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PaySign, Inc.(PAYS)Earnings, Financials & Key Ratios
PAYS•NASDAQ
$6.53
$359M mkt cap·95.2× P/E·Price updated May 6, 2026
AboutPaySign, Inc. provides prepaid card products and processing services under the PaySign brand for corporate, consumer, and government applications. It offers various services, such as transaction processing, cardholder enrollment, value loading, cardholder account management, reporting, and customer service through PaySign, a proprietary card-processing platform. The company also develops prepaid card programs for corporate incentive and rewards, including consumer rebates, donor compensation, clinical trials, healthcare reimbursement payments, and pharmaceutical payment assistance; and payroll or general purpose reloadable cards, as well as gift or incentive cards. In addition, it offers and Per Diem/Corporate Expense Payments that allows businesses, and nonprofits and government agencies the ability to control employee spending while reducing administration costs by eliminating the need for traditional expense reports. Further, the company provides payment claims processing and other administrative services; pharmacy-based voucher and copay, and medical claims and debit-based affordability programs; PaySign Premier, a demand deposit account debit card; and payment solution for source plasma collection centers, as well as customer service center and PaySign Communications Suite services. Its principal target markets for processing services comprise prepaid card issuers, retail and private-label issuers, small third-party processors, and small and mid-size financial institutions in the United States and Mexico. The company was formerly known as 3PEA International, Inc. and changed its name to PaySign, Inc. in April 2019. PaySign, Inc. was incorporated in 1995 and is based in Henderson, Nevada.Show more
- Revenue$58M+23.5%
- EBITDA$7M+81.8%
- Net Income$4M-40.9%
- EPS (Diluted)0.07-42.8%
- Gross Margin55.15%+8.0%
- EBITDA Margin12.02%+47.2%
- Operating Margin1.75%+594.5%
- Net Margin6.54%-52.2%
- ROE13.89%-56.1%
- ROIC4.59%+485.1%
- Debt/Equity0.10-28.9%
PAYS Key Insights
PaySign, Inc. (PAYS) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Company is almost debt free
- ✓Strong Piotroski F-Score: 7/9
- ✓FCF machine: 23.1% free cash flow margin
- ✓Momentum leader: RS Rating 90 (top 10%)
- ✓High quality earnings: Operating CF exceeds net income
- ✓Strong 5Y sales CAGR of 11.0%
✗Weaknesses
- ✗Profits declining 12.5% over 5 years
- ✗Expensive at 11.9x book value
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
PAYS Price & Volume
PaySign, Inc. (PAYS) stock price & volume — 10-year historical chart
Loading chart...
PAYS Growth Metrics
