Paysign Stock Analysis
| PAYS Stock | USD 6.22 -0.49 -7.30% |
At the current market price of $6.22, PAYS trades below the analyst target price of $9.8. This analysis measures PAYS against its estimated intrinsic value to identify potential mispricing. PAYS trades at a premium to historical norms, placing the burden on growth and margin expansion to justify the current valuation.
PAYS holds a debt-to-equity ratio of 0.28 relative to information technology peers. Using the latest reported data from December 31, 2025, Net Debt is broadly unchanged at $-7.04 million, meaning cash and equivalents exceed total debt — leverage is not a constraint. Also, Net Debt To EBITDA remains stable near -0.45x; rather than measuring leverage, the negative ratio signals that Paysign's cash exceeds outstanding debt. Given Paysign's cash position, gross debt may overstate financial risk, making net debt a more relevant indicator of balance sheet positioning. Asset vs Debt
Equity vs Debt
Price Book 7.8 | Price Sales 4.51 | Shares Float 33.59 million | Wall Street Target Price 9.8 | Earnings Share 0.13 |
Paysign (PAYS) recorded $82.0 million in Total Revenue, $7.6 million in Net Income, and $7.0 million in Operating Income.
Paysign |
Stock Analysis Notes
About 22.0% of PAYS outstanding shares are owned by corporate insiders. PAYS had not issued any dividends in recent years. Paysign completed a 0.050-for-1 stock split on 30th of December 2005. Paysign (PAYS) recorded $0.05 in Intangibles To Total Assets, $276.3 million in Total Assets, and a Return On Assets of 4.4%.Price To Sales Ratio | 2.84 |
Investor Insights and Alerts
| Paysign is way too risky over 90 days horizon | |
| Paysign appears to be risky and price may revert if volatility continues | |
| Paysign's Piotroski F-Score indicates relatively stable underlying signals within the model framework, despite current profitability pressure | |
| About 22.0% of PAYS outstanding shares are owned by corporate insiders | |
| Latest headline from thelincolnianonline.com: Paysign EVP Joan Herman Sells 6,667 Shares |
Largest EPS Surprises
Earnings surprises can materially move Paysign's market value. Misses often reprice quickly; beats can support follow-through. For this stock, read EPS surprises with profitability quality and forward revisions.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
2021-11-09 | 2021-09-30 | -0.0125 | -0.01 | 0.0025 | 20 | ||
2018-11-13 | 2018-09-30 | 0.02 | 0.025 | 0.005 | 25 | ||
2022-08-09 | 2022-06-30 | -0.01 | -0.0044 | 0.0056 | 56 |
Environmental, Social, and Governance (ESG) Scores
For Paysign, ESG factors matter because governance, regulation, and reputation risks can directly affect financial outcomes. Trend direction often matters more than one isolated ESG reading taken out of context.
Top Institutional Investors Holding Paysign Stock
Paysign's institutional and insider mix shapes how the stock trades around earnings. Annual revenue is about 82.03 million. The business currently sits in the Information Technology sector and the Software - Infrastructure industry. Watching turnover and volume trends alongside ownership data adds depth to the picture.
