PAYSAFE LTD (PSFE) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:PSFE - BMG6964L2062 - Common Stock
7.16 USD
-0.56 (-7.25%)
7.37 USD
+0.21 (+2.93%)
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. PSFE is valued quite cheap, while showing a decent growth score. This is a good combination!
1. Profitability
1.1 Basic Checks
- In the past year PSFE was profitable.
- 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 -2.64%, PSFE is not doing good in the industry: 81.63% of the companies in the same industry are doing better.
- The Return On Equity of PSFE (-17.42%) is worse than 82.65% of its industry peers.
- With a Return On Invested Capital value of 3.11%, PSFE perfoms like the industry average, outperforming 52.04% of the companies in the same industry.
- The Average Return On Invested Capital over the past 3 years for PSFE is significantly below the industry average of 8.44%.
- The last Return On Invested Capital (3.11%) for PSFE is above the 3 year average (2.93%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -2.64% | ||
| ROE | -17.42% | ||
| ROIC | 3.11% |
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 Operating Margin of 7.77%. This is in the lower half of the industry: PSFE underperforms 63.27% of its industry peers.
- PSFE's Operating Margin has declined in the last couple of years.
- PSFE has a better Gross Margin (56.58%) than 70.41% of its industry peers.
- PSFE's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 7.77% | ||
| PM (TTM) | N/A | ||
| GM | 56.58% |
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
- The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so PSFE is destroying value.
- The number of shares outstanding for PSFE has been reduced compared to 1 year ago.
- 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
- Based on the Altman-Z score of -0.14, we must say that PSFE is in the distress zone and has some risk of bankruptcy.
- PSFE has a Altman-Z score of -0.14. This is in the lower half of the industry: PSFE underperforms 65.31% of its industry peers.
- PSFE has a debt to FCF ratio of 23.41. This is a negative value and a sign of low solvency as PSFE would need 23.41 years to pay back of all of its debts.
- With a Debt to FCF ratio value of 23.41, PSFE is not doing good in the industry: 60.20% of the companies in the same industry are doing better.
- PSFE has a Debt/Equity ratio of 3.50. This is a high value indicating a heavy dependency on external financing.
- With a Debt to Equity ratio value of 3.50, PSFE is not doing good in the industry: 78.57% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.5 | ||
| Debt/FCF | 23.41 | ||
| Altman-Z | -0.14 |
ROIC/WACC0.48
WACC6.55%
2.3 Liquidity
- A Current Ratio of 1.18 indicates that PSFE should not have too much problems paying its short term obligations.
- With a Current ratio value of 1.18, PSFE perfoms like the industry average, outperforming 59.18% of the companies in the same industry.
- PSFE has a Quick Ratio of 1.18. 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 (1.18) than 61.22% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.18 | ||
| Quick Ratio | 1.18 |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 636.84% over the past year.
- PSFE shows a decrease in Revenue. In the last year, the revenue decreased by -0.95%.
- Measured over the past years, PSFE shows a small growth in Revenue. The Revenue has been growing by 3.75% on average per year.
EPS 1Y (TTM)636.84%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%433.33%
Revenue 1Y (TTM)-0.95%
Revenue growth 3Y4.66%
Revenue growth 5Y3.75%
Sales Q2Q%1.57%
3.2 Future
- PSFE is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 98.81% yearly.
- Based on estimates for the next years, PSFE will show a small growth in Revenue. The Revenue will grow by 3.76% on average per year.
EPS Next Y426.88%
EPS Next 2Y155.05%
EPS Next 3Y98.81%
EPS Next 5YN/A
Revenue Next Year-0.63%
Revenue Next 2Y2.74%
Revenue Next 3Y3.76%
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.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 3.51, which indicates a rather cheap valuation of PSFE.
- 96.94% 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 (27.38), we can say PSFE is valued rather cheaply.
- A Price/Forward Earnings ratio of 3.06 indicates a rather cheap valuation of PSFE.
- Based on the Price/Forward Earnings ratio, PSFE is valued cheaply inside the industry as 98.98% of the companies are valued more expensively.
- The average S&P500 Price/Forward Earnings ratio is at 24.29. PSFE is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.51 | ||
| Fwd PE | 3.06 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, PSFE is valued cheaper than 95.92% of the companies in the same industry.
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of PSFE indicates a rather cheap valuation: PSFE is cheaper than 96.94% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.86 | ||
| EV/EBITDA | 4.27 |
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 98.81% in the coming years.
