PAYSAFE LTD (PSFE) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:PSFE • BMG6964L2062

6.62 USD
-0.35 (-5.02%)
At close: Feb 3, 2026
6.62 USD
0 (0%)
After Hours: 2/3/2026, 8:04:00 PM
Fundamental Rating

4

Taking everything into account, PSFE scores 4 out of 10 in our fundamental rating. 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. A decent growth rate in combination with a cheap valuation! Better keep an eye on PSFE.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • PSFE had positive earnings in the past year.
  • In the past year PSFE had a positive cash flow from operations.
  • In the past 5 years PSFE reported 4 times negative net income.
  • PSFE had a positive operating cash flow in each 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

  • With a Return On Assets value of -2.64%, PSFE is not doing good in the industry: 81.44% of the companies in the same industry are doing better.
  • PSFE has a worse Return On Equity (-17.42%) than 82.47% of its industry peers.
  • PSFE has a Return On Invested Capital of 3.11%. This is comparable to the rest of the industry: PSFE outperforms 51.55% of its industry peers.
  • PSFE had an Average Return On Invested Capital over the past 3 years of 2.93%. This is significantly below the industry average of 8.52%.
  • 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

  • PSFE's Operating Margin of 7.77% is on the low side compared to the rest of the industry. PSFE is outperformed by 63.92% of its industry peers.
  • PSFE's Operating Margin has declined in the last couple of years.
  • The Gross Margin of PSFE (56.58%) is better than 70.10% of its industry peers.
  • 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

More info and screens

3

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), PSFE is destroying value.
  • PSFE has less shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, PSFE has more shares outstanding
  • Compared to 1 year ago, PSFE has a worse debt to assets ratio.
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 64.95% of its industry peers.
  • PSFE has a debt to FCF ratio of 23.41. This is a negative value and a sign of low solvency as PSFE would need 23.41 years to pay back of all of its debts.
  • PSFE's Debt to FCF ratio of 23.41 is in line compared to the rest of the industry. PSFE outperforms 40.21% of its industry peers.
  • A Debt/Equity ratio of 3.50 is on the high side and indicates that PSFE has dependencies on debt financing.
  • PSFE has a worse Debt to Equity ratio (3.50) than 77.32% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.5
Debt/FCF 23.41
Altman-Z -0.14
ROIC/WACC0.48
WACC6.44%
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's Current ratio of 1.18 is in line compared to the rest of the industry. PSFE outperforms 59.79% 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.
  • With a decent Quick ratio value of 1.18, PSFE is doing good in the industry, outperforming 61.86% 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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4

3. Growth

3.1 Past

  • PSFE shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 636.84%, which is quite impressive.
  • PSFE shows a decrease in Revenue. In the last year, the revenue decreased by -0.95%.
  • PSFE shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.75% yearly.
EPS 1Y (TTM)636.84%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%433.33%
Revenue 1Y (TTM)-0.95%
Revenue growth 3Y4.66%
Revenue growth 5Y3.75%
Sales Q2Q%1.57%

3.2 Future

  • The Earnings Per Share is expected to grow by 98.81% on average over the next years. This is a very strong growth
  • Based on estimates for the next years, PSFE will show a small growth in Revenue. The Revenue will grow by 3.76% on average per year.
EPS Next Y426.88%
EPS Next 2Y155.05%
EPS Next 3Y98.81%
EPS Next 5YN/A
Revenue Next Year-0.63%
Revenue Next 2Y2.74%
Revenue Next 3Y3.76%
Revenue Next 5YN/A

3.3 Evolution

  • 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.
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

More info and screens

9

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 3.25, which indicates a rather cheap valuation of PSFE.
  • Based on the Price/Earnings ratio, PSFE is valued cheaper than 97.94% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 28.18, PSFE is valued rather cheaply.
  • A Price/Forward Earnings ratio of 2.83 indicates a rather cheap valuation of PSFE.
  • Based on the Price/Forward Earnings ratio, PSFE is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 25.51, PSFE is valued rather cheaply.
Industry RankSector Rank
PE 3.25
Fwd PE 2.83
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 cheaper than 95.88% of the companies in the same industry.
  • PSFE's Price/Free Cash Flow ratio is rather cheap when compared to the industry. PSFE is cheaper than 97.94% of the companies in the same industry.
Industry RankSector Rank
P/FCF 3.57
EV/EBITDA 4.19
PSFE Per share dataPSFE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 -20

4.3 Compensation for Growth

  • PSFE's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • PSFE's earnings are expected to grow with 98.81% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.01
PEG (5Y)N/A
EPS Next 2Y155.05%
EPS Next 3Y98.81%

More info and screens

0

5. Dividend

5.1 Amount

  • No dividends for PSFE!.
Industry RankSector Rank
Dividend Yield 0%

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PAYSAFE LTD

NYSE:PSFE (2/3/2026, 8:04:00 PM)

After market: 6.62 0 (0%)

6.62

-0.35 (-5.02%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-13
Earnings (Next)03-04
Inst Owners31.51%
Inst Owner Change0%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap380.39M
Revenue(TTM)1.68B
Net Income(TTM)-123.77M
Analysts53.33
Price Target9.45 (42.75%)
Short Float %7.78%
Short Ratio4.38
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)0%
PT rev (3m)-40.41%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-58.78%
EPS NY rev (1m)0%
EPS NY rev (3m)-22.99%
Revenue NQ rev (1m)0.01%
Revenue NQ rev (3m)-3.36%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.25%
Valuation
Industry RankSector Rank
PE 3.25
Fwd PE 2.83
P/S 0.23
P/FCF 3.57
P/OCF 1.73
P/B 0.54
P/tB N/A
EV/EBITDA 4.19
EPS(TTM)2.04
EY30.82%
EPS(NY)2.34
Fwd EY35.37%
FCF(TTM)1.86
FCFY28.04%
OCF(TTM)3.83
OCFY57.87%
SpS29.29
BVpS12.36
TBVpS-39.56
PEG (NY)0.01
PEG (5Y)N/A
Graham Number23.82
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
WACC6.44%
ROIC/WACC0.48
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)636.84%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%433.33%
EPS Next Y426.88%
EPS Next 2Y155.05%
EPS Next 3Y98.81%
EPS Next 5YN/A
Revenue 1Y (TTM)-0.95%
Revenue growth 3Y4.66%
Revenue growth 5Y3.75%
Sales Q2Q%1.57%
Revenue Next Year-0.63%
Revenue Next 2Y2.74%
Revenue Next 3Y3.76%
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 4 / 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 3 / 10.