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Paysign, Inc. Stock Price

NasdaqCM:PAYS Community·US$763.4m Market Cap
  • 4 Narratives written by author
  • 0 Comments on narratives written by author
  • 49 Fair Values set on narratives written by author

PAYS Share Price Performance

US$13.80
8.62 (166.41%)
US$13.10
Fair Value
US$13.80
8.62 (166.41%)
5.3% overvalued intrinsic discount
US$13.10
Fair Value
Price US$13.80
AnalystConsensusTarget US$13.10
J_Tyrader US$43.01
AnalystHighTarget US$12.75

PAYS Community Narratives

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Fair Value US$13.1 5.3% overvalued intrinsic discount

Digital Payment Solutions Will Expand Healthcare Access Further

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Fair Value
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Fair Value US$43.01 67.9% undervalued intrinsic discount

5/8/26 — Paysign: trading 79% below a 9.8%-discounted fair value, with the cash flow to defend it

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·
Fair Value US$12.75 8.2% overvalued intrinsic discount

Digital Payments And Healthcare Trends Will Drive Expansion

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3users have followed this narrative
US$43.01
67.9% undervalued intrinsic discount
Fair Value
================================================================================ INTRINSIC VALUE (DCF) CALCULATION BREAKDOWN — NASDAQ:PAYS ================================================================================ Target Fair Value: USD 43.01 Current Stock Price: USD 9.17 Market Assessment: 78.7% Undervalued / +369.1% Upside Potential -------------------------------------------------------------------------------- 1. MARKET METRICS RECONCILIATION -------------------------------------------------------------------------------- * Undervaluation Formula: (Fair Value - Current Price) / Fair Value (43.01 - 9.17) / 43.01 = 0.7868 -> 78.7% * Upside Potential Formula: (Fair Value - Current Price) / Current Price (43.01 - 9.17) / 9.17 = 3.6906 -> +369.1% -------------------------------------------------------------------------------- 2. DISCOUNT RATE / COST OF EQUITY (CAPM) -------------------------------------------------------------------------------- * Formula: Risk-Free Rate + (Beta * Equity Risk Premium) * Inputs: Risk-Free Rate = 4.25% Beta = 1.10 ERP = 5.00% * Calculation: 4.25% + (1.10 * 5.00%) = 4.25% + 5.50% = 9.75% (Rounded to 9.8%) -------------------------------------------------------------------------------- 3. 10-YEAR CASH FLOW FORECAST ARCHITECTURE -------------------------------------------------------------------------------- * Base Year Free Cash Flow (FCF0): USD 70.02M (USD 1.2524 per share) * Shares Outstanding: 55.91m (Market Cap 512.66M / Price 9.17) * FCF Margin: 76.5% * Growth Rate Fading Schedule: - Year 1: +25.00% FCF USD 87.52M - Years 2-10: Linear reduction from +25.00% down to +2.50% - Year 10: +2.50% FCF USD 248.91M - Year 11+: +2.50% (Terminal Perpetual Growth Rate) -------------------------------------------------------------------------------- 4. MATHEMATICAL STEPS TO INTRINSIC VALUE -------------------------------------------------------------------------------- * Step A: Present Value of Discrete Cash Flows (Years 1 to 10) PV_Cash_Flows = Sum [ FCF_t / (1 + 0.0975)^t ] for t = 1 to 10 PV_Cash_Flows = USD 1.02B * Step B: Terminal Value (Gordon Growth Model at Year 10) TV_10 = [ FCF_10 * (1 + 0.0250) ] / (0.0975 - 0.0250) TV_10 = [ 248.91M * 1.0250 ] / 0.0725 = USD 3.52B * Step C: Discount the Terminal Value to Present Day PV_TV = 3.52B / (1 + 0.0975)^10 = 3.52B / 2.5354 PV_TV = USD 1.39B * Step D: Equity Value and Fair Value per Share Equity Value = 1.02B + 1.39B = USD 2.40B Fair Value = 2.40B / 55.91m = USD 43.01 -------------------------------------------------------------------------------- 5. FUTURE P/E MULTIPLE BLENDED BENCHMARK -------------------------------------------------------------------------------- * Formula: Sum of (Multiple * Re-normalized Weight) * Inputs: Forward Multiple: 39.9x @ 45% Weight Peer Median (n=13): 13.8x @ 35% Weight Current Multiple: 53.6x @ 20% Weight * Calculation: (39.9 * 0.45) + (13.8 * 0.35) + (53.6 * 0.20) = 17.941 + 4.817 + 10.719 = 33.477x (Rounded to 33.5x) -------------------------------------------------------------------------------- 6. SENSITIVITY OF THE FAIR VALUE -------------------------------------------------------------------------------- * Growth +22.0% -> 38.38 | +25.0% -> 43.01 | +28.0% -> 43.01 * Discount 8.75% -> 50.72 | 9.75% -> 43.01 | 10.75% -> 37.20 ================================================================================
US$12.75
8.2% overvalued intrinsic discount
Revenue
21.8% p.a.
Profit Margin
23.27%
Future PE
24.5x
Price in 2029
US$15.57
US$7
97.1% overvalued intrinsic discount
Revenue
24.63% p.a.
Profit Margin
11.68%
Future PE
34x
Price in 2028
US$8.51

