via mobile app and website; (2) Brands – a private-label line sold under the “EveryLife” name that includes diapers, wipes, training pants, soaps, and lotions; and (3) Financial Technology – a point-of-sale “buy-now-pay-later” (BNPL) solution and a payment-processing suite (PSQ Payments) for merchant partners.
Industry context: the U.S. BNPL market peaked at roughly $150 billion in 2023 but is now facing slower growth as credit conditions tighten and regulators increase scrutiny. Interactive Media & Services, the GICS sub-industry to which PSQH belongs, posted an average revenue-growth rate of about 8 % YoY in 2023, driven largely by higher digital ad spend and the continued shift to mobile commerce. PSQH’s own key performance indicators are not fully disclosed, but the latest quarterly filing (Q2 2024) suggested a user base of ~1.2 million active shoppers and an estimated average order value of $45, with a churn rate hovering around 12 % YoY.
Given the competitive BNPL landscape and the modest scale of its private-label brand line, PSQH’s upside hinges on expanding merchant adoption of its payments stack and improving customer retention. For a deeper, data-driven assessment of PSQH’s valuation and risk profile, the ValueRay platform offers granular metrics and scenario analysis worth exploring.
PSQH Stock Overview
| Market Cap in USD | 100m |
| Sub-Industry | Interactive Media & Services |
| IPO / Inception | 2021-07-07 |
PSQH Stock Ratings
| Growth Rating | -77.2% |
| Fundamental | 31.3% |
| Dividend Rating | - |
| Return 12m vs S&P 500 | -49.2% |
| Analyst Rating | 4.0 of 5 |
PSQH Dividends
Currently no dividends paidPSQH Growth Ratios
| Growth Correlation 3m | 52.7% |
| Growth Correlation 12m | -63.4% |
| Growth Correlation 5y | -72.5% |
| CAGR 5y | -44.03% |
| CAGR/Max DD 3y (Calmar Ratio) | -0.46 |
| CAGR/Mean DD 3y (Pain Ratio) | -0.66 |
| Sharpe Ratio 12m | -0.89 |
| Alpha | -78.10 |
| Beta | 0.000 |
| Volatility | 84.33% |
| Current Volume | 1426.7k |
| Average Volume 20d | 807.8k |
| Stop Loss | 1.6 (-8.6%) |
| Signal | -1.11 |
Piotroski VR‑10 (Strict, 0-10) 2.0
| Net Income (-46.7m TTM) > 0 and > 6% of Revenue (6% = 1.65m TTM) |
| FCFTA -0.51 (>2.0%) and ΔFCFTA 50.36pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 77.32% (prev 54.94%; Δ 22.38pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA -0.53 (>3.0%) and CFO -34.4m > Net Income -46.7m (YES >=105%, WARN >=100%) |
| NO Net Debt/EBITDA fails (EBITDA <= 0) |
| Current Ratio 2.97 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (45.3m) change vs 12m ago 44.16% (target <= -2.0% for YES) |
| Gross Margin 58.85% (prev 49.84%; Δ 9.02pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 49.91% (prev 31.58%; Δ 18.34pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio -12.89 (EBITDA TTM -38.4m / Interest Expense TTM 3.36m) >= 6 (WARN >= 3) |
Altman Z'' -12.98
| (A) 0.33 = (Total Current Assets 32.2m - Total Current Liabilities 10.9m) / Total Assets 65.5m |
| (B) -2.03 = Retained Earnings (Balance) -132.7m / Total Assets 65.5m |
| warn (B) unusual magnitude: -2.03 — check mapping/units |
| (C) -0.78 = EBIT TTM -43.3m / Avg Total Assets 55.3m |
| (D) -3.09 = Book Value of Equity -132.7m / Total Liabilities 43.0m |
| Total Rating: -12.98 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 31.29
| 1. Piotroski 2.0pt = -3.0 |
| 2. FCF Yield -31.07% = -5.0 |
| 3. FCF Margin data missing |
| 4. Debt/Equity 1.48 = 1.49 |
| 5. Debt/Ebitda -0.32 = -2.50 |
| 6. ROIC - WACC (= -94.47)% = -12.50 |
| 7. RoE -234.2% = -2.50 |
| 8. Rev. Trend 94.10% = 7.06 |
| 9. EPS Trend -35.09% = -1.75 |
What is the price of PSQH shares?
