PAYSAFE LTD (PSFE) Fundamental Analysis & Valuation

NYSE:PSFE • BMG6964L2062

Current stock price

6.62 USD
-0.26 (-3.78%)
At close:
6.6 USD
-0.02 (-0.3%)
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

  • 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 2025 0 500M -500M -1B -1.5B

1.2 Ratios

  • PSFE has a Return On Assets of -3.80%. This is amonst the worse of the industry: PSFE underperforms 80.00% of its industry peers.
  • Looking at the Return On Equity, with a value of -27.86%, PSFE is doing worse than 78.00% of the companies in the same industry.
  • PSFE's Return On Invested Capital of 2.85% is in line compared to the rest of the industry. PSFE outperforms 52.00% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for PSFE is below the industry average of 8.07%.
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

  • The Operating Margin of PSFE (7.20%) is comparable to the rest of the industry.
  • PSFE's Operating Margin has declined in the last couple of years.
  • The Gross Margin of PSFE (56.44%) is better than 72.00% of its industry peers.
  • In the last couple of years the Gross Margin of PSFE has declined.
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

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3

2. PSFE Health Analysis

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
  • PSFE has a worse debt/assets ratio than last year.
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 -0.13, we must say that PSFE is in the distress zone and has some risk of bankruptcy.
  • PSFE has a Altman-Z score of -0.13. This is in the lower half of the industry: PSFE underperforms 63.00% 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.
  • PSFE has a Debt to FCF ratio (20.21) which is comparable to the rest of the industry.
  • PSFE has a Debt/Equity ratio of 3.98. This is a high value indicating a heavy dependency on external financing.
  • PSFE has a Debt to Equity ratio of 3.98. This is in the lower half of the industry: PSFE underperforms 76.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.98
Debt/FCF 20.21
Altman-Z -0.13
ROIC/WACC0.5
WACC5.66%
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

  • PSFE has a Current 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.
  • PSFE has a Current ratio of 1.24. This is in the better half of the industry: PSFE outperforms 61.00% 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.
  • PSFE has a better Quick ratio (1.24) than 63.00% of its industry peers.
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

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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.
  • PSFE shows a decrease in Revenue. In the last year, the revenue decreased by -0.20%.
  • The Revenue has been growing slightly by 3.59% on average over the past years.
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.
  • Based on estimates for the next years, PSFE will show a small growth in Revenue. The Revenue will grow by 4.97% on average per year.
EPS Next Y19.48%
EPS Next 2Y20.14%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.98%
Revenue Next 2Y6.14%
Revenue Next 3Y4.97%
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 2028 500M 1B 1.5B 2B
PSFE Yearly EPS VS EstimatesPSFE Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 0 -10 -20 -30

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Find the best growth stocksShow best growing peers

9

4. PSFE Valuation Analysis

4.1 Price/Earnings Ratio

  • PSFE is valuated cheaply with a Price/Earnings ratio of 3.38.
  • Compared to the rest of the industry, the Price/Earnings ratio of PSFE indicates a rather cheap valuation: PSFE is cheaper than 97.00% of the companies listed in the same industry.
  • PSFE is valuated cheaply when we compare the Price/Earnings ratio to 24.88, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 2.83, which indicates a rather cheap valuation of PSFE.
  • 99.00% of the companies in the same industry are more expensive than PSFE, based on the Price/Forward Earnings ratio.
  • The average S&P500 Price/Forward Earnings ratio is at 22.19. PSFE is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 3.38
Fwd PE 2.83
PSFE Price Earnings VS Forward Price EarningsPSFE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, PSFE is valued cheaply inside the industry as 95.00% of the companies are valued more expensively.
  • Based on the Price/Free Cash Flow ratio, PSFE is valued cheaper than 98.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF 2.64
EV/EBITDA 4.08
PSFE Per share dataPSFE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 -20 -40

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)0.17
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

  • PSFE does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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PSFE Fundamentals: All Metrics, Ratios and Statistics

PAYSAFE LTD

NYSE:PSFE (3/27/2026, 8:04:00 PM)

After market: 6.6 -0.02 (-0.3%)

6.62

-0.26 (-3.78%)

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 Change-1.36%
Market Cap342.12M
Revenue(TTM)1.70B
Net Income(TTM)-182.51M
Analysts53.33
Price Target9.08 (37.16%)
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)-14.11%
EPS NQ rev (3m)-14.11%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)-0.72%
Revenue NQ rev (3m)-0.72%
Revenue NY rev (1m)-0.22%
Revenue NY rev (3m)-0.22%
Valuation
Industry RankSector Rank
PE 3.38
Fwd PE 2.83
P/S 0.2
P/FCF 2.64
P/OCF 1.45
P/B 0.52
P/tB N/A
EV/EBITDA 4.08
EPS(TTM)1.96
EY29.61%
EPS(NY)2.34
Fwd EY35.37%
FCF(TTM)2.5
FCFY37.82%
OCF(TTM)4.57
OCFY69.03%
SpS32.92
BVpS12.67
TBVpS-44.41
PEG (NY)0.17
PEG (5Y)N/A
Graham Number23.64
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 -0.13
F-Score4
WACC5.66%
ROIC/WACC0.5
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 Year5.98%
Revenue Next 2Y6.14%
Revenue Next 3Y4.97%
Revenue Next 5YN/A
EBIT growth 1Y-12.64%
EBIT growth 3Y14.86%
EBIT growth 5Y-4.92%
EBIT Next Year293.12%
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 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 2 / 10.


Can you provide the financial health for PSFE stock?

The financial health rating of PAYSAFE LTD (PSFE) is 3 / 10.