PAYSAFE LTD (PSFE) Fundamental Analysis & Valuation

NYSE:PSFE • BMG6964L2062

Current stock price

6.62 USD
-0.26 (-3.78%)
At close:
6.6 USD
-0.02 (-0.3%)
After Hours:

This PSFE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. PSFE Profitability Analysis

1.1 Basic Checks

  • PSFE had positive earnings in the past year.
  • In the past year PSFE had a positive cash flow from operations.
  • PSFE had negative earnings in 4 of the past 5 years.
  • 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 2025 0 500M -500M -1B -1.5B

1.2 Ratios

  • With a Return On Assets value of -3.80%, PSFE is not doing good in the industry: 80.00% of the companies in the same industry are doing better.
  • PSFE's Return On Equity of -27.86% is on the low side compared to the rest of the industry. PSFE is outperformed by 78.00% of its industry peers.
  • PSFE has a Return On Invested Capital (2.85%) which is comparable to the rest of the industry.
  • The Average Return On Invested Capital over the past 3 years for PSFE is below the industry average of 8.03%.
Industry RankSector Rank
ROA -3.8%
ROE -27.86%
ROIC 2.85%
ROA(3y)-1.24%
ROA(5y)-7.3%
ROE(3y)-9.21%
ROE(5y)-49.73%
ROIC(3y)3.29%
ROIC(5y)2.55%
PSFE Yearly ROA, ROE, ROICPSFE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 2023 2024 2025 0 -50 -100 -150 -200

1.3 Margins

  • Looking at the Operating Margin, with a value of 7.20%, PSFE is in line with its industry, outperforming 43.00% of the companies in the same industry.
  • PSFE's Operating Margin has declined in the last couple of years.
  • Looking at the Gross Margin, with a value of 56.44%, PSFE is in the better half of the industry, outperforming 72.00% of the companies in the same industry.
  • PSFE's Gross Margin has declined in the last couple of years.
Industry RankSector Rank
OM 7.2%
PM (TTM) N/A
GM 56.44%
OM growth 3Y10.04%
OM growth 5Y-8.22%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-1.45%
GM growth 5Y-2.02%
PSFE Yearly Profit, Operating, Gross MarginsPSFE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 2023 2024 2025 0 50 -50 -100

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3

2. PSFE Health Analysis

2.1 Basic Checks

  • PSFE has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • Compared to 1 year ago, PSFE has less shares outstanding
  • PSFE has more shares outstanding than it did 5 years ago.
  • 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 2025 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 2025 2B 4B 6B

2.2 Solvency

  • Based on the Altman-Z score of -0.13, we must say that PSFE is in the distress zone and has some risk of bankruptcy.
  • PSFE's Altman-Z score of -0.13 is on the low side compared to the rest of the industry. PSFE is outperformed by 63.00% of its industry peers.
  • The Debt to FCF ratio of PSFE is 20.21, which is on the high side as it means it would take PSFE, 20.21 years of fcf income to pay off all of its debts.
  • PSFE has a Debt to FCF ratio of 20.21. This is comparable to the rest of the industry: PSFE outperforms 47.00% of its industry peers.
  • PSFE has a Debt/Equity ratio of 3.98. This is a high value indicating a heavy dependency on external financing.
  • Looking at the Debt to Equity ratio, with a value of 3.98, PSFE is doing worse than 76.00% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 3.98
Debt/FCF 20.21
Altman-Z -0.13
ROIC/WACC0.5
WACC5.66%
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 2025 0 1B 2B 3B

2.3 Liquidity

  • A Current Ratio of 1.24 indicates that PSFE should not have too much problems paying its short term obligations.
  • PSFE has a Current ratio of 1.24. This is in the better half of the industry: PSFE outperforms 61.00% of its industry peers.
  • A Quick Ratio of 1.24 indicates that PSFE should not have too much problems paying its short term obligations.
  • With a decent Quick ratio value of 1.24, PSFE is doing good in the industry, outperforming 63.00% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.24
Quick Ratio 1.24
PSFE Yearly Current Assets VS Current LiabilitesPSFE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B

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

4

3. PSFE Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 444.44% over the past year.
  • Looking at the last year, PSFE shows a decrease in Revenue. The Revenue has decreased by -0.20% in the last year.
  • PSFE shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.59% yearly.
EPS 1Y (TTM)444.44%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-14.81%
Revenue 1Y (TTM)-0.2%
Revenue growth 3Y4.38%
Revenue growth 5Y3.59%
Sales Q2Q%4.35%

3.2 Future

  • PSFE is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 20.14% yearly.
  • PSFE is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.97% yearly.
EPS Next Y19.48%
EPS Next 2Y20.14%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.98%
Revenue Next 2Y6.14%
Revenue Next 3Y4.97%
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 accelerating.
PSFE Yearly Revenue VS EstimatesPSFE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 500M 1B 1.5B 2B
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

  • The Price/Earnings ratio is 3.38, which indicates a rather cheap valuation of PSFE.
  • PSFE's Price/Earnings ratio is rather cheap when compared to the industry. PSFE is cheaper than 97.00% of the companies in the same industry.
  • PSFE is valuated cheaply when we compare the Price/Earnings ratio to 24.89, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 2.83, the valuation of PSFE can be described as very cheap.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of PSFE indicates a rather cheap valuation: PSFE is cheaper than 99.00% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.19, PSFE is valued rather cheaply.
Industry RankSector Rank
PE 3.38
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

