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PAYS

NEUTRAL
$5.84 Live
Paysign, Inc. · NASDAQ
Target $9.8 (+67.8%)
$2.08 52W Range $8.88

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 17, 2026
Market cap
$322.28M
P/E
44.92
ROE
19.1%
Profit margin
9.2%
Debt/Equity
0.12
Dividend yield
N/A

AI Analysis

AI-powered fundamental assessment

Confidence
80%
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.

Key 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%
Healthy Return on Equity (ROE) of 19.13%
Significant analyst upside with a target price of $9.80

Key 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
Bearish insider sentiment with recent selling activity
High risk of a technical correction following a 71.8% one-month price surge
AI Fair Value Estimate
Based on comprehensive analysis
$4.25
-27.2% below current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
50
Moderate
Value
20
Future
85
Past
70
Health
75
Dividend
0
AI Verdict
Growth-driven Speculative
Key drivers: Hyper-growth revenue, Low debt profile, Valuation disconnect
Confidence
85%
Value
20/100

Ref P/E, PEG, Graham Number

Positives
  • Forward P/E (15.07) is attractive
Watchpoints
  • Price is 3.6x the Graham Number
  • Price is 6.4x the Intrinsic Value
  • High Price/Book ratio of 6.64
Future
85/100

Ref Growth rates

Positives
  • 45.8% YoY Revenue growth
  • Strong analyst target price ($9.80)
Watchpoints
  • Earnings growth not yet scaling with revenue
Past
70/100

Ref Historical trends

Positives
  • Massive 1-year price appreciation (+179.4%)
  • Consistent revenue scaling
Watchpoints
  • Inconsistent earnings surprise track record
Health
75/100

Ref Altman Z-Score, Piotroski F-Score

Positives
  • Piotroski F-Score of 6/9 (Stable)
  • Very low Debt/Equity (0.12)
Watchpoints
  • Low Quick Ratio (0.43)
Dividend
0/100

Ref Yield, Payout

Positives
No standout positives identified.
Watchpoints
  • No dividend payments
  • 0/100 dividend strength

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$5.84
Analyst Target
$9.8
Upside/Downside
+67.8%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for PAYS and closest competitors.

Updated 2026-04-16
PAY
Paysign, Inc.
Primary
5Y
+47.5%
3Y
+54.5%
1Y
+179.4%
6M
+5.8%
1M
+71.8%
1W
+5.6%
MTL
Materialise NV
Peer
5Y
-84.5%
3Y
-33.9%
1Y
+16.3%
6M
-13.8%
1M
-0.6%
1W
+3.8%
PLT
Platinum Analytics Cayman Limited
Peer
5Y
+145.4%
3Y
+145.4%
1Y
+145.4%
6M
0.0%
1M
0.0%
1W
0.0%
HCK
The Hackett Group, Inc.
Peer
5Y
-21.0%
3Y
-30.1%
1Y
-51.5%
6M
-31.6%
1M
-12.3%
1W
-6.5%
SPT
Sprout Social, Inc.
Peer
5Y
-90.8%
3Y
-89.8%
1Y
-71.9%
6M
-47.5%
1M
-2.3%
1W
+10.6%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
44.92
Forward P/E
15.07
PEG Ratio
N/A
P/B Ratio
6.64
P/S Ratio
3.93
EV/Revenue
3.75
EV/EBITDA
19.91
Market Cap
$322.28M

Profitability

Profit margins and return metrics

Profit Margin 9.21%
Operating Margin 7.06%
Gross Margin 59.39%
ROE 19.13%
ROA 1.95%

Growth

Revenue and earnings growth rates

Revenue Growth +45.8%
Earnings Growth -3.6%
Q/Q Revenue Growth +45.81%
Q/Q Earnings Growth -0.7%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
0.12
Low debt
Current Ratio
1.11
Good
Quick Ratio
0.43
Poor
Cash/Share
$0.38

