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Paysign, Inc.

PAYS

$14.31 ▼ -0.98 (-6.41%) at close

16 Visible periods

32 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

Paysign, Inc. shows strong fundamentals with top-quartile Return on Common Equity (%) and Debt to Equity. The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $778.8M

Dividend Yield —

Revenue Growth 40.5% ↗

Op. Margin 9.0% ↗

ROIC 10.1% ↗

FCF / Share $0.94 ↗

Trailing P/E 102.2x

Price / Book 16.3x

FCF Yield 6.6%

Debt / Equity 0.13

info Valuation on last close. End-of-day price, Nov 5, 2026.

16-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$82.03M

↑ +40.5% —

Net Income Profit after all expenses

$7.55M

↑ +97.9% —

Operating Margin Operating profit as % of sales

9.0%

↑ +413.0% 54th

FCF / Share Free cash flow per share

$0.94

↑ +122.5% —

Long-Term Debt Long-term obligations

$6.14M

— —

trending_up

Bullish Indicators

Debt to EquityDebt to Equity is in the top quartile (lower is better)
Return on Common Equity (%)Return on Common Equity (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↑

Returns

Financial Health

Cash Quality

Financial view

Statement lens

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗
Revenue Growth YoY (%)	40.5% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+710%)	23.5% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+370%)	24.3% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+386%)	29.1% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+482%)	22.2% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+343%)	-30.4% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-708%)	48.0% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+860%)	53.8% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+975%)	46.2% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+825%)	28.5% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+470%)	-21.2% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-525%)	63.2% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1164%)	-5.9% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-217%)	103.0% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1961%)	-24.1% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-582%)	—
EPS Growth YoY (%)	100.0% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	-41.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	500.0% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	N/M	73.7% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	N/M	166.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	50.0% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	0.0% Caution Caution Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	250.0% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	-60.0% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—	—
Net Income Growth YoY (%)	97.9% Excellent ↓ Excellent Declining Year-over-year change in net income	-40.9% Weak ↓ Weak Declining Year-over-year change in net income	528.4% Excellent Excellent Year-over-year change in net income	N/M	70.2% Excellent ↓ Excellent Declining Year-over-year change in net income	N/M	188.0% Excellent ↑ Excellent Improving Year-over-year change in net income	44.5% Excellent Excellent Year-over-year change in net income	27.9% Excellent Excellent Year-over-year change in net income	N/M	N/M	326.8% Excellent → Excellent Stable Year-over-year change in net income	-66.3% Weak Weak Year-over-year change in net income	743.9% Excellent Excellent Year-over-year change in net income	N/M	—
FCF Growth YoY (%)	122.5% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	-18.8% Weak ↓ Weak Declining Year-over-year change in free cash flow	7.6% Fair ↓ Fair Declining Year-over-year change in free cash flow	65.7% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	16.2% Good ↓ Good Declining Year-over-year change in free cash flow	-26.6% Weak ↓ Weak Declining Year-over-year change in free cash flow	-1.0% Weak ↓ Weak Declining Year-over-year change in free cash flow	133.0% Excellent Excellent Year-over-year change in free cash flow	55.5% Excellent Excellent Year-over-year change in free cash flow	—	—	—	—	—	200.1% Excellent Excellent Year-over-year change in free cash flow	—
Revenue CAGR 3Y (%)	29.2% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	25.6% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	25.1% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	3.1% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	7.9% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	16.6% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	49.3% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	42.4% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	14.0% Good ↓ Good Declining Compound annual revenue growth over 3 years	18.2% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	6.6% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	46.1% Excellent Excellent Compound annual revenue growth over 3 years	13.2% Good Good Compound annual revenue growth over 3 years	—	—	—
Revenue CAGR 5Y (%)	27.7% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	11.0% Good ↓ Good Declining Compound annual revenue growth over 5 years	15.1% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	20.1% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	23.1% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	24.4% Excellent → Excellent Stable Compound annual revenue growth over 5 years	27.5% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	30.0% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	17.9% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	25.8% Excellent Excellent Compound annual revenue growth over 5 years	13.3% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—
EPS CAGR 3Y (%)	91.3% Excellent Excellent Compound annual EPS growth over 3 years	—	—	-50.0% Weak Weak Compound annual EPS growth over 3 years	—	—	58.7% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	—	-17.0% Weak Weak Compound annual EPS growth over 3 years	26.0% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗
Operating Margin (%) (%)	9.0% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-25%)	1.7% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-85%)	-0.4% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-103%)	0.9% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-92%)	-9.3% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-177%)	-34.6% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-388%)	17.6% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+47%)	10.6% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-12%)	11.6% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	13.0% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+9%)	-0.1% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-101%)	26.7% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+123%)	10.6% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-12%)	8.6% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-29%)	8.5% Caution Caution Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-30%)	1.9% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-84%)
Effective Tax Rate (%) (%)	24.7% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	7.8% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-173.2% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	9.5% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	-0.4% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	9.2% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+15%)	6.5% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-18%)	13.7% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+71%)	2.7% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-66%)	-9.2% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-215%)	-37.9% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-574%)	21.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+169%)	11.0% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+38%)	11.8% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+47%)	13.4% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+68%)	-29.7% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-472%)	25.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+217%)	9.7% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+21%)	27.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+239%)	6.5% Caution Caution Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-18%)	-0.2% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-102%)
FCF Margin (%) (%)	62.5% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	38.6% Excellent ↓ Excellent Declining Free cash flow as a percentage of revenue Optimal: > 10%	57.9% Excellent → Excellent Stable Free cash flow as a percentage of revenue Optimal: > 10%	66.3% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	50.6% Excellent ↓ Excellent Declining Free cash flow as a percentage of revenue Optimal: > 10%	51.4% Excellent → Excellent Stable Free cash flow as a percentage of revenue Optimal: > 10%	46.9% Excellent ↓ Excellent Declining Free cash flow as a percentage of revenue Optimal: > 10%	67.2% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	42.3% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	39.3% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	—	—	—	—	5.7% Caution Caution Free cash flow as a percentage of revenue Optimal: > 10%	1.4% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%
FCF / Net Income (x)	6.79x Excellent ↓ Excellent Declining Free cash flow relative to reported net income Optimal: > 1x	5.90x Excellent ↓ Excellent Declining Free cash flow relative to reported net income Optimal: > 1x	4.24x Excellent ↓ Excellent Declining Free cash flow relative to reported net income Optimal: > 1x	24.53x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	-5.48x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	-1.36x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	2.18x Excellent ↓ Excellent Declining Free cash flow relative to reported net income Optimal: > 1x	6.08x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	3.60x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	2.92x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	—	—	—	—	0.87x Caution Caution Free cash flow relative to reported net income Optimal: > 1x	-7.40x Weak Weak Free cash flow relative to reported net income Optimal: > 1x

