PAYSAFE LTD (PSFE) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:PSFE - BMG6964L2062 - Common Stock
8.22 USD
+0.03 (+0.37%)
8.22 USD
0 (0%)
Overall PSFE gets a fundamental rating of 4 out of 10. We evaluated PSFE against 98 industry peers in the Financial Services industry. PSFE may be in some trouble as it scores bad on both profitability and health. A decent growth rate in combination with a cheap valuation! Better keep an eye on PSFE.
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.
Each year in the past 5 years PSFE had a positive operating cash flow.
1.2 Ratios
PSFE's Return On Assets of -1.00% is on the low side compared to the rest of the industry. PSFE is outperformed by 79.59% of its industry peers.
The Return On Equity of PSFE (-6.08%) is worse than 79.59% of its industry peers.
PSFE has a Return On Invested Capital of 2.58%. This is comparable to the rest of the industry: PSFE outperforms 46.94% of its industry peers.
The Average Return On Invested Capital over the past 3 years for PSFE is significantly below the industry average of 8.20%.
| 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 65.31% 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.
In the last couple of years the Gross Margin of PSFE has declined.
| 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.
Compared to 1 year ago, PSFE has less shares outstanding
The number of shares outstanding for PSFE has been increased compared to 5 years ago.
Compared to 1 year ago, PSFE has a worse debt to assets ratio.
2.2 Solvency
PSFE has an Altman-Z score of -0.10. 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 -0.10, PSFE is doing worse than 66.33% of the companies in the same industry.
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.
With a Debt to FCF ratio value of 20.92, PSFE perfoms like the industry average, outperforming 40.82% of the companies in the same industry.
A Debt/Equity ratio of 3.15 is on the high side and indicates that PSFE has dependencies on debt financing.
Looking at the Debt to Equity ratio, with a value of 3.15, PSFE is doing worse than 76.53% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.15 | ||
| Debt/FCF | 20.92 | ||
| Altman-Z | -0.1 |
ROIC/WACC0.38
WACC6.75%
2.3 Liquidity
PSFE has a Current Ratio of 1.20. This is a normal value and indicates that PSFE is financially healthy and should not expect problems in meeting its short term obligations.
PSFE has a Current ratio of 1.20. This is comparable to the rest of the industry: PSFE outperforms 59.18% of its industry peers.
PSFE has a Quick Ratio of 1.20. This is a normal value and indicates that PSFE is financially healthy and should not expect problems in meeting 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
The Earnings Per Share has grown by an impressive 636.84% over the past year.
The Revenue has been growing slightly by 6.48% in the past year.
PSFE shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.75% yearly.
EPS 1Y (TTM)636.84%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%433.33%
Revenue 1Y (TTM)6.48%
Revenue growth 3Y4.66%
Revenue growth 5Y3.75%
Sales Q2Q%1.57%
3.2 Future
The Earnings Per Share is expected to grow by 114.74% on average over the next years. This is a very strong growth
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 cheaply with a Price/Earnings ratio of 4.03.
Compared to the rest of the industry, the Price/Earnings ratio of PSFE indicates a rather cheap valuation: PSFE is cheaper than 96.94% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of PSFE to the average of the S&P500 Index (26.46), we can say PSFE is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 2.72, the valuation of PSFE can be described as very cheap.
100.00% of the companies in the same industry are more expensive than PSFE, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of PSFE to the average of the S&P500 Index (36.10), we can say PSFE is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.03 | ||
| Fwd PE | 2.72 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, PSFE is valued cheaply inside the industry as 94.90% of the companies are valued more expensively.
Based on the Price/Free Cash Flow ratio, PSFE is valued cheaper than 95.92% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.87 | ||
| EV/EBITDA | 4.49 |
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.
PSFE's earnings are expected to grow with 114.74% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.01
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 |
8.22
+0.03 (+0.37%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners34.09%
Inst Owner Change-30.24%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap472.32M
Revenue(TTM)1.70B
Net Income(TTM)-49.07M
Analysts53.33
Price Target9.45 (14.96%)
Short Float %8.06%
Short Ratio5.23
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)-31.3%
PT rev (3m)-31.3%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)1.01%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.22%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.06%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.03 | ||
| Fwd PE | 2.72 | ||
| P/S | 0.28 | ||
| P/FCF | 3.87 | ||
| P/OCF | 2.03 | ||
| P/B | 0.59 | ||
| P/tB | N/A | ||
| EV/EBITDA | 4.49 |
EPS(TTM)2.04
EY24.82%
EPS(NY)3.02
Fwd EY36.76%
FCF(TTM)2.12
FCFY25.82%
OCF(TTM)4.05
OCFY49.31%
SpS29.17
BVpS14.04
TBVpS-38.59
PEG (NY)0.01
PEG (5Y)N/A
Graham Number25.39
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 | -0.1 |
F-Score5
WACC6.75%
ROIC/WACC0.38
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 Y584.13%
EPS Next 2Y189.71%
EPS Next 3Y114.74%
EPS Next 5YN/A
Revenue 1Y (TTM)6.48%
Revenue growth 3Y4.66%
Revenue growth 5Y3.75%
Sales Q2Q%1.57%
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 4 / 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 4.03 and the Price/Book (PB) ratio is 0.59.
How financially healthy is PAYSAFE LTD?
The financial health rating of PAYSAFE LTD (PSFE) is 3 / 10.