PaySign, Inc. (PAYS) Financial Ratios
16 years of historical data (2010–2025) · Technology · Software - Infrastructure
EV/EBITDA
↓
25.92
↓-12% vs avg
5yr avg: 29.49
30Y Low0.0·High71.7
P/FCF
↓
8.01
+3% vs avg
5yr avg: 7.75
30Y Low3.9·High132.5
P/B Ratio
↑
9.03
↑+38% vs avg
5yr avg: 6.54
30Y Low3.6·High63.4
ROE
↑
19.1%
↓+88% vs avg
5yr avg: 10.2%
30Y Low-122%·High181%
Debt/EBITDA
↓
0.90
+9% vs avg
5yr avg: 0.83
30Y Low0.0·High1.1
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
PAYS Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
PaySign, Inc. trades at 56.5x earnings, 6% below its 5-year average of 60.0x, sitting at the 75th percentile of its historical range. Compared to the Technology sector median P/E of 28.3x, the stock trades at a premium of 99%. On a free-cash-flow basis, the stock trades at 8.0x P/FCF, roughly in line with the 5-year average of 7.8x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $410M | $307M | $168M | $152M | $137M | $82M | $229M | $554M | $183M | $35M | $15M |
| Enterprise Value | $403M | $300M | $160M | $138M | $131M | $78M | $225M | $544M | $177M | $32M | $13M |
| P/E Ratio → | 56.46 | 39.62 | 44.02 | 23.33 | 132.99 | — | — | 72.50 | 70.68 | 18.13 | 11.13 |
| P/S Ratio | 5.00 | 3.74 | 2.88 | 3.21 | 3.59 | 2.77 | 9.48 | 15.97 | 7.81 | 2.29 | 1.41 |
| P/B Ratio | 9.03 | 6.34 | 5.51 | 6.19 | 8.38 | 6.28 | 17.27 | 28.69 | 20.59 | 7.19 | 5.58 |
| P/FCF | 8.01 | 5.99 | 12.47 | 7.37 | 6.43 | 6.50 | 21.92 | 58.36 | 12.71 | 6.18 | 38.59 |
| P/OCF | 7.82 | 5.86 | 7.32 | 5.49 | 5.39 | 5.36 | 16.60 | 55.64 | 11.44 | 4.87 | 11.57 |
P/E links to full P/E history page with 30-year chart
PAYS EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
PaySign, Inc.'s enterprise value stands at 25.9x EBITDA, 12% below its 5-year average of 29.5x. The Technology sector median is 16.6x, placing the stock at a 56% premium on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 3.66 | 2.74 | 2.92 | 3.43 | 2.65 | 9.33 | 15.69 | 7.57 | 2.11 | 1.26 |
| EV / EBITDA | 25.92 | 19.29 | 22.81 | 35.75 | 40.12 | — | — | 71.73 | 49.80 | 12.13 | 6.82 |
| EV / EBIT | 55.68 | 41.44 | 156.67 | — | — | — | — | 83.15 | 68.72 | 18.15 | 9.58 |
| EV / FCF | — | 5.86 | 11.89 | 6.71 | 6.15 | 6.23 | 21.58 | 57.35 | 12.32 | 5.70 | 34.69 |
PAYS Profitability
Margins and return-on-capital ratios measuring operating efficiency
PaySign, Inc. earns an operating margin of 8.8%. Operating margins have expanded from -0.4% to 8.8% over the past 3 years, signaling improving operational efficiency. ROE of 19.1% indicates solid capital efficiency. ROIC of 17.0% represents solid returns on invested capital.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 49.2% | 49.2% | 55.1% | 51.1% | 55.1% | 49.9% | 38.6% | 55.5% | 48.7% | 44.0% | 50.1% |
| Operating Margin | 8.8% | 8.8% | 1.7% | -0.4% | 0.9% | -9.3% | -34.6% | 17.6% | 10.6% | 11.6% | 13.0% |
| Net Profit Margin | 9.2% | 9.2% | 6.5% | 13.7% | 2.7% | -9.2% | -37.9% | 21.5% | 11.0% | 11.8% | 13.4% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 19.1% | 19.1% | 13.9% | 31.7% | 7.0% | -20.8% | -56.2% | 52.9% | 37.7% | 48.0% | 73.6% |
| ROA | 3.3% | 3.3% | 2.3% | 5.1% | 1.1% | -3.6% | -15.1% | 16.6% | 9.1% | 10.5% | 11.6% |
| ROIC | 17.0% | 17.0% | 4.6% | -1.2% | 2.6% | -21.2% | -64.5% | 70.9% | 69.1% | 81.9% | 183.6% |
| ROCE | 15.6% | 15.6% | 3.4% | -0.7% | 1.9% | -16.2% | -45.6% | 43.3% | 36.0% | 47.2% | 65.1% |
PAYS Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
PaySign, Inc. carries a Debt/EBITDA ratio of 0.9x, which is very conservative (69% below the sector average of 2.9x). The company holds a net cash position — cash of $21M exceeds total debt of $14M, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.29 | 0.29 | 0.10 | 0.14 | 0.23 | 0.31 | 0.33 | — | — | — | 0.06 |
| Debt / EBITDA | 0.90 | 0.90 | 0.42 | 0.86 | 1.13 | — | — | — | — | — | 0.08 |
| Net Debt / Equity | — | -0.15 | -0.26 | -0.56 | -0.37 | -0.26 | -0.26 | -0.50 | -0.63 | -0.57 | -0.56 |
