📊 PAYS Key Takeaways
Is Paysign, Inc. (PAYS) a Good Investment?
Paysign demonstrates strong revenue growth (+40.5% YoY) with exceptional free cash flow generation (51.2M, 62.5% FCF margin), indicating a capital-efficient business model. However, net income growth has stalled despite revenue expansion, suggesting operating expense pressure that requires monitoring despite the company's fortress balance sheet with minimal leverage.
Why Buy Paysign, Inc. Stock? PAYS Key Strengths
- Exceptional free cash flow generation of 51.2M representing 62.5% of revenue with minimal capital requirements
- Strong revenue growth of 40.5% YoY with healthy 59.4% gross margins indicating product-market strength
- Fortress balance sheet with very low leverage (0.13x Debt/Equity) providing substantial financial flexibility
PAYS Stock Risks: Paysign, Inc. Investment Risks
- Net income flat YoY (0.0%) despite 40.5% revenue growth indicating concerning margin compression
- Operating margin of 9% is relatively thin and shows cost structure challenges as business scales
- Low insider activity and modest ROA of 2.7% suggest limited confidence in asset deployment efficiency
Key Metrics to Watch
- Operating margin expansion as revenue scales to ensure profit growth matches top-line growth
- Operating cash flow sustainability and conversion rate relative to growing revenue
- Capital expenditure requirements and working capital efficiency to maintain the exceptional FCF margin
Paysign, Inc. (PAYS) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 62.5% 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 |
|---|---|---|---|
| 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 |
| Q2 2023 | $8.6M | -$104.2K | $0.00 |
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 rating of BUY with 78% confidence, based on fundamental analysis of SEC EDGAR filings.
What are PAYS's key strengths?
Claude: Exceptional free cash flow generation of 51.2M representing 62.5% of revenue with minimal capital requirements. Strong revenue growth of 40.5% YoY with healthy 59.4% gross margins indicating product-market strength.
What are the risks of investing in PAYS?
Claude: Net income flat YoY (0.0%) despite 40.5% revenue growth indicating concerning margin compression. Operating margin of 9% is relatively thin and shows cost structure challenges as business scales.
What is PAYS's revenue and growth?
Paysign, Inc. reported revenue of $82.0M.
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 $0.13.
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 rating reflects both perspectives for balanced insights.
Is PAYS a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Paysign, Inc. has a BUY rating with 78% 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 15.6% (sector avg: 16%), net margin of 9.2% (sector avg: 10%). Compare these metrics with sector averages to assess valuation.
Should I buy PAYS stock in 2026?
Our dual AI analysis gives Paysign, Inc. a combined BUY rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is PAYS's free cash flow?
Paysign, Inc.'s operating cash flow is $52.5M, with capital expenditures of $1.2M. FCF margin is 62.5%.
How does PAYS compare to other Services stocks?
Vs Services sector averages: Net margin 9.2% (avg: 10%), ROE 15.6% (avg: 16%), current ratio 1.11 (avg: 1.5).