PAYSAFE LTD (PSFE) Stock Fundamental Analysis
USA - NYSE:PSFE - BMG6964L2062 - Common Stock
10.45 USD
+0.05 (+0.48%)
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 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.
In the past 5 years PSFE always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of -1.00%, PSFE is doing worse than 79.59% of the companies in the same industry.
PSFE has a Return On Equity of -6.08%. This is in the lower half of the industry: PSFE underperforms 79.59% of its industry peers.
PSFE's Return On Invested Capital of 2.58% is in line compared to the rest of the industry. PSFE outperforms 51.02% of its industry peers.
The Average Return On Invested Capital over the past 3 years for PSFE is below the industry average of 7.85%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -1% | ||
| ROE | -6.08% | ||
| ROIC | 2.58% |
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 (6.79%) is worse than 64.29% of its industry peers.
PSFE's Operating Margin has declined in the last couple of years.
PSFE's Gross Margin of 56.70% is fine compared to the rest of the industry. PSFE outperforms 71.43% of its industry peers.
PSFE's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 6.79% | ||
| PM (TTM) | N/A | ||
| GM | 56.7% |
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.
The number of shares outstanding for PSFE has been increased compared to 5 years ago.
PSFE has a worse debt/assets ratio than last year.
2.2 Solvency
PSFE has an Altman-Z score of -0.08. This is a bad value and indicates that PSFE is not financially healthy and even has some risk of bankruptcy.
The Altman-Z score of PSFE (-0.08) is worse than 65.31% of its industry peers.
The Debt to FCF ratio of PSFE is 20.92, which is on the high side as it means it would take PSFE, 20.92 years of fcf income to pay off all of its debts.
PSFE has a Debt to FCF ratio of 20.92. This is comparable to the rest of the industry: PSFE outperforms 44.90% of its industry peers.
PSFE has a Debt/Equity ratio of 3.15. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 3.15, PSFE is not doing good in the industry: 76.53% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.15 | ||
| Debt/FCF | 20.92 | ||
| Altman-Z | -0.08 |
ROIC/WACC0.36
WACC7.19%
2.3 Liquidity
A Current Ratio of 1.20 indicates that PSFE should not have too much problems paying its short term obligations.
Looking at the Current ratio, with a value of 1.20, PSFE is in line with its industry, outperforming 59.18% of the companies in the same industry.
A Quick Ratio of 1.20 indicates that PSFE should not have too much problems paying its short term obligations.
The Quick ratio of PSFE (1.20) is better than 61.22% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.2 | ||
| Quick Ratio | 1.2 |
3. Growth
3.1 Past
PSFE shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 638.10%, which is quite impressive.
The Revenue has been growing slightly by 0.47% 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)638.1%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%2400%
Revenue 1Y (TTM)0.47%
Revenue growth 3Y4.66%
Revenue growth 5Y3.75%
Sales Q2Q%-2.66%
3.2 Future
PSFE is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 114.74% yearly.
PSFE is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.24% yearly.
EPS Next Y584.13%
EPS Next 2Y189.71%
EPS Next 3Y114.74%
EPS Next 5YN/A
Revenue Next Year0.63%
Revenue Next 2Y3.82%
Revenue Next 3Y4.24%
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.
4. Valuation
4.1 Price/Earnings Ratio
PSFE is valuated reasonably with a Price/Earnings ratio of 9.25.
67.35% of the companies in the same industry are more expensive than PSFE, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 26.03. PSFE is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 3.46, which 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 97.96% 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 (22.27), we can say PSFE is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.25 | ||
| Fwd PE | 3.46 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of PSFE indicates a rather cheap valuation: PSFE is cheaper than 92.86% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, PSFE is valued cheaper than 94.90% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.04 | ||
| EV/EBITDA | 4.86 |
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 114.74% in the coming years.
