PAYSAFE LTD (PSFE) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:PSFE - BMG6964L2062 - Common Stock
6.91 USD
-0.25 (-3.49%)
6.9592 USD
+0.05 (+0.71%)
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
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.
- 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
- The Return On Assets of PSFE (-2.64%) is worse than 81.44% of its industry peers.
- 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.
- The Average Return On Invested Capital over the past 3 years for PSFE is significantly below the industry average of 8.44%.
- The 3 year average ROIC (2.93%) for PSFE is below the current ROIC(3.11%), indicating increased profibility in the last year.
| 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 63.92% of its industry peers.
- PSFE's Operating Margin has declined in the last couple of years.
- PSFE has a better Gross Margin (56.58%) than 70.10% 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
- With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), PSFE is destroying value.
- Compared to 1 year ago, PSFE has less shares outstanding
- Compared to 5 years ago, PSFE has more shares outstanding
- The debt/assets ratio for PSFE is higher compared to a year ago.
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.
- 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.
- PSFE has a Debt to FCF ratio of 23.41. This is comparable to the rest of the industry: PSFE outperforms 40.21% 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 worse Debt to Equity ratio (3.50) than 78.35% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.5 | ||
| Debt/FCF | 23.41 | ||
| Altman-Z | -0.14 |
ROIC/WACC0.48
WACC6.5%
2.3 Liquidity
- A Current Ratio of 1.18 indicates that PSFE should not have too much problems paying its short term obligations.
- PSFE has a Current ratio (1.18) which is in line with its industry peers.
- 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.
- With a decent Quick ratio value of 1.18, PSFE is doing good in the industry, outperforming 61.86% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.18 | ||
| Quick Ratio | 1.18 |
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
- The Earnings Per Share is expected to grow by 98.81% on average over the next years. This is a very strong growth
- 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
- 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
- A Price/Earnings ratio of 3.39 indicates a rather cheap valuation of PSFE.
- Compared to the rest of the industry, the Price/Earnings ratio of PSFE indicates a rather cheap valuation: PSFE is cheaper than 96.91% of the companies listed in the same industry.
- When comparing the Price/Earnings ratio of PSFE to the average of the S&P500 Index (26.94), we can say PSFE is valued rather cheaply.
- PSFE is valuated cheaply with a Price/Forward Earnings ratio of 2.95.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of PSFE indicates a rather cheap valuation: PSFE is cheaper than 98.97% of the companies listed in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 23.94. PSFE is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.39 | ||
| Fwd PE | 2.95 |
4.2 Price Multiples
- PSFE's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. PSFE is cheaper than 95.88% 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 96.91% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.72 | ||
| EV/EBITDA | 4.27 |
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% |
6.91
-0.25 (-3.49%)
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 Cap397.05M
Revenue(TTM)1.68B
Net Income(TTM)-123.77M
Analysts53.33
Price Target9.45 (36.76%)
Short Float %7.86%
Short Ratio3.72
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 | 3.39 | ||
| Fwd PE | 2.95 | ||
| P/S | 0.24 | ||
| P/FCF | 3.72 | ||
| P/OCF | 1.8 | ||
| P/B | 0.56 | ||
| P/tB | N/A | ||
| EV/EBITDA | 4.27 |
EPS(TTM)2.04
EY29.52%
EPS(NY)2.34
Fwd EY33.89%
FCF(TTM)1.86
FCFY26.86%
OCF(TTM)3.83
OCFY55.44%
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 | -0.14 |
F-Score5
WACC6.5%
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.