PAYSIGN INC (PAYS)
US70451A1043 - Common Stock
Overall PAYS gets a fundamental rating of 5 out of 10. We evaluated PAYS against 99 industry peers in the Financial Services industry. PAYS has only an average score on both its financial health and profitability. PAYS shows excellent growth, but is valued quite expensive already. These ratings would make PAYS suitable for growth investing!
1. Profitability
1.1 Basic Checks
In the past year PAYS was profitable.
PAYS had a positive operating cash flow in the past year.
In multiple years PAYS reported negative net income over the last 5 years.
In the past 5 years PAYS always reported a positive cash flow from operatings.
1.2 Ratios
PAYS has a Return On Assets of 4.83%. This is in the better half of the industry: PAYS outperforms 74.75% of its industry peers.
Looking at the Return On Equity, with a value of 28.29%, PAYS belongs to the top of the industry, outperforming 88.89% of the companies in the same industry.
PAYS has a Return On Invested Capital (3.45%) which is in line with its industry peers.
| 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
With a decent Profit Margin value of 14.28%, PAYS is doing good in the industry, outperforming 61.62% of the companies in the same industry.
In the last couple of years the Profit Margin of PAYS has grown nicely.
PAYS has a worse Operating Margin (2.11%) than 67.68% of its industry peers.
The Gross Margin of PAYS (53.37%) is better than 69.70% of its industry peers.
In the last couple of years the Gross Margin of PAYS has remained more or less at the same level.
| 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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so PAYS is destroying value.
The number of shares outstanding for PAYS has been increased compared to 1 year ago.
Compared to 5 years ago, PAYS has more shares outstanding
There is no outstanding debt for PAYS. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
2.2 Solvency
PAYS has an Altman-Z score of 1.19. This is a bad value and indicates that PAYS is not financially healthy and even has some risk of bankruptcy.
PAYS has a better Altman-Z score (1.19) than 63.64% 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 | 1.19 |
ROIC/WACC0.38
WACC9.21%
2.3 Liquidity
PAYS has a Current 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.
The Current ratio of PAYS (1.09) is comparable to the rest of the industry.
A Quick Ratio of 1.09 indicates that PAYS should not have too much problems paying its short term obligations.
PAYS has a Quick ratio (1.09) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.09 | ||
| Quick Ratio | 1.09 |
3. Growth
3.1 Past
PAYS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 166.67%, which is quite impressive.
Measured over the past years, PAYS shows a quite strong growth in Earnings Per Share. The EPS has been growing by 18.99% on average per year.
The Revenue has grown by 27.75% in the past year. This is a very strong growth!
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
PAYS is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 12.61% yearly.
The Revenue is expected to grow by 15.80% on average over the next years. This is quite good.
EPS Next Y22.4%
EPS Next 2Y74.15%
EPS Next 3Y12.61%
EPS Next 5YN/A
Revenue Next Year26.7%
Revenue Next 2Y19.78%
Revenue Next 3Y15.8%
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.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 37.38, which means the current valuation is very expensive for PAYS.
Based on the Price/Earnings ratio, PAYS is valued a bit more expensive than 69.70% of the companies in the same industry.
When comparing the Price/Earnings ratio of PAYS to the average of the S&P500 Index (27.73), we can say PAYS is valued slightly more expensively.
Based on the Price/Forward Earnings ratio of 19.72, the valuation of PAYS can be described as rather expensive.
PAYS's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. PAYS is more expensive than 64.65% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.83, PAYS is valued at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 37.38 | ||
| Fwd PE | 19.72 |
4.2 Price Multiples
PAYS's Enterprise Value to EBITDA ratio is in line with the industry average.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of PAYS indicates a rather cheap valuation: PAYS is cheaper than 88.89% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.98 | ||
| EV/EBITDA | 22.5 |
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)1.67
PEG (5Y)1.97
EPS Next 2Y74.15%
EPS Next 3Y12.61%
5. Dividend
5.1 Amount
PAYS does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
PAYSIGN INC
NASDAQ:PAYS (12/20/2024, 8:00:02 PM)
After market: 2.99 0 (0%)2.99
+0.06 (+2.05%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners30.15%
Inst Owner Change11.85%
Ins Owners21.1%
Ins Owner Change-1.23%
Market Cap160.11M
Analysts86
Price Target6.95 (132.44%)
Short Float %1.05%
Short Ratio2.25
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/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)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-25.01%
EPS NY rev (1m)5.88%
EPS NY rev (3m)28.56%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.84%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.25%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 37.38 | ||
| Fwd PE | 19.72 | ||
| P/S | 2.84 | ||
| P/FCF | 6.98 | ||
| P/OCF | 4.99 | ||
| P/B | 5.62 | ||
| P/tB | 9.45 | ||
| EV/EBITDA | 22.5 |
EPS(TTM)0.08
EY2.68%
EPS(NY)0.15
Fwd EY5.07%
FCF(TTM)0.43
FCFY14.33%
OCF(TTM)0.6
OCFY20.03%
SpS1.05
BVpS0.53
TBVpS0.32
PEG (NY)1.67
PEG (5Y)1.97
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 | 1.19 |
F-Score7
WACC9.21%
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 Year26.7%
Revenue Next 2Y19.78%
Revenue Next 3Y15.8%
Revenue Next 5YN/A
EBIT growth 1Y342.69%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year2114.56%
EBIT Next 3Y211.03%
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%