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗
Return on Invested Capital (%)	10.1% Good ↑ Good Improving Return earned on debt + equity capital invested Optimal: > 10%	3.1% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-1.9% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	1.9% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-21.2% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-49.8% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	24.6% Excellent ↓ Excellent Declining Return earned on debt + equity capital invested Optimal: > 10%	21.5% Excellent → Excellent Stable Return earned on debt + equity capital invested Optimal: > 10%	27.7% Excellent ↓ Excellent Declining Return earned on debt + equity capital invested Optimal: > 10%	36.8% Excellent ↓ Excellent Declining Return earned on debt + equity capital invested Optimal: > 10%	-0.6% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	79.6% Excellent ↓ Excellent Declining Return earned on debt + equity capital invested Optimal: > 10%	900.2% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	-81.2% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-7.4% Weak Weak Return earned on debt + equity capital invested Optimal: > 10%	-2.0% Weak Weak Return earned on debt + equity capital invested Optimal: > 10%
Return on Capital (%) (%)	2.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-3.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-12.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	11.4% Good ↑ Good Improving Operating profit relative to total assets Optimal: > 10%	6.8% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	8.7% Fair ↓ Fair Declining Operating profit relative to total assets Optimal: > 10%	9.8% Fair → Fair Stable Operating profit relative to total assets Optimal: > 10%	-0.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	21.2% Excellent ↑ Excellent Improving Operating profit relative to total assets Optimal: > 10%	7.3% Fair ↑ Fair Improving Operating profit relative to total assets Optimal: > 10%	7.7% Fair ↑ Fair Improving Operating profit relative to total assets Optimal: > 10%	3.9% Weak Weak Operating profit relative to total assets Optimal: > 10%	1.3% Weak Weak Operating profit relative to total assets Optimal: > 10%
Return on Common Equity (%) (%)	15.6% Good → Good Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	12.5% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-16%)	26.4% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+76%)	6.3% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-58%)	-21.0% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-240%)	-69.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-560%)	38.1% Excellent → Excellent Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+154%)	28.5% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+90%)	35.5% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+137%)	48.4% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+223%)	-189.6% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-1364%)	95.6% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+537%)	—	—	-7.3% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-148%)	0.3% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-98%)