| Net Debt / EBITDA | -0.45 | -0.45 | -1.12 | -3.55 | -1.85 | — | — | -1.27 | -1.58 | -1.04 | -0.77 |
| Debt / FCF | — | -0.14 | -0.58 | -0.67 | -0.28 | -0.27 | -0.34 | -1.02 | -0.39 | -0.49 | -3.90 |
| Interest Coverage | — | — | — | — | — | — | — | — | — | 55.90 | 17.83 |
Net cash position: cash ($21M) exceeds total debt ($14M)
PAYS Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
A current ratio of 1.11x means PaySign, Inc. can comfortably meet its short-term obligations, though there is limited excess liquidity.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 1.11 | 1.11 | 1.09 | 1.08 | 1.10 | 1.10 | 1.15 | 1.40 | 1.22 | 1.15 | 1.07 |
| Quick Ratio | 1.11 | 1.11 | 1.09 | 1.08 | 1.10 | 1.10 | 1.15 | 1.40 | 0.26 | 0.22 | 0.18 |
| Cash Ratio | 0.10 | 0.10 | 0.07 | 0.14 | 0.11 | 0.11 | 0.15 | 0.28 | 0.21 | 0.18 | 0.15 |
| Asset Turnover | — | 0.30 | 0.33 | 0.32 | 0.35 | 0.35 | 0.36 | 0.65 | 0.65 | 0.75 | 0.75 |
| Inventory Turnover | — | — | — | — | — | — | — | — | 0.46 | 0.59 | 0.52 |
| Days Sales Outstanding | — | 325.35 | 214.09 | 125.25 | 44.92 | 42.04 | 7.75 | 9.39 | 5.26 | 3.97 | 3.86 |
PAYS Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
PaySign, Inc. returns 0.1% to shareholders annually primarily through share buybacks. The earnings yield of 1.8% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | — | — | — | — | — | — | — | — | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 1.8% | 2.5% | 2.3% | 4.3% | 0.8% | — | — | 1.4% | 1.4% | 5.5% | 9.0% |
| FCF Yield | 12.5% | 16.7% | 8.0% | 13.6% | 15.5% | 15.4% | 4.6% | 1.7% | 7.9% | 16.2% | 2.6% |
| Buyback Yield | 0.1% | 0.1% | 0.3% | 0.7% | 0.0% | 0.0% | 0.1% | 0.0% | 0.0% | 0.0% | 0.0% |
| Total Shareholder Yield | 0.1% | 0.1% | 0.3% | 0.7% | 0.0% | 0.0% | 0.1% | 0.0% | 0.0% | 0.0% | 0.0% |
| Shares Outstanding | — | $60M | $56M | $54M | $53M | $51M | $49M | $55M | $52M | $48M | $44M |
Peer Comparison
Compare PAYS with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 PAYSYou | $410M | 56.5 | 25.9 | 8.0 | 49.2% | 8.8% | 19.1% | 17.0% | 0.9 |
 USIO | $49M | -19.2 | — | 45.8 | 23.1% | -2.8% | -13.6% | -12.1% | — |
 PRTH | $582M | 10.4 | 7.6 | 7.8 | 21.4% | 14.8% | — | 13.4% | 5.1 |
 EVTC | $2B | 11.5 | 7.7 | 11.5 | 49.7% | 20.0% | 23.0% | 10.2% | 3.7 |
 GDOT | $732M | -7.2 | -4.4 | 11.1 | 24.5% | 2.7% | -11.2% | 4.4% | 0.5 |
 ACLX | $7B | -28.3 | — | — | 70.0% | -1135.6% | -53.4% | -46.2% | — |
 RPAY | $280M | -1.1 | 6.7 | 3.1 | 75.0% | -3.9% | -40.9% | -1.0% | 4.9 |
 FLYW | $2B | 140.3 | 40.5 | 18.6 | 61.4% | 1.8% | 1.6% | 2.1% | — |
 IIIV | $440M | 35.5 | 11.9 | 117.2 | 55.7% | 1.9% | 3.5% | 0.6% | 0.2 |
 V | $627B | 32.0 | 25.0 | 29.0 | 80.4% | 60.0% | 52.1% | 29.2% | 1.0 |
 MA | $429B | 29.3 | 21.3 | 25.3 | 83.4% | 59.2% | 209.9% | 56.5% | 0.9 |
| Technology Median | — | 28.3 | 16.6 | 18.8 | 48.8% | 0.2% | 1.6% | 2.7% | 2.9 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 16 years · Updated daily
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PAYS — Frequently Asked Questions
Quick answers to the most common questions about buying PAYS stock.
What is PaySign, Inc.'s P/E ratio?
PaySign, Inc.'s current P/E ratio is 56.5x. The historical average is 37.9x. This places it at the 75th percentile of its historical range.
What is PaySign, Inc.'s EV/EBITDA?
PaySign, Inc.'s current EV/EBITDA is 25.9x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 22.2x.
What is PaySign, Inc.'s ROE?
PaySign, Inc.'s return on equity (ROE) is 19.1%. The historical average is 22.2%.
Is PAYS stock overvalued?
Based on historical data, PaySign, Inc. is trading at a P/E of 56.5x. This is at the 75th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What are PaySign, Inc.'s profit margins?
PaySign, Inc. has 49.2% gross margin and 8.8% operating margin.
How much debt does PaySign, Inc. have?
PaySign, Inc.'s Debt/EBITDA ratio is 0.9x, indicating low leverage. A ratio below 2x is generally considered financially healthy.