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v0.1
PAYS$7.44-4.00%
Fair $7.44+0.0%

PAYS

Paysign, Inc.

Technology / Software - InfrastructureNasdaqCM

$7.44

-0.31 (-4.00%)

Fairly Valued+0.0%Fair Value $7.44Fund rank 39/100 · Data gapFallback financials|
SA 64/B
F-Score: 5/9

FCF base 3Y

n/d

n/d CAGR · yield n/d

FCF base 5Y

n/d

n/d base · n/d expected

Precio de entrada

n/d

MOS 22% · confianza 25%

FCF escenarios

weak_data · normalized FCF $20.6M · quality 80.7/100

Data gap 39/100
Bear 5Yn/dn/d
Base 5Yn/dn/d
Bull 5Yn/dn/d
Return 0/100Downside 20/100Model quality 84/100Data QA 20/100

Ranking barato/determinista: CAGR esperado 5Y + downside bear + calidad del modelo + balance + capital allocation + data gate. No entra en buy-candidate si la data es débil o el CAGR 5Y no compensa.

Quality + valuation scorecard

SA Score

64/100

B

Piotroski

5/9

balance/quality

Valuation

50/100

+0.0% upside

5Y CAGR

+0.0%

50/100

Data QA

20/100

SEC 0%

Latest source: unknownPeriods: 16Warnings: 0unknown: 16
No SEC-backed annual rows; valuation uses fallback financial data. Insufficient audited annual history (<3 SEC-backed years); composite fair value and forward targets are disabled until manually verified.
Thesis & Journal · PAYSLocal privado en este navegador · Paysign, Inc.
Plantilla tipo buy-side: tesis, bull/base/bear, catalizadores, riesgos, kill criteria y fecha de revisión. Esto no gasta GPT-5.5; luego lo usamos como contexto del memo.

Sin guardar todavía.

Market Cap

$416M

P/E

43.8x

↑

EV/EBITDA

25.2x

↑

ROE

15.6%

↑

Gross Margin

59.4%

↑

Debt/Equity

0.12

↓
52-Week Range$7
$3$9

TradingView lightweight chart

PAYS price, volumen y niveles de valoración

Último $7.440Periodo +962.9%
Fair value: $7.440

Price & Ratios

Absolute Values (Left Axis)

Ratios / Percentages (Right Axis)

Financial statement dashboard

Crecimiento, márgenes y provenance

2010–2025 · 15 años de histórico normalizado

Revenue CAGR

+21.6%

FCF CAGR

+55.1%

FCF margin

54.1%

FCF / Net income

5.87x

Latest source

Provider fallback

Margin decomposition

Último año: revenue $82.0M · net income $7.6M · FCF $44.4M

2010-FY → 2025-FY

Gross margin

59.4%+42.4% pts

Operating margin

9.0%+7.1% pts

Net margin

9.2%+9.4% pts

FCF margin

54.1%+52.7% pts
MetricTTM
2025
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
2014
2013
2012
2011
2010
Income Statement
Revenue$82.0M$82.0M$58.4M$47.3M$38.0M$29.5M$24.1M$34.7M$23.4M$15.2M$10.4M$8.1M$10.3M$6.3M$6.7M$3.3M$4.3M
Net Income$7.6M$7.6M$3.8M$6.5M$1.0M$-2.7M$-9.1M$7.5M$2.6M$1.8M$1.4M$-2.4M$2.6M$611684.00$1.8M$215291.00$-8292.00
EBITDA$15.7M$15.7M$7.0M$3.9M$3.3M$-241515.00$-6.2M$7.6M$3.6M$2.6M$1.9M$353840.00$2.9M$727830.00$634100.00$322394.00$191022.00
EPS——0.070.120.02-0.05-0.190.140.050.040.030.000.060.010.050.010.00
Gross Margin59.4%59.4%55.1%51.1%55.1%49.9%38.6%55.5%48.7%44.0%43.6%50.4%54.8%34.9%20.8%26.4%17.0%
Operating Margin9.0%9.0%1.7%-0.4%0.9%-9.3%-34.6%17.6%10.6%11.6%13.0%-0.1%26.7%10.6%8.6%8.5%1.9%
Net Margin9.2%9.2%6.5%13.7%2.7%-9.2%-37.9%21.5%11.0%11.8%13.4%-29.7%25.4%9.7%27.1%6.5%-0.2%
Balance Sheet
Debt/Equity0.120.120.100.140.23————0.000.010.00—————
Current Ratio1.121.12———————————————
Cash Flow
Free Cash Flow$44.4M$44.4M$13.5M$20.6M$21.2M$14.9M$12.4M$16.2M$15.7M$6.4M$4.1M———$2.0M$186992.00$61337.00
Returns
ROE15.6%15.6%12.5%26.4%6.3%-21.0%-69.1%38.6%28.5%35.5%48.4%-189.6%95.6%1040.6%-324.8%-7.3%0.3%
Valuation
P/E43.7643.7642.7121.42134.50————————————
EV/EBITDA25.1825.1822.5732.5241.90————————————
P/B8.458.455.465.688.74————————————
Growth & Yield
Revenue Growth40.5%40.5%23.5%24.3%—22.2%-30.4%48.0%53.8%46.2%28.5%-21.2%63.2%-5.9%103.0%-24.1%—
EPS Growth——-41.7%500.0%—73.7%-235.7%180.0%25.0%33.3%—-100.0%500.0%-80.0%400.0%——

Revenue, Net Income & Free Cash Flow ($B)

Margins (%)

Returns (%)

Leverage & Liquidity

Reverse DCF · market-implied EPS growthterminal P/E 15.0x · COE 10.0%
Reverse DCF requires positive EPS; loss-making or zero-EPS companies cannot produce a clean EPS hurdle.

Qué te dice: cuánto EPS CAGR está descontando el precio si sales al múltiplo terminal indicado. Si el growth observado queda por debajo, el mercado está pidiendo una ejecución muy fina.

Return attribution · 1Y approxreconcilia total +68.7%

Total return

+68.7%

Start / end P/E

n/dx → n/dx

EPS bridge

0.07 → n/d

Residual

+68.7%

EPS growthn/d
Multiple reratingn/d
Dividend+0.0%
Residual / FX / buybacks / cross-term+68.7%

EPS/multiple decomposition requires positive EPS at both endpoints; residual absorbs price move not explained by dividends.

Simple additive decomposition: total return = EPS growth contribution + P/E multiple contribution + dividend contribution + explicit residual. The residual captures cross-terms, buybacks/share-count effects, FX, special dividends, data noise and methodology mismatch so the bridge always reconciles.