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Paysafe Ltd

PSFE

$7.32 ▼ -0.19 (-2.59%) at close

7 Visible periods

31 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Weak

Bearish

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Analytical Summary

Paysafe Ltd faces fundamental challenges with weakness in Profit Margin (%). The fundamentals warrant careful consideration of downside risks.

Market Cap $425.1M

Dividend Yield —

Revenue Growth -0.2% ↘

Op. Margin 4.2% ↘

ROIC 7.0% ↘

FCF / Share $3.85 →

Trailing P/E —

Price / Book —

FCF Yield 52.6%

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 7, 2026.

7-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$1.70B

— -0.2% —

Net Income Profit after all expenses

$-182.51M

↓ -923.6% —

Operating Margin Operating profit as % of sales

4.2%

↓ -46.0% 40th

FCF / Share Free cash flow per share

$3.85

↓ -1.5% —

Long-Term Debt Long-term obligations

$2.62B

↑ +10.6% —

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Bullish Indicators

No bullish signals detected.

warning

Bearish Risks

Profit Margin (%)Profit Margin (%) is in the bottom quartile

Health Breakdown

Profitability ↓

Financial Health

Cash Quality ↑

Financial view

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📈 Is growth accelerating? 6 metrics

Metric	FY 2025 Dec 31, 2025 20-F ↗	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 20-F ↗	FY 2022 Dec 31, 2022 20-F ↗	FY 2021 Dec 31, 2021 20-F ↗	FY 2020 Dec 31, 2020 20-F ↗	FY 2019 Dec 31, 2019 20-F ↗
Revenue Growth YoY (%)	-0.2% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-104%)	6.5% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+30%)	7.0% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+40%)	0.6% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-88%)	4.2% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-15%)	0.6% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-88%)	—
EPS Growth YoY (%)	N/M	N/M	98.9% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-1572.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-922.2% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	-20.0% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—
Net Income Growth YoY (%)	N/M	N/M	98.9% Excellent ↑ Excellent Improving Year-over-year change in net income	-1578.8% Weak ↓ Weak Declining Year-over-year change in net income	12.4% Fair Fair Year-over-year change in net income	-15.0% Weak Weak Year-over-year change in net income	—
FCF Growth YoY (%)	-1.5% Weak ↓ Weak Declining Year-over-year change in free cash flow	8.5% Fair ↓ Fair Declining Year-over-year change in free cash flow	-76.3% Weak ↓ Weak Declining Year-over-year change in free cash flow	318.7% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	550.5% Excellent Excellent Year-over-year change in free cash flow	44.5% Excellent Excellent Year-over-year change in free cash flow	—
Revenue CAGR 3Y (%)	4.4% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	4.7% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	3.9% Caution Caution Compound annual revenue growth over 3 years	1.8% Weak Weak Compound annual revenue growth over 3 years	—	—	—
Revenue CAGR 5Y (%)	3.6% Caution Caution Compound annual revenue growth over 5 years	3.8% Caution Caution Compound annual revenue growth over 5 years	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 20-F ↗	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 20-F ↗	FY 2022 Dec 31, 2022 20-F ↗	FY 2021 Dec 31, 2021 20-F ↗	FY 2020 Dec 31, 2020 20-F ↗	FY 2019 Dec 31, 2019 20-F ↗
Operating Margin (%) (%)	4.2% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-65%)	7.8% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-35%)	9.9% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-17%)	-125.1% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-1143%)	-18.1% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-251%)	1.4% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-89%)	3.7% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-70%)
Effective Tax Rate (%) (%)	-153.3% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-58.0% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	198.4% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	2.7% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	43.5% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	31.8% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	13.0% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%
Profit Margin (%) (%)	-10.7% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-234%)	1.3% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-84%)	-1.3% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-116%)	-124.5% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-1656%)	-7.5% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-193%)	-8.9% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-211%)	-7.8% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-197%)
FCF Margin (%) (%)	13.1% Fair ↓ Fair Declining Free cash flow as a percentage of revenue Optimal: > 10%	14.0% Fair ↓ Fair Declining Free cash flow as a percentage of revenue Optimal: > 10%	13.8% Fair ↓ Fair Declining Free cash flow as a percentage of revenue Optimal: > 10%	61.5% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	14.7% Fair ↓ Fair Declining Free cash flow as a percentage of revenue Optimal: > 10%	28.3% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	19.7% Good Good Free cash flow as a percentage of revenue Optimal: > 10%
FCF / Net Income (x)	-1.23x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	10.73x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	-10.92x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	-0.49x Weak ↑ Weak Improving Free cash flow relative to reported net income Optimal: > 1x	-1.97x Weak ↑ Weak Improving Free cash flow relative to reported net income Optimal: > 1x	-3.19x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	-2.54x Weak Weak Free cash flow relative to reported net income Optimal: > 1x

