Paysafe Limited (PSFE) fundamental analysis — strengths, weaknesses & financial health based on data analysis
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
Paysafe Limited (PSFE) stock price & volume — 10-year historical chart
Paysafe Limited (PSFE) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Paysafe Limited (PSFE) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Mar 3, 2026 | $0.46vs $0.36+27.8% | $438Mvs $441M-0.6% |
| Q4 2025 | Nov 13, 2025 | $0.70vs $0.73-4.1% | $434Mvs $441M-1.6% |
| Q3 2025 | Aug 12, 2025 | $0.46vs $0.46+0.0% | $428Mvs $441M-2.8% |
| Q2 2025 | May 13, 2025 | $0.34vs $0.56-39.3% | $401Mvs $427M-6.0% |
Paysafe Limited (PSFE) competitors in Payments Processing and Fintech Services — business model, growth, and fundamentals comparison
Paysafe Limited (PSFE) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Paysafe Limited (PSFE) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|
| Sales/Revenue | 1.14B | 1.42B | 1.43B | 1.49B | 1.5B | 1.6B | 1.7B | 1.7B |
| Revenue Growth % | - | 24.33% | 0.59% | 4.24% | 0.61% | 7.02% | 6.48% | -0.2% |
| Cost of Goods Sold | 390.71M | 508.74M | 534.82M | 599.78M | 614.02M | 663.21M | 715.76M | 1.02B |
| COGS % of Revenue | 34.25% | 35.87% | 37.49% | 40.33% | 41.04% | 41.42% | 41.98% | 59.67% |
| Gross Profit | 749.95M▲ 0% | 909.4M▲ 21.3% | 891.67M▼ 2.0% | 887.24M▼ 0.5% | 882.11M▼ 0.6% | 937.93M▲ 6.3% | 989.07M▲ 5.5% | 686.08M▼ 30.6% |
| Gross Margin % | 65.75% | 64.13% | 62.51% | 59.67% | 58.96% | 58.58% | 58.02% | 40.33% |
| Gross Profit Growth % | - | 21.26% | -1.95% | -0.5% | -0.58% | 6.33% | 5.45% | -30.63% |
| Operating Expenses | 576.22M | 857.59M | 871.99M | 1.16B | 2.75B | 779.27M | 855.72M | 563.65M |
| OpEx % of Revenue | 50.52% | 60.47% | 61.13% | 77.77% | 184.08% | 48.67% | 50.19% | 33.13% |
| Selling, General & Admin | 341.96M | 443.06M | 0 | 0 | 0 | 0 | 0 | 563.65M |
| SG&A % of Revenue | 29.98% | 31.24% | - | - | - | - | - | 33.13% |
| Research & Development | 4.99M | 0 | 7.95M | 8.57M | 12.41M | 8.53M | 8.09M | 0 |
| R&D % of Revenue | 0.44% | - | 0.56% | 0.58% | 0.83% | 0.53% | 0.47% | - |
| Other Operating Expenses | 234.26M | 414.53M | 864.03M | 1.15B | 2.74B | 770.74M | 847.63M | 0 |
| Operating Income | 115.94M▲ 0% | 51.81M▼ 55.3% | 19.68M▼ 62.0% | -269.27M▼ 1468.3% | -1.87B▼ 595.2% | 158.66M▲ 108.5% | 133.35M▼ 15.9% | 122.44M▼ 8.2% |
| Operating Margin % | 10.16% | 3.65% | 1.38% | -18.11% | -125.12% | 9.91% | 7.82% | 7.2% |
| Operating Income Growth % | - | -55.31% | -62.02% | -1468.25% | -595.18% | 108.48% | -15.95% | -8.19% |
| EBITDA | 350.2M | 331.64M | 287.85M | -7.9M | -1.61B | 422.8M | 408.11M | 396.54M |
| EBITDA Margin % | 30.7% | 23.39% | 20.18% | -0.53% | -107.28% | 26.41% | 23.94% | 23.31% |
| EBITDA Growth % | - | -5.3% | -13.21% | -102.74% | -20217.94% | 126.34% | -3.47% | -2.83% |
