A Business at a Glance
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Paysign, Inc.
PAYS
$505M
Mkt Cap
$8.69
+3.58%
Paysign, Inc. (PAYS) has a current P/E ratio of 66.8, compared to its historical median P/E of 34.9. The stock is currently considered Expensive based on its historical valuation range.
Paysign, Inc. (PAYS) has a 5-year average return on invested capital (ROIC) of 2.3%. This is below average and may indicate limited pricing power.
Paysign, Inc. (PAYS) has a market capitalization of $505M. It is classified as a small-cap stock.
Paysign, Inc. (PAYS) does not currently pay a regular dividend. However, the company returns capital to shareholders through share buybacks, with a buyback yield of 0.07%.
Based on historical P/E analysis, Paysign, Inc. (PAYS) appears expensive. The current P/E of 66.8 is 91% above its historical median of 34.9. The estimated fair value CAGR (P/E method) is 6.6%.
Paysign, Inc. (PAYS) operates in the Services-Business Services, Nec industry, within the Industrials sector.
Paysign, Inc. (PAYS) reported annual revenue of $82 million in its most recent fiscal year, based on SEC EDGAR filings.
Paysign, Inc. (the “Company,” “Paysign,” “we” or “our”), headquartered in Nevada, was incorporated on August 24, 1995, and trades under the symbol PAYS on The Nasdaq Stock Market LLC. We are a vertically integrated provider of prepaid card products and processing services for corporate, consumer and government applications. Our payment solutions are utilized by our corporate customers as a means to increase customer loyalty, increase patient adherence rates, reduce administration costs and streamline operations. Public sector organizations can utilize our payment solutions to disburse public benefits or for internal payments. We market our prepaid card solutions under our Paysign® brand. As we are a payment processor and prepaid card program manager, we derive our revenue from all stages of the prepaid card lifecycle. We operate on a powerful, high-availability payments platform with cutting-edge fintech capabilities that can be seamlessly integrated with our clients’ systems.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 82M | 82M | 58M | 47M | 38M | 29M |
| Net Income | 7.6M | 7.6M | 3.8M | 6.5M | 1.0M | -2.7M |
| EPS | $0.13 | $0.13 | $0.07 | $0.12 | $0.02 | $-0.05 |
| Free Cash Flow | 51M | 51M | 23M | 27M | 25M | 15M |
| ROIC | 2.0% | 14.0% | 13.9% | - | 2.1% | -20.8% |
| Gross Margin | 59.4% | 59.4% | 55.1% | 51.1% | 55.1% | 49.9% |
| Debt/Equity | 0.29 | 0.29 | 0.10 | 0.14 | 0.23 | 0.31 |
| Dividends/Share | $0.00 | $0.00 | - | - | - | - |
| Operating Income | 7.4M | 7.4M | 1.0M | - | 344K | -2.7M |
| Operating Margin | 9.0% | 9.0% | 1.7% | - | 0.9% | -9.3% |
| ROE | 15.6% | 19.1% | 13.9% | 31.7% | 7.0% | -20.8% |
| Shares Outstanding | 58M | 58M | 55M | 54M | 51M | 54M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 10M | 8.1M | 10M | 15M | 23M | 35M | 24M | 29M | 38M | 47M | 58M | 82M | 82M |
| Gross Margin | 54.8% | 50.4% | 43.6% | 44.0% | 48.7% | 55.5% | 38.6% | 49.9% | 55.1% | 51.1% | 55.1% | 59.4% | 59.4% |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 2.7M | 3.7M | 2.6M | 4.1M | 7.8M | 12M | 15M | 15M | 18M | 20M | 25M | 33M | 33M |
