PAYSAFE LTD (PSFE) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:PSFE - BMG6964L2062 - Common Stock
7.7746 USD
-0.34 (-4.14%)
PSFE gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 98 industry peers in the Financial Services industry. PSFE has a bad profitability rating. Also its financial health evaluation is rather negative. PSFE may be a bit undervalued, certainly considering the very reasonable score on growth
1. Profitability
1.1 Basic Checks
- PSFE had positive earnings in the past year.
- PSFE had a positive operating cash flow in the past year.
- 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.
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.
- PSFE has a Return On Equity of -17.42%. This is amonst the worse of the industry: PSFE underperforms 82.65% 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 52.04% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital 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
- The Operating Margin of PSFE (7.77%) is worse than 63.27% of its industry peers.
- PSFE's Operating Margin has declined in the last couple of years.
- PSFE's Gross Margin of 56.58% is fine compared to the rest of the industry. PSFE outperforms 70.41% of its industry peers.
- 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
- 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
- Compared to 5 years ago, PSFE has more shares outstanding
- 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 has a Altman-Z score of -0.13. This is in the lower half of the industry: PSFE underperforms 65.31% 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.
- Looking at the Debt to FCF ratio, with a value of 23.41, PSFE is doing worse than 60.20% of the companies in the same industry.
- PSFE has a Debt/Equity ratio of 3.50. This is a high value indicating a heavy dependency on external financing.
- PSFE has a worse Debt to Equity ratio (3.50) than 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
WACC6.73%
2.3 Liquidity
- PSFE has a Current 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.
- Looking at the Current ratio, with a value of 1.18, PSFE is in line with its industry, outperforming 59.18% of the companies in the same industry.
- A Quick Ratio of 1.18 indicates that PSFE should not have too much problems paying its short term obligations.
- The Quick ratio of PSFE (1.18) is better than 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.
- The Revenue has decreased by -0.95% in the past year.
- 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
- Based on estimates for the next years, PSFE will show a very strong growth in Earnings Per Share. The EPS will grow by 98.81% on average per year.
- 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
- 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
- The Price/Earnings ratio is 3.81, which indicates a rather cheap valuation of PSFE.
- Based on the Price/Earnings ratio, PSFE is valued cheaper than 96.94% of the companies in the same industry.
- PSFE's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.33.
- With a Price/Forward Earnings ratio of 3.32, the valuation of PSFE can be described as very cheap.
- Based on the Price/Forward Earnings ratio, PSFE is valued cheaper than 97.96% of the companies in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.12, PSFE is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.81 | ||
| Fwd PE | 3.32 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, PSFE is valued cheaply inside the industry as 95.92% of the companies are valued more expensively.
- 95.92% of the companies in the same industry are more expensive than PSFE, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.19 | ||
| EV/EBITDA | 4.4 |
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 (1/15/2026, 11:52:04 AM)
7.7746
-0.34 (-4.14%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-13 2025-11-13/bmo
Earnings (Next)03-04 2026-03-04/bmo
Inst Owners31.51%
Inst Owner Change0%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap446.73M
Revenue(TTM)1.68B
Net Income(TTM)-123.77M
Analysts53.33
Price Target9.45 (21.55%)
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 | 3.81 | ||
| Fwd PE | 3.32 | ||
| P/S | 0.27 | ||
| P/FCF | 4.19 | ||
| P/OCF | 2.03 | ||
| P/B | 0.63 | ||
| P/tB | N/A | ||
| EV/EBITDA | 4.4 |
EPS(TTM)2.04
EY26.24%
EPS(NY)2.34
Fwd EY30.12%
FCF(TTM)1.86
FCFY23.88%
OCF(TTM)3.83
OCFY49.28%
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
WACC6.73%
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.