NasdaqCM:PAYS

Stock Analysis Report

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Executive Summary

PaySign, Inc. provides prepaid card products and processing services under the PaySign brand for corporate, consumer, and government applications. More Details


Snowflake Analysis

Flawless balance sheet with high growth potential.

Share Price & News

How has PaySign's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: PAYS is more volatile than 75% of US stocks over the past 3 months, typically moving +/- 12% a week.

Volatility Over Time: PAYS's weekly volatility (12%) has been stable over the past year, but is still higher than 75% of US stocks.


Market Performance


7 Day Return

-5.3%

PAYS

1.7%

US IT

0.6%

US Market


1 Year Return

-54.6%

PAYS

30.7%

US IT

22.7%

US Market

Return vs Industry: PAYS underperformed the US IT industry which returned 29.9% over the past year.

Return vs Market: PAYS underperformed the US Market which returned 21% over the past year.


Shareholder returns

PAYSIndustryMarket
7 Day-5.3%1.7%0.6%
30 Day0.4%16.9%13.1%
90 Day-25.3%1.9%4.5%
1 Year-54.6%-54.6%32.0%30.7%25.5%22.7%
3 Year582.9%582.9%103.7%95.7%49.0%39.1%
5 Year2,176.2%2,176.2%180.0%160.5%98.3%76.5%

Long-Term Price Volatility Vs. Market

How volatile is PaySign's share price compared to the market and industry in the last 5 years?


Simply Wall St News

Valuation

Is PaySign undervalued compared to its fair value and its price relative to the market?

11.6%

Undervalued compared to fair value


Share Price vs. Fair Value

Below Fair Value: PAYS ($4.78) is trading below our estimate of fair value ($5.41)

Significantly Below Fair Value: PAYS is trading below fair value, but not by a significant amount.


Price To Earnings Ratio

PE vs Industry: PAYS is unprofitable, so we can't compare its PE Ratio to the US IT industry average.

PE vs Market: PAYS is unprofitable, so we can't compare its PE Ratio to the US market.


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate PAYS's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: PAYS is overvalued based on its PB Ratio (14.2x) compared to the US IT industry average (4x).


Next Steps

Future Growth

How is PaySign forecast to perform in the next 1 to 3 years based on estimates from 5 analysts?

126.4%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: PAYS is forecast to become profitable over the next 3 years, which is considered faster growth than the savings rate (2.2%).

Earnings vs Market: PAYS is forecast to become profitable over the next 3 years, which is considered above average market growth.

High Growth Earnings: PAYS's is expected to become profitable in the next 3 years.

Revenue vs Market: PAYS's revenue (33.9% per year) is forecast to grow faster than the US market (10.3% per year).

High Growth Revenue: PAYS's revenue (33.9% per year) is forecast to grow faster than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: Insufficient data to determine if PAYS's Return on Equity is forecast to be high in 3 years time


Next Steps

Past Performance

How has PaySign performed over the past 5 years?

42.6%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: PAYS is currently unprofitable.

Growing Profit Margin: PAYS is currently unprofitable.


Past Earnings Growth Analysis

Earnings Trend: PAYS is unprofitable, but has reduced losses over the past 5 years at a rate of 42.6% per year.

Accelerating Growth: Unable to compare PAYS's earnings growth over the past year to its 5-year average as it is currently unprofitable

Earnings vs Industry: PAYS is unprofitable, making it difficult to compare its past year earnings growth to the IT industry (3.2%).


Return on Equity

High ROE: PAYS has a negative Return on Equity (-17.65%), as it is currently unprofitable.


Next Steps

Financial Health

How is PaySign's financial position?


Financial Position Analysis

Short Term Liabilities: PAYS's short term assets ($57.6M) exceed its short term liabilities ($50.3M).

Long Term Liabilities: PAYS's short term assets ($57.6M) exceed its long term liabilities ($4.1M).


Debt to Equity History and Analysis

Debt Level: PAYS is debt free.

Reducing Debt: PAYS has no debt compared to 5 years ago when its debt to equity ratio was 15.9%.

Debt Coverage: PAYS has no debt, therefore it does not need to be covered by operating cash flow.

Interest Coverage: PAYS has no debt, therefore coverage of interest payments is not a concern.


