GURUFOCUS.COM » STOCK LIST » Technology » Software » PaySign Inc (NAS:PAYS) » Definitions » Debt-to-EBITDA

PAYS (PaySign) Debt-to-EBITDA : 0.17 (As of Mar. 2025)


View and export this data going back to 1998. Start your Free Trial

What is PaySign Debt-to-EBITDA?

Debt-to-EBITDA measures a company's ability to pay off its debt.

PaySign's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2025 was $0.47 Mil. PaySign's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2025 was $2.36 Mil. PaySign's annualized EBITDA for the quarter that ended in Mar. 2025 was $17.16 Mil. PaySign's annualized Debt-to-EBITDA for the quarter that ended in Mar. 2025 was 0.16.

A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.

The historical rank and industry rank for PaySign's Debt-to-EBITDA or its related term are showing as below:

PAYS' s Debt-to-EBITDA Range Over the Past 10 Years
Min: -16.58   Med: 0.08   Max: 1.13
Current: 0.28

During the past 13 years, the highest Debt-to-EBITDA Ratio of PaySign was 1.13. The lowest was -16.58. And the median was 0.08.

PAYS's Debt-to-EBITDA is ranked better than
75.09% of 1694 companies
in the Software industry
Industry Median: 1.14 vs PAYS: 0.28

PaySign Debt-to-EBITDA Historical Data

The historical data trend for PaySign's Debt-to-EBITDA can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

PaySign Debt-to-EBITDA Chart

PaySign Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Debt-to-EBITDA
Get a 7-Day Free Trial Premium Member Only Premium Member Only -0.75 -16.58 1.13 0.86 0.42

PaySign Quarterly Data
Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25
Debt-to-EBITDA Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.78 0.50 0.34 0.34 0.17

Competitive Comparison of PaySign's Debt-to-EBITDA

For the Software - Infrastructure subindustry, PaySign's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


PaySign's Debt-to-EBITDA Distribution in the Software Industry

For the Software industry and Technology sector, PaySign's Debt-to-EBITDA distribution charts can be found below:

* The bar in red indicates where PaySign's Debt-to-EBITDA falls into.


;
;

PaySign Debt-to-EBITDA Calculation

Debt-to-EBITDA measures a company's ability to pay off its debt.

PaySign's Debt-to-EBITDA for the fiscal year that ended in Dec. 2024 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(0.448 + 2.48) / 7.016
=0.42

PaySign's annualized Debt-to-EBITDA for the quarter that ended in Mar. 2025 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(0.472 + 2.357) / 17.16
=0.16

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data, the EBITDA data used here is four times the quarterly (Mar. 2025) EBITDA data.


PaySign  (NAS:PAYS) Debt-to-EBITDA Explanation

In the calculation of Debt-to-EBITDA, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by EBITDA. In some calculations, Total Liabilities is used to for calculation.


Be Aware

A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.

According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.


PaySign Debt-to-EBITDA Related Terms

Thank you for viewing the detailed overview of PaySign's Debt-to-EBITDA provided by GuruFocus.com. Please click on the following links to see related term pages.


PaySign Business Description

Traded in Other Exchanges
N/A
Address
2615 St. Rose Parkway, Henderson, NV, USA, 89052
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.
Executives
Daniel R Henry director 13160 BIRCH, OVERLAND PARK KS 66211
Jeffery Bradford Baker officer: CFO 3101 HOWELL MILL RD., UNIT 223, ATLANTA GA 3
Mark Newcomer director, 10 percent owner, officer: President & CEO 1700 W HORIZON RIDGE PARKWAY STE 2, HENDERSON NV 89012
Matthew Louis Lanford officer: COO, President 11859 TAVEMA AVE,, LAS VEGAS NV 89138
Daniel Spence director, 10 percent owner, officer: CIO 1700 W HORIZON RIDGE PARKWAY STE 2, HENDERSON NV 89012
Robert Strobo officer: Secretary 1700 W. HORIZON RIDGE PARKWAY, SUITE 200, HENDERSON NV 89012
Joan M Herman officer: Chief Operating Officer 1700 W. HORIZON RIDGE PARKWAY #200, HENDERSON NV 89012
Bruce A Mina director 1700 W. HORIZON RIDGE PKWY, #200, HENDERSON NV 89012
Jeffrey B Newman director C/O EURONET WORLDWIDE, INC., 3500 COLLEGE BOULEVARD, LEAWOOD KS 66211
Mark Kenneth Attinger officer: CFO 34522 N.SCOTTSDALE ROAD, SUITE 120-492, SCOTTSDALE AZ 85266
Quinn P Williams director 2375 E. CAMELBACK ROAD, STE. 700, PHOENIX AZ 85016
Dennis L Triplett director 1700 HORIZON RIDGE PARKWAY, #200, HENDERSON NV 89012
Brian Polan officer: Chief Financial Officer 1700 W. HORIZON RIDGE PARKWAY, SUITE 201, HENDERSON NV 89012
Anthony E Deprima director, officer: Secretary
Joya Arthur De officer: CFO 361 WISETON AVENUE, LAS VEGAS NV 89123