PEG (NY)0.01
PEG (5Y)N/A
EPS Next 2Y155.05%
EPS Next 3Y98.81%
5. Dividend
5.1 Amount
- No dividends for PSFE!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
7.16
-0.56 (-7.25%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-13 2025-11-13/bmo
Earnings (Next)03-04 2026-03-04/bmo
Inst Owners31.51%
Inst Owner Change0%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap411.41M
Revenue(TTM)1.68B
Net Income(TTM)-123.77M
Analysts53.33
Price Target9.45 (31.98%)
Short Float %9.37%
Short Ratio4.75
Dividend
| Industry Rank | Sector 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)0
Avg EPS beat(2)-3.67%
Min EPS beat(2)-6.61%
Max EPS beat(2)-0.73%
EPS beat(4)1
Avg EPS beat(4)12.01%
Min EPS beat(4)-18.76%
Max EPS beat(4)74.15%
EPS beat(8)1
Avg EPS beat(8)-173.98%
EPS beat(12)1
Avg EPS beat(12)-195.96%
EPS beat(16)3
Avg EPS beat(16)-1410.04%
Revenue beat(2)0
Avg Revenue beat(2)-2.2%
Min Revenue beat(2)-3.23%
Max Revenue beat(2)-1.16%
Revenue beat(4)0
Avg Revenue beat(4)-2.85%
Min Revenue beat(4)-4.2%
Max Revenue beat(4)-1.16%
Revenue beat(8)2
Avg Revenue beat(8)-1.56%
Revenue beat(12)4
Avg Revenue beat(12)-1.18%
Revenue beat(16)7
Avg Revenue beat(16)-0.72%
PT rev (1m)0%
PT rev (3m)-40.41%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-58.56%
EPS NY rev (1m)0%
EPS NY rev (3m)-22.85%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-3.34%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.19%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.51 | ||
| Fwd PE | 3.06 | ||
| P/S | 0.24 | ||
| P/FCF | 3.86 | ||
| P/OCF | 1.87 | ||
| P/B | 0.58 | ||
| P/tB | N/A | ||
| EV/EBITDA | 4.27 |
EPS(TTM)2.04
EY28.49%
EPS(NY)2.34
Fwd EY32.71%
FCF(TTM)1.86
FCFY25.93%
OCF(TTM)3.83
OCFY53.51%
SpS29.29
BVpS12.36
TBVpS-39.56
PEG (NY)0.01
PEG (5Y)N/A
Graham Number23.82
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -2.64% | ||
| ROE | -17.42% | ||
| ROCE | 3.94% | ||
| ROIC | 3.11% | ||
| ROICexc | 4.84% | ||
| ROICexgc | N/A | ||
| OM | 7.77% | ||
| PM (TTM) | N/A | ||
| GM | 56.58% | ||
| FCFM | 6.34% |
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 Turnover0.36
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.5 | ||
| Debt/FCF | 23.41 | ||
| Debt/EBITDA | 6.16 | ||
| Cap/Depr | 41.58% | ||
| Cap/Sales | 6.74% | ||
| Interest Coverage | 0.97 | ||
| Cash Conversion | 54.53% | ||
| Profit Quality | N/A | ||
| Current Ratio | 1.18 | ||
| Quick Ratio | 1.18 | ||
| Altman-Z | -0.14 |
F-Score5
WACC6.55%
ROIC/WACC0.48
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 Y426.88%
EPS Next 2Y155.05%
EPS Next 3Y98.81%
EPS Next 5YN/A
Revenue 1Y (TTM)-0.95%
Revenue growth 3Y4.66%
Revenue growth 5Y3.75%
Sales Q2Q%1.57%
Revenue Next Year-0.63%
Revenue Next 2Y2.74%
Revenue Next 3Y3.76%
Revenue Next 5YN/A
EBIT growth 1Y-16.25%
EBIT growth 3Y20.15%
EBIT growth 5Y-5.55%
EBIT Next Year191.45%
EBIT Next 3Y50.38%
EBIT Next 5YN/A
FCF growth 1Y111.72%
FCF growth 3Y0.33%
FCF growth 5Y-8.23%
OCF growth 1Y127.37%
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 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 3 / 10.
Can you provide the financial health for PSFE stock?
The financial health rating of PAYSAFE LTD (PSFE) is 2 / 10.