Trending Discussion

No trending discussion available.

Updated Narratives

PAYS logo

5/8/26 — Paysign: trading 79% below a 9.8%-discounted fair value, with the cash flow to defend it

Fair Value: US$43.01 67.9% undervalued intrinsic discount
1 users have set this as their fair value
0 users have commented on this narrative
0 users have liked this narrative
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PAYS: Higher Guidance And Pharma Program Expansion Will Shape Balanced Future Outlook

Fair Value: US$13.1 5.3% overvalued intrinsic discount
19 users have set this as their fair value
0 users have commented on this narrative
0 users have liked this narrative
PAYS logo

PAYS: 2026 Earnings Guidance And Margin Outlook Will Support Repricing

Fair Value: US$12.75 8.2% overvalued intrinsic discount
3 users have set this as their fair value
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Snowflake Analysis

Outstanding track record with flawless balance sheet.

1 Risk
2 Rewards

Paysign, Inc. Key Details

US$100.6m

Revenue

US$39.3m

Cost of Revenue

US$61.4m

Gross Profit

US$45.6m

Other Expenses

US$15.8m

Earnings

Last Reported Earnings
Jun 30, 2026
Next Reporting Earnings
n/a
0.28
61.00%
15.67%
0%
View Full Analysis

About PAYS

Founded
2001
Employees
226
CEO
Mark Newcomer
WebsiteView website
www.paysign.com

Paysign, Inc. provides prepaid card programs, patient affordability offerings, digital banking, life science software technology solutions, and integrated payment processing services for businesses, consumers, and government institutions in the United States. The company offers solutions for corporate rewards, prepaid gift cards, general-purpose reloadable debit cards, employee incentives, consumer rebates, donor compensation, clinical trials, healthcare reimbursement payments and pharmaceutical payment assistance, and demand deposit accounts accessible with a debit card and software solutions. It also operates a customer service center; and offers a communication suite, including mobile app, two-way SMS, text alerts, and cardholder web portal. It markets its prepaid card solutions under the Paysign brand name. The company serves companies and municipalities that require payment solutions for rewards, rebates, payment assistance, and other payments to their customers, employees, agents, and others. Paysign, Inc. was founded in 2001 and is headquartered in Henderson, Nevada.

Recent PAYS News & Updates

Narrative Update Aug 19

PAYS: Higher Guidance And Pharma Program Expansion Will Shape Balanced Future Outlook

Analysts have raised their implied fair value for Paysign to $13.10 from $10.45, reflecting recent price target increases to $12, $13 and $15 after the company reported a Q2 that came in ahead of expectations and led to higher annual guidance. Analyst Commentary Bullish analysts on Paysign have reacted positively to the recent Q2 report and guidance, with several research desks lifting their price targets in quick succession.

Recent updates

No updates