PAYSAFE LTD (PSFE) Fundamental Analysis & Valuation

NYSE:PSFE • BMG6964L2062

Current stock price

6.71 USD
-0.1 (-1.47%)
At close:
6.71 USD
0 (0%)
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.
  • 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.
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

  • PSFE's Return On Assets of -3.80% is on the low side compared to the rest of the industry. PSFE is outperformed by 81.00% of its industry peers.
  • With a Return On Equity value of -27.86%, PSFE is not doing good in the industry: 79.00% of the companies in the same industry are doing better.
  • PSFE has a Return On Invested Capital (2.85%) which is in line with its industry peers.
  • PSFE had an Average Return On Invested Capital over the past 3 years of 3.29%. This is below the industry average of 8.06%.
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

  • PSFE's Operating Margin of 7.20% is in line compared to the rest of the industry. PSFE outperforms 42.00% of its industry peers.
  • In the last couple of years the Operating Margin of PSFE has declined.
  • The Gross Margin of PSFE (56.44%) is better than 72.00% of its industry peers.
  • 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

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so 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
  • The debt/assets ratio for PSFE is higher compared to a year ago.
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.
  • The Altman-Z score of PSFE (-0.13) is worse than 64.00% of its industry peers.
  • PSFE has a debt to FCF ratio of 20.21. This is a negative value and a sign of low solvency as PSFE would need 20.21 years to pay back of all of its debts.
  • The Debt to FCF ratio of PSFE (20.21) is comparable to the rest of the industry.
  • A Debt/Equity ratio of 3.98 is on the high side and indicates that PSFE has dependencies on debt financing.
  • PSFE's Debt to Equity ratio of 3.98 is on the low side compared to the rest of the industry. PSFE is outperformed by 77.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.98
Debt/FCF 20.21
Altman-Z -0.13
ROIC/WACC0.5
WACC5.68%
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

  • PSFE has a Current Ratio of 1.24. This is a normal value and indicates that PSFE is financially healthy and should not expect problems in meeting its short term obligations.
  • The Current ratio of PSFE (1.24) is better than 61.00% of its industry peers.
  • PSFE has a Quick Ratio of 1.24. 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 Quick ratio of 1.24. This is in the better half of the industry: PSFE outperforms 63.00% of its industry peers.
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.
  • The Revenue has decreased by -0.20% in the past year.
  • Measured over the past years, PSFE shows a small growth in Revenue. The Revenue has been growing by 3.59% on average per year.
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

  • Based on estimates for the next years, PSFE will show a very strong growth in Earnings Per Share. The EPS will grow by 20.14% on average per year.
  • 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

  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
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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Find the best growth stocksShow best growing peers

9

4. PSFE Valuation Analysis

4.1 Price/Earnings Ratio

  • PSFE is valuated cheaply with a Price/Earnings ratio of 3.42.
  • Based on the Price/Earnings ratio, PSFE is valued cheaply inside the industry as 96.00% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Earnings ratio of 25.51, PSFE is valued rather cheaply.
  • A Price/Forward Earnings ratio of 2.87 indicates a rather cheap valuation of PSFE.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of PSFE indicates a rather cheap valuation: PSFE is cheaper than 98.00% of the companies listed in the same industry.
  • When comparing the Price/Forward Earnings ratio of PSFE to the average of the S&P500 Index (22.76), we can say PSFE is valued rather cheaply.
Industry RankSector Rank
PE 3.42
Fwd PE 2.87
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

  • 95.00% of the companies in the same industry are more expensive than PSFE, based on the Enterprise Value to EBITDA ratio.
  • Based on the Price/Free Cash Flow ratio, PSFE is valued cheaper than 98.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF 2.68
EV/EBITDA 4.05
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)0.18
PEG (5Y)N/A
EPS Next 2Y20.14%
EPS Next 3YN/A

More info and screens

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%

More info and screens

Find the best dividend stocksShow peers with best dividend

PSFE Fundamentals: All Metrics, Ratios and Statistics

PAYSAFE LTD

NYSE:PSFE (4/1/2026, 8:04:00 PM)

After market: 6.71 0 (0%)

6.71

-0.1 (-1.47%)

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 Cap346.77M
Revenue(TTM)1.70B
Net Income(TTM)-182.51M
Analysts53.33
Price Target8.76 (30.55%)
Short Float %12.24%
Short Ratio6.51
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 3.42
Fwd PE 2.87
P/S 0.2
P/FCF 2.68
P/OCF 1.47
P/B 0.53
P/tB N/A
EV/EBITDA 4.05
EPS(TTM)1.96
EY29.21%
EPS(NY)2.34
Fwd EY34.9%
FCF(TTM)2.5
FCFY37.31%
OCF(TTM)4.57
OCFY68.1%
SpS32.92
BVpS12.67
TBVpS-44.41
PEG (NY)0.18
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
WACC5.68%
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.


How profitable is PAYSAFE LTD (PSFE) stock?

PAYSAFE LTD (PSFE) has a profitability rating of 2 / 10.


What are the PE and PB ratios of PAYSAFE LTD (PSFE) stock?

The Price/Earnings (PE) ratio for PAYSAFE LTD (PSFE) is 3.42 and the Price/Book (PB) ratio is 0.53.


Can you provide the expected EPS growth for PSFE stock?

The Earnings per Share (EPS) of PAYSAFE LTD (PSFE) is expected to grow by 19.48% in the next year.