Balance Sheet


Next Steps

Dividend

What is PaySign current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

Notable Dividend: Unable to evaluate PAYS's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate PAYS's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if PAYS's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if PAYS's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of PAYS's dividend in 3 years as they are not forecast to pay a notable one for the US market.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

2.4yrs

Average management tenure


CEO

Mark Newcomer (55 yo)

14.67yrs

Tenure

US$1,031,969

Compensation

Mr. Mark R. Newcomer is a Co-Founder of PaySign, Inc., (formerly known as 3Pea International, Inc.) and has been its Chief Executive Officer, President and Director since March 2006. Mr. Newcomer has been ...


CEO Compensation Analysis

Compensation vs Market: Mark's total compensation ($USD1.03M) is about average for companies of similar size in the US market ($USD1.12M).

Compensation vs Earnings: Mark's compensation has increased whilst the company is unprofitable.


Leadership Team

NamePositionTenureCompensationOwnership
Mark Newcomer
Co-Founder14.67yrsUS$1.03m18.39%
$ 43.5m
Daniel Spence
Co-Founder14.67yrsUS$663.04k17.94%
$ 42.5m
Mark Attinger
CFO & Treasurer1.92yrsUS$647.09k0.21%
$ 507.1k
Joan Herman
COO & Executive Director2yrsUS$407.70k1.29%
$ 3.0m
James McCroy
Executive Vice President of Strategic Development/IRno datano datano data
Eric Trudeau
Chief Compliance Officer2.75yrsno datano data
Robert Strobo
General Counsel2.08yrsno data0.10%
$ 239.2k
Dennis DiVenuta
Executive Vice President of Strategy & Corporate Development2.67yrsno datano data
Alberto Negron
Executive Vice President of Channel Strategy & Sales Growth2.92yrsno datano data
Matthew Lanford
Chief Product Officer1.42yrsno datano data
Matthew Turner
VP & Head of Patient Affordability Solutions0.42yrno datano data
Burke Williams
Senior Vice President of Business Development0.42yrno datano data

2.4yrs

Average Tenure

55yo

Average Age

Experienced Management: PAYS's management team is considered experienced (2.4 years average tenure).


Board Members

NamePositionTenureCompensationOwnership
Mark Newcomer
Co-Founder14.67yrsUS$1.03m18.39%
$ 43.5m
Daniel Spence
Co-Founder14.67yrsUS$663.04k17.94%
$ 42.5m
Joan Herman
COO & Executive Director2yrsUS$407.70k1.29%
$ 3.0m
Quinn Williams
Non-Executive Independent Director2.58yrsUS$201.78k0.17%
$ 406.3k
Daniel Henry
Independent Chairman of the Board2.5yrsUS$827.14k0%
$ 0
Dennis Triplett
Non-Executive Independent Director2.5yrsUS$175.63k0.20%
$ 478.0k
Alexander Goldberg
Member of Advisory Board6.08yrsno datano data
Leonard Goodman
Member of Advisory Board6.08yrsno datano data
Bruce Mina
Non-Executive Independent Director2.67yrsUS$158.91k0.21%
$ 504.3k

2.6yrs

Average Tenure

64yo

Average Age

Experienced Board: PAYS's board of directors are not considered experienced ( 2.6 years average tenure), which suggests a new board.


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 4%.


Top Shareholders

Company Information

PaySign, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: PaySign, Inc.
  • Ticker: PAYS
  • Exchange: NasdaqCM
  • Founded:
  • Industry: Data Processing and Outsourced Services
  • Sector: Software
  • Market Cap: US$236.806m
  • Shares outstanding: 49.54m
  • Website: https://www.paysign.com

Number of Employees


Location

  • PaySign, Inc.
  • 1700 West Horizon Ridge Parkway
  • Suite 200
  • Henderson
  • Nevada
  • 89012
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
PAYSNasdaqCM (Nasdaq Capital Market)YesCommon SharesUSUSDMar 2006

Biography

PaySign, Inc. provides prepaid card products and processing services under the PaySign brand for corporate, consumer, and government applications. The company offers various services, including transaction...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/12/01 23:47
End of Day Share Price2020/12/01 00:00
Earnings2020/09/30
Annual Earnings2019/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.