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PaySignPAYS -3.26%61 EV-to-OCF is 9.11 as of Sep. 01, 2026, which is 22% above its 10-year median of 7.48. GuruFocus rates PAYS with a GF Score™ of 61/100 and a GF Value™ of $6.63 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 2,876 Software companies, PaySign ranks worse than 56.64% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, PaySign's Enterprise Value is $682.4 Mil.
PaySign's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was $74.9 Mil. Therefore, PaySign's EV-to-OCF for today is 9.11.
The historical rank and industry rank for PaySign's EV-to-OCF or its related term are showing as below:
PAYS'
s EV-to-OCF Range Over the Past 10 Years
Min: -98.44 Med: 7.48 Max: 177.27
Current: 9.11
During the past 13 years, the highest EV-to-OCF of PaySign was 177.27. The lowest was -98.44. And the median was 7.48.
PAYS's EV-to-OCF is ranked worse than 56.64% of 2876
companies
in the Software industry
Industry Median: 6.91
vs PAYS: 9.11
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
PaySign's share price for today is $12.47.
PaySign's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.260.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
PaySign EV-to-OCF Related Terms
PaySign EV-to-OCF Historical Data
* Premium members only.
The historical data trend for PaySign's EV-to-OCF 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.
For the Software - Infrastructure subindustry, PaySign's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Software Industry
For the Software industry and Technology sector, PaySign's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where PaySign's EV-to-OCF falls into.
PaySign's current Enterprise Value is $682.4 Mil.
PaySign's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $74.9 Mil.
* 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.
PaySign (PAYS) has a EV-to-OCF of 9.11 as of Sep. 01, 2026. This is 22% above median its historical median of 7.48. According to the industry distribution chart, PaySign ranks #1629 out of 2876 companies in the Software industry, placing it in the top 56.6%.
Is PaySign's EV-to-OCF too high?
PaySign's current EV-to-OCF of 9.11 is 22% above median its 10-year median of 7.48. The Software industry median EV-to-OCF is 6.91. PaySign's value of 9.11 is 31.8% above this industry median. Based on the distribution chart, PaySign ranks #1629 out of 2876 companies in the Software industry, which is below the industry midpoint. Overall, PaySign has a GF Score™ of 61/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does PaySign's EV-to-OCF compare to CCSI and YEXT?
According to the Software industry distribution chart, PaySign ranks #1629 out of 2876 companies for EV-to-OCF. This places PaySign in the lower half of its industry. The industry median EV-to-OCF is 6.91. PaySign's value of 9.11 is 31.8% above this benchmark. While the company's 10-year median is 7.48 vs. the industry median of 6.91, PaySign has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Software company?
The median EV-to-OCF among Software companies is 6.91, based on 2,876 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PaySign's current EV-to-OCF of 9.11 is 31.8% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Software industry, the median EV-to-OCF is 6.91 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PaySign's current EV-to-OCF is 9.11, which is 22% above median its own 10-year median of 7.48. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PaySign stock overvalued right now?
Based on GuruFocus' analysis, PaySign (PAYS) is currently considered Significantly Overvalued. The stock's GF Value™ is $6.63, compared to a current price of $12.47 — trading 88.1% above its estimated fair value. The current EV-to-OCF is 9.11, which is 22% above median its 10-year median of 7.48 and 31.8% above the Software industry median of 6.91. PaySign's overall GF Score™ is 61/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For PaySign (PAYS), the current EV-to-OCF is 9.11 as of Sep. 01, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is PaySign (PAYS) Overvalued in 2026?
Based on GuruFocus' analysis, PaySign stock appears to be overvalued.
The current stock price of $12.47 is trading 88.1% above its estimated GF Value™ of $6.63.
GuruFocus considers PaySign to be Significantly Overvalued.
Key valuation signals for PAYS:
EV-to-OCF: 9.11 (22% above median its 10-year median of 7.48)
GF Value™: $6.63 vs. price of $12.47 (88.1% above fair value)
Industry Position: 31.8% above the Software median (#1629 of 2876)
No single metric tells the full story. See the PAYS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
61GF Score
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