PAYSAFE LTD (PSFE) Fundamental Analysis & Valuation

NYSE:PSFE • BMG6964L2062

Current stock price

8.22 USD
+0.31 (+3.92%)
Last:

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.
  • PSFE had a positive operating cash flow in the past year.
  • PSFE had negative earnings in 4 of the past 5 years.
  • 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 2024 2025 0 500M -500M -1B -1.5B

1.2 Ratios

  • The Return On Assets of PSFE (-3.80%) is worse than 82.83% of its industry peers.
  • PSFE has a worse Return On Equity (-27.86%) than 82.83% of its industry peers.
  • PSFE has a Return On Invested Capital of 2.85%. This is comparable to the rest of the industry: PSFE outperforms 51.52% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for PSFE is below the industry average of 8.00%.
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

  • PSFE has a Operating Margin of 7.20%. This is comparable to the rest of the industry: PSFE outperforms 41.41% of its industry peers.
  • PSFE's Operating Margin has declined in the last couple of years.
  • The Gross Margin of PSFE (56.44%) is better than 71.72% of its industry peers.
  • PSFE's Gross Margin has declined in the last couple of years.
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

  • 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 less shares outstanding
  • PSFE has more shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, PSFE has a worse debt to assets ratio.
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 -0.12, we must say that PSFE is in the distress zone and has some risk of bankruptcy.
  • With a Altman-Z score value of -0.12, PSFE is not doing good in the industry: 64.65% of the companies in the same industry are doing better.
  • 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 of 20.21. This is comparable to the rest of the industry: PSFE outperforms 47.47% of its industry peers.
  • A Debt/Equity ratio of 3.98 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 3.98, PSFE is doing worse than 76.77% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 3.98
Debt/FCF 20.21
Altman-Z -0.12
ROIC/WACC0.48
WACC5.91%
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 better Current ratio (1.24) than 61.62% of its industry peers.
  • A Quick Ratio of 1.24 indicates that PSFE should not have too much problems paying its short term obligations.
  • PSFE's Quick ratio of 1.24 is fine compared to the rest of the industry. PSFE outperforms 63.64% 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

  • PSFE shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 444.44%, which is quite impressive.
  • Looking at the last year, PSFE shows a decrease in Revenue. The Revenue has decreased by -0.20% in the last year.
  • 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

  • Based on estimates for the next years, PSFE will show a very strong growth in Earnings Per Share. The EPS will grow by 23.85% on average per year.
  • The Revenue is expected to grow by 4.97% on average over the next years.
EPS Next Y14.39%
EPS Next 2Y17.74%
EPS Next 3Y23.85%
EPS Next 5YN/A
Revenue Next Year5.98%
Revenue Next 2Y6.14%
Revenue Next 3Y4.97%
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 accelerating.
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 2028 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

  • Based on the Price/Earnings ratio of 4.19, the valuation of PSFE can be described as very cheap.
  • Based on the Price/Earnings ratio, PSFE is valued cheaper than 93.94% 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 27.18.
  • A Price/Forward Earnings ratio of 3.67 indicates a rather cheap valuation of PSFE.
  • Based on the Price/Forward Earnings ratio, PSFE is valued cheaply inside the industry as 97.98% of the companies are valued more expensively.
  • PSFE's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 37.96.
Industry RankSector Rank
PE 4.19
Fwd PE 3.67
PSFE Price Earnings VS Forward Price EarningsPSFE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of PSFE indicates a rather cheap valuation: PSFE is cheaper than 94.95% of the companies listed 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 97.98% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 3.28
EV/EBITDA 4.21
PSFE Per share dataPSFE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 -20 -40

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 23.85% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.29
PEG (5Y)N/A
EPS Next 2Y17.74%
EPS Next 3Y23.85%

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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Find the best dividend stocksShow peers with best dividend

PSFE Fundamentals: All Metrics, Ratios and Statistics

PAYSAFE LTD

NYSE:PSFE (4/14/2026, 1:17:21 PM)

8.22

+0.31 (+3.92%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)03-03
Earnings (Next)05-11
Inst Owners32.01%
Inst Owner Change0.07%
Ins Owners0.04%
Ins Owner Change26.52%
Market Cap424.81M
Revenue(TTM)1.70B
Net Income(TTM)-182.51M
Analysts52.73
Price Target8.76 (6.57%)
Short Float %12.03%
Short Ratio6.41
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)-3.48%
PT rev (3m)-7.3%
EPS NQ rev (1m)-0.36%
EPS NQ rev (3m)-14.11%
EPS NY rev (1m)-4.26%
EPS NY rev (3m)-4.26%
Revenue NQ rev (1m)-0.2%
Revenue NQ rev (3m)-0.72%
Revenue NY rev (1m)-0.22%
Revenue NY rev (3m)-0.22%
Valuation
Industry RankSector Rank
PE 4.19
Fwd PE 3.67
P/S 0.25
P/FCF 3.28
P/OCF 1.8
P/B 0.65
P/tB N/A
EV/EBITDA 4.21
EPS(TTM)1.96
EY23.84%
EPS(NY)2.24
Fwd EY27.27%
FCF(TTM)2.5
FCFY30.46%
OCF(TTM)4.57
OCFY55.59%
SpS32.92
BVpS12.67
TBVpS-44.41
PEG (NY)0.29
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 -0.12
F-Score4
WACC5.91%
ROIC/WACC0.48
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 Y14.39%
EPS Next 2Y17.74%
EPS Next 3Y23.85%
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 Year291.76%
EBIT Next 3Y65.66%
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.


How profitable is PAYSAFE LTD (PSFE) stock?

PAYSAFE LTD (PSFE) has a profitability rating of 2 / 10.


What are the PE and PB ratios of PAYSAFE LTD (PSFE) stock?

The Price/Earnings (PE) ratio for PAYSAFE LTD (PSFE) is 4.19 and the Price/Book (PB) ratio is 0.65.


Can you provide the expected EPS growth for PSFE stock?

The Earnings per Share (EPS) of PAYSAFE LTD (PSFE) is expected to grow by 14.39% in the next year.