PAYSIGN INC (PAYS) Stock Fundamental Analysis
NASDAQ:PAYS - Nasdaq - US70451A1043 - Common Stock - Currency: USD
Taking everything into account, PAYS scores 5 out of 10 in our fundamental rating. PAYS was compared to 102 industry peers in the Financial Services industry. PAYS has only an average score on both its financial health and profitability. PAYS is valued quite expensive, but it does show an excellent growth. This makes PAYS very considerable for growth investing!
1. Profitability
1.1 Basic Checks
In the past year PAYS was profitable.
In the past year PAYS had a positive cash flow from operations.
In multiple years PAYS reported negative net income over the last 5 years.
PAYS had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 4.83%, PAYS is in the better half of the industry, outperforming 75.49% of the companies in the same industry.
PAYS has a Return On Equity of 28.29%. This is amongst the best in the industry. PAYS outperforms 89.22% of its industry peers.
Looking at the Return On Invested Capital, with a value of 3.45%, PAYS is in line with its industry, outperforming 54.90% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.83% | ||
| ROE | 28.29% | ||
| ROIC | 3.45% |
ROA(3y)0.71%
ROA(5y)0.51%
ROE(3y)3.92%
ROE(5y)-3.89%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of PAYS (14.28%) is better than 62.75% of its industry peers.
In the last couple of years the Profit Margin of PAYS has grown nicely.
PAYS's Operating Margin of 2.11% is on the low side compared to the rest of the industry. PAYS is outperformed by 65.69% of its industry peers.
Looking at the Gross Margin, with a value of 53.37%, PAYS is in the better half of the industry, outperforming 70.59% of the companies in the same industry.
PAYS's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 2.11% | ||
| PM (TTM) | 14.28% | ||
| GM | 53.37% |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5Y4.32%
GM growth 3Y9.81%
GM growth 5Y0.96%
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), PAYS is destroying value.
PAYS has more shares outstanding than it did 1 year ago.
PAYS has more shares outstanding than it did 5 years ago.
PAYS has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
2.2 Solvency
Based on the Altman-Z score of 1.16, we must say that PAYS is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of PAYS (1.16) is better than 63.73% of its industry peers.
PAYS has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | 1.16 |
ROIC/WACC0.38
WACC9.17%
2.3 Liquidity
A Current Ratio of 1.09 indicates that PAYS should not have too much problems paying its short term obligations.
With a Current ratio value of 1.09, PAYS perfoms like the industry average, outperforming 53.92% of the companies in the same industry.
PAYS has a Quick Ratio of 1.09. This is a normal value and indicates that PAYS is financially healthy and should not expect problems in meeting its short term obligations.
With a Quick ratio value of 1.09, PAYS perfoms like the industry average, outperforming 54.90% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.09 | ||
| Quick Ratio | 1.09 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 166.67% over the past year.
PAYS shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 18.99% yearly.
Looking at the last year, PAYS shows a very strong growth in Revenue. The Revenue has grown by 27.75%.
Measured over the past years, PAYS shows a quite strong growth in Revenue. The Revenue has been growing by 15.08% on average per year.
EPS 1Y (TTM)166.67%
EPS 3YN/A
EPS 5Y18.99%
EPS Q2Q%50%
Revenue 1Y (TTM)27.75%
Revenue growth 3Y25.15%
Revenue growth 5Y15.08%
Sales Q2Q%23.03%
3.2 Future
The Earnings Per Share is expected to grow by 12.61% on average over the next years. This is quite good.
PAYS is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 16.59% yearly.
EPS Next Y22.4%
EPS Next 2Y74.15%
EPS Next 3Y12.61%
EPS Next 5YN/A
Revenue Next Year26.65%
Revenue Next 2Y19.7%
Revenue Next 3Y16.59%
Revenue Next 5YN/A
3.3 Evolution
Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 34.75, PAYS can be considered very expensive at the moment.
Based on the Price/Earnings ratio, PAYS is valued a bit more expensive than the industry average as 68.63% of the companies are valued more cheaply.
The average S&P500 Price/Earnings ratio is at 28.42. PAYS is valued slightly more expensive when compared to this.
The Price/Forward Earnings ratio is 18.33, which indicates a rather expensive current valuation of PAYS.
Compared to the rest of the industry, the Price/Forward Earnings ratio of PAYS is on the same level as its industry peers.
