PAYSAFE LTD (PSFE) Fundamental Analysis & Valuation

NYSE:PSFE • BMG6964L2062

7.59 USD
+0.18 (+2.43%)
Last: Mar 5, 2026, 11:07 AM
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This PSFE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to PSFE. PSFE was compared to 97 industry peers in the Financial Services industry. PSFE may be in some trouble as it scores bad on both profitability and health. PSFE is cheap, but on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

3

1. PSFE Profitability Analysis

1.1 Basic Checks

  • In the past year PSFE was profitable.
  • PSFE had a positive operating cash flow in the past year.
  • In the past 5 years PSFE reported 4 times negative net income.
  • PSFE had a positive operating cash flow in 4 of the past 5 years.
PSFE Yearly Net Income VS EBIT VS OCF VS FCFPSFE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2018 2019 2020 2021 2022 2023 2024 0 500M -500M -1B -1.5B

1.2 Ratios

  • PSFE's Return On Assets of -2.64% is on the low side compared to the rest of the industry. PSFE is outperformed by 81.44% of its industry peers.
  • PSFE has a worse Return On Equity (-17.42%) than 79.38% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 3.11%, PSFE is in line with its industry, outperforming 51.55% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years for PSFE is significantly below the industry average of 8.35%.
  • The 3 year average ROIC (2.93%) for PSFE is below the current ROIC(3.11%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA -2.64%
ROE -17.42%
ROIC 3.11%
ROA(3y)-10.4%
ROA(5y)-6.89%
ROE(3y)-72.16%
ROE(5y)-45.48%
ROIC(3y)2.93%
ROIC(5y)2.43%
PSFE Yearly ROA, ROE, ROICPSFE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 2023 2024 0 -50 -100 -150 -200

1.3 Margins

  • With a Operating Margin value of 7.77%, PSFE perfoms like the industry average, outperforming 41.24% of the companies in the same industry.
  • In the last couple of years the Operating Margin of PSFE has declined.
  • With a decent Gross Margin value of 56.58%, PSFE is doing good in the industry, outperforming 71.13% of the companies in the same industry.
  • PSFE's Gross Margin has declined in the last couple of years.
Industry RankSector Rank
OM 7.77%
PM (TTM) N/A
GM 56.58%
OM growth 3Y14.8%
OM growth 5Y-8.97%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-0.93%
GM growth 5Y-1.98%
PSFE Yearly Profit, Operating, Gross MarginsPSFE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 2023 2024 0 50 -50 -100

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. PSFE Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), PSFE is destroying value.
  • PSFE has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
PSFE Yearly Shares OutstandingPSFE Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 20M 40M 60M
PSFE Yearly Total Debt VS Total AssetsPSFE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2019 2020 2021 2022 2023 2024 2B 4B 6B

2.2 Solvency

  • Based on the Altman-Z score of -0.14, we must say that PSFE is in the distress zone and has some risk of bankruptcy.
  • The Altman-Z score of PSFE (-0.14) is worse than 62.89% of its industry peers.
  • The Debt to FCF ratio of PSFE is 23.41, which is on the high side as it means it would take PSFE, 23.41 years of fcf income to pay off all of its debts.
  • PSFE's Debt to FCF ratio of 23.41 is on the low side compared to the rest of the industry. PSFE is outperformed by 60.82% of its industry peers.
  • PSFE has a Debt/Equity ratio of 3.50. This is a high value indicating a heavy dependency on external financing.
  • With a Debt to Equity ratio value of 3.50, PSFE is not doing good in the industry: 76.29% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 3.5
Debt/FCF 23.41
Altman-Z -0.14
ROIC/WACC0.47
WACC6.59%
PSFE Yearly LT Debt VS Equity VS FCFPSFE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2018 2019 2020 2021 2022 2023 2024 0 1B 2B 3B

2.3 Liquidity

  • A Current Ratio of 1.18 indicates that PSFE should not have too much problems paying its short term obligations.
  • PSFE has a better Current ratio (1.18) than 60.82% of its industry peers.
  • PSFE has a Quick Ratio of 1.18. This is a normal value and indicates that PSFE is financially healthy and should not expect problems in meeting its short term obligations.
  • Looking at the Quick ratio, with a value of 1.18, PSFE is in the better half of the industry, outperforming 62.89% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.18
Quick Ratio 1.18
PSFE Yearly Current Assets VS Current LiabilitesPSFE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. PSFE Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 444.44% over the past year.
EPS 1Y (TTM)444.44%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-14.81%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%4.35%

3.2 Future

  • The Earnings Per Share is expected to grow by 20.14% on average over the next years. This is a very strong growth
  • The Revenue is expected to grow by 6.03% on average over the next years.
EPS Next Y19.48%
EPS Next 2Y20.14%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.21%
Revenue Next 2Y6.03%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

PSFE Yearly Revenue VS EstimatesPSFE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 500M 1B 1.5B
PSFE Yearly EPS VS EstimatesPSFE Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 0 -10 -20 -30

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9

4. PSFE Valuation Analysis

4.1 Price/Earnings Ratio

  • PSFE is valuated cheaply with a Price/Earnings ratio of 3.87.
  • PSFE's Price/Earnings ratio is rather cheap when compared to the industry. PSFE is cheaper than 95.88% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.03. PSFE is valued rather cheaply when compared to this.
  • With a Price/Forward Earnings ratio of 3.24, the valuation of PSFE can be described as very cheap.
  • 98.97% of the companies in the same industry are more expensive than PSFE, based on the Price/Forward Earnings ratio.
  • When comparing the Price/Forward Earnings ratio of PSFE to the average of the S&P500 Index (25.11), we can say PSFE is valued rather cheaply.
Industry RankSector Rank
PE 3.87
Fwd PE 3.24
PSFE Price Earnings VS Forward Price EarningsPSFE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, PSFE is valued cheaply inside the industry as 95.88% of the companies are valued more expensively.
  • 96.91% of the companies in the same industry are more expensive than PSFE, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 4.09
EV/EBITDA 4.3
PSFE Per share dataPSFE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 -20

