📊 PAYS Key Takeaways
Is Paysign, Inc. (PAYS) a Good Investment?
Paysign exhibits strong revenue growth of 40.5% YoY with exceptional free cash flow generation (66% of revenue), indicating a fundamentally sound and highly cash-generative business. The substantial operating cash flow (18.8M) relative to net income (5.4M) suggests non-cash charges from acquisitions or capital investments are masking operational strength, while an excellent balance sheet (0.08x D/E) provides financial stability despite flat net income growth.
Paysign, Inc. Key Strengths (PAYS)
- Exceptional free cash flow margin of 66% demonstrates strong cash generation independent of reported earnings
- Strong revenue growth of 40.5% YoY with high gross margin of 65% showing pricing power
- Excellent balance sheet with minimal debt (0.08x D/E ratio) and only 4.6M long-term debt providing downside protection
- Operating cash flow of 18.8M significantly exceeds net income of 5.4M, indicating quality earnings and likely non-cash charges
- Operating margin of 23.8% and 67% operating cash flow margin show underlying operational efficiency
PAYS Stock Risks: Paysign, Inc. Investment Risks
- Net income flat YoY despite 40.5% revenue growth indicates margin compression or operating expense growth outpacing gross profit growth
- Low return on assets (1.7%) and modest ROE (9.9%) suggest capital inefficiency or acquisition integration challenges
- Current ratio of 1.12x provides minimal liquidity cushion for unexpected cash demands
- High asset base (312.7M) relative to revenue (28M) and low profit returns suggest potential capital deployment inefficiency
- Rapid operating expense growth may indicate unsustainable cost structure if not managed
Key Metrics to Watch
- Free cash flow trend and sustainability of exceptional 66% FCF margin
- Net income growth rate acceleration - must improve from flat growth to validate business model
- Operating margin stability and operating expense ratio - critical to understand profitability trajectory
- Return on assets improvement over time - ROA of 1.7% should increase as company achieves operational scale
Paysign, Inc. (PAYS) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 66.0% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments.
PAYS Profit Margin, ROE & Profitability Analysis
PAYS vs Services Sector: How Paysign, Inc. Compares
How Paysign, Inc. compares to Services sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Paysign, Inc. Stock Overvalued? PAYS Valuation Analysis 2026
Based on fundamental analysis, Paysign, Inc. has mixed fundamental signals relative to the Services sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Paysign, Inc. Balance Sheet: PAYS Debt, Cash & Liquidity
PAYS Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Paysign, Inc.'s revenue has grown significantly by 178% over the 5-year period, indicating strong business expansion. The most recent EPS of $0.07 reflects profitable operations.
PAYS Revenue Growth, EPS Growth & YoY Performance
PAYS Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $18.6M | $2.6M | $0.05 |
| Q3 2025 | $15.3M | $309.1K | $0.03 |
| Q2 2025 | $14.3M | $309.1K | $0.01 |
| Q1 2025 | $13.2M | $309.1K | $0.01 |
| Q3 2024 | $12.4M | -$104.2K | $0.02 |
| Q2 2024 | $11.0M | -$104.2K | $0.00 |
| Q1 2024 | $10.1M | -$160.1K | $0.00 |
| Q3 2023 | $10.6M | -$104.2K | $0.01 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Paysign, Inc. Dividends, Buybacks & Capital Allocation
PAYS SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Paysign, Inc. (CIK: 0001496443)
📋 Recent SEC Filings
❓ Frequently Asked Questions about PAYS
What is the AI rating for PAYS?
Paysign, Inc. (PAYS) has an AI grade of A with 70% confidence, based on fundamental analysis of SEC EDGAR filings.
What are PAYS's key strengths?
Claude: Exceptional free cash flow margin of 66% demonstrates strong cash generation independent of reported earnings. Strong revenue growth of 40.5% YoY with high gross margin of 65% showing pricing power.
What are the risks of investing in PAYS?
Claude: Net income flat YoY despite 40.5% revenue growth indicates margin compression or operating expense growth outpacing gross profit growth. Low return on assets (1.7%) and modest ROE (9.9%) suggest capital inefficiency or acquisition integration challenges.
What is PAYS's revenue and growth?
Paysign, Inc. reported revenue of $28.0M.
Does PAYS pay dividends?
Paysign, Inc. does not currently pay dividends.
Where can I find PAYS SEC filings?
Official SEC filings for Paysign, Inc. (CIK: 0001496443) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is PAYS's EPS?
Paysign, Inc. has a diluted EPS of $0.09.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is PAYS's fundamental grade?
Based on our AI fundamental analysis in June 2026, Paysign, Inc. has a A grade with 70% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.
Is PAYS stock overvalued or undervalued?
Valuation metrics for PAYS: ROE of 9.9% (sector avg: 16%), net margin of 19.4% (sector avg: 10%). Compare these metrics with sector averages to assess valuation.
What is PAYS's AI grade for 2026?
Our dual AI analysis gives Paysign, Inc. a combined A grade for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is PAYS's free cash flow?
Paysign, Inc.'s operating cash flow is $18.8M, with capital expenditures of $266.5K. FCF margin is 66.0%.
How does PAYS compare to other Services stocks?
Vs Services sector averages: Net margin 19.4% (avg: 10%), ROE 9.9% (avg: 16%), current ratio 1.12 (avg: 1.5).