PaySign, Inc. (PAYS) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years18.95%
5 Years10.99%
3 Years25.6%
TTM32.61%
Profit CAGR
10 Years3.87%
5 Years-12.53%
3 Years-
TTM-6.24%
EPS CAGR
10 Years1.35%
5 Years-13.3%
3 Years-
TTM-6.33%
Return on Capital
10 Years13.4%
5 Years-11.44%
3 Years1.52%
Last Year3.39%
PAYS Recent Earnings
PaySign, Inc. (PAYS) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 6/12 qtrs (60%)●Beat Revenue 8/12 qtrs (67%)
Q2 2026Latest
Mar 24, 2026EPS
$0.02
Est $0.02
+0.0%
Revenue
$23M
Est $22M
+5.6%
Q4 2025
Nov 12, 2025EPS
$0.04
Est $0.03
+33.3%
Revenue
$22M
Est $22M
+0.2%
Q3 2025
Aug 5, 2025EPS
$0.02
Est $0.04
-50.0%
Revenue
$19M
Est $19M
+2.1%
Q2 2025
May 8, 2025EPS
$0.05
Est $0.02
+150.0%
Revenue
$19M
Est $17M
+6.3%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Mar 24, 2026 | $0.02vs $0.02+0.0% | $23Mvs $22M+5.6% |
| Q4 2025 | Nov 12, 2025 | $0.04vs $0.03+33.3% | $22Mvs $22M+0.2% |
| Q3 2025 | Aug 5, 2025 | $0.02vs $0.04-50.0% | $19Mvs $19M+2.1% |
| Q2 2025 | May 8, 2025 | $0.05vs $0.02+150.0% | $19Mvs $17M+6.3% |
Based on last 12 quarters of dataView full earnings history →
PAYS Peer Comparison
PaySign, Inc. (PAYS) competitors in Payments and fintech infrastructure — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 USIO | 37.44M | 1.35 | -14.47 | 2.97% | -2.94% | -13.52% | 0.14 | |
 PRTH | 430.83M | 5.26 | 7.74 | 8.33% | 5.84% | |||
 EVTC | 1.74B | 28.16 | 12.80 | 10.21% | 9.6% | 11.07% | 1.58 | |
 GDOT | 697.9M | 12.56 | -7.02 | 20.69% | -10.77% | 0.07 | ||
 ACLX | 6.73B | 115.07 | -28.27 | -79.35% | -10.27% | -55.42% | 0.24 | |
 RPAY | 303.9M | 3.45 | -1.15 | -1.21% | -82.73% | -46.64% | 0.91 | |
 FLYW | 2.09B | 17.51 | 159.18 | 26.59% | 6.65% | 5.87% | ||
 IIIV | 486.07M | 22.00 | 39.29 | -7.29% | 7.33% | 3.22% | 0.01 |
Compare PAYS vs Peers
PaySign, Inc. (PAYS) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
PAYS Income Statement
PaySign, Inc. (PAYS) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Sales/Revenue | 10.42M | 15.23M | 23.42M | 34.67M | 24.12M | 29.46M | 38.03M | 47.27M | 58.38M | 74.88M |
| Revenue Growth % | 28.48% | 46.25% | 53.76% | 48% | -30.42% | 22.16% | 29.08% | 24.3% | 23.5% | 32.61% |
| Cost of Goods Sold | 5.2M | 8.53M | 12.03M | 15.43M | 14.82M | 14.75M | 17.08M | 23.14M | 26.19M | 30.08M |
| COGS % of Revenue | 49.89% | 56.02% | 51.34% | 44.5% | 61.43% | 50.07% | 44.91% | 48.94% | 44.85% | - |
| Gross Profit | 5.22M▲ 0% | 6.7M▲ 28.4% | 11.4M▲ 70.1% | 19.24M▲ 68.8% | 9.3M▼ 51.6% | 14.71M▲ 58.1% | 20.95M▲ 42.4% | 24.14M▲ 15.2% | 32.2M▲ 33.4% | 44.8M▲ 0% |
| Gross Margin % | 50.11% | 43.98% | 48.66% | 55.5% | 38.57% | 49.93% | 55.09% | 51.06% | 55.15% | 59.82% |
| Gross Profit Growth % | 27.67% | 28.37% | 70.11% | 68.83% | -51.65% | 58.13% | 42.43% | 15.18% | 33.4% | - |