| Shares | Kestra Advisory Services, Llc | 2025-12-31 | 614.2 K | Dimensional Fund Advisors, Inc. | 2025-12-31 | 492.9 K | New York State Common Retirement Fund | 2025-12-31 | 385.7 K | Two Sigma Investments Llc | 2025-12-31 | 377.7 K | The Goldman Sachs Group Inc | 2025-12-31 | 344.8 K | Awm Investment Company Inc | 2025-12-31 | 336.1 K | Jacobs Levy Equity Management, Inc. | 2025-12-31 | 313.5 K | Northern Trust Corp | 2025-12-31 | 255.4 K | Citadel Advisors Llc | 2025-12-31 | 224.7 K | Topline Capital Management Llc | 2025-12-31 | 5.5 M | Blackrock Inc | 2025-12-31 | 2.4 M |
Market Capitalization
Paysign market capitalization is $370.29 million, placing the company in the small-cap tier across internet services & infrastructure companies. Associated fundamentals relevant to market cap include a workforce of about 226 people, about 55.19 million shares outstanding, and enterprise value near $363.25 million.Profitability
Profitability metrics test whether Paysign is building real earning power or just reporting one-time accounting gains. This separates genuinely strong businesses from names that appear cheap only because the market expects weak results. PAYS has Profit Margin (PM) of 9.0%. Similarly, it shows Operating Margin (OM) of 7.0%.| Last Reported | End Of Year Estimate | ||
| Return On Tangible Assets | 0.03 | 0.05 | |
| Return On Capital Employed | 0.12 | 0.13 | |
| Return On Assets | 3.00% | 4.00% | |
| Return On Equity | 16.00% | 15.00% |
Management Efficiency
PAYS has return on total asset (ROA) of 1.95% indicating modest asset efficiency. This is subpar relative to sector peers. Paysign also reports a return on stockholder's equity (ROE) of 19.14%, indicating the rate of return being generated on shareholder capital.| Last Reported | End Of Year Estimate | ||
| Book Value Per Share | 0.89 | 0.94 | |
| Tangible Book Value Per Share | 0.4 | 0.42 | |
| Price Book Value Ratio | 5.78x | 5.49x | |
| Enterprise Value Multiple | 17.43x | 14.08x | |
| Price Fair Value | 5.78x | 5.49x | |
| Enterprise Value | $273.26 million | $286.92 million |
A leadership review of Paysign should test whether management is creating repeatable operating progress instead of relying on one-time gains or favorable cycle conditions. The strongest reading comes from linking leadership decisions to return metrics, balance-sheet quality, and the durability of the business model.
Operating Margin | Long Term Debt Total | Three Month Return 67.2 | Short Long Term Debt Total | Ten Year Return 2,440 |
Technical Drivers
As of the 8th of May, Paysign trades at 6.22 per share. Key technical indicators include Semi Deviation of 2.56, coefficient of variation of 567.19, and Risk Adjusted Performance of 0.1783. The technical model evaluates historical price movement, trading volume, and volatility patterns to quantify trend strength. Current values are evaluated relative to sector peers and historical ranges.Price Movement Analysis - Bollinger Bands
This analysis covers sixty data points across the selected time horizon. The Extended Parabolic SAR indicator is used to determine the direction of Paysign's momentum and the point in time when it has higher than normal probability of directional change. It has more input parameters than standard Parabolic SAR indicator.
Insider Trading Activities
Insider activity around Paysign matters because officers and directors often act on business changes before the market catches up. U.S. insider activity is disclosed through Form 4 filings, enabling analysis of transaction timing, clustering, and scale.
Outstanding Bonds
Outstanding bonds linked to Paysign can tell investors a great deal about how the company finances itself beyond common equity markets. At small-cap scale, institutional coverage and secondary-market liquidity are typically well established. Bond investors and equity investors often care about the same cash flows, but they rank the risks differently.
| PAYPAL HOLDINGS INC Corp BondUS70450YAD58 | View | |
| PAYPAL HOLDINGS INC Corp BondUS70450YAE32 | View | |
| PAYPAL HOLDINGS INC Corp BondUS70450YAH62 | View | |
| PAYPAL HOLDINGS INC Corp BondUS70450YAJ29 | View | |
| PYPL 39 01 JUN 27 Corp BondUS70450YAK91 | View | |
| PYPL 44 01 JUN 32 Corp BondUS70450YAL74 | View | |
| PYPL 505 01 JUN 52 Corp BondUS70450YAM57 | View | |
| PYPL 525 01 JUN 62 Corp BondUS70450YAN31 | View |
Predictive Daily Indicators
Short-horizon indicators in Paysign turn fast-changing price action into clearer risk and execution cues. The key question is whether the signal helps manage exposure in real time, not whether it predicts every tick.