| D&A (Non-Cash Add-back) | 234.26M | 279.83M | 268.17M | 261.37M | 266.82M | 264.14M | 274.75M | 274.11M |
| EBIT | 130.04M | 46.35M | 157.6M | 80.76M | 25.96M | 163.46M | 137.59M | 122.44M |
| Net Interest Income | -164.13M | -173.02M | -166.34M | -165.83M | -126.63M | -151.15M | -140.81M | -136.41M |
| Interest Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest Expense | 164.13M | 173.02M | 166.34M | 165.83M | 126.63M | 151.15M | 140.81M | 136.41M |
| Other Income/Expense | -150.03M | -178.47M | -205.59M | 73.83M | -42.85M | -138.07M | -119.33M | -194.5M |
| Pretax Income | -34.09M▲ 0% | -126.66M▼ 271.5% | -185.91M▼ 46.8% | -195.44M▼ 5.1% | -1.91B▼ 879.7% | 20.59M▲ 101.1% | 14.02M▼ 31.9% | -72.06M▼ 613.8% |
| Pretax Margin % | -2.99% | -8.93% | -13.03% | -13.14% | -127.98% | 1.29% | 0.82% | -4.24% |
| Income Tax | 5.62M | -16.52M | -59.2M | -85.11M | -52.5M | 40.84M | -8.14M | 110.45M |
| Effective Tax Rate % | -16.49% | 13.05% | 31.84% | 43.55% | 2.74% | 198.36% | -58.01% | -153.27% |
| Net Income | -39.71M▲ 0% | -110.2M▼ 177.5% | -126.72M▼ 15.0% | -110.95M▲ 12.4% | -1.86B▼ 1578.8% | -20.25M▲ 98.9% | 22.16M▲ 209.4% | -182.51M▼ 923.6% |
| Net Margin % | -3.48% | -7.77% | -8.88% | -7.46% | -124.5% | -1.26% | 1.3% | -10.73% |
| Net Income Growth % | - | -177.5% | -14.99% | 12.44% | -1578.76% | 98.91% | 209.43% | -923.59% |
| Net Income (Continuing) | -39.71M | -110.14M | -126.71M | -110.33M | -1.86B | -20.25M | 22.16M | -182.51M |
| Discontinued Operations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Minority Interest | 5.9M | 5.96M | 11.3M | 138M | 0 | 0 | 0 | 0 |
| EPS (Diluted) | -0.66▲ 0% | -1.83▼ 177.3% | -2.10▼ 14.8% | -1.83▲ 12.9% | -30.77▼ 1581.4% | -0.33▲ 98.9% | 0.36▲ 209.1% | -3.14▼ 972.2% |
| EPS Growth % | - | -177.27% | -14.75% | 12.86% | -1581.42% | 98.93% | 209.09% | -972.22% |
| EPS (Basic) | -0.66 | -1.83 | -2.10 | -1.83 | -30.77 | -0.33 | 0.36 | -3.14 |
| Diluted Shares Outstanding | 60.31M | 60.31M | 60.31M | 60.31M | 60.52M | 61.43M | 61.9M | 58.1M |
| Basic Shares Outstanding | 60.31M | 60.31M | 60.31M | 60.31M | 60.52M | 61.43M | 60.88M | 58.1M |
| Dividend Payout Ratio | - | - | - | - | - | - | - | - |
Paysafe Limited (PSFE) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|
| Total Current Assets | 1.7B | 1.89B | 2.2B | 2.34B | 2.5B | 1.91B | 1.68B | 1.75B |
| Cash & Short-Term Investments | 122.97M | 234.62M | 387.62M | 313.44M | 260.22M | 202.32M | 216.68M | 1.35B |
| Cash Only | 122.97M | 234.62M | 387.62M | 313.44M | 260.22M | 202.32M | 216.68M | 1.35B |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accounts Receivable | 138.18M | 120.38M | 373.43M | 306.97M | 307.1M | 333.31M | 296.76M | 290.58M |
| Days Sales Outstanding | 44.21 | 30.98 | 95.55 | 75.35 | 74.92 | 75.98 | 63.54 | 62.34 |
