Paysign Inc (PAYS) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Paysign Inc stock (PAYS) is currently trading at $3.77. Paysign Inc PE ratio is 25.69. Paysign Inc PS ratio (Price-to-Sales) is 2.46. Analyst consensus price target for PAYS is $9.25. WallStSmart rates PAYS as Hold.
- PAYS PE ratio analysis and historical PE chart
- PAYS PS ratio (Price-to-Sales) history and trend
- PAYS intrinsic value — DCF, Graham Number, EPV models
- PAYS stock price prediction 2025 2026 2027 2028 2029 2030
- PAYS fair value vs current price
- PAYS insider transactions and insider buying
- Is PAYS undervalued or overvalued?
- Paysign Inc financial analysis — revenue, earnings, cash flow
- PAYS Piotroski F-Score and Altman Z-Score
- PAYS analyst price target and Smart Rating
Paysign Inc
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PAYS Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Paysign Inc (PAYS)
PAYS trades at a significant discount to its Graham intrinsic value of $6.08, offering a 44% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Paysign Inc (PAYS) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in return on equity, revenue growth, eps growth. Concerns around market cap and operating margin. Fundamentals are solid but monitor weak areas for improvement.
Paysign Inc (PAYS) Key Strengths (3)
Revenue surging 41.60% year-over-year
Earnings per share surging 48.80% year-over-year
Every $100 of equity generates $20 in profit
Supporting Valuation Data
Paysign Inc (PAYS) Areas to Watch (6)
Very thin margins with limited operational efficiency
Micro-cap company with very limited liquidity and high volatility
Premium pricing at 3.9x book value
Revenue is fairly priced at 2.46x sales
Decent profitability, keeps $10 per $100 revenue
Moderate institutional interest at 46.79%
Supporting Valuation Data
Paysign Inc (PAYS) Detailed Analysis Report
Overall Assessment
This company scores 56/100 in our Smart Analysis, earning a C grade. Out of 9 metrics analyzed, 3 register as strengths (avg 9.7/10) while 6 fall into concern territory (avg 4.5/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Revenue Growth, EPS Growth, Return on Equity. Profitability is solid with Return on Equity at 20.40%. Growth metrics are encouraging with Revenue Growth at 41.60%, EPS Growth at 48.80%.
The Bear Case
The primary concerns are Operating Margin, Market Cap, Price/Book. Some valuation metrics including Price/Sales (2.46), Price/Book (3.88) suggest expensive pricing. Profitability pressure is visible in Operating Margin at 7.32%, Profit Margin at 10.10%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Operating Margin improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 20.40% currently healthy but needing to be sustained. Third, growth sustainability, with Revenue Growth at 41.60% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Revenue Growth, EPS Growth) and negatives (Operating Margin, Market Cap). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
PAYS Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
PAYS's Price-to-Sales ratio of 2.46x trades at a deep discount to its historical average of 5.38x (35th percentile). The current valuation is 93% below its historical high of 32.97x set in Jul 2019, and 173% above its historical low of 0.9x in Sep 2011. Over the past 12 months, the PS ratio has expanded from ~2.0x, reflecting growing market expectations outpacing revenue growth.
Compare PAYS with Competitors
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Data-driven financial summary for Paysign Inc (PAYS) · TECHNOLOGY › SOFTWARE - INFRASTRUCTURE
The Big Picture
Paysign Inc is a strong growth company balancing expansion with improving profitability. Revenue reached 75M with 42% growth year-over-year. Profit margins of 10.1% are healthy, with room for further expansion as the business scales.
Key Findings
Revenue growing at 42% YoY, reaching 75M. This pace significantly outperforms most SOFTWARE - INFRASTRUCTURE peers.
ROE of 2040.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
What to Watch Next
Margin expansion: can Paysign Inc push profit margins above 15% as the business scales?
Growth sustainability: can Paysign Inc maintain 42%+ revenue growth, or will competition slow it down?
Sector dynamics: monitor SOFTWARE - INFRASTRUCTURE industry trends, competitive moves, and regulatory changes that could impact Paysign Inc.
Bottom Line
Paysign Inc offers an attractive blend of growth (42% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Paysign Inc(PAYS)
NASDAQ
TECHNOLOGY
SOFTWARE - INFRASTRUCTURE
USA
PaySign, Inc. offers prepaid card products and processing services under the PaySign brand for corporate, consumer and government applications. The company is headquartered in Henderson, Nevada.