| Operating Expenses | 3.86M | 4.93M | 8.92M | 13.14M | 17.64M | 17.45M | 20.61M | 24.3M | 31.18M | 38.82M |
| OpEx % of Revenue | 37.06% | 32.37% | 38.1% | 37.9% | 73.14% | 59.23% | 54.19% | 51.41% | 53.4% | - |
| Selling, General & Admin | 3.29M | 4.06M | 7.84M | 11.66M | 15.09M | 15.83M | 18.16M | 20.28M | 25.18M | 7.03M |
| SG&A % of Revenue | 31.57% | 26.62% | 33.45% | 33.63% | 62.57% | 53.72% | 47.75% | 42.89% | 43.13% | - |
| Research & Development | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| R&D % of Revenue | - | - | - | - | - | - | - | - | - | - |
| Other Operating Expenses | 16.15K | 55.54K | -31.13K | 1.48M | 2.55M | 1.62M | 2.45M | 4.03M | 5.99M | 4M |
| Operating Income | 1.36M▲ 0% | 1.77M▲ 30.1% | 2.47M▲ 39.9% | 6.1M▲ 146.8% | -8.34M▼ 236.7% | -2.74M▲ 67.1% | 344.33K▲ 112.6% | -167.25K▼ 148.6% | 1.02M▲ 710.7% | 5.97M▲ 0% |
| Operating Margin % | 13.04% | 11.6% | 10.56% | 17.6% | -34.57% | -9.3% | 0.91% | -0.35% | 1.75% | 7.98% |
| Operating Income Growth % | 15413.45% | 30.12% | 39.87% | 146.77% | -236.65% | 67.15% | 112.57% | -148.57% | 710.75% | - |
| EBITDA | 1.93M | 2.64M | 3.56M | 7.58M | -6.21M | -241.51K | 3.25M | 3.86M | 7.02M | 13.72M |
| EBITDA Margin % | 18.54% | 17.36% | 15.21% | 21.88% | -25.76% | -0.82% | 8.56% | 8.16% | 12.02% | 18.32% |
| EBITDA Growth % | 445.71% | 36.93% | 34.73% | 112.93% | -181.92% | 96.11% | 1447.31% | 18.6% | 81.81% | 105.99% |
| D&A (Non-Cash Add-back) | 572.32K | 876.19K | 1.09M | 1.48M | 2.12M | 2.5M | 2.91M | 4.03M | 5.99M | 7.74M |
| EBIT | 1.37M | 1.77M | 2.58M | 6.54M | -7.91M | -3.62M | -115.42K | -167.25K | 1.02M | 6.64M |
| Net Interest Income | -77.11K | 7.6K | 139.74K | 441.12K | 90.72K | 28.3K | 790.92K | 2.53M | 3.12M | 2.8M |
| Interest Income | 0 | 0 | 139.74K | 441.12K | 90.72K | 28.3K | 790.92K | 2.53M | 3.12M | 2.8M |
| Interest Expense | 77.11K | 31.62K | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Income/Expense | -60.96K | 23.92K | 108.61K | 441.12K | 90.72K | 28.3K | 790.92K | 2.53M | 3.12M | 2.8M |
| Pretax Income | 1.3M▲ 0% | 1.79M▲ 38.1% | 2.58M▲ 44.1% | 6.54M▲ 153.5% | -8.25M▼ 226.1% | -2.71M▲ 67.1% | 1.14M▲ 141.9% | 2.36M▲ 108.2% | 4.14M▲ 75.1% | 8.78M▲ 0% |
| Pretax Margin % | 12.46% | 11.76% | 11.02% | 18.87% | -34.19% | -9.2% | 2.98% | 5% | 7.09% | 11.72% |
| Income Tax | 0 | 6K | 0 | -909.98K | 894.18K | 10.2K | 107.48K | -4.09M | 322.29K | 1.21M |
| Effective Tax Rate % | 0% | 0.33% | 0% | -13.91% | -10.84% | -0.38% | 9.47% | -173.23% | 7.79% | 13.83% |
| Net Income | 1.4M▲ 0% | 1.79M▲ 27.9% | 2.59M▲ 44.5% | 7.45M▲ 188.0% | -9.14M▼ 222.6% | -2.72M▲ 70.2% | 1.03M▲ 137.8% | 6.46M▲ 528.4% | 3.82M▼ 40.9% | 7.56M▲ 0% |
| Net Margin % | 13.45% | 11.76% | 11.05% | 21.5% | -37.9% | -9.24% | 2.7% | 13.66% | 6.54% | 10.1% |
