PaySign Inc is a provider of prepaid card programs, comprehensive patient affordability offerings, digital banking services, and integrated payment processing designed for businesses, consumers, and government institutions. The Company creates customized, payment solutions for clients across industries, including pharmaceutical, healthcare, hospitality, and retail. The company's revenues include fees generated from cardholder fees, interchange, card program management fees, transaction claims processing fees, and settlement income.

Financial Strength

5/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	5.13
Equity-to-Asset	0.17
Debt-to-Equity	0.14
Debt-to-EBITDA	0.86
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	5/9	0 1 2 3 4 5 6 7 8 9
Altman Z-Score	1.66	Distress Grey Safe
Beneish M-Score	-1.38	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

3/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	21.2
	3-Year FCF Growth Rate	21.5
	3-Year Book Growth Rate	20.5

Momentum Rank

6/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	66.77
	9-Day RSI	63.12
	14-Day RSI	62.69
	6-1 Month Momentum %	92.4
	12-1 Month Momentum %	-8.36

Liquidity Ratio

	Name	Current	Vs Industry		Vs History
	Current Ratio	1.08
	Quick Ratio	1.08
	Cash Ratio	0.14
	Days Sales Outstanding	69.64

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	3-Year Average Share Buyback Ratio	-1.8
	Shareholder Yield %	0.62

Profitability Rank

7/10

	Name	Current	Vs Industry		Vs History
	Gross Margin %	51.06
	Operating Margin %	-0.36
	Net Margin %	13.66
	FCF Margin %	43.52
	ROE %	35.28
	ROA %	5.47
	ROIC %	-0.48
	ROC (Joel Greenblatt) %	-3.6
	ROCE %	-0.78
	Years of Profitability over Past 10-Year	7

GF Value Rank

3/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	38.09
	Forward PE Ratio	84.48
	PE Ratio without NRI	38.09
	Shiller PE Ratio	219
	Price-to-Owner-Earnings	9.51
	PS Ratio	4.96
	PB Ratio	9.52
	Price-to-Tangible-Book	14.6
	Price-to-Free-Cash-Flow	11.47
	Price-to-Operating-Cash-Flow	8.51
	EV-to-EBIT	-1334.2
	EV-to-EBITDA	58.08
	EV-to-Revenue	4.74
	EV-to-Forward-Revenue	4.01
	EV-to-FCF	10.92
	Price-to-Projected-FCF	1.43
	Price-to-Median-PS-Value	1.54
	Price-to-Graham-Number	4.98
	Price-to-Net-Current-Asset-Value	33.69
	Earnings Yield (Greenblatt) %	-0.07
	FCF Yield %	8.87

GF Value: $3.52

PAYS

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