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PAYS stock logo

PAYS

PaySign, Inc.

$5.92
0.1
 (1.72%)
[ms_data_label text=’Delayed data’]
Exchange:  NASDAQ
Market Cap:  326.698M
Shares Outstanding:  49.272M
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Technology
Industry:  Software – Infrastructure
   
CEO:  Mark R. Newcomer
Full Time Employees:  173
Address: 
2615 Street Rose Parkway
Henderson
NV
89052
US
Website:  https://www.paysign.com
PaySign, 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 non–profits 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.

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Revenue Segmentation

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EPS

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Earnings Call

Full text

Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2025/05/08 — Q1 quarter 2025

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue47,274.16258,384.55282,028.176
Gross Profit24,136.16532,197.33340,398.156
EBITDA3,859.3237,016.49415,681.636
Operating Income-167.2551,021.5087,362.839
Net Income6,458.7273,815.9077,551.613

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets146,598.849179,028.197276,253.203
Total Liabilities122,111.468148,586.565227,763.032
Total Stockholders Equity24,487.38130,441.63248,490.171
Total Debt3,311.7772,928.07814,029.161
Cash and Cash Equivalents16,994.70510,766.98221,067.651

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow27,620.62422,947.12052,450.867
Capital Expenditure-7,048.678-9,488.702-1,209.048
Free Cash Flow20,571.94613,458.41851,241.819
Net Income6,458.7273,815.9077,551.613
Net Change in Cash19,453.66212,992.17342,641.525

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2027Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)122,108.409Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)125,896.295Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)123,655Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)10,464.978Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)10,789.609Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)10,597.525Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)18,043.680Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)18,774.375Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)18,409.028Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)55,624.521Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)57,350.031Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)56,329.045Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)0.310Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)0.310Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)0.300Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)3Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)3Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
  ?P/S
 (TTM)
: 
4.23
?Net Income
 (TTM)
: 
  ?P/E
 (TTM)
: 
45.88
?Enterprise Value
 (TTM)
: 
340.078M  ?EV/FCF
 (TTM)
: 
7.78
?Dividend Yield
 (TTM)
: 
0  ?Payout Ratio
 (TTM)
: 
0
?ROE
 (TTM)
: 
0.17  ?ROIC
 (TTM)
: 
0.09
?Net Debt
 (TTM)
: 
  ?Debt/Equity
 (TTM)
: 
0.29
?P/B
 (TTM)
: 
7.15  ?Current Ratio
 (TTM)
: 
1.11

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
32.89Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MARKETSnap estimates PAYS intrinsic value between $3.52 – $3.56 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.


Calculate PAYS Intrinsic Value

Common questions about PAYS valuation

Is PaySign, Inc. (PAYS) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for PaySign, Inc. (PAYS) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is PAYS a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether PAYS trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is PAYS’s P/E ratio?

You can see PAYS’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for PAYS?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is PAYS a good long-term investment?

Whether PAYS fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

PAYS

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

[ms_data_label text="Daily snapshot"]

1.72
MARKETSnap

Trading Metrics:

[ms_session_rows_unavailable]
Open: [ms_cell_or_dash table='trading_quote' column='open']   Previous Close: [ms_cell_or_dash table='trading_quote' column='previousClose']
Day Low: [ms_cell_or_dash table='trading_quote' column='dayLow']   Day High: [ms_cell_or_dash table='trading_quote' column='dayHigh']
Year Low: 1.8   Year High: 8.88
Price Avg 50: 3.94   Price Avg 200: 5.34
Volume: 996953   Average Volume: 803891

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See in Nexus

Relevant news

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15-04-2026 16:30
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Paysign, Inc. (PAYS) Q4 2025 Earnings Call Transcript
25-03-2026 05:04
Paysign, Inc. (PAYS) Q4 2025 Earnings Call Transcript
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20-03-2026 02:44
Paysign, Inc. (NASDAQ:PAYS) Given Average Recommendation of “Moderate Buy” by Brokerages
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