| EBIT | 2.8M | N/A | 1.4M | 1.8M | 2.5M | 6.1M | -8.3M | -2.7M | 344K | N/A | 1.0M | 7.4M | 7.4M |
| Op. Margin | 26.7% | N/A | 13.0% | 11.6% | 10.6% | 17.6% | -34.6% | -9.3% | 0.9% | N/A | 1.7% | 9.0% | 9.0% |
| Net Income | 2.6M | -2.4M | 1.4M | 1.8M | 2.6M | 7.5M | -9.1M | -2.7M | 1.0M | 6.5M | 3.8M | 7.6M | 7.6M |
| Net Margin | 25.4% | -29.7% | 13.4% | 11.8% | 11.0% | 21.5% | -37.9% | -9.2% | 2.7% | 13.7% | 6.5% | 9.2% | 9.2% |
| Non-Recurring | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 5K | 0 | 0 | 0 |
| Returns on Capital | |||||||||||||
| ROIC | 21.2% | N/A | 9.8% | 8.6% | 6.8% | 43.0% | -56.2% | -20.8% | 2.1% | N/A | 13.9% | 14.0% | 2.0% |
| ROE | 187.1% | -120.4% | 67.3% | 45.2% | 36.6% | 52.5% | -56.2% | -20.8% | 7.0% | 31.7% | 13.9% | 19.1% | 15.6% |
| ROA | 23.6% | -20.8% | 11.6% | 10.5% | 9.1% | 16.6% | -15.1% | -3.6% | 1.1% | 5.1% | 2.3% | 3.3% | 2.7% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 3.1M | -720K | 4.2M | 7.2M | 16M | 17M | 14M | 15M | 25M | 28M | 23M | 52M | 52M |
| Free Cash Flow | 2.9M | -858K | 4.1M | 6.4M | 16M | 16M | 12M | 15M | 25M | 27M | 23M | 51M | 51M |
| Owner Earnings | 2.3M | -1.3M | 3.5M | 6.0M | 14M | 13M | 8.7M | 10M | 20M | 21M | 14M | 40M | 40M |
| CapEx | 141K | 138K | 110K | 707K | 257K | 464K | 1.4M | 329K | 105K | 263K | 435K | 1.2M | 1.2M |
| Maint. CapEx | 172K | 363K | 572K | 876K | 1.1M | 1.5M | 2.1M | 2.5M | 2.9M | 4.0M | 6.0M | 8.3M | 8.3M |
| Growth CapEx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| D&A | 172K | 363K | 572K | 876K | 1.1M | 1.5M | 2.1M | 2.5M | 2.9M | 4.0M | 6.0M | 8.3M | 8.3M |
| CapEx/OCF | 4.6% | N/A | 2.6% | 9.9% | 1.6% | 2.8% | 10.0% | 2.2% | 0.4% | 1.0% | 1.9% | N/A | 2.3% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dividend Yield | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1.1M | 495K | 376K | 376K |
| Buyback Yield | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.8% | 0.3% | 0.0% | 0.1% |
| Stock-Based Comp | 601K | 203K | 93K | 309K | 1.4M | 2.5M | 3.0M | 2.3M | 2.3M | 2.9M | 2.6M | 4.3M | 4.3M |
| Debt Repayment | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Balance Sheet | |||||||||||||
| Net Debt | -7.1M | -6.9M | -9.9M | -14M | -26M | N/A | -3.5M | -3.4M | -86M | -106M | -119M | -151M | -151M |
| Cash & Equiv. | 7.8M | 7.1M | 10M | 14M | 26M | 46M | 7.8M | 7.4M | 90M | 109M | 122M | 165M | 165M |
| Long-Term Debt | 325K | 0 | 28K | 0 | 0 | N/A | N/A | N/A | N/A | N/A | 0 | 6.1M | 6.1M |
| Debt/Equity | 0.24 | 0.14 | 0.05 | 0.00 | 0.00 | 1.77 | 0.33 | 0.31 | 0.23 | 0.14 | 0.10 | 0.29 | 0.29 |
| Interest Coverage | 19.4 | N/A | 17.6 | 55.9 | 17.7 | N/A | N/A | -597.2 | 1558.1 | N/A | N/A | N/A | N/A |
| Equity | 2.7M | 1.3M | 2.9M | 5.0M | 9.1M | 19M | 13M | 13M | 16M | 24M | 30M | 48M | 48M |
| Total Assets | 13M | 10M | 14M | 20M | 36M | 54M | 68M | 84M | 108M | 147M | 179M | 276M | 276M |
| Total Liabilities | 10M | 9.1M | 11M | 16M | 27M | 34M | 55M | 71M | 92M | 122M | 149M | 228M | 228M |
| Intangibles | 766K | 1.3M | 1.6M | 1.6M | 2.1M | 3.8M | 3.7M | 4.1M | 5.7M | 8.8M | 12M | 22M | 22M |
| Retained Earnings | -2.8M | -5.2M | -3.8M | -2.0M | 580K | 8.1M | -1.1M | -3.8M | -2.7M | 3.7M | 7.5M | 15M | 15M |