Over the past week, the price has changed by -12.50%, over one month by -25.21%, over three months by -14.22% and over the past year by -41.67%.
Is PSQ Holdings a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of PSQH is around 1.11 USD . This means that PSQH is currently overvalued and has a potential downside of -36.57%.
Is PSQH a buy, sell or hold?
- Strong Buy: 0
- Buy: 2
- Hold: 0
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the PSQH price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 3.8 | 114.3% |
| Analysts Target Price | 3.8 | 114.3% |
| ValueRay Target Price | 1.3 | -27.4% |
PSQH Fundamental Data Overview October 27, 2025
P/S = 3.6289
P/B = 3.9263
Beta = 0.0
Revenue TTM = 27.6m USD
EBIT TTM = -43.3m USD
EBITDA TTM = -38.4m USD
Long Term Debt = 28.4m USD (from longTermDebt, last quarter)
Short Term Debt = 4.53m USD (from shortTermDebt, last quarter)
Debt = 33.3m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 12.4m USD (from netDebt column, last quarter)
Enterprise Value = 108.4m USD (100.1m + Debt 33.3m - CCE 24.9m)
Interest Coverage Ratio = -12.89 (Ebit TTM -43.3m / Interest Expense TTM 3.36m)
FCF Yield = -31.07% (FCF TTM -33.7m / Enterprise Value 108.4m)
FCF Margin = -122.1% (FCF TTM -33.7m / Revenue TTM 27.6m)
Net Margin = -169.3% (Net Income TTM -46.7m / Revenue TTM 27.6m)
Gross Margin = 58.85% ((Revenue TTM 27.6m - Cost of Revenue TTM 11.3m) / Revenue TTM)
Gross Margin QoQ = 52.36% (prev 58.37%)
Tobins Q-Ratio = 1.66 (Enterprise Value 108.4m / Total Assets 65.5m)
Interest Expense / Debt = 2.61% (Interest Expense 868.5k / Debt 33.3m)
Taxrate = 0.00% (-63.0 / -8.37m)
NOPAT = -43.3m (EBIT -43.3m * (1 - 0.00%)) [loss with tax shield]
Current Ratio = 2.97 (Total Current Assets 32.2m / Total Current Liabilities 10.9m)
Debt / Equity = 1.48 (Debt 33.3m / totalStockholderEquity, last quarter 22.5m)
Debt / EBITDA = -0.32 (negative EBITDA) (Net Debt 12.4m / EBITDA -38.4m)
Debt / FCF = -0.37 (negative FCF - burning cash) (Net Debt 12.4m / FCF TTM -33.7m)
Total Stockholder Equity = 19.9m (last 4 quarters mean from totalStockholderEquity)
RoA = -71.33% (Net Income -46.7m / Total Assets 65.5m)
RoE = -234.2% (Net Income TTM -46.7m / Total Stockholder Equity 19.9m)
RoCE = -89.56% (EBIT -43.3m / Capital Employed (Equity 19.9m + L.T.Debt 28.4m))
RoIC = -83.28% (negative operating profit) (NOPAT -43.3m / Invested Capital 52.0m)
WACC = 11.20% (E(100.1m)/V(133.4m) * Re(14.05%) + D(33.3m)/V(133.4m) * Rd(2.61%) * (1-Tc(0.00)))
Discount Rate = 14.05% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 27.99%
Fair Price DCF = unknown (Cash Flow -33.7m)
EPS Correlation: -35.09 | EPS CAGR: -9.70% | SUE: -0.16 | # QB: 0
Revenue Correlation: 94.10 | Revenue CAGR: 334.5% | SUE: -3.46 | # QB: 0
Additional Sources for PSQH Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle