PAYSAFE LTD (PSFE) Stock Fundamental Analysis
USA - NYSE:PSFE - BMG6964L2062 - Common Stock
10.16 USD
-0.41 (-3.88%)
9.3 USD
-0.86 (-8.46%)
We assign a fundamental rating of 4 out of 10 to PSFE. PSFE was compared to 97 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
PSFE had positive earnings in the past year.
PSFE had a positive operating cash flow in the past year.
In the past 5 years PSFE reported 4 times negative net income.
PSFE had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With a Return On Assets value of -1.00%, PSFE is not doing good in the industry: 79.38% of the companies in the same industry are doing better.
PSFE has a worse Return On Equity (-6.08%) than 80.41% of its industry peers.
PSFE has a Return On Invested Capital (2.58%) which is comparable to the rest of the industry.
PSFE had an Average Return On Invested Capital over the past 3 years of 2.93%. This is significantly below the industry average of 8.15%.
| 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
PSFE has a worse Operating Margin (6.79%) than 64.95% of its industry peers.
In the last couple of years the Operating Margin of PSFE has declined.
PSFE's Gross Margin of 56.70% is fine compared to the rest of the industry. PSFE outperforms 71.13% 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
PSFE has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
Compared to 1 year ago, PSFE has less shares outstanding
Compared to 5 years ago, PSFE has more shares outstanding
Compared to 1 year ago, PSFE has a worse debt to assets ratio.
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.
PSFE's Altman-Z score of -0.08 is on the low side compared to the rest of the industry. PSFE is outperformed by 64.95% 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.
The Debt to FCF ratio of PSFE (20.92) is comparable to the rest of the industry.
A Debt/Equity ratio of 3.15 is on the high side and indicates that PSFE has dependencies on debt financing.
PSFE has a Debt to Equity ratio of 3.15. This is in the lower half of the industry: PSFE underperforms 76.29% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.15 | ||
| Debt/FCF | 20.92 | ||
| Altman-Z | -0.08 |
ROIC/WACC0.36
WACC7.15%
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 59.79% 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.
PSFE's Quick ratio of 1.20 is fine compared to the rest of the industry. PSFE outperforms 61.86% 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.
PSFE shows a small growth in Revenue. In the last year, the Revenue has grown by 0.47%.
The Revenue has been growing slightly by 3.75% on average over the past years.
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
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
The Price/Earnings ratio is 8.99, which indicates a very decent valuation of PSFE.
PSFE's Price/Earnings ratio is a bit cheaper when compared to the industry. PSFE is cheaper than 68.04% of the companies in the same industry.
PSFE's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.34.
With a Price/Forward Earnings ratio of 3.36, the valuation of PSFE can be described as very cheap.
PSFE's Price/Forward Earnings ratio is rather cheap when compared to the industry. PSFE is cheaper than 97.94% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 34.43. PSFE is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.99 | ||
| Fwd PE | 3.36 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, PSFE is valued cheaply inside the industry as 92.78% of the companies are valued more expensively.
PSFE's Price/Free Cash Flow ratio is rather cheap when compared to the industry. PSFE is cheaper than 93.81% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.9 | ||
| EV/EBITDA | 4.82 |
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 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
No dividends for PSFE!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
10.16
-0.41 (-3.88%)
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 Cap597.92M
Revenue(TTM)1.68B
Net Income(TTM)-49.07M
Analysts53.33
Price Target15.83 (55.81%)
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 | 8.99 | ||
| Fwd PE | 3.36 | ||
| P/S | 0.36 | ||
| P/FCF | 4.9 | ||
| P/OCF | 2.57 | ||
| P/B | 0.74 | ||
| P/tB | N/A | ||
| EV/EBITDA | 4.82 |
EPS(TTM)1.13
EY11.12%
EPS(NY)3.02
Fwd EY29.74%
FCF(TTM)2.07
FCFY20.39%
OCF(TTM)3.96
OCFY38.95%
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
WACC7.15%
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 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 8.99 and the Price/Book (PB) ratio is 0.74.
How financially healthy is PAYSAFE LTD?
The financial health rating of PAYSAFE LTD (PSFE) is 3 / 10.