Logo image of PSFE

PAYSAFE LTD (PSFE) Stock Fundamental Analysis

NYSE:PSFE - New York Stock Exchange, Inc. - BMG6964L2062 - Common Stock - Currency: USD

19.23  -0.39 (-1.99%)

After market: 19.23 0 (0%)

Fundamental Rating

3

PSFE gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 101 industry peers in the Financial Services industry. Both the profitability and financial health of PSFE have multiple concerns. PSFE has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

Quickly go to:

3

1. Profitability

1.1 Basic Checks

PSFE had negative earnings in the past year.
In the past year PSFE had a positive cash flow from operations.
In the past 5 years PSFE always reported negative net income.
Each year in the past 5 years PSFE had a positive operating cash flow.
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 0 500M -500M -1B -1.5B

1.2 Ratios

PSFE has a Return On Assets of -0.48%. This is in the lower half of the industry: PSFE underperforms 79.21% of its industry peers.
The Return On Equity of PSFE (-2.68%) is worse than 76.24% of its industry peers.
PSFE has a Return On Invested Capital (3.60%) which is in line with its industry peers.
The Average Return On Invested Capital over the past 3 years for PSFE is significantly below the industry average of 7.75%.
The last Return On Invested Capital (3.60%) for PSFE is above the 3 year average (2.21%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA -0.48%
ROE -2.68%
ROIC 3.6%
ROA(3y)-11.06%
ROA(5y)-7.28%
ROE(3y)-74.44%
ROE(5y)-47.05%
ROIC(3y)2.21%
ROIC(5y)2.29%
PSFE Yearly ROA, ROE, ROICPSFE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 2023 0 -50 -100 -150 -200

1.3 Margins

PSFE's Operating Margin of 9.19% is in line compared to the rest of the industry. PSFE outperforms 41.58% of its industry peers.
In the last couple of years the Operating Margin of PSFE has declined.
PSFE's Gross Margin of 58.46% is fine compared to the rest of the industry. PSFE outperforms 73.27% of its industry peers.
PSFE's Gross Margin has declined in the last couple of years.
Industry RankSector Rank
OM 9.19%
PM (TTM) N/A
GM 58.46%
OM growth 3Y-2.03%
OM growth 5Y-7.36%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-2.14%
GM growth 5Y-2.28%
PSFE Yearly Profit, Operating, Gross MarginsPSFE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 2023 0 50 -50 -100

More info and screens

3

2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so PSFE is destroying value.
Compared to 1 year ago, PSFE has more shares outstanding
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 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 2B 4B 6B

2.2 Solvency

Based on the Altman-Z score of 0.03, we must say that PSFE is in the distress zone and has some risk of bankruptcy.
PSFE has a worse Altman-Z score (0.03) than 65.35% of its industry peers.
The Debt to FCF ratio of PSFE is 3.56, which is a good value as it means it would take PSFE, 3.56 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of PSFE (3.56) is better than 68.32% of its industry peers.
PSFE has a Debt/Equity ratio of 2.76. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of PSFE (2.76) is worse than 74.26% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.76
Debt/FCF 3.56
Altman-Z 0.03
ROIC/WACC0.48
WACC7.56%
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 0 1B 2B 3B

2.3 Liquidity

A Current Ratio of 1.14 indicates that PSFE should not have too much problems paying its short term obligations.
With a Current ratio value of 1.14, PSFE perfoms like the industry average, outperforming 58.42% of the companies in the same industry.
PSFE has a Quick Ratio of 1.14. This is a normal value and indicates that PSFE is financially healthy and should not expect problems in meeting its short term obligations.
Looking at the Quick ratio, with a value of 1.14, PSFE is in line with its industry, outperforming 59.41% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.14
Quick Ratio 1.14
PSFE Yearly Current Assets VS Current LiabilitesPSFE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 500M 1B 1.5B 2B

More info and screens

4

3. Growth

3.1 Past

PSFE shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 44.93%, which is quite impressive.
The Revenue has grown by 8.23% in the past year. This is quite good.
PSFE shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.02% yearly.
EPS 1Y (TTM)44.93%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-425%
Revenue 1Y (TTM)8.23%
Revenue growth 3Y3.92%
Revenue growth 5Y7.02%
Sales Q2Q%7.74%

3.2 Future

PSFE is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 94.00% yearly.
Based on estimates for the next years, PSFE will show a small growth in Revenue. The Revenue will grow by 6.67% on average per year.
EPS Next Y90.73%
EPS Next 2Y119.61%
EPS Next 3Y94%
EPS Next 5YN/A
Revenue Next Year7.66%
Revenue Next 2Y7.27%
Revenue Next 3Y6.67%
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.
PSFE Yearly Revenue VS EstimatesPSFE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 500M 1B 1.5B
PSFE Yearly EPS VS EstimatesPSFE Yearly EPS VS EstimatesYearly EPS VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 0 -10 -20 -30

More info and screens

5

4. Valuation

4.1 Price/Earnings Ratio

PSFE reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
With a Price/Forward Earnings ratio of 20.64, PSFE is valued on the expensive side.
The rest of the industry has a similar Price/Forward Earnings ratio as PSFE.
The average S&P500 Price/Forward Earnings ratio is at 22.68. PSFE is around the same levels.
Industry RankSector Rank
PE N/A
Fwd PE 20.64
PSFE Price Earnings VS Forward Price EarningsPSFE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 20 -20 -40

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, PSFE is valued cheaper than 92.08% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, PSFE is valued cheaper than 98.02% of the companies in the same industry.
Industry RankSector Rank
P/FCF 1.71
EV/EBITDA 5.4
PSFE Per share dataPSFE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 -20

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 94.00% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y119.61%
EPS Next 3Y94%

More info and screens

0

5. Dividend

5.1 Amount

No dividends for PSFE!.
Industry RankSector Rank
Dividend Yield N/A

More info and screens

PAYSAFE LTD

NYSE:PSFE (2/21/2025, 8:04:01 PM)

After market: 19.23 0 (0%)

19.23

-0.39 (-1.99%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-13 2024-11-13/bmo
Earnings (Next)03-06 2025-03-06/amc
Inst Owners52.46%
Inst Owner Change18.58%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap1.17B
Analysts51.67
Price Target20.91 (8.74%)
Short Float %4.04%
Short Ratio4.04
Dividend
Industry RankSector 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)-582.52%
Min EPS beat(2)-1035.83%
Max EPS beat(2)-129.2%
EPS beat(4)0
Avg EPS beat(4)-359.97%
Min EPS beat(4)-1035.83%
Max EPS beat(4)-50.36%
EPS beat(8)0
Avg EPS beat(8)-299.94%
EPS beat(12)2
Avg EPS beat(12)-1884.06%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)0.18%
Min Revenue beat(2)-1.03%
Max Revenue beat(2)1.4%
Revenue beat(4)2
Avg Revenue beat(4)-0.26%
Min Revenue beat(4)-1.73%
Max Revenue beat(4)1.4%
Revenue beat(8)4
Avg Revenue beat(8)-0.34%
Revenue beat(12)7
Avg Revenue beat(12)-0.01%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)-8.89%
EPS NQ rev (1m)1.09%
EPS NQ rev (3m)-46.29%
EPS NY rev (1m)-400%
EPS NY rev (3m)-116.85%
Revenue NQ rev (1m)-1.34%
Revenue NQ rev (3m)-2.4%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.06%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 20.64
P/S 0.69
P/FCF 1.71
P/OCF 1.49
P/B 1.33
P/tB N/A
EV/EBITDA 5.4
EPS(TTM)-0.38
EYN/A
EPS(NY)0.93
Fwd EY4.84%
FCF(TTM)11.25
FCFY58.51%
OCF(TTM)12.91
OCFY67.11%
SpS27.96
BVpS14.43
TBVpS-36.07
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -0.48%
ROE -2.68%
ROCE 4.55%
ROIC 3.6%
ROICexc 5.78%
ROICexgc N/A
OM 9.19%
PM (TTM) N/A
GM 58.46%
FCFM 40.24%
ROA(3y)-11.06%
ROA(5y)-7.28%
ROE(3y)-74.44%
ROE(5y)-47.05%
ROIC(3y)2.21%
ROIC(5y)2.29%
ROICexc(3y)4.15%
ROICexc(5y)3.82%
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)2.79%
ROCE(5y)2.89%
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3Y25.99%
ROICexc growth 5YN/A
OM growth 3Y-2.03%
OM growth 5Y-7.36%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-2.14%
GM growth 5Y-2.28%
F-Score6
Asset Turnover0.35
Health
Industry RankSector Rank
Debt/Equity 2.76
Debt/FCF 3.56
Debt/EBITDA 5.61
Cap/Depr 36.53%
Cap/Sales 5.91%
Interest Coverage 1
Cash Conversion 181.84%
Profit Quality N/A
Current Ratio 1.14
Quick Ratio 1.14
Altman-Z 0.03
F-Score6
WACC7.56%
ROIC/WACC0.48
Cap/Depr(3y)35.27%
Cap/Depr(5y)31.13%
Cap/Sales(3y)6.09%
Cap/Sales(5y)5.58%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)44.93%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-425%
EPS Next Y90.73%
EPS Next 2Y119.61%
EPS Next 3Y94%
EPS Next 5YN/A
Revenue 1Y (TTM)8.23%
Revenue growth 3Y3.92%
Revenue growth 5Y7.02%
Sales Q2Q%7.74%
Revenue Next Year7.66%
Revenue Next 2Y7.27%
Revenue Next 3Y6.67%
Revenue Next 5YN/A
EBIT growth 1Y12.01%
EBIT growth 3Y1.82%
EBIT growth 5Y-0.86%
EBIT Next Year200.72%
EBIT Next 3Y51.69%
EBIT Next 5YN/A
FCF growth 1Y-51.61%
FCF growth 3Y-27.3%
FCF growth 5YN/A
OCF growth 1Y-47.89%
OCF growth 3Y-16.99%
OCF growth 5YN/A