PAYSAFE LTD (PSFE) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:PSFE • BMG6964L2062

7.2 USD
+0.15 (+2.13%)
At close: Feb 10, 2026
7.22 USD
+0.02 (+0.28%)
After Hours: 2/10/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Taking everything into account, PSFE scores 4 out of 10 in our fundamental rating. PSFE was compared to 96 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

  • 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.
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

  • The Return On Assets of PSFE (-2.64%) is worse than 81.25% of its industry peers.
  • With a Return On Equity value of -17.42%, PSFE is not doing good in the industry: 82.29% of the companies in the same industry are doing better.
  • PSFE's Return On Invested Capital of 3.11% is in line compared to the rest of the industry. PSFE outperforms 52.08% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for PSFE is significantly below the industry average of 8.59%.
  • 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 is not doing good in the industry: 63.54% of the companies in the same industry are doing better.
  • In the last couple of years the Operating Margin of PSFE has declined.
  • PSFE has a better Gross Margin (56.58%) than 70.83% of its industry peers.
  • PSFE's Gross Margin has declined in the last couple of years.
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

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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
  • PSFE has more shares outstanding than it did 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 64.58% 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.
  • The Debt to FCF ratio of PSFE (23.41) is worse than 60.42% of its industry peers.
  • A Debt/Equity ratio of 3.50 is on the high side and indicates that PSFE has dependencies on debt financing.
  • PSFE's Debt to Equity ratio of 3.50 is on the low side compared to the rest of the industry. PSFE is outperformed by 78.13% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.5
Debt/FCF 23.41
Altman-Z -0.14
ROIC/WACC0.48
WACC6.55%
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.
  • PSFE has a Current ratio of 1.18. This is comparable to the rest of the industry: PSFE outperforms 59.38% of its industry peers.
  • 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.
  • Looking at the Quick ratio, with a value of 1.18, PSFE is in the better half of the industry, outperforming 61.46% of the companies in the same industry.
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

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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.
  • 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

  • Based on estimates for the next years, PSFE will show a very strong growth in Earnings Per Share. The EPS will grow by 98.81% on average per year.
  • PSFE is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.76% yearly.
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

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Find the best growth stocksShow best growing peers

9

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 3.53, the valuation of PSFE can be described as very cheap.
  • Based on the Price/Earnings ratio, PSFE is valued cheaper than 97.92% of the companies in the same industry.
  • PSFE is valuated cheaply when we compare the Price/Earnings ratio to 28.03, which is the current average of the S&P500 Index.
  • PSFE is valuated cheaply with a Price/Forward Earnings ratio of 3.07.
  • PSFE's Price/Forward Earnings ratio is rather cheap when compared to the industry. PSFE is cheaper than 98.96% of the companies in the same industry.
  • PSFE is valuated cheaply when we compare the Price/Forward Earnings ratio to 27.97, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 3.53
Fwd PE 3.07
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

  • Based on the Enterprise Value to EBITDA ratio, PSFE is valued cheaply inside the industry as 95.83% of the companies are valued more expensively.
  • 96.88% 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 3.88
EV/EBITDA 4.25
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.
  • 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%

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 (2/10/2026, 8:04:00 PM)

After market: 7.22 +0.02 (+0.28%)

7.2

+0.15 (+2.13%)

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 Cap413.71M
Revenue(TTM)1.68B
Net Income(TTM)-123.77M
Analysts53.33
Price Target9.08 (26.11%)
Short Float %7.78%
Short Ratio4.38
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 3.53
Fwd PE 3.07
P/S 0.25
P/FCF 3.88
P/OCF 1.88
P/B 0.58
P/tB N/A
EV/EBITDA 4.25
EPS(TTM)2.04
EY28.33%
EPS(NY)2.34
Fwd EY32.52%
FCF(TTM)1.86
FCFY25.78%
OCF(TTM)3.83
OCFY53.21%
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
WACC6.55%
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.