PAYSAFE LTD (PSFE) Stock Fundamental Analysis

NYSE:PSFE • BMG6964L2062

6.26 USD
-0.25 (-3.84%)
At close: Feb 27, 2026
6.2593 USD
0 (-0.01%)
After Hours: 2/27/2026, 8:27:47 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

PSFE gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 98 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.


Dividend Valuation Growth Profitability Health

3

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.
  • PSFE had negative earnings in 4 of the past 5 years.
  • PSFE had a positive operating cash flow in each of the past 5 years.
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 81.63% of its industry peers.
  • PSFE's Return On Equity of -17.42% is on the low side compared to the rest of the industry. PSFE is outperformed by 80.61% of its industry peers.
  • PSFE's Return On Invested Capital of 3.11% is in line compared to the rest of the industry. PSFE outperforms 53.06% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for PSFE is significantly below the industry average of 8.40%.
  • The 3 year average ROIC (2.93%) for PSFE is below the current ROIC(3.11%), indicating increased profibility in the last year.
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

  • With a Operating Margin value of 7.77%, PSFE perfoms like the industry average, outperforming 40.82% of the companies in the same industry.
  • PSFE's Operating Margin has declined in the last couple of years.
  • With a decent Gross Margin value of 56.58%, PSFE is doing good in the industry, outperforming 71.43% of the companies in the same industry.
  • 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.
  • PSFE has less shares outstanding than it did 1 year ago.
  • The number of shares outstanding for PSFE has been increased compared to 5 years ago.
  • 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 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.
  • The Altman-Z score of PSFE (-0.14) is worse than 62.24% of its industry peers.
  • The Debt to FCF ratio of PSFE is 23.41, which is on the high side as it means it would take PSFE, 23.41 years of fcf income to pay off 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.
  • A Debt/Equity ratio of 3.50 is on the high side and indicates that PSFE has dependencies on debt financing.
  • PSFE has a worse Debt to Equity ratio (3.50) than 77.55% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.5
Debt/FCF 23.41
Altman-Z -0.14
ROIC/WACC0.49
WACC6.37%
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

  • PSFE has a Current 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.
  • The Current ratio of PSFE (1.18) is comparable to the rest of the industry.
  • A Quick Ratio of 1.18 indicates that PSFE should not have too much problems paying its short term obligations.
  • PSFE has a Quick ratio of 1.18. This is in the better half of the industry: PSFE outperforms 61.22% 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

  • The Earnings Per Share has grown by an impressive 636.84% over the past year.
  • The Revenue has decreased by -0.95% in the past year.
  • 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

  • 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.
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 3.07, the valuation of PSFE can be described as very cheap.
  • Based on the Price/Earnings ratio, PSFE is valued cheaply inside the industry as 96.94% of the companies are valued more expensively.
  • PSFE's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.10.
  • With a Price/Forward Earnings ratio of 2.67, the valuation of PSFE can be described as very cheap.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of PSFE indicates a rather cheap valuation: PSFE is cheaper than 100.00% of the companies listed in the same industry.
  • When comparing the Price/Forward Earnings ratio of PSFE to the average of the S&P500 Index (28.06), we can say PSFE is valued rather cheaply.
Industry RankSector Rank
PE 3.07
Fwd PE 2.67
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 95.92% of the companies listed in the same industry.
  • 96.94% of the companies in the same industry are more expensive than PSFE, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 3.37
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

  • The 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

  • No dividends for PSFE!.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

PAYSAFE LTD

NYSE:PSFE (2/27/2026, 8:27:47 PM)

After market: 6.2593 0 (-0.01%)

6.26

-0.25 (-3.84%)

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 Cap359.70M
Revenue(TTM)1.68B
Net Income(TTM)-123.77M
Analysts53.33
Price Target9.08 (45.05%)
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)-16.69%
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%
Revenue NQ rev (3m)-3.36%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.25%
Valuation
Industry RankSector Rank
PE 3.07
Fwd PE 2.67
P/S 0.21
P/FCF 3.37
P/OCF 1.63
P/B 0.51
P/tB N/A
EV/EBITDA 4.17
EPS(TTM)2.04
EY32.59%
EPS(NY)2.34
Fwd EY37.41%
FCF(TTM)1.86
FCFY29.65%
OCF(TTM)3.83
OCFY61.2%
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
WACC6.37%
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.