PAYSAFE LTD (PSFE) Stock Fundamental Analysis

NYSE:PSFE • BMG6964L2062

6.47 USD
+0.23 (+3.69%)
At close: Feb 18, 2026
6.47 USD
0 (0%)
After Hours: 2/18/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to PSFE. PSFE was compared to 97 industry peers in the Financial Services industry. Both the profitability and financial health of PSFE have multiple concerns. PSFE scores decently on growth, while it is valued quite cheap. This could make an interesting combination.


Dividend Valuation Growth Profitability Health

3

1. Profitability

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.
  • 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 0 500M -500M -1B -1.5B

1.2 Ratios

  • PSFE has a Return On Assets of -2.64%. This is amonst the worse of the industry: PSFE underperforms 82.47% of its industry peers.
  • Looking at the Return On Equity, with a value of -17.42%, PSFE is doing worse than 81.44% of the companies in the same industry.
  • PSFE has a Return On Invested Capital of 3.11%. This is comparable to the rest of the industry: PSFE outperforms 52.58% of its industry peers.
  • PSFE had an Average Return On Invested Capital over the past 3 years of 2.93%. This is significantly below the industry average of 8.38%.
  • 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 RankSector 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%
PSFE Yearly ROA, ROE, ROICPSFE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 2023 2024 0 -50 -100 -150 -200

1.3 Margins

  • PSFE has a Operating Margin (7.77%) which is comparable to the rest of the industry.
  • In the last couple of years the Operating Margin of PSFE has declined.
  • PSFE's Gross Margin of 56.58% 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 RankSector 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%
PSFE Yearly Profit, Operating, Gross MarginsPSFE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 2023 2024 0 50 -50 -100

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. Health

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
  • The number of shares outstanding for PSFE has been increased compared to 5 years ago.
  • 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 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 2B 4B 6B

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's Altman-Z score of -0.14 is on the low side compared to the rest of the industry. PSFE is outperformed by 62.89% 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.
  • Looking at the Debt to FCF ratio, with a value of 23.41, PSFE is doing worse than 60.82% of the companies in the same industry.
  • A Debt/Equity ratio of 3.50 is on the high side and indicates that PSFE has dependencies on debt financing.
  • With a Debt to Equity ratio value of 3.50, PSFE is not doing good in the industry: 78.35% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 3.5
Debt/FCF 23.41
Altman-Z -0.14
ROIC/WACC0.49
WACC6.41%
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 0 1B 2B 3B

2.3 Liquidity

  • A Current Ratio of 1.18 indicates that PSFE should not have too much problems paying its short term obligations.
  • The Current ratio of PSFE (1.18) is comparable to the rest of the 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's Quick ratio of 1.18 is fine compared to the rest of the industry. PSFE outperforms 61.86% of its industry peers.
Industry RankSector Rank
Current Ratio 1.18
Quick Ratio 1.18
PSFE Yearly Current Assets VS Current LiabilitesPSFE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 500M 1B 1.5B 2B

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

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 636.84%, which is quite impressive.
  • PSFE shows a decrease in Revenue. In the last year, the revenue decreased by -0.95%.
  • PSFE shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.75% yearly.
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

  • The Earnings Per Share is expected to grow by 98.81% on average over the next years. This is a very strong growth
  • The Revenue is expected to grow by 3.76% on average over the next years.
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

  • 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.
PSFE Yearly Revenue VS EstimatesPSFE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 500M 1B 1.5B
PSFE Yearly EPS VS EstimatesPSFE Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 0 -10 -20 -30

More info and screens

Find the best growth stocksShow best growing peers

9

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 3.17, the valuation of PSFE can be described as very cheap.
  • 96.91% of the companies in the same industry are more expensive than PSFE, based on the Price/Earnings ratio.
  • PSFE is valuated cheaply when we compare the Price/Earnings ratio to 27.27, which is the current average of the S&P500 Index.
  • A Price/Forward Earnings ratio of 2.76 indicates a rather cheap valuation of PSFE.
  • Based on the Price/Forward Earnings ratio, PSFE is valued cheaper than 100.00% of the companies in the same industry.
  • PSFE's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.16.
Industry RankSector Rank
PE 3.17
Fwd PE 2.76
PSFE Price Earnings VS Forward Price EarningsPSFE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

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 95.88% of the companies listed in the same industry.
  • PSFE's Price/Free Cash Flow ratio is rather cheap when compared to the industry. PSFE is cheaper than 96.91% of the companies in the same industry.
Industry RankSector Rank
P/FCF 3.49
EV/EBITDA 4.17
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.
  • PSFE's earnings are expected to grow with 98.81% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.01
PEG (5Y)N/A
EPS Next 2Y155.05%
EPS Next 3Y98.81%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

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

More info and screens

Find the best dividend stocksShow peers with best dividend

PAYSAFE LTD

NYSE:PSFE (2/18/2026, 8:04:00 PM)

After market: 6.47 0 (0%)

6.47

+0.23 (+3.69%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-13
Earnings (Next)03-03
Inst Owners31.51%
Inst Owner Change0%
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap371.77M
Revenue(TTM)1.68B
Net Income(TTM)-123.77M
Analysts53.33
Price Target9.08 (40.34%)
Short Float %8.56%
Short Ratio4.89
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)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)-3.96%
PT rev (3m)-42.64%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-58.78%
EPS NY rev (1m)0%
EPS NY rev (3m)-22.99%
Revenue NQ rev (1m)0.01%
Revenue NQ rev (3m)-3.36%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.25%
Valuation
Industry RankSector Rank
PE 3.17
Fwd PE 2.76
P/S 0.22
P/FCF 3.49
P/OCF 1.69
P/B 0.52
P/tB N/A
EV/EBITDA 4.17
EPS(TTM)2.04
EY31.53%
EPS(NY)2.34
Fwd EY36.19%
FCF(TTM)1.86
FCFY28.69%
OCF(TTM)3.83
OCFY59.21%
SpS29.29
BVpS12.36
TBVpS-39.56
PEG (NY)0.01
PEG (5Y)N/A
Graham Number23.82
Profitability
Industry RankSector 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 RankSector 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
WACC6.41%
ROIC/WACC0.49
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.