PEG (NY)0.02
PEG (5Y)N/A
EPS Next 2Y189.71%
EPS Next 3Y114.74%
5. Dividend
5.1 Amount
PSFE does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NYSE:PSFE (11/5/2025, 1:25:10 PM)
10.45
+0.05 (+0.48%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners38.9%
Inst Owner Change0%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap614.98M
Revenue(TTM)1.68B
Net Income(TTM)-49070000
Analysts53.33
Price Target15.83 (51.48%)
Short Float %6.07%
Short Ratio7.64
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
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)-9.74%
Min EPS beat(2)-18.76%
Max EPS beat(2)-0.73%
EPS beat(4)1
Avg EPS beat(4)-245.29%
Min EPS beat(4)-1035.83%
Max EPS beat(4)74.15%
EPS beat(8)1
Avg EPS beat(8)-194.93%
EPS beat(12)1
Avg EPS beat(12)-203.74%
EPS beat(16)3
Avg EPS beat(16)-1471.46%
Revenue beat(2)0
Avg Revenue beat(2)-1.99%
Min Revenue beat(2)-2.82%
Max Revenue beat(2)-1.16%
Revenue beat(4)0
Avg Revenue beat(4)-2.3%
Min Revenue beat(4)-4.2%
Max Revenue beat(4)-1.03%
Revenue beat(8)2
Avg Revenue beat(8)-1.46%
Revenue beat(12)5
Avg Revenue beat(12)-0.77%
Revenue beat(16)7
Avg Revenue beat(16)-0.92%
PT rev (1m)-0.21%
PT rev (3m)-2.31%
EPS NQ rev (1m)-0.11%
EPS NQ rev (3m)0.19%
EPS NY rev (1m)0.18%
EPS NY rev (3m)1.56%
Revenue NQ rev (1m)-0.01%
Revenue NQ rev (3m)-0.29%
Revenue NY rev (1m)0.06%
Revenue NY rev (3m)0.17%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.25 | ||
| Fwd PE | 3.46 | ||
| P/S | 0.37 | ||
| P/FCF | 5.04 | ||
| P/OCF | 2.64 | ||
| P/B | 0.76 | ||
| P/tB | N/A | ||
| EV/EBITDA | 4.86 |
EPS(TTM)1.13
EY10.81%
EPS(NY)3.02
Fwd EY28.91%
FCF(TTM)2.07
FCFY19.83%
OCF(TTM)3.96
OCFY37.87%
SpS28.49
BVpS13.71
TBVpS-37.68
PEG (NY)0.02
PEG (5Y)N/A
Graham Number18.67
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -1% | ||
| ROE | -6.08% | ||
| ROCE | 3.26% | ||
| ROIC | 2.58% | ||
| ROICexc | 4.07% | ||
| ROICexgc | N/A | ||
| OM | 6.79% | ||
| PM (TTM) | N/A | ||
| GM | 56.7% | ||
| FCFM | 7.27% |
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 Turnover0.34
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.15 | ||
| Debt/FCF | 20.92 | ||
| Debt/EBITDA | 6.55 | ||
| Cap/Depr | 40.49% | ||
| Cap/Sales | 6.62% | ||
| Interest Coverage | 0.86 | ||
| Cash Conversion | 60.03% | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.2 | ||
| Quick Ratio | 1.2 | ||
| Altman-Z | -0.08 |
F-Score5
WACC7.19%
ROIC/WACC0.36
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)638.1%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%2400%
EPS Next Y584.13%
EPS Next 2Y189.71%
EPS Next 3Y114.74%
EPS Next 5YN/A
Revenue 1Y (TTM)0.47%
Revenue growth 3Y4.66%
Revenue growth 5Y3.75%
Sales Q2Q%-2.66%
Revenue Next Year0.63%
Revenue Next 2Y3.82%
Revenue Next 3Y4.24%
Revenue Next 5YN/A
EBIT growth 1Y-31.08%
EBIT growth 3Y20.15%
EBIT growth 5Y-5.55%
EBIT Next Year218.68%
EBIT Next 3Y55.49%
EBIT Next 5YN/A
FCF growth 1Y113.36%
FCF growth 3Y0.33%
FCF growth 5Y-8.23%
OCF growth 1Y128.82%
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 3 / 10 to PSFE.
What is the valuation status for 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 2 / 10.
Can you provide the PE and PB ratios for PSFE stock?
The Price/Earnings (PE) ratio for PAYSAFE LTD (PSFE) is 9.25 and the Price/Book (PB) ratio is 0.76.
How financially healthy is PAYSAFE LTD?
The financial health rating of PAYSAFE LTD (PSFE) is 2 / 10.