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Paysera Bulgaria JSCXBUL:PAY 13 PS Ratio is 0.90 as of Sep. 20, 2026, which is 68% below its 10-year median of 2.81. GuruFocus rates XBUL:PAY with a GF Score™ of 13/100. The stock has 2 warning signs investors should review. Among 2,790 Software companies, Paysera Bulgaria JSC ranks better than 72.87% on this metric.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, Paysera Bulgaria JSC's share price is €2.48.
Paysera Bulgaria JSC's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 was €2.75. Hence, Paysera Bulgaria JSC's PS Ratio for today is 0.90.
The historical rank and industry rank for Paysera Bulgaria JSC's PS Ratio or its related term are showing as below:
XBUL:PAY'
s PS Ratio Range Over the Past 10 Years
Min: 0.42 Med: 2.81 Max: 5.5
Current: 0.91
During the past 5 years, Paysera Bulgaria JSC's highest PS Ratio was 5.50. The lowest was 0.42. And the median was 2.81.
XBUL:PAY's PS Ratio is ranked better than 72.87% of 2790
companies
in the Software industry
Industry Median: 1.92
vs XBUL:PAY: 0.91
During the past 5 years, Paysera Bulgaria JSC's highest 3-Year average Revenue per Share Growth Rate was 72.90% per year. The lowest was 68.70% per year. And the median was 70.80% per year.
Paysera Bulgaria JSC (XBUL:PAY) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
Paysera Bulgaria JSC PS Ratio Related Terms
Paysera Bulgaria JSC PS Ratio Historical Data
* Premium members only.
The historical data trend for Paysera Bulgaria JSC's PS Ratio 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, Paysera Bulgaria JSC's PS Ratio, along with its competitors' market caps and PS Ratio 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.
Paysera Bulgaria JSC PS Ratio vs Software Industry
For the Software industry and Technology sector, Paysera Bulgaria JSC's PS Ratio distribution charts can be found below:
* The bar in red indicates where Paysera Bulgaria JSC's PS Ratio falls into.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
Paysera Bulgaria JSC's Share Price of today is €2.48.
For company reported annually, GuruFocus uses latest annual data as the TTM data. Paysera Bulgaria JSC's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 was €2.75.
* 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.
It can also be calculated from the numbers for the whole company:
Paysera Bulgaria JSC (XBUL:PAY) has a PS Ratio of 0.90 as of Sep. 20, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Paysera Bulgaria JSC and its competitors. This is 68% below median its historical median of 2.81. Over the past decade, Paysera Bulgaria JSC's PS Ratio has ranged from 0.42 to 5.50. According to the industry distribution chart, Paysera Bulgaria JSC ranks #757 out of 2790 companies in the Software industry, placing it in the top 27.1%.
Is Paysera Bulgaria JSC's PS Ratio too high?
Paysera Bulgaria JSC's current PS Ratio of 0.90 is 68% below median its 10-year median of 2.81. Over the past 10 years, this metric has ranged from a low of 0.42 to a high of 5.50. The Software industry median PS Ratio is 1.92. Paysera Bulgaria JSC's value of 0.90 is 53.1% below this industry median. Based on the distribution chart, Paysera Bulgaria JSC ranks #757 out of 2790 companies in the Software industry, which is above the industry midpoint. Overall, Paysera Bulgaria JSC has a GF Score™ of 13/100, reflecting its overall financial health beyond just this single metric.
How does Paysera Bulgaria JSC's PS Ratio compare to MSFT and PLTR?
According to the Software industry distribution chart, Paysera Bulgaria JSC ranks #757 out of 2790 companies for PS Ratio. This puts Paysera Bulgaria JSC in the upper half of its industry. The industry median PS Ratio is 1.92. Paysera Bulgaria JSC's value of 0.90 is 53.1% below this benchmark. Historically, Paysera Bulgaria JSC's own PS Ratio has ranged from 0.42 to 5.50 over the past decade. While the company's 10-year median is 2.81 vs. the industry median of 1.92, Paysera Bulgaria JSC has consistently been below 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 PS Ratio for a Software company?
The median PS Ratio among Software companies is 1.92, based on 2,790 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Paysera Bulgaria JSC's current PS Ratio of 0.90 is 53.1% below 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Paysera Bulgaria JSC and its competitors. For the Software industry, the median PS Ratio is 1.92 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Paysera Bulgaria JSC's current PS Ratio is 0.90, which is 68% below median its own 10-year median of 2.81. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Paysera Bulgaria JSC stock overvalued right now?
Paysera Bulgaria JSC (XBUL:PAY) has a current PS Ratio of 0.90. The current PS Ratio is 0.90, which is 68% below median its 10-year median of 2.81 and 53.1% below the Software industry median of 1.92. Paysera Bulgaria JSC's overall GF Score™ is 13/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For Paysera Bulgaria JSC (XBUL:PAY), the current PS Ratio is 0.90 as of Sep. 20, 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.
Paysera Bulgaria JSC operates in Bulgaria and Romania. The company provides services related to electronic money issuance and redemption, domestic and international money transfers, payment gateway solutions for e-commerce, POS terminals, debit cards, event ticketing through Paysera Tickets, QR-based retailer payments, and gold trading and storage. Its operations include marketing, sales, customer service, and technical support adapted for the local markets.
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