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as PSFE's earnings are expected to grow with 20.14% in the coming years.
PEG (NY)0.2
PEG (5Y)N/A
EPS Next 2Y20.14%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. PSFE Dividend Analysis

5.1 Amount

  • PSFE does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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PSFE Fundamentals: All Metrics, Ratios and Statistics

PAYSAFE LTD

NYSE:PSFE (3/5/2026, 11:07:28 AM)

7.59

+0.18 (+2.43%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)03-03
Earnings (Next)N/A
Inst Owners31.51%
Inst Owner Change0%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap436.12M
Revenue(TTM)N/A
Net Income(TTM)-123.77M
Analysts53.33
Price Target9.08 (19.63%)
Short Float %9.17%
Short Ratio5.26
Dividend
Industry RankSector Rank
Dividend Yield 0%
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)0
Avg EPS beat(2)-3.67%
Min EPS beat(2)-6.61%
Max EPS beat(2)-0.73%
EPS beat(4)1
Avg EPS beat(4)12.01%
Min EPS beat(4)-18.76%
Max EPS beat(4)74.15%
EPS beat(8)1
Avg EPS beat(8)-173.98%
EPS beat(12)1
Avg EPS beat(12)-195.96%
EPS beat(16)3
Avg EPS beat(16)-1410.04%
Revenue beat(2)0
Avg Revenue beat(2)-2.2%
Min Revenue beat(2)-3.23%
Max Revenue beat(2)-1.16%
Revenue beat(4)0
Avg Revenue beat(4)-2.85%
Min Revenue beat(4)-4.2%
Max Revenue beat(4)-1.16%
Revenue beat(8)2
Avg Revenue beat(8)-1.56%
Revenue beat(12)4
Avg Revenue beat(12)-1.18%
Revenue beat(16)7
Avg Revenue beat(16)-0.72%
PT rev (1m)-3.96%
PT rev (3m)-16.69%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.15%
EPS NY rev (1m)0%
EPS NY rev (3m)-22.99%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.03%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.25%
Valuation
Industry RankSector Rank
PE 3.87
Fwd PE 3.24
P/S 0.26
P/FCF 4.09
P/OCF 1.98
P/B 0.61
P/tB N/A
EV/EBITDA 4.3
EPS(TTM)1.96
EY25.82%
EPS(NY)2.34
Fwd EY30.85%
FCF(TTM)1.86
FCFY24.46%
OCF(TTM)3.83
OCFY50.48%
SpS29.29
BVpS12.36
TBVpS-39.56
PEG (NY)0.2
PEG (5Y)N/A
Graham Number23.35
Profitability
Industry RankSector Rank
ROA -2.64%
ROE -17.42%
ROCE 3.94%
ROIC 3.11%
ROICexc 4.84%
ROICexgc N/A
OM 7.77%
PM (TTM) N/A
GM 56.58%
FCFM 6.34%
ROA(3y)-10.4%
ROA(5y)-6.89%
ROE(3y)-72.16%
ROE(5y)-45.48%
ROIC(3y)2.93%
ROIC(5y)2.43%
ROICexc(3y)5.35%
ROICexc(5y)4.21%
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)3.7%
ROCE(5y)3.07%
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3Y45.09%
ROICexc growth 5Y9.54%
OM growth 3Y14.8%
OM growth 5Y-8.97%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-0.93%
GM growth 5Y-1.98%
F-Score5
Asset Turnover0.36
Health
Industry RankSector Rank
Debt/Equity 3.5
Debt/FCF 23.41
Debt/EBITDA 6.16
Cap/Depr 41.58%
Cap/Sales 6.74%
Interest Coverage 0.97
Cash Conversion 54.53%
Profit Quality N/A
Current Ratio 1.18
Quick Ratio 1.18
Altman-Z -0.14
F-Score5
WACC6.59%
ROIC/WACC0.47
Cap/Depr(3y)38.14%
Cap/Depr(5y)34.21%
Cap/Sales(3y)6.4%
Cap/Sales(5y)5.89%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)444.44%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-14.81%
EPS Next Y19.48%
EPS Next 2Y20.14%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%4.35%
Revenue Next Year6.21%
Revenue Next 2Y6.03%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-16.25%
EBIT growth 3Y20.15%
EBIT growth 5Y-5.55%
EBIT Next Year191.45%
EBIT Next 3Y50.38%
EBIT Next 5YN/A
FCF growth 1Y111.72%
FCF growth 3Y0.33%
FCF growth 5Y-8.23%
OCF growth 1Y127.37%
OCF growth 3Y4.17%
OCF growth 5Y-2.56%

PAYSAFE LTD / PSFE FAQ

What is the ChartMill fundamental rating of PAYSAFE LTD (PSFE) stock?

ChartMill assigns a fundamental rating of 3 / 10 to PSFE.


What is the valuation status of PAYSAFE LTD (PSFE) stock?

ChartMill assigns a valuation rating of 9 / 10 to PAYSAFE LTD (PSFE). This can be considered as Undervalued.


What is the profitability of PSFE stock?

PAYSAFE LTD (PSFE) has a profitability rating of 3 / 10.


Can you provide the financial health for PSFE stock?

The financial health rating of PAYSAFE LTD (PSFE) is 2 / 10.