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 20-F ↗	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 20-F ↗	FY 2022 Dec 31, 2022 20-F ↗	FY 2021 Dec 31, 2021 20-F ↗	FY 2020 Dec 31, 2020 20-F ↗	FY 2019 Dec 31, 2019 20-F ↗
Return on Invested Capital (%)	7.0% Caution ↑ Caution Improving Return earned on debt + equity capital invested Optimal: > 10%	8.9% Fair ↑ Fair Improving Return earned on debt + equity capital invested Optimal: > 10%	-6.2% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-52.0% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-2.9% Weak Weak Return earned on debt + equity capital invested Optimal: > 10%	0.3% Weak Weak Return earned on debt + equity capital invested Optimal: > 10%	—
Return on Capital (%) (%)	1.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	2.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	3.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-31.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-3.7% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.3% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	—	—	—	-216.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-1545%)	-4.3% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-129%)	-6.6% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-144%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 20-F ↗	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 20-F ↗	FY 2022 Dec 31, 2022 20-F ↗	FY 2021 Dec 31, 2021 20-F ↗	FY 2020 Dec 31, 2020 20-F ↗	FY 2019 Dec 31, 2019 20-F ↗
Debt to Equity (x)	—	—	—	3.09x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+341%)	1.08x Caution Caution Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+54%)	1.71x Weak Weak Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+144%)	—
Interest Coverage (x)	0.53x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	0.95x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	1.05x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-14.78x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-1.62x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	0.12x Weak Weak Operating income divided by interest expense Optimal: > 5x	0.31x Weak Weak Operating income divided by interest expense Optimal: > 5x
Net Debt (USD)	$2.38B	$2.16B	$2.31B	$2.39B	$2.46B	$2.89B	$-234.62M
Debt / EBITDA (x)	7.54x Weak ↑ Weak Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	5.82x Weak ↑ Weak Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	5.94x Weak ↑ Weak Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	-1.65x Excellent ↑ Excellent Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	-350.45x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	11.39x Weak Weak Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—

📊 What does each share earn? 6 metrics

Metric	FY 2025 Dec 31, 2025 20-F ↗	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 20-F ↗	FY 2022 Dec 31, 2022 20-F ↗	FY 2021 Dec 31, 2021 20-F ↗	FY 2020 Dec 31, 2020 20-F ↗	FY 2019 Dec 31, 2019 20-F ↗
Revenue per Share (USD)	$29.30	$28.00	$26.06	$24.72	$24.66	$1.97	$1.96
Basic EPS, GAAP (USD)	$-3.14	$0.36	$-0.33	$-30.78	$-1.84	$-0.18	$-0.15
Free Cash Flow per Share (USD)	$3.85	$3.91	$3.60	$15.19	$3.63	$0.56	$0.39
Book Value per Share (USD)	—	—	—	$14.14	$42.61	$15.35	—
Tangible Book Value per Share (USD)	—	—	—	$-39.99	$-37.85	$-24.65	—
Basic Weighted Avg Shares (shares)	58.07M	60.88M	61.43M	60.52M	60.31M	723.71M	723.71M

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 20-F ↗	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 20-F ↗	FY 2022 Dec 31, 2022 20-F ↗	FY 2021 Dec 31, 2021 20-F ↗	FY 2020 Dec 31, 2020 20-F ↗	FY 2019 Dec 31, 2019 20-F ↗
Working Capital (USD)	$336.33M	$231.06M	$193.82M	$196.67M	$684.17M	$375.62M	—
LT Debt (USD)	$2.62B	$2.36B	$2.50B	$2.64B	$2.76B	$3.26B	—
Total Equity (USD)	—	—	—	$859.64M	$2.57B	$1.92B	—

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 20-F ↗	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 20-F ↗	FY 2022 Dec 31, 2022 20-F ↗	FY 2021 Dec 31, 2021 20-F ↗	FY 2020 Dec 31, 2020 20-F ↗	FY 2019 Dec 31, 2019 20-F ↗
Sales/Revenue/Turnover (USD)	$1.70B	$1.70B	$1.60B	$1.50B	$1.49B	$1.43B	$1.42B
Depreciation Expense (USD)	$276.37M	$274.75M	$264.14M	$266.82M	$261.37M	$268.17M	$279.83M
Net Income, GAAP (USD)	$-182.51M	$22.16M	$-20.25M	$-1.86B	$-110.95M	$-126.72M	$-110.20M
Operating Cash Flow (USD)	$236.16M	$253.80M	$234.02M	$924.08M	$224.47M	$409.11M	$289.05M

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 7 years · 7 quarters

Paysafe Ltd

Analytical Summary

7-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

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