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PaySignPAYS -2.96%69 FCF Margin % is 59.60% as of Mar. 2026, which is 39% above its 10-year median of 42.92. GuruFocus rates PAYS with a GF Score™ of 69/100 and a GF Value™ of $5.96 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 2,817 Software companies, PaySign ranks better than 98.86% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. PaySign's Free Cash Flow for the
three
months ended in Mar. 2026 was $16.71 Mil. PaySign's Revenue for the
three
months ended in Mar. 2026 was $28.04 Mil. Therefore, PaySign's FCF Margin % for the quarter that ended in Mar. 2026 was 59.60%.
The historical rank and industry rank for PaySign's FCF Margin % or its related term are showing as below:
PAYS'
s FCF Margin % Range Over the Past 10 Years
Min: 23.05 Med: 42.92 Max: 76.03
Current: 76.03
During the past 13 years, the highest FCF Margin % of PaySign was 76.03%. The lowest was 23.05%. And the median was 42.92%.
PAYS's FCF Margin % is ranked better than 98.86% of 2817
companies
in the Software industry
Industry Median: 2.3
vs PAYS: 76.03
PaySign FCF Margin % Related Terms
PaySign FCF Margin % Historical Data
* Premium members only.
The historical data trend for PaySign's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Software Industry
For the Software industry and Technology sector, PaySign's FCF Margin % distribution charts can be found below:
* The bar in red indicates where PaySign's FCF Margin % falls into.
* 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 FCF Margin % of 59.60% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on PaySign and its competitors. This is 39% above median its historical median of 42.92. Over the past decade, PaySign's FCF Margin % has ranged from 23.05 to 76.03. According to the industry distribution chart, PaySign ranks #32 out of 2817 companies in the Software industry, placing it in the top 1.1%.
Is PaySign's FCF Margin % too high?
PaySign's current FCF Margin % of 59.60% is 39% above median its 10-year median of 42.92. Over the past 10 years, this metric has ranged from a low of 23.05 to a high of 76.03. The Software industry median FCF Margin % is 2.30. PaySign's value of 59.60% is 2491.3% above this industry median. Based on the distribution chart, PaySign ranks #32 out of 2817 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, PaySign has a GF Score™ of 69/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does PaySign's FCF Margin % compare to SWMR and YEXT?
According to the Software industry distribution chart, PaySign ranks #32 out of 2817 companies for FCF Margin %. This places PaySign in the top 1% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 2.30. PaySign's value of 59.60% is 2491.3% above this benchmark. Historically, PaySign's own FCF Margin % has ranged from 23.05 to 76.03 over the past decade. While the company's 10-year median is 42.92 vs. the industry median of 2.30, 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 FCF Margin % for a Software company?
The median FCF Margin % among Software companies is 2.30, based on 2,817 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PaySign's current FCF Margin % of 59.60% is 2491.3% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on PaySign and its competitors. For the Software industry, the median FCF Margin % is 2.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PaySign's current FCF Margin % is 59.60%, which is 39% above median its own 10-year median of 42.92. 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 $5.96, compared to a current price of $8.85 — trading 48.5% above its estimated fair value. The current FCF Margin % is 59.60%, which is 39% above median its 10-year median of 42.92 and 2491.3% above the Software industry median of 2.30. PaySign's overall GF Score™ is 69/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For PaySign (PAYS), the current FCF Margin % is 59.60% as of Mar. 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 $8.85 is trading 48.5% above its estimated GF Value™ of $5.96.
GuruFocus considers PaySign to be Significantly Overvalued.
Key valuation signals for PAYS:
FCF Margin %: 59.60% (39% above median its 10-year median of 42.92)
GF Value™: $5.96 vs. price of $8.85 (48.5% above fair value)
Industry Position: 2491.3% above the Software median (#32 of 2817)
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.
69GF Score
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