| Net Income Growth % | 158.12% | 27.87% | 44.49% | 188.03% | -222.63% | 70.23% | 137.77% | 528.42% | -40.92% | -6.24% |
| Net Income (Continuing) | 1.3M | 1.79M | 2.58M | 7.45M | -9.14M | -2.72M | 1.03M | 6.46M | 3.82M | 7.56M |
| Discontinued Operations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Minority Interest | -194.69K | -200.12K | -206.93K | -263.09K | 0 | 0 | 0 | 0 | 0 | 0 |
| EPS (Diluted) | 0.03▲ 0% | 0.04▲ 33.3% | 0.05▲ 24.5% | 0.14▲ 181.1% | -0.19▼ 235.7% | -0.05▲ 71.9% | 0.02▲ 136.3% | 0.12▲ 518.6% | 0.07▼ 42.8% | 0.12▲ 0% |
| EPS Growth % | 149.34% | 33.33% | 24.5% | 181.12% | -235.71% | 71.89% | 136.33% | 518.56% | -42.83% | -6.33% |
| EPS (Basic) | 0.03 | 0.04 | 0.05 | 0.16 | -0.19 | -0.05 | 0.02 | 0.12 | 0.07 | - |
| Diluted Shares Outstanding | 43.87M | 48.04M | 51.99M | 54.55M | 49.27M | 50.98M | 52.93M | 54.16M | 55.59M | 61.77M |
| Basic Shares Outstanding | 42.88M | 43.4M | 51.76M | 47.44M | 49.27M | 50.98M | 52.05M | 52.49M | 53.21M | 54.8M |
| Dividend Payout Ratio | - | - | - | - | - | - | - | - | - | - |
PAYS Balance Sheet
PaySign, Inc. (PAYS) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Current Assets | 12.02M | 17.9M | 33.18M | 47.88M | 57.96M | 74.33M | 97.72M | 129.18M | 158.84M | 171.3M |
| Cash & Short-Term Investments | 1.63M | 2.75M | 5.62M | 9.66M | 7.83M | 7.39M | 9.71M | 16.99M | 10.77M | 7.53M |
| Cash Only | 1.63M | 2.75M | 5.62M | 9.66M | 7.83M | 7.39M | 9.71M | 16.99M | 10.77M | 7.53M |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accounts Receivable | 110.27K | 165.52K | 337.3K | 891.94K | 512.1K | 3.39M | 4.68M | 16.22M | 34.25M | 49.64M |
| Days Sales Outstanding | 3.86 | 3.97 | 5.26 | 9.39 | 7.75 | 42.04 | 44.92 | 125.25 | 214.09 | 217.53 |
| Inventory | 10M | 14.42M | 26.05M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Days Inventory Outstanding | 702.45 | 616.57 | 790.63 | - | - | - | - | - | - | - |
| Other Current Assets | 10M | 14.42M | 26.05M | 35.91M | 48.24M | 62.3M | 81.63M | 93.94M | 113.82M | 111.67M |
| Total Non-Current Assets | 1.86M | 2.5M | 3M | 5.67M | 9.87M | 9.72M | 10.53M | 17.42M | 20.19M | 38.21M |
| Property, Plant & Equipment | 300.76K | 854.4K | 883.49K | 937.18K | 6.17M | 5.64M | 4.87M | 4.3M | 3.95M | 7.39M |
| Fixed Asset Turnover | 34.63x | 17.83x | 26.51x | 36.99x | 3.91x | 5.23x | 7.81x | 10.98x | 14.78x | 15.89x |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 4.49M |
| Intangible Assets | 1.55M | 1.64M | 2.12M | 3.82M | 3.7M | 4.09M | 5.66M | 8.81M | 12.24M | 23.34M |
| Long-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Assets | 5.55K | 5.55K | 0 | 917.48K | 0 | 1 | 0 | 4.3M | 0 | 6.31M |
| Total Assets | 13.87M▲ 0% | 20.4M▲ 47.1% | 36.18M▲ 77.3% | 53.55M▲ 48.0% | 67.83M▲ 26.7% | 84.05M▲ 23.9% | 108.24M▲ 28.8% | 146.6M▲ 35.4% | 179.03M▲ 22.1% | 209.51M▲ 0% |