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗
Debt to Equity (x)	0.13x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-82%)	0.00x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	—	—	—	—	—	—	0.00x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	0.01x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-99%)	0.00x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	—	—	—	—	—
Interest Coverage (x)	—	—	—	1558.08x Excellent Excellent Operating income divided by interest expense Optimal: > 5x	-597.22x Weak Weak Operating income divided by interest expense Optimal: > 5x	—	—	—	55.90x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	17.62x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	-0.19x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	19.44x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	11.34x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	9.25x Good ↑ Good Improving Operating income divided by interest expense Optimal: > 5x	4.38x Fair Fair Operating income divided by interest expense Optimal: > 5x	1.23x Weak Weak Operating income divided by interest expense Optimal: > 5x
Net Debt (USD)	$6.14M	$0.00	—	—	—	$-7.83M	—	—	$0.00	$27.89K	$0.00	—	—	—	—	—
Debt / EBITDA (x)	0.39x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	0.00x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—	—	—	—	—	—	0.00x Excellent ↓ Excellent Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	0.01x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	0.00x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—	—	—	—	—

📊 What does each share earn? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗
Revenue per Share (USD)	$1.51	$1.10	$0.90	$0.73	$0.58	$0.49	$0.73	$0.51	$0.35	$0.24	$0.20	$0.27	$0.16	$0.18	$0.09	$0.13
Basic EPS, GAAP (USD)	$0.14	$0.07	$0.12	$0.02	$-0.05	$-0.19	$0.16	$0.06	$0.04	$0.04	$-0.06	$0.07	$0.02	$0.05	—	$0.00
Free Cash Flow per Share (USD)	$0.94	$0.42	$0.52	$0.48	$0.29	$0.25	$0.34	$0.35	$0.15	$0.10	—	—	—	—	$0.01	$0.00
Book Value per Share (USD)	$0.88	$0.57	$0.46	$0.31	$0.25	$0.27	$0.41	$0.20	$0.12	$0.07	$0.03	$0.07	$0.00	$-0.01	$-0.08	$-0.09
Tangible Book Value per Share (USD)	$0.39	$0.34	$0.30	$0.20	$0.17	$0.19	$0.33	$0.15	$0.08	$0.03	$0.00	$0.05	$-0.01	$-0.02	$-0.09	$-0.09
Basic Weighted Avg Shares (shares)	54.43M	53.21M	52.49M	52.05M	50.98M	49.27M	47.44M	45.48M	43.40M	42.88M	39.64M	38.81M	38.93M	36.53M	35.25M	34.69M

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗
Working Capital (USD)	$23.71M	$12.73M	$10.00M	$9.08M	$6.94M	$7.38M	$13.63M	$5.89M	$2.34M	$868.18K	$-20.42K	$1.80M	$-514.30K	$-949.42K	$-3.17M	$-3.24M
LT Debt (USD)	$6.14M	$0.00	—	—	—	—	—	—	$0.00	$27.89K	$0.00	—	—	—	—	—
Total Equity (USD)	$48.49M	$30.44M	$24.49M	$16.29M	$12.99M	$13.24M	$19.56M	$9.10M	$5.04M	$2.89M	$1.27M	$2.73M	$58.78K	$-559.40K	$-2.97M	$-3.18M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗
Sales/Revenue/Turnover (USD)	$82.03M	$58.38M	$47.27M	$38.03M	$29.46M	$24.12M	$34.67M	$23.42M	$15.23M	$10.42M	$8.11M	$10.29M	$6.31M	$6.70M	$3.30M	$4.35M
Depreciation Expense (USD)	$8.32M	$5.99M	$4.03M	$2.91M	$2.50M	$2.12M	$1.48M	$1.09M	$876.19K	$572.32K	$362.71K	$171.59K	$58.01K	$59.25K	$43.51K	$109.11K
Net Income, GAAP (USD)	$7.55M	$3.82M	$6.46M	$1.03M	$-2.72M	$-9.14M	$7.45M	$2.59M	$1.79M	$1.40M	$-2.41M	$2.61M	$611.68K	$1.82M	$215.29K	$-8.29K
Operating Cash Flow (USD)	$52.45M	$22.95M	$27.62M	$25.32M	$15.23M	$13.78M	$16.71M	$16.00M	$7.15M	$4.21M	—	—	—	—	$225.92K	$64.33K

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bar_chart Data from SEC EDGAR XBRL filings

Synced 4 days ago 16 years · 65 quarters

Paysign, Inc.

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