# Paysafe Limited (PSFE) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Technology / IT Services. Price $6.71, market value $350 million.

## Valuation
- **P/E (trailing): n/a** (negative earnings). Paysafe Limited reported negative earnings over the last twelve months, so the P/E is not meaningful; use price-to-sales, EV/EBITDA and free-cash-flow yield instead.
- **Price / sales: 0.2×**. Each dollar of revenue is priced at 0.2×, a low multiple typical of thin-margin businesses or out-of-favour stocks.
- **Price / book: 0.6×**. The shares trade below book value, which can signal a bargain or a balance sheet the market doubts.
- **EV / EBITDA: 8.9×**. Enterprise value is 8.9× operating earnings before depreciation, the multiple that ignores how the company is financed.
- **Free-cash-flow yield: 30.4%** (5-yr avg 27.0%). Free cash flow equals 30.4% of the market value, in line with its five-year average of 27.0%. Above 5% is generally attractive.

## Profitability
- **Gross margin: 56.1%**. Paysafe Limited keeps 56.1% of revenue after the direct cost of what it sells.
- **Operating margin: 5.7%**. 5.7% of revenue is left after running the business.
- **Net margin: -10.7%**. The company reported a net loss over the last twelve months.
- **Return on equity: -27.9%**. Return on equity is negative because earnings are negative.
- **Return on invested capital: 3.3%**. Return on all capital, debt included, is 3.3%: close to or below the cost of capital, so growth may not create value.
- **Return on assets: -4.3%**. Each dollar of assets produces -4.3% of profit.

## Growth
- **Revenue growth (1 yr): -0.2%** (3-yr 4.4%/yr, 5-yr 3.6%/yr). Revenue fell 0.2% over the last year, against 3.6% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): -972.2%**. Earnings per share fell 972.2%, slower than revenue, so margins compressed.
- **Free-cash-flow growth (3 yr): -1.3%/yr**. Free cash flow has compounded at -1.3% a year over three years.

## Financial health
- **Debt to equity: 3.99**. Debt is 3.99 times equity, a leveraged balance sheet that needs steady cash flow to service.
- **Net debt / EBITDA: 7.7×**. It would take 7.7 years of operating earnings to repay net borrowings, above the 3× level most lenders treat as comfortable.
- **Interest coverage: 0.7×**. Operating profit covers interest only 0.7×: fragile.
- **Altman Z-score: 0.65**. A Z-score of 0.65 is in the distress zone, a signal to examine the balance sheet closely.
- **Piotroski F-score: 3/9**. 3 of 9 checks pass: weak or deteriorating financials.

## Dividends
- **Dividend: none**. Paysafe Limited does not currently pay a dividend, but it returned 23.0% of its market value through buybacks over the last year.

## Analyst view
- **Analyst consensus: hold** (4 analysts). 4 analysts cover Paysafe Limited; the consensus is hold, with an average price target of $8.50 (+27% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): -50.1%** (YTD -17.1%, 3-mo -2.8%). The shares are down 50.1% over twelve months including dividends.
- **From 52-week high: -54.1%** (12.8% above the low). Trading 54% below its 52-week high, deep in a drawdown.
- **200-day average: below**. The price sits below its 200-day moving average, the usual definition of a downtrend.
- **RSI (14-day): 45**. An RSI of 45 is neutral.
- **Beta (1 yr): 2.10** (volatility 68%). Beta of 2.10 against the S&P 500: the shares move much more than the market.

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

Not investment advice.