Business Description
PaySign Inc
NAICS : 541512
SIC : 7371
ISIN : US70451A1043
Total Employee Number:
226Description
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 The company generates revenues from pharma card programs through card program management fees, transaction claim processing fees, interchange fees, customer service fees, other billable service fees and settlement income and other revenues are generated through cardholder fees, interchange fees, program management fees, load fees and breakage.
Financial Strength
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Cash-To-Debt | 4.79 | |||||
Equity-to-Asset | 0.19 | |||||
Debt-to-Equity | 0.1 | |||||
Debt-to-EBITDA | 0.22 | |||||
Interest Coverage | N/A |
N/A
|
N/A
| |||
Piotroski F-Score | 7/9 | |||||
Altman Z-Score | 2.51 | |||||
Beneish M-Score | -2.5 | |||||
WACC vs ROIC | ||||||
Growth Rank
3/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
3-Year Revenue Growth Rate | 24.1 | |||||
3-Year EBITDA Growth Rate | 62.8 | |||||
3-Year EPS without NRI Growth Rate | 86.6 | |||||
3-Year FCF Growth Rate | 22.9 | |||||
3-Year Book Growth Rate | 41.4 |
Momentum Rank
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
5-Day RSI | 42.74 | |||||
9-Day RSI | 57.26 | |||||
14-Day RSI | 63.99 | |||||
3-1 Month Momentum % | 25.04 | |||||
6-1 Month Momentum % | 150.42 | |||||
12-1 Month Momentum % | 68.37 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Current Ratio | 1.14 | |||||
Quick Ratio | 1.14 | |||||
Cash Ratio | 0.11 | |||||
Days Sales Outstanding | 261.55 |
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
3-Year Average Share Buyback Ratio | -1.7 | |||||
Shareholder Yield % | -0.41 |
Profitability Rank
7/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Gross Margin % | 61 | |||||
Operating Margin % | 17.01 | |||||
Net Margin % | 15.67 | |||||
EBITDA Margin % | 26.32 | |||||
FCF Margin % | 67.13 | |||||
OCF Margin % | 74.45 | |||||
ROE % | 31.34 | |||||
ROA % | 6.02 | |||||
ROIC % | 7.57 | |||||
3-Year ROIIC % | 5.59 | |||||
ROC (Joel Greenblatt) % | 126.58 | |||||
ROCE % | 28.43 | |||||
Years of Profitability over Past 10-Year | 8 | |||||
Moat Score | 4 | |||||
Tariff Resilience Score | 8 |
GF Value Rank
1/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
PE Ratio | 49.77 | |||||
Forward PE Ratio | 37.57 | |||||
PE Ratio without NRI | 43.13 | |||||
Shiller PE Ratio | 215.67 | |||||
Price-to-Owner-Earnings | 12.59 | |||||
PS Ratio | 7.89 | |||||
PB Ratio | 12.09 | |||||
Price-to-Tangible-Book | 20.87 | |||||
Price-to-Free-Cash-Flow | 11.79 | |||||
Price-to-Operating-Cash-Flow | 10.67 | |||||
EV-to-EBIT | 41.42 | |||||
EV-to-EBITDA | 26.77 | |||||
EV-to-Revenue | 7.04 | |||||
EV-to-Forward-Revenue | 6.28 | |||||
EV-to-FCF | 10.49 | |||||
Price-to-GF-Value | 1.96 | |||||
Price-to-Projected-FCF | 3.26 | |||||
Price-to-Median-PS-Value | 1.79 | |||||
Price-to-Graham-Number | 6.34 | |||||
| Price-to-Net-Current-Asset-Value | 28.13 | |||||
Earnings Yield (Greenblatt) % | 2.41 | |||||
FCF Yield % | 9.25 |
Operating Revenue by Business Segment
Operating Revenue by Geographic Region
Historical Operating Revenue by Business Segment
Historical Operating Revenue by Geographic Region
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PaySign Inc Executives
DetailsAnalyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil $) | 100.641 | ||
| EPS (TTM) ($) | 0.26 | ||
| Beta | 1.3743 | ||
| 3-Year Sharpe Ratio | 0.9 | ||
| 3-Year Sortino Ratio | 2.26 | ||
| Volatility % | 87.12 | ||
| 14-Day RSI | 63.99 | ||
| 14-Day ATR ($) | 0.705668 | ||
| 20-Day SMA ($) | 12.425 | ||
| 12-1 Month Momentum % | 68.37 | ||
| 52-Week Range ($) | 3.08 - 14.43 | ||
| Shares Outstanding (Mil) | 56.46 |
Piotroski F-Score Details
Year:
| Component | Result | ||
|---|---|---|---|
| Piotroski F-Score | 7 | ||
| Positive ROA | |||
| Positive CFROA | |||
| Higher ROA yoy | |||
| CFROA > ROA | |||
| Lower Leverage yoy | |||
| Higher Current Ratio yoy | |||
| Less Shares Outstanding yoy | |||
| Higher Gross Margin yoy | |||
| Higher Asset Turnover yoy |
PaySign Inc Filings
| Filing Date | Document Date | Form | ||
|---|---|---|---|---|
| No Filing Data | ||||
PaySign Inc Stock Events
| Event | Date | Price ($) | ||
|---|---|---|---|---|
| Third quarter earnings conference call for 2026 | 2026-11-12 17:00 | In 77 days | ||
| Third quarter earnings results for 2026 | 2026-11-12 | In 76 days | ||
| Second quarter earnings conference call for 2026 | 2026-08-05 17:00 | 9.28 (-0.32%) | ||
| Second quarter earnings results for 2026 | 2026-08-05 | 9.28 (-0.32%) | ||
| First quarter earnings conference call for 2026 | 2026-05-12 17:00 | 6.70 (+8.94%) | ||
| First quarter earnings results for 2026 | 2026-05-12 | 6.70 (+8.94%) | ||
| General meeting for 2026 | 2026-05-08 16:00 | 6.71 (+2.44%) | ||
| Annual report for 2025 | 2026-03-25 | 3.77 (+14.24%) | ||
| Fourth quarter earnings conference call for 2025 | 2026-03-24 17:00 | 3.34 (+1.21%) | ||
| Fourth quarter earnings results for 2025 | 2026-03-24 | 3.34 (+1.21%) |
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PaySign Inc Frequently Asked Questions
What is PaySign Inc(PAYS)'s stock price today?
The current price of PAYS is $12.94. The 52 week high of PAYS is $14.43 and 52 week low is $3.08.
When is next earnings date of PaySign Inc(PAYS)?
The next earnings date of PaySign Inc(PAYS) is 2026-11-12 Est..
Does PaySign Inc(PAYS) pay dividends? If so, how much?
PaySign Inc(PAYS) does not pay dividend.
Guru Commentaries on NAS:PAYS
Grow Funds
Bullish
2026 Q1
What the manager wrote
Paysign Inc. (PAYS) operates a vertically integrated prepaid card payment solutions and processing business, primarily serving the pharmaceutical and healthcare sectors. The company manages the entire prepaid card lifecycle—design, issuance, and processing—generating revenue through transaction fees, cardholder fees, program management fees, and funds breakage. Paysign stock had underperformed significantly in January and February due to AI fears and pharmaceutical disruption from the Trump Administration. On March 24th, PAYS reported their Q4 2025 Earnings which proved these fears to be overblown. They beat expectations significantly on the top and bottom lines as well as raised guidance for 2026. The stock remains inexpensive at 7x EV/EBITDA while growing revenues 40% last year. We believe this trajectory can continue as management executes. With their excess cashflow, we believe PAYS could begin paying a dividend or buying back shares to return capital to shareholders.
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