# Paysign Inc. (PAYS) fundamentals

Data as of 2026-11-04. NASDAQ, United States. Sector: Industrials / Professional Services. Price $15.13, market value $854 million.

## Valuation
- **P/E (trailing): 56.0×** (5-yr avg 58.8×, 3-yr avg 35.4×). Paysign Inc. trades at 56.0× trailing earnings, close to its own five-year average of 58.8×. The Industrials median in the September 2026 study was 25.7×. Forward P/E is 24.6×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.29**. A PEG of 0.29 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 8.5×**. Each dollar of revenue is priced at 8.5×.
- **Price / book: 14.2×**. The shares trade at 14.2× book value; most of the value is in earnings power and intangibles rather than the balance sheet.
- **EV / EBITDA: 32.6×**. Enterprise value is 32.6× operating earnings before depreciation, the multiple that ignores how the company is financed; above 20× is demanding.
- **Free-cash-flow yield: 8.6%** (5-yr avg 17.0%). Free cash flow equals 8.6% of the market value, below its five-year average of 17.0%, so the shares are pricier on cash than usual. Above 5% is generally attractive.
- **Earnings yield: 1.8%**. The inverse of the P/E: 1.8% of the price is earned each year.

## Profitability
- **Gross margin: 61.0%**. Paysign Inc. keeps 61.0% of revenue after the direct cost of what it sells, the kind of margin that comes with software, brands or pricing power.
- **Operating margin: 17.0%**. 17.0% of revenue is left after running the business, a healthy level in most sectors.
- **Net margin: 9.2%**. 9.2% of each dollar of sales reaches the bottom line.
- **Return on equity: 15.6%**. 15.6% on shareholders' equity is solid.
- **Return on invested capital: 23.9%**. Return on all capital, debt included, is 23.9%: comfortably above what that capital costs.
- **Return on assets: 5.7%**. Each dollar of assets produces 5.7% of profit.

## Growth
- **Revenue growth (1 yr): 40.5%** (3-yr 29.2%/yr, 5-yr 27.7%/yr). Revenue grew 40.5% over the last year, against 27.7% a year compounded over five years: growth is accelerating.
- **EPS growth (1 yr): 85.7%** (3-yr 86.6%/yr). Earnings per share rose 85.7%, faster than revenue, so margins expanded or the share count shrank.
- **Free-cash-flow growth (3 yr): 26.7%/yr**. Free cash flow has compounded at 26.7% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Debt to equity: 0.17**. Debt is 0.17 times equity: a conservative balance sheet.
- **Current ratio: 1.11** (quick 1.11). Current assets cover the next year's liabilities 1.11 times.
- **Altman Z-score: 2.98**. A Z-score of 2.98 is in the grey zone; not distressed, not clearly safe.
- **Piotroski F-score: 6/9**. 6 of 9 checks pass: mixed.

## Dividends
- **Dividend: none**. Paysign Inc. does not currently pay a dividend.

## Price and momentum
- **Total return (1 yr): 178.5%** (YTD 179.6%, 3-mo 55.7%). The shares are up 178.5% over twelve months including dividends.
- **From 52-week high: -6.3%** (391.2% above the low). Trading 6% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 51**. An RSI of 51 is neutral.
- **Beta (1 yr): 0.98** (volatility 69%). Beta of 0.98 against the S&P 500: the shares move roughly with the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=PAYS · Page: https://foliofundamentals.com/stocks/pays

Not investment advice.