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of PSFE indicates a rather cheap valuation: PSFE is cheaper than 95.00% of the companies listed in the same industry.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of PSFE indicates a rather cheap valuation: PSFE is cheaper than 98.00% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 2.64
EV/EBITDA 4.04
PSFE Per share dataPSFE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 -20 -40

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 20.14% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.17
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

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

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PSFE Fundamentals: All Metrics, Ratios and Statistics

PAYSAFE LTD

NYSE:PSFE (3/27/2026, 8:04:00 PM)

After market: 6.6 -0.02 (-0.3%)

6.62

-0.26 (-3.78%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)03-03
Earnings (Next)N/A
Inst Owners28.96%
Inst Owner Change0%
Ins OwnersN/A
Ins Owner Change-1.36%
Market Cap342.12M
Revenue(TTM)1.70B
Net Income(TTM)-182.51M
Analysts53.33
Price Target8.76 (32.33%)
Short Float %9.14%
Short Ratio5.6
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)1
Avg EPS beat(2)8.76%
Min EPS beat(2)-6.61%
Max EPS beat(2)24.14%
EPS beat(4)1
Avg EPS beat(4)-0.49%
Min EPS beat(4)-18.76%
Max EPS beat(4)24.14%
EPS beat(8)2
Avg EPS beat(8)-142.9%
EPS beat(12)2
Avg EPS beat(12)-139.86%
EPS beat(16)3
Avg EPS beat(16)-1463.56%
Revenue beat(2)0
Avg Revenue beat(2)-2.89%
Min Revenue beat(2)-3.23%
Max Revenue beat(2)-2.56%
Revenue beat(4)0
Avg Revenue beat(4)-2.44%
Min Revenue beat(4)-3.23%
Max Revenue beat(4)-1.16%
Revenue beat(8)2
Avg Revenue beat(8)-1.66%
Revenue beat(12)4
Avg Revenue beat(12)-1.39%
Revenue beat(16)6
Avg Revenue beat(16)-1%
PT rev (1m)-3.48%
PT rev (3m)-7.3%
EPS NQ rev (1m)-14.11%
EPS NQ rev (3m)-14.11%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)-0.72%
Revenue NQ rev (3m)-0.72%
Revenue NY rev (1m)-0.22%
Revenue NY rev (3m)-0.22%
Valuation
Industry RankSector Rank
PE 3.38
Fwd PE 2.83
P/S 0.2
P/FCF 2.64
P/OCF 1.45
P/B 0.52
P/tB N/A
EV/EBITDA 4.04
EPS(TTM)1.96
EY29.61%
EPS(NY)2.34
Fwd EY35.37%
FCF(TTM)2.5
FCFY37.82%
OCF(TTM)4.57
OCFY69.03%
SpS32.92
BVpS12.67
TBVpS-44.41
PEG (NY)0.17
PEG (5Y)N/A
Graham Number23.64
Profitability
Industry RankSector Rank
ROA -3.8%
ROE -27.86%
ROCE 3.61%
ROIC 2.85%
ROICexc 4.73%
ROICexgc N/A
OM 7.2%
PM (TTM) N/A
GM 56.44%
FCFM 7.6%
ROA(3y)-1.24%
ROA(5y)-7.3%
ROE(3y)-9.21%
ROE(5y)-49.73%
ROIC(3y)3.29%
ROIC(5y)2.55%
ROICexc(3y)5.54%
ROICexc(5y)4.51%
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)4.17%
ROCE(5y)3.23%
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3Y4.31%
ROICexc growth 5Y7.74%
OM growth 3Y10.04%
OM growth 5Y-8.22%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-1.45%
GM growth 5Y-2.02%
F-Score4
Asset Turnover0.35
Health
Industry RankSector Rank
Debt/Equity 3.98
Debt/FCF 20.21
Debt/EBITDA 6.53
Cap/Depr 38.63%
Cap/Sales 6.28%
Interest Coverage 0.93
Cash Conversion 59.22%
Profit Quality N/A
Current Ratio 1.24
Quick Ratio 1.24
Altman-Z -0.13
F-Score4
WACC5.66%
ROIC/WACC0.5
Cap/Depr(3y)39.32%
Cap/Depr(5y)37.02%
Cap/Sales(3y)6.4%
Cap/Sales(5y)6.22%
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)-0.2%
Revenue growth 3Y4.38%
Revenue growth 5Y3.59%
Sales Q2Q%4.35%
Revenue Next Year5.98%
Revenue Next 2Y6.14%
Revenue Next 3Y4.97%
Revenue Next 5YN/A
EBIT growth 1Y-12.64%
EBIT growth 3Y14.86%
EBIT growth 5Y-4.92%
EBIT Next Year293.12%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-8.94%
FCF growth 3Y-46.19%
FCF growth 5Y-17.72%
OCF growth 1Y-6.95%
OCF growth 3Y-36.54%
OCF growth 5Y-10.41%

PAYSAFE LTD / PSFE Fundamental Analysis 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 2 / 10.


Can you provide the financial health for PSFE stock?

The financial health rating of PAYSAFE LTD (PSFE) is 3 / 10.