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue
$0.0B
Gross Margin
57.7%
Op. Margin
8.1%
Net Margin
6.0%
Total Assets
$0.3B
Liabilities
$0.2B
Equity
$0.0B
Debt/Equity
4.70x
Operating CF
$0.0B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
97%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-05-07
$N/A
2026-03-24
$0.02
-33.3% surprise
2025-11-12
$0.04
+100.0% surprise
2025-08-05
$0.02
-42.9% surprise

Technology Sector Comparison

Comparing PAYS against 490 companies in the Technology sector (40 bullish, 167 neutral, 283 bearish)
P/E Ratio
44.92
This Stock
vs
87.09
Sector Avg
-48.4% (Discount)
Return on Equity (ROE)
19.13%
This Stock
vs
-34.81%
Sector Avg
-155.0% (Below Avg)
Profit Margin
9.21%
This Stock
vs
-12.62%
Sector Avg
-172.9% (Weaker)
Debt to Equity
0.12
This Stock
vs
0.71
Sector Avg
-82.6% (Less Debt)
Revenue Growth
45.8%
This Stock
vs
5058.57%
Sector Avg
-99.1% (Slower)
Current Ratio
1.11
This Stock
vs
3.77
Sector Avg
-70.5% (Weaker)

Similar Companies

Peer comparison within the same industry

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

BAKER JEFFERY BRADFORD
Chief Financial Officer
Stock Award
2026-02-27
60,000 shares
STROBO ROBERT
Officer
Sell
2025-12-12
20,000 shares · $109,400
Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

DEF 14A
DEFINITIVE PROXY STATEMENT
2026-03-26

PAYS filed a Definitive Proxy Statement (DEF 14A) on March 26, 2026, providing shareholders with necessary information to vote on corporate matters at the upcoming annual meeting.

10-K
FORM 10-K FOR DEC 2025
2026-03-25

PAYS filed its annual 10-K report for the fiscal year ending December 2025 on March 25, 2026. The provided excerpts do not contain specific financial highlights or detailed risk factors.

8-K
CURRENT REPORT
2026-03-24

Payoneer Global Payments Ltd. (PAYS) filed a current report on March 24, 2026, likely announcing quarterly financial results.

10-Q
FORM 10-Q FOR SEP 2025
2025-11-13

PAYS filed its Form 10-Q for the period ending September 2025 on November 13, 2025. While the filing includes a section for risk factors under Item 1A, specific financial highlights and detailed risk disclosures were not provided in the available excerpts.

8-K
CURRENT REPORT
2025-11-12

Payoneer Global Payments Ltd. (PAYS) filed a current report on November 12, 2025, likely announcing its third-quarter financial results.

8-K
CURRENT REPORT
2025-09-16
10-Q
FORM 10-Q FOR JUNE 2025
2025-08-06

PAYS filed its Form 10-Q for the period ending June 2025 on August 6, 2025. Due to the limited content provided in the excerpts, specific financial highlights and detailed risk factors are unavailable for analysis.

8-K
FORM 8-K
2025-08-05

Payoneer Global Ltd (PAYS) likely reported its second-quarter financial results in this 8-K filing dated August 5, 2025.

8-K
CURRENT REPORT
2025-06-06
8-K
FORM 8-K
2025-05-13

Payoneer Global Payments Ltd. (PAYS) filed an 8-K on May 13, 2025, likely to report its first-quarter financial results.

10-Q
FORM 10-Q FOR MAR 2025
2025-05-09
8-K
FORM 8-K
2025-05-08
DEF 14A
DEFINITIVE PROXY STATEMENT
2025-03-27
10-K
FORM 10-K FOR DEC 2024
2025-03-26
8-K
FORM 8-K
2025-03-25
Data sourced from SEC EDGAR. AI summaries generated automatically.

Wall Street Analysts

Professional analyst ratings and price targets

Consensus
NONE
5 analysts
DA Davidson
2026-03-26
Maintains
Buy Buy
Lake Street
2026-03-25
Maintains
Buy Buy
DA Davidson
2025-11-13
Maintains
Buy Buy

Past News Coverage

Recent headlines mentioning PAYS from our newsroom.

Newest → oldest
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