| Asset Turnover | 0.75x | 0.75x | 0.65x | 0.65x | 0.36x | 0.35x | 0.35x | 0.32x | 0.33x | 0.38x |
| Asset Growth % | 35.15% | 47.08% | 77.32% | 48.01% | 26.68% | 23.91% | 28.78% | 35.43% | 22.12% | 72.52% |
| Total Current Liabilities | 11.22M | 15.56M | 27.29M | 34.25M | 50.58M | 67.39M | 88.64M | 119.18M | 146.11M | 152.12M |
| Accounts Payable | 765.6K | 1.15M | 1.33M | 1.52M | 2.16M | 5.77M | 8.09M | 26.52M | 0 | 39.44M |
| Days Payables Outstanding | 53.77 | 48.97 | 40.29 | 36.05 | 53.26 | 142.64 | 172.86 | 418.31 | - | 239.37 |
| Short-Term Debt | 124.17K | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 448.01K | 0 |
| Deferred Revenue (Current) | 10M | 14.42M | 25.96M | 0 | 0 | 0 | 0 | 0 | 0 | 104.29M |
| Other Current Liabilities | 254.9K | 14.42M | 25.96M | 32.72M | 48.1M | 61.28M | 80.19M | 92.28M | 145.66M | 112.09M |
| Current Ratio | 1.07x | 1.15x | 1.22x | 1.40x | 1.15x | 1.10x | 1.10x | 1.08x | 1.09x | 1.09x |
| Quick Ratio | 0.18x | 0.22x | 0.26x | 1.40x | 1.15x | 1.10x | 1.10x | 1.08x | 1.09x | 1.09x |
| Cash Conversion Cycle | 652.55 | 571.57 | 755.6 | - | - | - | - | - | - | -21.85 |
| Total Non-Current Liabilities | 27.89K | 0 | 0 | 1 | 4.01M | 3.67M | 3.31M | 2.93M | 2.48M | 11.64M |
| Long-Term Debt | 27.89K | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Capital Lease Obligations | 0 | 0 | 0 | 0 | 4.01M | 3.67M | 3.31M | 2.93M | 2.48M | 12.56M |
| Deferred Tax Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Liabilities | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 20.09M |
| Total Liabilities | 11.25M | 15.56M | 27.29M | 34.25M | 54.6M | 71.06M | 91.95M | 122.11M | 148.59M | 163.75M |
| Total Debt | 152.06K | 0 | 0 | 0 | 4.33M | 4.01M | 3.67M | 3.31M | 2.93M | 6.08M |
| Net Debt | -1.48M | -2.75M | -5.62M | -9.66M | -3.5M | -3.37M | -6.04M | -13.68M | -7.84M | -1.45M |
| Debt / Equity | 0.06x | - | - | - | 0.33x | 0.31x | 0.23x | 0.14x | 0.10x | 0.10x |
| Debt / EBITDA | 0.08x | - | - | - | - | - | 1.13x | 0.86x | 0.42x | 0.44x |
| Net Debt / EBITDA | -0.77x | -1.04x | -1.58x | -1.27x | - | - | -1.85x | -3.55x | -1.12x | -1.12x |
| Interest Coverage | 17.62x | 55.90x | - | - | - | - | - | - | - | - |
| Total Equity | 2.63M▲ 0% | 4.84M▲ 84.4% | 8.89M▲ 83.6% | 19.3M▲ 117.1% | 13.24M▼ 31.4% | 12.99M▼ 1.9% | 16.29M▲ 25.5% | 24.49M▲ 50.3% | 30.44M▲ 24.3% | 45.76M▲ 0% |
| Equity Growth % | 122.45% | 84.42% | 83.62% | 117.13% | -31.42% | -1.88% | 25.45% | 50.29% | 24.32% | 196.28% |
| Book Value per Share | 0.06 | 0.10 | 0.17 | 0.35 | 0.27 | 0.25 | 0.31 | 0.45 | 0.55 | 0.74 |
| Total Shareholders' Equity | 2.82M | 5.04M | 9.1M | 19.56M | 13.24M | 12.99M | 16.29M | 24.49M | 30.44M | 45.76M |
| Common Stock | 43.19K | 43.67K | 46.44K | 48.58K | 50.25K | 52.09K | 52.65K | 53.45K | 54.36K | 55.98K |