| Inventory | 0 | 0 | 0 | 0 | 1.87B | 0 | 0 | 0 |
| Days Inventory Outstanding | - | - | - | - | 1.11K | - | - | - |
| Other Current Assets | 1.44B | 1.47B | 1.44B | 1.66B | 1.93B | 1.37B | 1.16B | 597K |
| Total Non-Current Assets | 5.68B | 5.44B | 5.21B | 4.92B | 3.46B | 3.32B | 3.13B | 3.05B |
| Property, Plant & Equipment | 64.44M | 63.56M | 58.88M | 48.02M | 47.46M | 39.33M | 64.92M | 68.63M |
| Fixed Asset Turnover | 17.70x | 22.31x | 24.23x | 30.96x | 31.53x | 40.71x | 26.26x | 24.79x |
| Goodwill | 3.45B | 3.44B | 3.48B | 3.65B | 2B | 2.02B | 1.98B | 2.08B |
| Intangible Assets | 2.01B | 1.8B | 1.52B | 1.2B | 1.29B | 1.16B | 981.32M | 874.05M |
| Long-Term Investments | 0 | 0 | 125.11M | 0 | 17.32M | 10.43M | 5.5M | 3.31M |
| Other Non-Current Assets | 149.13M | 133.78M | 508K | 1.86M | 2.05M | 6.84M | 12.81M | 16.92M |
| Total Assets | 7.38B▲ 0% | 7.33B▼ 0.8% | 7.41B▲ 1.1% | 7.27B▼ 1.9% | 5.96B▼ 18.0% | 5.23B▼ 12.2% | 4.81B▼ 8.0% | 4.8B▼ 0.1% |
| Asset Turnover | 0.15x | 0.19x | 0.19x | 0.20x | 0.25x | 0.31x | 0.35x | 0.35x |
| Asset Growth % | - | -0.77% | 1.13% | -1.92% | -18.03% | -12.24% | -8% | -0.12% |
| Total Current Liabilities | 1.54B | 1.61B | 1.82B | 1.66B | 2.3B | 1.71B | 1.45B | 1.41B |
| Accounts Payable | 32.86M | 237.67M | 27.16M | 18.6M | 45.97M | 49.67M | 57.64M | 209.43M |
| Days Payables Outstanding | 30.69 | 170.52 | 18.54 | 11.32 | 27.33 | 27.34 | 29.39 | 75.29 |
| Short-Term Debt | 23.61M | 24.79M | 24.37M | 10.19M | 10.19M | 10.19M | 10.19M | 19.21M |
| Deferred Revenue (Current) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Liabilities | 1.49B | 1.34B | 1.73B | 1.57B | 2.19B | 1.61B | 25.35M | 1.18B |
| Current Ratio | 1.10x | 1.18x | 1.21x | 1.41x | 1.09x | 1.11x | 1.16x | 1.24x |
| Quick Ratio | 1.10x | 1.18x | 1.21x | 1.41x | 0.27x | 1.11x | 1.16x | 1.24x |
| Cash Conversion Cycle | - | - | - | - | 1.16K | - | - | - |
| Total Non-Current Liabilities | 3.67B | 3.65B | 3.65B | 2.9B | 2.8B | 2.63B | 2.48B | 2.73B |
| Long-Term Debt | 3.45B | 3.45B | 3.25B | 2.75B | 2.63B | 2.49B | 2.35B | 2.61B |
| Capital Lease Obligations | 0 | 29.64M | 34.54M | 28.01M | 29.91M | 16.96M | 35.57M | 33.81M |
| Deferred Tax Liabilities | 0 | 0 | 122.52M | 64.89M | 118.79M | 111.7M | 91.57M | 92.47M |
| Other Non-Current Liabilities | 216.49M | 170.4M | 247.49M | 59.38M | 17.01M | 11.41M | 3.99M | 3.4M |
| Total Liabilities | 5.21B | 5.26B | 5.48B | 4.56B | 5.1B | 4.34B | 3.93B | 4.15B |
| Total Debt | 3.48B | 3.52B | 3.31B | 2.8B | 2.68B | 2.53B | 2.41B | 2.66B |
| Net Debt | 3.35B | 3.28B | 2.92B | 2.48B | 2.42B | 2.32B | 2.19B | 1.31B |
| Debt / Equity | 1.60x | 1.70x | 1.71x | 1.03x | 3.12x | 2.86x | 2.74x | 4.06x |
| Debt / EBITDA | 9.93x | 10.61x | 11.48x | - | - | 5.98x | 5.90x | 6.70x |