Compared to an average S&P500 Price/Forward Earnings ratio of 24.39, PAYS is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 34.75 | ||
| Fwd PE | 18.33 |
4.2 Price Multiples
PAYS's Enterprise Value to EBITDA ratio is in line with the industry average.
Based on the Price/Free Cash Flow ratio, PAYS is valued cheaply inside the industry as 91.18% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.49 | ||
| EV/EBITDA | 21.54 |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PAYS's earnings are expected to grow with 12.61% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.55
PEG (5Y)1.83
EPS Next 2Y74.15%
EPS Next 3Y12.61%
5. Dividend
5.1 Amount
No dividends for PAYS!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
PAYSIGN INC
NASDAQ:PAYS (1/28/2025, 8:00:02 PM)
After market: 2.82 +0.04 (+1.44%)2.78
-0.09 (-3.14%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners30.15%
Inst Owner Change-0.11%
Ins Owners21.1%
Ins Owner Change-4.66%
Market Cap148.87M
Analysts85.45
Price Target6.78 (143.88%)
Short Float %1.11%
Short Ratio1.66
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
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)1
Avg EPS beat(2)96.08%
Min EPS beat(2)-1.96%
Max EPS beat(2)194.12%
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)0.63%
Min Revenue beat(2)0.36%
Max Revenue beat(2)0.91%
Revenue beat(4)4
Avg Revenue beat(4)3%
Min Revenue beat(4)0.36%
Max Revenue beat(4)6.36%
Revenue beat(8)6
Avg Revenue beat(8)1.78%
Revenue beat(12)7
Avg Revenue beat(12)0.82%
Revenue beat(16)7
Avg Revenue beat(16)-0.98%
PT rev (1m)-2.39%
PT rev (3m)-2.39%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-25.01%
EPS NY rev (1m)0%
EPS NY rev (3m)28.56%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.84%
Revenue NY rev (1m)-0.04%
Revenue NY rev (3m)1.21%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 34.75 | ||
| Fwd PE | 18.33 | ||
| P/S | 2.64 | ||
| P/FCF | 6.49 | ||
| P/OCF | 4.64 | ||
| P/B | 5.22 | ||
| P/tB | 8.79 | ||
| EV/EBITDA | 21.54 |
EPS(TTM)0.08
EY2.88%
EPS(NY)0.15
Fwd EY5.45%
FCF(TTM)0.43
FCFY15.41%
OCF(TTM)0.6
OCFY21.55%
SpS1.05
BVpS0.53
TBVpS0.32
PEG (NY)1.55
PEG (5Y)1.83
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 4.83% | ||
| ROE | 28.29% | ||
| ROCE | 3.82% | ||
| ROIC | 3.45% | ||
| ROICexc | 5.16% | ||
| ROICexgc | 11.61% | ||
| OM | 2.11% | ||
| PM (TTM) | 14.28% | ||
| GM | 53.37% | ||
| FCFM | 40.62% |
ROA(3y)0.71%
ROA(5y)0.51%
ROE(3y)3.92%
ROE(5y)-3.89%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5Y4.32%
GM growth 3Y9.81%
GM growth 5Y0.96%
F-Score7
Asset Turnover0.34
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | 0 | ||
| Cap/Depr | 167.08% | ||
| Cap/Sales | 16.18% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 481.79% | ||
| Profit Quality | 284.4% | ||
| Current Ratio | 1.09 | ||
| Quick Ratio | 1.09 | ||
| Altman-Z | 1.16 |
F-Score7
WACC9.17%
ROIC/WACC0.38
Cap/Depr(3y)140.94%
Cap/Depr(5y)159.85%
Cap/Sales(3y)11.59%
Cap/Sales(5y)11.59%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)166.67%
EPS 3YN/A
EPS 5Y18.99%
EPS Q2Q%50%
EPS Next Y22.4%
EPS Next 2Y74.15%
EPS Next 3Y12.61%
EPS Next 5YN/A
Revenue 1Y (TTM)27.75%
Revenue growth 3Y25.15%
Revenue growth 5Y15.08%
Sales Q2Q%23.03%
Revenue Next Year26.65%
Revenue Next 2Y19.7%
Revenue Next 3Y16.59%
Revenue Next 5YN/A
EBIT growth 1Y342.69%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year2111.22%
EBIT Next 3Y220.31%
EBIT Next 5YN/A
FCF growth 1Y-14.6%
FCF growth 3Y25.37%
FCF growth 5Y7.38%
OCF growth 1Y6.38%
OCF growth 3Y26.08%
OCF growth 5Y11.54%