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PAYS vs PLTS

PAYS
Paysign, Inc.
NEUTRAL
Price
$5.84
Market Cap
$322.3M
Sector
Technology
AI Confidence
80%
PLTS
Platinum Analytics Cayman Limited
BEARISH
Price
$17.50
Market Cap
$316.0M
Sector
Technology
AI Confidence
95%

Valuation

P/E Ratio
PAYS
44.92
PLTS
1750.0
Forward P/E
PAYS
15.07
PLTS
--
P/B Ratio
PAYS
6.64
PLTS
58.53
P/S Ratio
PAYS
3.93
PLTS
188.65
EV/EBITDA
PAYS
19.91
PLTS
-664.28

Profitability

Gross Margin
PAYS
59.39%
PLTS
64.54%
Operating Margin
PAYS
7.06%
PLTS
-3250.49%
Profit Margin
PAYS
9.21%
PLTS
-120.73%
ROE
PAYS
19.13%
PLTS
-78.47%
ROA
PAYS
1.95%
PLTS
-8.75%

Growth

Revenue Growth
PAYS
45.8%
PLTS
-77.7%
Earnings Growth
PAYS
-3.6%
PLTS
--

Financial Health

Debt/Equity
PAYS
0.12
PLTS
0.16
Current Ratio
PAYS
1.11
PLTS
7.12
Quick Ratio
PAYS
0.43
PLTS
3.05

Dividends

Dividend Yield
PAYS
--
PLTS
--
Payout Ratio
PAYS
0.0%
PLTS
0.0%

AI Verdict

PAYS NEUTRAL

PAYS exhibits a stable financial foundation with a Piotroski F-Score of 6/9, but it is currently trading at a severe premium to its deterministic value (Graham Number: $1.60, Intrinsic Value: $0.91). While revenue growth is explosive at 45.8%, this has not yet translated into bottom-line earnings growth, which remains slightly negative (-3.60%). The stock has experienced a parabolic 1-year run (+179.4%), leading to a high trailing P/E of 44.92, though the Forward P/E of 15.07 suggests significant expected earnings acceleration. Overall, the company is fundamentally healthy but valuationally overextended.

Strengths
Exceptional YoY revenue growth of 45.80%
Very low leverage with a Debt/Equity ratio of 0.12
Strong gross margins at 59.39%
Risks
Extreme valuation gap compared to Graham and Intrinsic value baselines
Negative earnings growth (-3.60%) despite massive revenue gains
Poor short-term liquidity indicated by a Quick Ratio of 0.43
PLTS BEARISH

PLTS exhibits a critical disconnect between its market price ($17.50) and its fundamental value, with a Graham Number of $0.26 and an Intrinsic Value of $0.07. While the Piotroski F-Score of 4/9 suggests a stable financial baseline and the current ratio of 7.12 indicates strong short-term liquidity, these are overshadowed by catastrophic operating margins (-3250.49%) and a severe revenue collapse of -77.70% YoY. The stock is trading at an unsustainable P/E of 1750 and a Price/Sales ratio of 188.65, suggesting a purely speculative valuation unsupported by any growth or profitability metrics.

Strengths
Strong short-term liquidity with a Current Ratio of 7.12
Low leverage with a Debt/Equity ratio of 0.16
Positive Gross Margin of 64.54% indicating a viable core product cost structure
Risks
Extreme overvaluation relative to all fundamental benchmarks
Severe revenue contraction of -77.70% YoY
Deeply negative operating margins indicating an unsustainable business model

Compare Another Pair

PAYS vs PLTS: Head-to-Head Comparison

This page compares Paysign, Inc. (PAYS) and Platinum Analytics Cayman Limited (PLTS) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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