| Net Debt / EBITDA | 9.58x | 9.90x | 10.14x | - | - | 5.50x | 5.37x | 3.31x |
| Interest Coverage | 0.71x | 0.30x | 0.12x | -1.62x | -14.78x | 1.05x | 0.95x | 0.90x |
| Total Equity | 2.17B▲ 0% | 2.06B▼ 4.9% | 1.93B▼ 6.3% | 2.71B▲ 40.1% | 859.64M▼ 68.3% | 883.31M▲ 2.8% | 879.26M▼ 0.5% | 655.04M▼ 25.5% |
| Equity Growth % | - | -4.9% | -6.33% | 40.08% | -68.25% | 2.75% | -0.46% | -25.5% |
| Book Value per Share | 35.98 | 34.22 | 32.05 | 44.90 | 14.20 | 14.38 | 14.21 | 11.27 |
| Total Shareholders' Equity | 2.16B | 2.06B | 1.92B | 2.57B | 859.64M | 883.31M | 879.26M | 655.04M |
| Common Stock | 1.25M | 1.25M | 1.25M | 723K | 730K | 741K | 750K | 0 |
| Retained Earnings | -21.41M | -131.61M | -265.83M | -376.79M | -2.24B | -2.26B | -2.24B | 0 |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | -42.59M | 0 |
| Accumulated OCI | -4.46M | -602K | -2.42M | -3.83M | -38.08M | -23.75M | -40.49M | 0 |
| Minority Interest | 5.9M | 5.96M | 11.3M | 138M | 0 | 0 | 0 | 0 |
Paysafe Limited (PSFE) cash flow — operating, investing & free cash flow history
| Line item | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|
| Cash from Operations | -27.29M | 289.05M | 409.11M | 261.46M | 917.3M | 234.02M | 253.8M | 236.16M |
| Operating CF Margin % | -2.39% | 20.38% | 28.68% | 17.58% | 61.31% | 14.62% | 14.89% | 13.88% |
| Operating CF Growth % | - | 1159.17% | 41.54% | -36.09% | 250.83% | -74.49% | 8.45% | -6.95% |
| Net Income | -39.71M | -110.14M | -126.71M | -110.33M | -1.86B | -20.25M | 22.16M | -182.51M |
| Depreciation & Amortization | 234.26M | 279.83M | 268.17M | 261.37M | 266.82M | 264.14M | 274.75M | 274.11M |
| Stock-Based Compensation | 0 | 0 | 0 | 101.77M | 0 | 28.87M | 38.53M | 0 |
| Deferred Taxes | -27.33M | -27.42M | -61.14M | -96.99M | -82.88M | 19.69M | -33.19M | 74.4M |
| Other Non-Cash Items | 10.06M | 152.78M | 211.06M | 194.9M | 1.92B | 9.02M | 38.81M | 88.93M |
| Working Capital Changes | -204.56M | -6.01M | 117.74M | -89.25M | 674.16M | -67.45M | -87.27M | -18.78M |
| Change in Receivables | -47.72M | -75.04M | -8.85M | -42.59M | -46.2M | -18.81M | -43.24M | -12.76M |
| Change in Inventory | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Change in Payables | -43.44M | -250K | -27.77M | -25.73M | 0 | -32.97M | -26.65M | 0 |
| Cash from Investing | -5.05B | -160.56M | -51.22M | -411.27M | -575.59M | -135.24M | -108.38M | -140.41M |
| Capital Expenditures | -92.9M | -9.66M | -5.39M | -5.62M | -93.61M | -12.85M | -15.94M | -106.77M |
| CapEx % of Revenue | 8.14% | 0.68% | 0.38% | 0.38% | 6.26% | 0.8% | 0.93% | 6.28% |
| Acquisitions | -4.22B | -454K | 35.7M | -263.52M | -424.72M | 0 | 0 | 1.95M |
| Investments | - | - | - | - | - | - | - | - |
| Other Investing | -733.6M | -150.45M | -81.53M | -142.13M | -826K | -132.6M | -101.36M | -14.38M |