| Working Capital | 1.8M | -20K | 868K | 2.3M | 5.9M | 14M | 7.4M | 6.9M | 9.1M | 10.0M | 13M | 24M | 24M |
| Current Assets | 12M | 8.7M | 12M | 18M | 33M | 48M | 58M | 74M | 98M | 129M | 159M | 240M | 240M |
| Current Liabilities | 10M | 8.7M | 11M | 16M | 27M | 34M | 51M | 67M | 89M | 119M | 146M | 216M | 216M |
| Per Share Data | |||||||||||||
| EPS | 0.06 | -0.06 | 0.03 | 0.04 | 0.05 | 0.14 | -0.19 | -0.05 | 0.02 | 0.12 | 0.07 | 0.13 | 0.13 |
| Owner EPS | 0.05 | -0.03 | 0.08 | 0.13 | 0.26 | 0.24 | 0.18 | 0.19 | 0.39 | 0.39 | 0.26 | 0.69 | 0.69 |
| Book Value | 0.06 | 0.03 | 0.06 | 0.11 | 0.18 | 0.36 | 0.28 | 0.24 | 0.32 | 0.45 | 0.56 | 0.83 | 0.83 |
| Cash Flow/Share | 0.07 | -0.02 | 0.09 | 0.16 | 0.31 | 0.31 | 0.29 | 0.28 | 0.49 | 0.51 | 0.42 | 0.90 | 0.27 |
| Dividends/Share | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.00 | 0.00 |
| Shares Out. | 43.5M | 42.5M | 46.7M | 44.8M | 51.8M | 53.2M | 48.1M | 54.4M | 51.4M | 53.8M | 54.5M | 58.1M | 58.1M |
| Valuation | |||||||||||||
| P/E Ratio | 4.3 | N/A | 10.7 | 18.0 | 67.0 | 71.4 | N/A | N/A | 112.0 | 23.2 | 46.7 | N/A | 66.8 |
| P/FCF | 3.8 | N/A | 3.6 | 5.0 | 11.0 | 32.7 | 18.6 | 5.5 | 4.6 | 5.5 | 7.9 | N/A | 9.9 |
| EV/EBIT | N/A | N/A | 3.7 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 48.1 |
| Price/Book | 4.1 | 7.7 | 5.2 | 6.4 | 19.1 | 27.2 | 17.4 | 6.3 | 7.1 | 6.1 | 5.9 | N/A | 10.4 |
| Price/Sales | 0.9 | 2.0 | 1.0 | 1.4 | 5.3 | 15.1 | 14.3 | 6.1 | 2.9 | 3.1 | 3.6 | N/A | 6.2 |
| FCF Yield | 26.0% | -8.7% | 27.4% | 20.0% | 9.1% | 3.1% | 5.4% | 18.3% | 21.9% | 18.3% | 12.6% | N/A | 10.2% |
| Market Cap | 11M | 9.8M | 15M | 32M | 173M | 532M | 230M | 82M | 115M | 150M | 178M | 0 | 505M |
| Avg. Price | 0.21 | 0.39 | 0.22 | 0.49 | 2.41 | 9.86 | 7.16 | 3.32 | 2.16 | 2.68 | 3.88 | 0.00 | 8.69 |
| Year-End Price | 0.26 | 0.23 | 0.32 | 0.72 | 3.35 | 9.99 | 4.78 | 1.50 | 2.24 | 2.78 | 3.27 | 0.00 | 8.69 |
Paysign, Inc. passes 4 of 9 quality checks, suggesting mixed fundamentals.
Paysign, Inc. trades at 66.8x trailing earnings, compared to its 15-year median P/E of 34.9x, suggesting it is currently Expensive relative to its historical range. On a free-cash-flow basis, the stock trades at 26.7x vs a median of 5.5x. The company's 5-year average ROIC is 2.3% with a gross margin of 54.1%. At current prices, the estimated annualized return to fair value is +1.2%.
Paysign, Inc. (PAYS) has a net profit margin of 9.2%. This is a modest margin.
Paysign, Inc. (PAYS) generated $51 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
Paysign, Inc. (PAYS) has a debt-to-equity ratio of 0.29. This indicates a conservatively financed balance sheet.
Paysign, Inc. (PAYS) reported earnings per share (EPS) of $0.13 in its most recent fiscal year.
Paysign, Inc. (PAYS) has a return on equity (ROE) of 19.1%. This indicates the company generates strong returns for shareholders.
Paysign, Inc. (PAYS) has a 5-year average gross margin of 54.1%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 16 years of financial data for Paysign, Inc. (PAYS), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
Paysign, Inc. (PAYS) has a book value per share of $0.83, based on its most recent annual SEC filing.