PAYSAFE LTD (PSFE) Stock Fundamental Analysis
USA - NYSE:PSFE - BMG6964L2062 - Common Stock
6.5273 USD
-0.14 (-2.14%)
Overall PSFE gets a fundamental rating of 4 out of 10. We evaluated PSFE against 99 industry peers in the Financial Services industry. PSFE has a bad profitability rating. Also its financial health evaluation is rather negative. A decent growth rate in combination with a cheap valuation! Better keep an eye on PSFE.
1. Profitability
1.1 Basic Checks
In the past year PSFE was profitable.
In the past year PSFE had a positive cash flow from operations.
PSFE had negative earnings in 4 of the past 5 years.
In the past 5 years PSFE always reported a positive cash flow from operatings.
1.2 Ratios
PSFE has a Return On Assets of -1.00%. This is in the lower half of the industry: PSFE underperforms 78.79% of its industry peers.
PSFE's Return On Equity of -6.08% is on the low side compared to the rest of the industry. PSFE is outperformed by 79.80% of its industry peers.
PSFE has a Return On Invested Capital (2.58%) which is comparable to the rest of the industry.
The Average Return On Invested Capital over the past 3 years for PSFE is significantly below the industry average of 8.14%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -1% | ||
| ROE | -6.08% | ||
| ROIC | 2.58% |
ROA(3y)-10.4%
ROA(5y)-6.89%
ROE(3y)-72.16%
ROE(5y)-45.48%
ROIC(3y)2.93%
ROIC(5y)2.43%
1.3 Margins
With a Operating Margin value of 6.79%, PSFE is not doing good in the industry: 63.64% of the companies in the same industry are doing better.
PSFE's Operating Margin has declined in the last couple of years.
Looking at the Gross Margin, with a value of 56.70%, PSFE is in the better half of the industry, outperforming 71.72% of the companies in the same industry.
In the last couple of years the Gross Margin of PSFE has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 6.79% | ||
| PM (TTM) | N/A | ||
| GM | 56.7% |
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%
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), PSFE is destroying value.
The number of shares outstanding for PSFE has been reduced compared to 1 year ago.
PSFE has more shares outstanding than it did 5 years ago.
The debt/assets ratio for PSFE is higher compared to a year ago.
2.2 Solvency
PSFE has an Altman-Z score of -0.11. This is a bad value and indicates that PSFE is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of -0.11, PSFE is doing worse than 65.66% of the companies in the same industry.
The Debt to FCF ratio of PSFE is 20.92, which is on the high side as it means it would take PSFE, 20.92 years of fcf income to pay off all of its debts.
PSFE's Debt to FCF ratio of 20.92 is in line compared to the rest of the industry. PSFE outperforms 44.44% of its industry peers.
PSFE has a Debt/Equity ratio of 3.15. This is a high value indicating a heavy dependency on external financing.
PSFE's Debt to Equity ratio of 3.15 is on the low side compared to the rest of the industry. PSFE is outperformed by 75.76% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.15 | ||
| Debt/FCF | 20.92 | ||
| Altman-Z | -0.11 |
ROIC/WACC0.4
WACC6.45%
2.3 Liquidity
PSFE has a Current Ratio of 1.20. This is a normal value and indicates that PSFE is financially healthy and should not expect problems in meeting its short term obligations.
PSFE has a Current ratio of 1.20. This is comparable to the rest of the industry: PSFE outperforms 59.60% of its industry peers.
A Quick Ratio of 1.20 indicates that PSFE should not have too much problems paying its short term obligations.
The Quick ratio of PSFE (1.20) is better than 61.62% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.2 | ||
| Quick Ratio | 1.2 |
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.
Looking at the last year, PSFE shows a small growth in Revenue. The Revenue has grown by 6.48% in the last year.
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)6.48%
Revenue growth 3Y4.66%
Revenue growth 5Y3.75%
Sales Q2Q%1.57%
3.2 Future
Based on estimates for the next years, PSFE will show a very strong growth in Earnings Per Share. The EPS will grow by 114.74% on average per year.
PSFE is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.24% yearly.
EPS Next Y584.13%
EPS Next 2Y189.71%
EPS Next 3Y114.74%
EPS Next 5YN/A
Revenue Next Year0.63%
Revenue Next 2Y3.82%
Revenue Next 3Y4.24%
Revenue Next 5YN/A
3.3 Evolution
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
Based on the Price/Earnings ratio of 3.20, the valuation of PSFE can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of PSFE indicates a rather cheap valuation: PSFE is cheaper than 97.98% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 25.46, PSFE is valued rather cheaply.
A Price/Forward Earnings ratio of 2.16 indicates a rather cheap valuation of PSFE.
100.00% of the companies in the same industry are more expensive than PSFE, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 35.39. PSFE is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.2 | ||
| Fwd PE | 2.16 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, PSFE is valued cheaper than 93.94% of the companies 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 96.97% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.15 | ||
| EV/EBITDA | 4.29 |
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.
A more expensive valuation may be justified as PSFE's earnings are expected to grow with 114.74% in the coming years.
PEG (NY)0.01
PEG (5Y)N/A
EPS Next 2Y189.71%
EPS Next 3Y114.74%
5. Dividend
5.1 Amount
No dividends for PSFE!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NYSE:PSFE (11/19/2025, 2:57:33 PM)
6.5273
-0.14 (-2.14%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners38.9%
Inst Owner Change-30.24%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap384.13M
Revenue(TTM)1.70B
Net Income(TTM)-49.07M
Analysts53.33
Price Target10.9 (66.99%)
Short Float %6.25%
Short Ratio4.99
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)0
Avg EPS beat(2)-9.74%
Min EPS beat(2)-18.76%
Max EPS beat(2)-0.73%
EPS beat(4)1
Avg EPS beat(4)-245.29%
Min EPS beat(4)-1035.83%
Max EPS beat(4)74.15%
EPS beat(8)1
Avg EPS beat(8)-194.93%
EPS beat(12)1
Avg EPS beat(12)-203.74%
EPS beat(16)3
Avg EPS beat(16)-1471.46%
Revenue beat(2)0
Avg Revenue beat(2)-1.99%
Min Revenue beat(2)-2.82%
Max Revenue beat(2)-1.16%
Revenue beat(4)0
Avg Revenue beat(4)-2.3%
Min Revenue beat(4)-4.2%
Max Revenue beat(4)-1.03%
Revenue beat(8)2
Avg Revenue beat(8)-1.46%
Revenue beat(12)5
Avg Revenue beat(12)-0.77%
Revenue beat(16)7
Avg Revenue beat(16)-0.92%
PT rev (1m)-0.21%
PT rev (3m)-2.31%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.19%
EPS NY rev (1m)0.18%
EPS NY rev (3m)1.56%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.29%
Revenue NY rev (1m)0.06%
Revenue NY rev (3m)0.17%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.2 | ||
| Fwd PE | 2.16 | ||
| P/S | 0.23 | ||
| P/FCF | 3.15 | ||
| P/OCF | 1.65 | ||
| P/B | 0.48 | ||
| P/tB | N/A | ||
| EV/EBITDA | 4.29 |
EPS(TTM)2.04
EY31.25%
EPS(NY)3.02
Fwd EY46.29%
FCF(TTM)2.07
FCFY31.75%
OCF(TTM)3.96
OCFY60.63%
SpS28.49
BVpS13.71
TBVpS-37.68
PEG (NY)0.01
PEG (5Y)N/A
Graham Number25.09
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -1% | ||
| ROE | -6.08% | ||
| ROCE | 3.26% | ||
| ROIC | 2.58% | ||
| ROICexc | 4.07% | ||
| ROICexgc | N/A | ||
| OM | 6.79% | ||
| PM (TTM) | N/A | ||
| GM | 56.7% | ||
| FCFM | 7.27% |
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 Turnover0.34
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.15 | ||
| Debt/FCF | 20.92 | ||
| Debt/EBITDA | 6.55 | ||
| Cap/Depr | 40.49% | ||
| Cap/Sales | 6.62% | ||
| Interest Coverage | 0.86 | ||
| Cash Conversion | 60.03% | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.2 | ||
| Quick Ratio | 1.2 | ||
| Altman-Z | -0.11 |
F-Score5
WACC6.45%
ROIC/WACC0.4
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 Y584.13%
EPS Next 2Y189.71%
EPS Next 3Y114.74%
EPS Next 5YN/A
Revenue 1Y (TTM)6.48%
Revenue growth 3Y4.66%
Revenue growth 5Y3.75%
Sales Q2Q%1.57%
Revenue Next Year0.63%
Revenue Next 2Y3.82%
Revenue Next 3Y4.24%
Revenue Next 5YN/A
EBIT growth 1Y-31.08%
EBIT growth 3Y20.15%
EBIT growth 5Y-5.55%
EBIT Next Year218.68%
EBIT Next 3Y55.49%
EBIT Next 5YN/A
FCF growth 1Y113.36%
FCF growth 3Y0.33%
FCF growth 5Y-8.23%
OCF growth 1Y128.82%
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 for 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 PE and PB ratios for PSFE stock?
The Price/Earnings (PE) ratio for PAYSAFE LTD (PSFE) is 3.2 and the Price/Book (PB) ratio is 0.48.
How financially healthy is PAYSAFE LTD?
The financial health rating of PAYSAFE LTD (PSFE) is 3 / 10.