| Retained Earnings | -3.8M | -2.01M | 579.58K | 8.09M | -1.05M | -3.77M | -2.75M | 3.71M | 7.53M | 13.72M |
| Treasury Stock | -150K | -150K | -150K | -150K | -150K | -150K | -150K | -1.28M | 0 | -2.15M |
| Accumulated OCI | -706.16K | -859.74K | -1.09M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Minority Interest | -194.69K | -200.12K | -206.93K | -263.09K | 0 | 0 | 0 | 0 | 0 | 0 |
PAYS Cash Flow Statement
PaySign, Inc. (PAYS) cash flow — operating, investing & free cash flow history
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 1.27M | 7.15M | 16M | 9.95M | 13.78M | 15.23M | 25.32M | 27.62M | 22.95M | 22.95M |
| Operating CF Margin % | 12.16% | 46.95% | 68.29% | 28.7% | 57.11% | 51.68% | 66.57% | 58.43% | 39.3% | - |
| Operating CF Growth % | 276.06% | 464.58% | 123.67% | -37.79% | 38.44% | 10.54% | 66.26% | 9.1% | -16.92% | -160.91% |
| Net Income | 1.4M | 1.79M | 2.59M | 7.45M | -9.14M | -2.72M | 1.03M | 6.46M | 3.82M | 7.56M |
| Depreciation & Amortization | 572.32K | 876.19K | 1.09M | 1.48M | 2.12M | 2.5M | 2.91M | 4.03M | 5.99M | 7.81M |
| Stock-Based Compensation | 92.94K | 308.7K | 1.37M | 2.53M | 2.97M | 2.28M | 2.28M | 2.85M | 2.6M | 3.59M |
| Deferred Taxes | 0 | 0 | 0 | -909.98K | 917.48K | 0 | 0 | -4.3M | 298.78K | 885.47K |
| Other Non-Cash Items | -103.15K | -5.43K | -6.81K | -1.57K | 614.29K | 331.03K | 378.82K | 394.95K | 422.1K | 493.22K |
| Working Capital Changes | -696.19K | 4.18M | 10.96M | -604K | 16.29M | 12.84M | 18.72M | 18.19M | 9.81M | -1.67M |
| Change in Receivables | -93.53K | -55.25K | -171.78K | -554.63K | 237.08K | -3.76M | -1.71M | -11.69M | -16.44M | -15.76M |
| Change in Inventory | -1.81M | -557.05K | -596.9K | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Change in Payables | 415.51K | 379.49K | 182.41K | 196.11K | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash from Investing | -887.01K | -1.52M | -1.59M | -3.24M | -3.34M | -2.68M | -4.09M | -7.05M | -9.49M | -10.84M |
| Capital Expenditures | -887.01K | -1.52M | -1.59M | -3.24M | -1.38M | -328.57K | -105.19K | -262.56K | -434.9K | -735.2K |
| CapEx % of Revenue | 8.52% | 9.97% | 6.81% | 9.34% | 5.73% | 1.12% | 0.28% | 0.56% | 0.74% | - |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -2M |
| Investments | - | - | - | - | - | - | - | - | - | - |
| Other Investing | -777.14K | -812.12K | -1.34M | 0 | -1.96M | -2.35M | -3.99M | -6.79M | -9.05M | -8.1M |
| Cash from Financing | -137.26K | -102.06K | 100K | 430.92K | -72.86K | 192.14K | 0 | -1.12M | -466.25K | 150.32K |
| Debt Issued (Net) | -137.26K | -152.06K | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Equity Issued (Net) | 0 | 0 | 0 | 430.92K | -245.43K | 0 | 0 | -1.13M | -495.05K | -510.34K |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | 0 | 0 | 0 | 0 | -245.43K | 0 | 0 | -1.13M | -495.05K | -510.34K |
