PAYSIGN, INC. (PAYS)

13.45USD +3.78% (+0.49)

Over 1M: +7.8%

Style
Area Line Line with markers Steps Candles Hollow candles Bars

Candles and bars need the day’s open, high and low, and need room to be drawn in: past about a year of trading a body is thinner than a hairline, so those three offer the longest window that fits instead.

13 14
7 Aug 12 Aug 17 Aug 20 Aug 25 Aug 28 Aug 2 Sep

Financials Quarterly

Figures
Revenue Gross Profit Operating Income Cost of Revenue Operating Cash Flow Free Cash Flow Net Income

A share count and earnings a share are not here: neither is money, so neither can share this axis. Both have their own panel on All charts.

All charts ›
Q3 '23 — Operating Income: 590.4K Q3 '23 — Free Cash Flow: 3.9M Q3 '23 — Net Income: 1.1M Q4 '23 — Operating Income: 632K Q4 '23 — Free Cash Flow: 23.4M Q4 '23 — Net Income: 5.6M Q1 '24 — Operating Income: -258.4K Q1 '24 — Free Cash Flow: 8.2M Q1 '24 — Net Income: 309.1K Q2 '24 — Operating Income: 125.7K Q2 '24 — Free Cash Flow: 20.4M Q2 '24 — Net Income: 697.1K Q3 '24 — Operating Income: 689.8K Q3 '24 — Free Cash Flow: -20.3M Q3 '24 — Net Income: 1.4M Q4 '24 — Operating Income: 464.3K Q4 '24 — Free Cash Flow: 14.2M Q4 '24 — Net Income: 1.4M Q1 '25 — Operating Income: 2.5M Q1 '25 — Free Cash Flow: -6.1M Q1 '25 — Net Income: 2.6M Q2 '25 — Operating Income: 1.4M Q2 '25 — Free Cash Flow: 3.6M Q2 '25 — Net Income: 1.4M Q3 '25 — Operating Income: 1.6M Q3 '25 — Free Cash Flow: 6.3M Q3 '25 — Net Income: 2.2M Q4 '25 — Operating Income: 1.9M Q4 '25 — Free Cash Flow: 47.5M Q4 '25 — Net Income: 1.4M Q1 '26 — Operating Income: 6.7M Q1 '26 — Free Cash Flow: 18.5M Q1 '26 — Net Income: 5.4M Q2 '26 — Operating Income: 7M Q2 '26 — Free Cash Flow: 1.2M Q2 '26 — Net Income: 6.8M -15M 0 15M 30M 45M 60M
Q4 '23 Q2 '24 Q4 '24 Q2 '25 Q4 '25 Q2 '26
Operating Income Free Cash Flow Net Income

How it scores

For a valuation multiple, the low end is the good end.

Quality

How much of the revenue is really kept — and what did it take to earn it?

7.6
OE margin 67.9%
ROIC —
Oper. margin 17.0%
Accruals -18.7%
FCF margin 73.0%
OCF / EBIT 4.4×
OCF margin 74.4%
ROCE 25.0%
ROE 26.2%
Gross margin 61.0%
ROA 5.0%

5 of 17 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Valuation

What does the price ask for what the company earns, owns and pays out?

7.5
EV/OE 8.1×
EV/EBIT 32.5×
FCF yield 10.1%
P/C 4.1×
EV/GP 9.1×
EV/Sales 5.5×
P/B 12.1×
P/E 46.1×
Div. yield —
Fwd P/E —
PEG —

2 of 12 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Durability

How predictable is the revenue, and how much of it is already committed?

6.2
RPO / sales 1.5×
RPO growth —
Segment HHI —

4 of 7 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Resilience

Can the balance sheet absorb a bad year?

9.6
ND/EBITDA 0.31
Cash / Debt 33.6×
Debt / Eq 0.087×
Debt payback 0.0 yr
Payout 0.0%
F-score 6.0 pts
Quick ratio 1.1×
Cash runway —
Interest cover —

2 of 12 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Growth

Is the business getting bigger, and is it getting more profitable?

7.3
Sales/sh Y/Y +36.8%
Sales CAGR 4Y +29.2%
EBIT CAGR +205.6%
EBIT Y/Y +236.9%
EPS Y/Y +116.7%
Sales Q/Q +48.1%
Div. growth —
EPS CAGR 4Y —
EPS next Y —

4 of 13 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

A measure absent from a block could not be computed from this company's filings. It is left out rather than scored as though it were bad, and the dimension is averaged over what remains. A score is measured against a fixed scale this model states; the bar is measured against the other companies, so the two can disagree — and where they do, that disagreement is the more interesting figure.