PaySauce (NZSE:PYS) Net Interest Margin (Bank Only) %

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

NZSE:PYS PaySauce Ltd NZSE:PYS
45 GF Score
Price NZ$0.23
GF Value NZ$0.29
Valuation Modestly Undervalued
! 3 Warning Signs
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What is PaySauce Net Interest Margin (Bank Only) %?

Net Interest Margin (Bank Only) % only applies to banks.

NZSE:PYS
45GF Score
PaySauce Ltd NZSE:PYS
Net Interest Margin (Bank Only) % is just one metric. See GF Score™, valuation, warning signs, and more.
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Is PaySauce (NZSE:PYS) Overvalued in 2026?

Based on GuruFocus' analysis, PaySauce stock appears to be undervalued. The current stock price of NZ$0.23 is trading 22.4% below its estimated GF Value™ of NZ$0.29. GuruFocus considers PaySauce to be Modestly Undervalued.

Key valuation signals for NZSE:PYS:

  • Net Interest Margin (Bank Only) %:
  • GF Value™: NZ$0.29 vs. price of NZ$0.23 (22.4% below fair value)
  • GF Score™: 45/100 with 3 warning signs

No single metric tells the full story. See the NZSE:PYS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

PaySauce Business Description

Address 85 The Esplanade, Petone, Lower Hutt, NZL, 5012
PaySauce Ltd operates a SaaS-based fintech platform that provides digital payroll solutions across multiple jurisdictions in the Asia-Pacific region. Its technology enables employers to onboard, pay, and manage employees digitally. The platform includes features such as rosters, mobile timesheets, payroll calculations, banking integration, automated payments, PAYE filing, labour costing, and automated general ledger entries. It also offers a feature that allows employees to access earned wages before scheduled pay dates. The company generates the majority of its revenue in the form of processing fees, which are the monthly or annual subscription fees that customers pay for PaySauce payroll products. It also earns interest income on a float of funds held on behalf of customers.
45GF Score

Get the complete analysis for NZSE:PYS

Net Interest Margin (Bank Only) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

NZ$0.23
Price
NZ$0.29
GF Value