PAYSAFE LTD (PSFE) Fundamental Analysis & Valuation

NYSE:PSFE • BMG6964L2062

Current stock price

7.23 USD
+0.24 (+3.43%)
At close:
7.26 USD
+0.03 (+0.41%)
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

  • In the past year PSFE was profitable.
  • PSFE had a positive operating cash flow in the past year.
  • PSFE had negative earnings in 4 of the past 5 years.
  • PSFE had a positive operating cash flow in each of the past 5 years.
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

  • With a Return On Assets value of -3.80%, PSFE is not doing good in the industry: 81.63% of the companies in the same industry are doing better.
  • PSFE has a Return On Equity of -27.86%. This is in the lower half of the industry: PSFE underperforms 79.59% of its industry peers.
  • 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 8.22%.
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

  • With a Operating Margin value of 7.20%, PSFE perfoms like the industry average, outperforming 41.84% of the companies in the same industry.
  • In the last couple of years the Operating Margin of PSFE has declined.
  • PSFE has a Gross Margin of 56.44%. This is in the better half of the industry: PSFE outperforms 71.43% 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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

2

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.
  • PSFE has more shares outstanding than it did 5 years ago.
  • 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 -0.12, we must say that PSFE is in the distress zone and has some risk of bankruptcy.
  • PSFE's Altman-Z score of -0.12 is on the low side compared to the rest of the industry. PSFE is outperformed by 64.29% of its industry peers.
  • The Debt to FCF ratio of PSFE is 20.21, which is on the high side as it means it would take PSFE, 20.21 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 20.21, PSFE is doing worse than 60.20% of the companies in the same industry.
  • A Debt/Equity ratio of 3.98 is on the high side and indicates that PSFE has dependencies on debt financing.
  • With a Debt to Equity ratio value of 3.98, PSFE is not doing good in the industry: 78.57% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 3.98
Debt/FCF 20.21
Altman-Z -0.12
ROIC/WACC0.48
WACC5.93%
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

  • A Current Ratio of 1.24 indicates that PSFE should not have too much problems paying its short term obligations.
  • PSFE's Current ratio of 1.24 is fine compared to the rest of the industry. PSFE outperforms 60.20% 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.
  • With a decent Quick ratio value of 1.24, PSFE is doing good in the industry, outperforming 62.24% of the companies in the same industry.
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

More info and screens

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.
  • Looking at the last year, PSFE shows a decrease in Revenue. The Revenue has decreased by -0.20% in the last 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

  • PSFE is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 20.14% yearly.
  • The Revenue is expected to grow by 6.03% on average over the next years.
EPS Next Y19.48%
EPS Next 2Y20.14%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.21%
Revenue Next 2Y6.03%
Revenue Next 3YN/A
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 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. PSFE Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 3.69, the valuation of PSFE can be described as very cheap.
  • 95.92% of the companies in the same industry are more expensive than PSFE, based on the Price/Earnings ratio.
  • When comparing the Price/Earnings ratio of PSFE to the average of the S&P500 Index (26.11), we can say PSFE is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 3.09, the valuation of PSFE can be described as very cheap.
  • 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 (24.12), we can say PSFE is valued rather cheaply.
Industry RankSector Rank
PE 3.69
Fwd PE 3.09
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

  • 95.92% 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 97.96% of the companies in the same industry.
Industry RankSector Rank
P/FCF 3.21
EV/EBITDA 4.19
PSFE Per share dataPSFE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 -20

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.
  • A more expensive valuation may be justified as PSFE's earnings are expected to grow with 20.14% in the coming years.
PEG (NY)0.19
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

  • No dividends for PSFE!.
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 (3/17/2026, 8:04:00 PM)

After market: 7.26 +0.03 (+0.41%)

7.23

+0.24 (+3.43%)

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 ChangeN/A
Market Cap415.44M
Revenue(TTM)1.70B
Net Income(TTM)-182.51M
Analysts53.33
Price Target9.08 (25.59%)
Short Float %9.14%
Short Ratio5.6
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)0%
PT rev (3m)-3.96%
EPS NQ rev (1m)-13.8%
EPS NQ rev (3m)-13.8%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)-0.52%
Revenue NQ rev (3m)-0.52%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 3.69
Fwd PE 3.09
P/S 0.24
P/FCF 3.21
P/OCF 1.76
P/B 0.63
P/tB N/A
EV/EBITDA 4.19
EPS(TTM)1.96
EY27.11%
EPS(NY)2.34
Fwd EY32.39%
FCF(TTM)2.25
FCFY31.15%
OCF(TTM)4.11
OCFY56.85%
SpS29.61
BVpS11.4
TBVpS-39.95
PEG (NY)0.19
PEG (5Y)N/A
Graham Number22.42
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 -0.12
F-Score4
WACC5.93%
ROIC/WACC0.48
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 Year6.21%
Revenue Next 2Y6.03%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-12.64%
EBIT growth 3Y14.86%
EBIT growth 5Y-4.92%
EBIT Next Year310.34%
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 3 / 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 2 / 10.


Can you provide the financial health for PSFE stock?

The financial health rating of PAYSAFE LTD (PSFE) is 2 / 10.