PAYSAFE LTD (PSFE) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:PSFE • BMG6964L2062

7.11 USD
+0.57 (+8.72%)
At close: Feb 6, 2026
7 USD
-0.11 (-1.55%)
After Hours: 2/6/2026, 8:04:00 PM
Fundamental Rating

4

PSFE gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 97 industry peers in the Financial Services industry. PSFE may be in some trouble as it scores bad on both profitability and health. PSFE may be a bit undervalued, certainly considering the very reasonable score on growth


Dividend Valuation Growth Profitability Health

3

1. Profitability

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.
  • In the past 5 years PSFE always reported a positive cash flow from operatings.
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 0 500M -500M -1B -1.5B

1.2 Ratios

  • Looking at the Return On Assets, with a value of -2.64%, PSFE is doing worse than 81.44% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of -17.42%, PSFE is doing worse than 82.47% of the companies in the same industry.
  • PSFE has a Return On Invested Capital of 3.11%. This is comparable to the rest of the industry: PSFE outperforms 51.55% 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 8.54%.
  • The 3 year average ROIC (2.93%) for PSFE is below the current ROIC(3.11%), indicating increased profibility in the last year.
Industry RankSector 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%
PSFE Yearly ROA, ROE, ROICPSFE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 2023 2024 0 -50 -100 -150 -200

1.3 Margins

  • PSFE's Operating Margin of 7.77% is on the low side compared to the rest of the industry. PSFE is outperformed by 63.92% of its industry peers.
  • PSFE's Operating Margin has declined in the last couple of years.
  • PSFE has a Gross Margin of 56.58%. This is in the better half of the industry: PSFE outperforms 70.10% of its industry peers.
  • PSFE's Gross Margin has declined in the last couple of years.
Industry RankSector 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%
PSFE Yearly Profit, Operating, Gross MarginsPSFE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 2023 2024 0 50 -50 -100

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), 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 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 2B 4B 6B

2.2 Solvency

  • PSFE has an Altman-Z score of -0.14. 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 -0.14, PSFE is doing worse than 64.95% of the companies in the same industry.
  • 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.
  • Looking at the Debt to FCF ratio, with a value of 23.41, PSFE is in line with its industry, outperforming 40.21% 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.
  • With a Debt to Equity ratio value of 3.50, PSFE is not doing good in the industry: 77.32% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 3.5
Debt/FCF 23.41
Altman-Z -0.14
ROIC/WACC0.48
WACC6.54%
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 0 1B 2B 3B

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.
  • The Current ratio of PSFE (1.18) is comparable to the rest of the industry.
  • A Quick Ratio of 1.18 indicates that PSFE should not have too much problems paying its short term obligations.
  • PSFE's Quick ratio of 1.18 is fine compared to the rest of the industry. PSFE outperforms 61.86% of its industry peers.
Industry RankSector Rank
Current Ratio 1.18
Quick Ratio 1.18
PSFE Yearly Current Assets VS Current LiabilitesPSFE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

More info and screens

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

4

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.
  • PSFE shows a decrease in Revenue. In the last year, the revenue decreased by -0.95%.
  • The Revenue has been growing slightly by 3.75% on average over the past years.
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.
  • The Revenue is expected to grow by 3.76% on average over the next years.
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

  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
PSFE Yearly Revenue VS EstimatesPSFE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 500M 1B 1.5B
PSFE Yearly EPS VS EstimatesPSFE Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 0 -10 -20 -30

More info and screens

Find the best growth stocksShow best growing peers

9

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 3.49, the valuation of PSFE can be described as very cheap.
  • PSFE's Price/Earnings ratio is rather cheap when compared to the industry. PSFE is cheaper than 98.97% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of PSFE to the average of the S&P500 Index (27.92), we can say PSFE is valued rather cheaply.
  • The Price/Forward Earnings ratio is 3.04, which indicates a rather cheap valuation of PSFE.
  • Based on the Price/Forward Earnings ratio, PSFE is valued cheaper than 100.00% of the companies in the same industry.
  • PSFE's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.78.
Industry RankSector Rank
PE 3.49
Fwd PE 3.04
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

  • 95.88% of the companies in the same industry are more expensive than PSFE, based on the Enterprise Value to EBITDA ratio.
  • PSFE's Price/Free Cash Flow ratio is rather cheap when compared to the industry. PSFE is cheaper than 96.91% of the companies in the same industry.
Industry RankSector Rank
P/FCF 3.83
EV/EBITDA 4.18
PSFE Per share dataPSFE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 -20

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 98.81% in the coming years.
PEG (NY)0.01
PEG (5Y)N/A
EPS Next 2Y155.05%
EPS Next 3Y98.81%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

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

More info and screens

Find the best dividend stocksShow peers with best dividend

PAYSAFE LTD

NYSE:PSFE (2/6/2026, 8:04:00 PM)

After market: 7 -0.11 (-1.55%)

7.11

+0.57 (+8.72%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-13
Earnings (Next)03-04
Inst Owners31.51%
Inst Owner Change0%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap408.54M
Revenue(TTM)1.68B
Net Income(TTM)-123.77M
Analysts53.33
Price Target9.45 (32.91%)
Short Float %7.78%
Short Ratio4.38
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)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)-58.78%
EPS NY rev (1m)0%
EPS NY rev (3m)-22.99%
Revenue NQ rev (1m)0.01%
Revenue NQ rev (3m)-3.36%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.25%
Valuation
Industry RankSector Rank
PE 3.49
Fwd PE 3.04
P/S 0.24
P/FCF 3.83
P/OCF 1.86
P/B 0.58
P/tB N/A
EV/EBITDA 4.18
EPS(TTM)2.04
EY28.69%
EPS(NY)2.34
Fwd EY32.94%
FCF(TTM)1.86
FCFY26.11%
OCF(TTM)3.83
OCFY53.88%
SpS29.29
BVpS12.36
TBVpS-39.56
PEG (NY)0.01
PEG (5Y)N/A
Graham Number23.82
Profitability
Industry RankSector 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 RankSector 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 -0.14
F-Score5
WACC6.54%
ROIC/WACC0.48
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 3 / 10.