| Cash from Financing | 3.27B | 72.68M | -75.47M | 446.29M | -73.76M | -771.03M | -280.8M | -163.38M |
| Debt Issued (Net) | 1.12B | 85.38M | -65.87M | -471.09M | -48.76M | -163.55M | -56.64M | 104.75M |
| Equity Issued (Net) | 1000K | 0 | 0 | 0 | -1000K | -1000K | -1000K | -1000K |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | 0 | 0 | 0 | 0 | -6.94M | -8.47M | -50.48M | -101.41M |
| Other Financing | -40.44M | -12.7M | -9.6M | 917.38M | -18.07M | -599.01M | -173.68M | -166.72M |
| Net Change in Cash | -1.83B▲ 0% | 185.41M▲ 110.2% | 381.49M▲ 105.8% | 207.87M▼ 45.5% | -53.22M▼ 125.6% | -628.93M▼ 1081.7% | -199.69M▲ 68.2% | 1.13B▲ 665.2% |
| Free Cash Flow | -120.19M▲ 0% | 128.94M▲ 207.3% | 322.19M▲ 149.9% | 113.71M▼ 64.7% | 912.75M▲ 702.7% | 101.12M▼ 88.9% | 133.31M▲ 31.8% | 223.58M▲ 67.7% |
| FCF Margin % | -10.54% | 9.09% | 22.59% | 7.65% | 61.01% | 6.32% | 7.82% | 13.14% |
| FCF Growth % | - | 207.28% | 149.87% | -64.71% | 702.68% | -88.92% | 31.83% | 67.71% |
| FCF per Share | -1.99 | 2.14 | 5.34 | 1.89 | 15.08 | 1.65 | 2.15 | 3.85 |
| FCF Conversion (FCF/Net Income) | 0.69x | -2.62x | -3.23x | -2.36x | -0.49x | -11.56x | 11.45x | -1.29x |
| Interest Paid | 0 | 167.46M | 154.37M | 91.55M | 0 | 153.79M | 150.93M | 0 |
| Taxes Paid | 0 | 24.5M | 793K | 36.27M | 0 | 43.77M | 30.84M | 0 |
Paysafe Limited (PSFE) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | -1.83% | -5.21% | -6.34% | -4.78% | -104.43% | -2.32% | 2.51% | -23.79% |
| Return on Invested Capital (ROIC) | 1.57% | 0.71% | 0.29% | -4.02% | -33.15% | 3.67% | 3.19% | 3.65% |
| Gross Margin | 65.75% | 64.13% | 62.51% | 59.67% | 58.96% | 58.58% | 58.02% | 40.33% |
| Net Margin | -3.48% | -7.77% | -8.88% | -7.46% | -124.5% | -1.26% | 1.3% | -10.73% |
| Debt / Equity | 1.60x | 1.70x | 1.71x | 1.03x | 3.12x | 2.86x | 2.74x | 4.06x |
| Interest Coverage | 0.71x | 0.30x | 0.12x | -1.62x | -14.78x | 1.05x | 0.95x | 0.90x |
| FCF Conversion | 0.69x | -2.62x | -3.23x | -2.36x | -0.49x | -11.56x | 11.45x | -1.29x |
| Revenue Growth | - | 24.33% | 0.59% | 4.24% | 0.61% | 7.02% | 6.48% | -0.2% |
Paysafe Limited (PSFE) stock FAQ — growth, dividends, profitability & financials explained
Paysafe Limited (PSFE) reported $1.70B in revenue for fiscal year 2025. This represents a 49% increase from $1.14B in 2018.
Paysafe Limited (PSFE) saw revenue decline by 0.2% over the past year.
Paysafe Limited (PSFE) reported a net loss of $182.5M for fiscal year 2025.
Paysafe Limited (PSFE) has a return on equity (ROE) of -23.8%. Negative ROE indicates the company is unprofitable.
Paysafe Limited (PSFE) generated $136.2M in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.
Paysafe Limited (PSFE) financial analysis — history, returns, DCA and operating performance tools
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates