PAYSAFE LTD (PSFE) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:PSFE - BMG6964L2062 - Common Stock
8.11 USD
-0.19 (-2.29%)
We assign a fundamental rating of 4 out of 10 to PSFE. PSFE was compared to 98 industry peers in the Financial Services industry. Both the profitability and financial health of PSFE have multiple concerns. 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.
PSFE had a positive operating cash flow in the past year.
In the past 5 years PSFE reported 4 times negative net income.
Each year in the past 5 years PSFE had a positive operating cash flow.
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 81.63% of its industry peers.
With a Return On Equity value of -17.42%, PSFE is not doing good in the industry: 82.65% of the companies in the same industry are doing better.
The Return On Invested Capital of PSFE (3.11%) 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 8.44%.
The last Return On Invested Capital (3.11%) for PSFE is above the 3 year average (2.93%), which is a sign of increasing profitability.
| Industry Rank | Sector 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%
1.3 Margins
PSFE has a worse Operating Margin (7.77%) than 63.27% of its industry peers.
PSFE's Operating Margin has declined in the last couple of years.
Looking at the Gross Margin, with a value of 56.58%, PSFE is in the better half of the industry, outperforming 70.41% 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 | 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%
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.
PSFE has a worse debt/assets ratio than last year.
2.2 Solvency
PSFE has an Altman-Z score of -0.13. This is a bad value and indicates that PSFE is not financially healthy and even 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 65.31% 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 60.20% 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 Debt to Equity ratio of 3.50. This is in the lower half of the industry: PSFE underperforms 78.57% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.5 | ||
| Debt/FCF | 23.41 | ||
| Altman-Z | -0.13 |
ROIC/WACC0.46
WACC6.77%
2.3 Liquidity
A Current Ratio of 1.18 indicates that PSFE should not have too much problems paying its short term obligations.
With a Current ratio value of 1.18, PSFE perfoms like the industry average, outperforming 59.18% of the companies in the same industry.
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.
PSFE's Quick ratio of 1.18 is fine compared to the rest of the industry. PSFE outperforms 61.22% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.18 | ||
| Quick Ratio | 1.18 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 636.84% over the past year.
PSFE shows a decrease in Revenue. In the last year, the revenue decreased by -0.95%.
Measured over the past years, PSFE shows a small growth in Revenue. The Revenue has been growing by 3.75% on average per year.
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
PSFE is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 98.81% yearly.
PSFE is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.76% yearly.
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
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 3.98, the valuation of PSFE can be described as very cheap.
96.94% of the companies in the same industry are more expensive than PSFE, based on the Price/Earnings ratio.
PSFE's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.25.
PSFE is valuated cheaply with a Price/Forward Earnings ratio of 3.46.
PSFE's Price/Forward Earnings ratio is rather cheap when compared to the industry. PSFE is cheaper than 97.96% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.98, PSFE is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.98 | ||
| Fwd PE | 3.46 |
4.2 Price Multiples
PSFE's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. PSFE is cheaper than 95.92% 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 95.92% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.37 | ||
| EV/EBITDA | 4.43 |
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.
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%
5. Dividend
5.1 Amount
No dividends for PSFE!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
NYSE:PSFE (1/13/2026, 10:18:36 AM)
8.11
-0.19 (-2.29%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners31.51%
Inst Owner Change0%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap466.00M
Revenue(TTM)1.68B
Net Income(TTM)-123.77M
Analysts53.33
Price Target9.45 (16.52%)
Short Float %9.37%
Short Ratio4.75
Dividend
| Industry Rank | Sector 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)-58.56%
EPS NY rev (1m)0%
EPS NY rev (3m)-22.85%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-3.34%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.19%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.98 | ||
| Fwd PE | 3.46 | ||
| P/S | 0.28 | ||
| P/FCF | 4.37 | ||
| P/OCF | 2.12 | ||
| P/B | 0.66 | ||
| P/tB | N/A | ||
| EV/EBITDA | 4.43 |
EPS(TTM)2.04
EY25.15%
EPS(NY)2.34
Fwd EY28.88%
FCF(TTM)1.86
FCFY22.89%
OCF(TTM)3.83
OCFY47.24%
SpS29.29
BVpS12.36
TBVpS-39.56
PEG (NY)0.01
PEG (5Y)N/A
Graham Number23.82
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | -0.13 |
F-Score5
WACC6.77%
ROIC/WACC0.46
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 2 / 10.