PAYS (PaySign) ROE % Adjusted to Book Value: 7.03% (As of Mar. 2026)

Author:

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.

View Profile →

Reviewed by:

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.

View Profile →

Valuation Significantly Overvalued

7 Warning Signs

View Full Analysis

What is PaySign ROE % Adjusted to Book Value?

PaySign PAYS -5.37% 69 ROE % Adjusted to Book Value is 7.03% as of Mar. 2026. 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.

PaySign's ROE % for the quarter that ended in Mar. 2026 was 42.04%. PaySign's PB Ratio for the quarter that ended in Mar. 2026 was 5.98. PaySign's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 7.03%.

PaySign ROE % Adjusted to Book Value Related Terms

PaySign ROE % Adjusted to Book Value Historical Data

* Premium members only.

The historical data trend for PaySign's ROE % Adjusted to Book Value 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.

PaySign ROE % Adjusted to Book Value Chart

PaySign Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

ROE % Adjusted to Book Value

Get a 7-Day Free Trial

-3.26

0.85

5.25

2.62

3.27

PaySign Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
ROE % Adjusted to Book Value	Get a 7-Day Free Trial															10.16	1.47	2.66	1.98	7.03

PAYS vs SWMR, YEXT, CINT: ROE % Adjusted to Book Value Comparison

For the Software - Infrastructure subindustry, PaySign's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Software Industry

For the Software industry and Technology sector, PaySign's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where PaySign's ROE % Adjusted to Book Value falls into.

Save Embed

69GF Score

PaySign Inc PAYS

ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.

View Full Analysis

PaySign ROE % Adjusted to Book Value Calculation

PaySign's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value	=	ROE %	/	PB Ratio
	=	19.14%	/	5.85
	=	3.27%

PaySign's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 is calculated as

ROE % Adjusted to Book Value	=	ROE %	/	PB Ratio
	=	42.04%	/	5.98
	=	7.03%

Frequently Asked Questions Learn more about ROE % Adjusted to Book Value →

What does a ROE % Adjusted to Book Value of 7.03% mean?

PaySign (PAYS) has a ROE % Adjusted to Book Value of 7.03% as of Mar. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on PaySign and its competitors.

Is PaySign's ROE % Adjusted to Book Value too high?

PaySign's current ROE % Adjusted to Book Value is 7.03%. 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 ROE % Adjusted to Book Value compare to SWMR and YEXT?

PaySign's ROE % Adjusted to Book Value of 7.03% can be compared against companies in the Software industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good ROE % Adjusted to Book Value for a Software company?

A good ROE % Adjusted to Book Value depends on the Software industry context. However, ROE % Adjusted to Book Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.

What does a high ROE % Adjusted to Book Value mean?

A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on PaySign and its competitors. PaySign's current ROE % Adjusted to Book Value is 7.03%. 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 $8.63 — trading 44.8% above its estimated fair value. The current ROE % Adjusted to Book Value is 7.03%. 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 ROE % Adjusted to Book Value calculated?

ROE % Adjusted to Book Value is calculated from a company's financial statements. For PaySign (PAYS), the current ROE % Adjusted to Book Value is 7.03% 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 $8.63 is trading 44.8% above its estimated GF Value™ of $5.96. GuruFocus considers PaySign to be Significantly Overvalued.

Key valuation signals for PAYS:

ROE % Adjusted to Book Value: 7.03%
GF Value™: $5.96 vs. price of $8.63 (44.8% above fair value)
GF Score™: 69/100 with 7 warning signs

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 Business Description

Industry Technology Software

Comparable Companies SWMR YEXT CINT GRRR IMXI ARQQ IIIV AIOT OWLS RPD MSFT ORCL PLTR PANW CRWD HKSE:02513 FTNT SNPS NET CRWV

Address 2615 Saint Rose Parkway, Henderson, NV, USA, 89052

Website https://www.paysign.com

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

Get the complete analysis for PAYS

ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$8.63

Price

$5.96

GF Value

View PAYS Analysis

See ROE % Adjusted to Book Value data for all stocks →