Corporate Filings
F4 | 6th of May 2026 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | |
| 26th of March 2026 Other Reports | ||
10K | 25th of March 2026 Annual report required by the U.S. Securities and Exchange Commission (SEC) of a company financial performance | |
8K | 24th of March 2026 Report filed with the SEC to announce major events that shareholders should know about | |
F4 | 2nd of March 2026 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | |
F4 | 12th of December 2025 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | |
10Q | 13th of November 2025 Quarterly performance report mandated by Securities and Exchange Commission (SEC), to be filed by publicly traded corporations | |
8K | 12th of November 2025 Report filed with the SEC to announce major events that shareholders should know about |
Forecast Models
Forecasting applied to Paysign learns from price structure, volatility patterns, and trend strength rather than commentary alone. The practical edge is not the forecast number itself, but knowing when the data is becoming less predictable.Financial Strength and Earnings Quality Indicators
Paysign financial ratings play a critical role in determining how much Paysign has to pay to access credit markets, i.e., the amount of interest on their issued debt. The threshold between investment-grade and speculative-grade ratings has important market implications for Paysign's borrowing costs.| Piotroski F Score | 7 | Strong | View |
| Beneish M Score | -4.05 | Unlikely Manipulator | View |
Debt to Cash Allocation
Tracking debt and cash allocation over time can show when Paysign is prioritizing expansion, refinancing, or capital return.
Total debt stands at approximately $14.03 million with Debt to Equity (D/E) ratio of 0.28. Paysign has a current ratio of 1.07, suggesting that it carries limited short-term liquidity headroom for its financial obligations when due. Paysign's use of debt should be considered alongside its cash position and equity base.Total Assets Over Time
Assets Financed by Debt
Debt finances 4.82% of PAYS's total assets — a relatively low share of the asset base, though leverage can still appear elevated relative to peers when measured against equity rather than total assets.Paysign Debt Ratio | 4.82 |
Corporate Bonds Issued
Paysign Short Long Term Debt Total
Short Long Term Debt Total | $14.73 million |
Stock Analysis Methodology
As a small-cap equity, Paysign diagnostic profile covers valuation ratios, fundamentals, and technical signals. Paysign operates in Internet Services & Infrastructure within Software - Infrastructure in Information Technology. Paysign trades at P/E of 55.82, P/B of 7.8. Paysign shows ROE (TTM) of 19.14% and net margin (TTM) of 9.21%.
Reported values for Paysign are derived from periodic company reporting and market reference feeds and standardized for analysis.
Editorial review and methodology oversight provided by: Ellen Johnson, Member of Macroaxis Editorial Board
Current Paysign Analyst Rating Consensus
| Target Price | Consensus | # of Analysts | |
| 9.8 | Strong Buy | 5 | Odds |
Current and historical analyst recommendations for Paysign are summarized from research sources. The view also includes average analyst consensus. Most Paysign analysts issue ratings four times a year at intervals of three months. These consensus estimates reflect the collective view of professional researchers monitoring Paysign's financials.
Paysign Stock Analysis Indicators
Diagnostics snapshot includes 23 indicators such as Begin Period Cash Flow, Total Stockholder Equity, Capital Lease Obligations.
| Begin Period Cash Flow | 122.34 million | |
| Total Stockholder Equity | 48.49 million | |
| Capital Lease Obligations | 6.03 million | |
| Property Plant And Equipment Net | 7.63 million | |
| Cash And Short Term Investments | 21.07 million | |
| Net Invested Capital | 48.49 million | |
| Cash | 21.07 million | |
| 50 Day M A | 5.1224 | |
| Net Interest Income | 2.67 million | |
| Total Current Liabilities | 216.35 million | |
| Forward Price Earnings | 28.5714 | |
| Stock Based Compensation | 4.26 million | |
| Common Stock Shares Outstanding | 59.65 million | |
| Total Cashflows From Investing Activities | -10.09 million | |
| Tax Provision | 2.48 million | |
| Quarterly Earnings Growth Y O Y | -0.036 | |
| Free Cash Flow | 51.24 million | |
| Other Current Assets | 145.87 million | |
| Accounts Payable | 70.54 million | |
| Net Debt | -7.04 million | |
| Other Operating Expenses | 74.67 million | |
| Non Current Assets Total | 36.2 million | |
| Liabilities And Stockholders Equity | 276.25 million |