| Other Financing | 0 | 50K | 100K | 0 | 172.56K | 192.14K | 0 | 9.6K | 28.8K | 660.65K |
| Net Change in Cash | 242.45K▲ 0% | 5.53M▲ 2181.0% | 14.5M▲ 162.2% | 13.91M▼ 4.1% | 10.36M▼ 25.5% | 12.74M▲ 23.0% | 21.23M▲ 66.6% | 19.45M▼ 8.4% | 12.99M▼ 33.2% | 7.99M▲ 0% |
| Free Cash Flow | 379.71K▲ 0% | 5.63M▲ 1383.3% | 14.4M▲ 155.7% | 9.49M▼ 34.1% | 10.43M▲ 10.0% | 12.55M▲ 20.3% | 21.23M▲ 69.2% | 20.57M▼ 3.1% | 13.46M▼ 34.6% | 9.84M▲ 0% |
| FCF Margin % | 3.65% | 36.97% | 61.48% | 27.37% | 43.25% | 42.59% | 55.81% | 43.52% | 23.05% | 13.14% |
| FCF Growth % | 123.07% | 1383.32% | 155.68% | -34.12% | 9.95% | 20.3% | 69.15% | -3.08% | -34.58% | -57.12% |
| FCF per Share | 0.01 | 0.12 | 0.28 | 0.17 | 0.21 | 0.25 | 0.40 | 0.38 | 0.24 | 0.24 |
| FCF Conversion (FCF/Net Income) | 0.90x | 3.99x | 6.18x | 1.33x | -1.51x | -5.60x | 24.63x | 4.28x | 6.01x | 1.30x |
| Interest Paid | 0 | 46.66K | 0 | 0 | 0 | 4.59K | 221 | 0 | 0 | 0 |
| Taxes Paid | 0 | 16.2K | 7.5K | 0 | 0 | 4.07K | 35.95K | 207.94K | 136.63K | 419.36K |
PAYS Key Ratios
PaySign, Inc. (PAYS) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 73.63% | 47.98% | 37.7% | 52.88% | -56.19% | -20.75% | 7.02% | 31.68% | 13.89% | 19.18% |
| Return on Invested Capital (ROIC) | 183.62% | 81.89% | 69.11% | 70.88% | -64.54% | -21.23% | 2.6% | -1.19% | 4.59% | 4.59% |
| Gross Margin | 50.11% | 43.98% | 48.66% | 55.5% | 38.57% | 49.93% | 55.09% | 51.06% | 55.15% | 59.82% |
| Net Margin | 13.45% | 11.76% | 11.05% | 21.5% | -37.9% | -9.24% | 2.7% | 13.66% | 6.54% | 10.1% |
| Debt / Equity | 0.06x | - | - | - | 0.33x | 0.31x | 0.23x | 0.14x | 0.10x | 0.10x |
| Interest Coverage | 17.62x | 55.90x | - | - | - | - | - | - | - | - |
| FCF Conversion | 0.90x | 3.99x | 6.18x | 1.33x | -1.51x | -5.60x | 24.63x | 4.28x | 6.01x | 1.30x |
| Revenue Growth | 28.48% | 46.25% | 53.76% | 48% | -30.42% | 22.16% | 29.08% | 24.3% | 23.5% | 32.61% |
PAYS SEC Filings & Documents
PaySign, Inc. (PAYS) SEC filings — annual & quarterly reports (10-K, 10-Q)
PAYS Frequently Asked Questions
PaySign, Inc. (PAYS) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
PaySign, Inc. (PAYS) reported $74.9M in revenue for fiscal year 2024. This represents a 1649% increase from $4.3M in 2010.
PaySign, Inc. (PAYS) grew revenue by 23.5% over the past year. This is strong growth.
Yes, PaySign, Inc. (PAYS) is profitable, generating $7.6M in net income for fiscal year 2024 (6.5% net margin).
Dividend & Returns
PaySign, Inc. (PAYS) has a return on equity (ROE) of 13.9%. This is reasonable for most industries.
PaySign, Inc. (PAYS) generated $9.8M in free cash flow for fiscal year 2024. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.
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