Paysign (PAYS) Stock Overview
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. More details
| Snowflake Score | |
|---|---|
| Valuation | 0/6 |
| Future Growth | 4/6 |
| Past Performance | 6/6 |
| Financial Health | 6/6 |
| Dividends | 0/6 |
PAYS Community Fair Values
Create NarrativeSee what 44 others think this stock is worth. Follow their fair value or set your own to get alerts.
Analyst Price Targets
Top Community Narratives
Paysign
69.8% undervalued intrinsic discount
5/8/26 — Paysign: trading 79% below a 9.8%-discounted fair value, with the cash flow to defend it
View narrativeJ_
Published 5 Aug
Paysign, Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$13.01 |
| 52 Week High | US$14.43 |
| 52 Week Low | US$3.08 |
| Beta | 0.80 |
| 1 Month Change | -1.21% |
| 3 Month Change | 86.66% |
| 1 Year Change | 135.26% |
| 3 Year Change | 513.68% |
| 5 Year Change | 350.17% |
| Change since IPO | 2,791.11% |
Recent News & Updates
Narrative Update • Sep 03
PAYS: Raised 2026 Guidance And Q2 Execution Will Support Repricing
Analysts have lifted their Paysign price target to $15.00 from $12.75, citing better than expected Q2 results, an annual guidance raise, and updated estimates that reflect what some describe as another step change in the company’s fundamentals. Analyst Commentary Recent research commentary around Paysign points to a cluster of optimistic revisions following the latest Q2 report and guidance update.Seeking Alpha • Aug 27
Paysign: The Bull Case Is No Longer About Prepaid Cards
Summary Paysign is transforming from a prepaid card processor to a higher-margin healthcare payments and program management platform. Q2 pharma revenue surged 89%, outpacing plasma, with 148 active affordability programs and gross margins rising to 63.3%. Plasma remains a stabilizing, cash-generating base, while pharma drives growth and strategic expansion into programmable healthcare capital flows. Read the full article on Seeking Alpha
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
Narrative Update • Sep 03
PAYS: Raised 2026 Guidance And Q2 Execution Will Support Repricing
Analysts have lifted their Paysign price target to $15.00 from $12.75, citing better than expected Q2 results, an annual guidance raise, and updated estimates that reflect what some describe as another step change in the company’s fundamentals. Analyst Commentary Recent research commentary around Paysign points to a cluster of optimistic revisions following the latest Q2 report and guidance update.Seeking Alpha • Aug 27
Paysign: The Bull Case Is No Longer About Prepaid Cards
Summary Paysign is transforming from a prepaid card processor to a higher-margin healthcare payments and program management platform. Q2 pharma revenue surged 89%, outpacing plasma, with 148 active affordability programs and gross margins rising to 63.3%. Plasma remains a stabilizing, cash-generating base, while pharma drives growth and strategic expansion into programmable healthcare capital flows. Read the full article on Seeking AlphaNarrative 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.
New Narrative • Aug 05
5/8/26 — Paysign: trading 79% below a 9.8%-discounted fair value, with the cash flow to defend it
Paysign trades below the value implied by discounting its own free cash flow. On a two-stage model running 10 years of +25.0% growth fading to a 2.5% terminal rate, discounted at 9.8%, the shares are worth USD 43.01 against a market price of USD 9.17 — a 79% discount, or +369% to fair value.Narrative Update • Aug 05
PAYS: Share Repurchase And New Pharma Programs Will Support Future Upside
Analysts raised their price target on Paysign to $11, up from a previous range of $8 to $9, citing the updated fair value estimate of $10.45 and the addition of new pharma programs as key factors supporting the change. What’s in the News for Paysign Paysign announced a share repurchase program that authorizes the company to buy back up to US$5 million of its outstanding common stock.Narrative Update • Jun 24
PAYS: 2026 Earnings Guidance And Margin Outlook Will Support Repricing
Analysts have maintained their $12.75 price target on Paysign, citing updated assumptions for discount rate, revenue growth, profit margin and future P/E, which together support keeping the current valuation view unchanged. What’s in the News for Paysign Paysign issued earnings guidance for the second quarter of 2026, with expected revenue in a range of US$26.2 million to US$26.7 million.Narrative Update • Jun 04
PAYS: Higher 2026 Margin Guidance And P/E Framework Will Support Repricing
Analysts have increased their price target on Paysign by $1 to $12.75, reflecting updated views on its growth, margins, and P/E assumptions. What's in the News Paysign issued earnings guidance for the first quarter of 2026, expecting revenue of US$27.0 million to US$27.5 million, with 137 active patient affordability programs and 589 plasma centers projected at quarter end.Narrative Update • May 20
PAYS: Higher Margin Guidance And Premium P/E Framework Will Drive Repricing
Analysts have nudged their fair value estimate for Paysign up from $12.00 to $12.75, citing updated assumptions around growth, margins, and future P/E that fed into the latest price target increase highlighted in recent Street research. Analyst Commentary Recent Street research highlights a more constructive tone around Paysign, with bullish analysts pointing to the refreshed fair value estimate and updated assumptions as key supports for their views.Narrative Update • Apr 30
PAYS: Higher Margin Outlook Will Support Repricing On Updated Profitability Assumptions
Analysts have raised their price target on Paysign by $1 to $12, citing updated assumptions around growth, profitability, discount rate and future P/E as the main drivers of this change. Analyst Commentary Bullish analysts are highlighting the recent price target move to US$12 as a sign of growing confidence in Paysign's outlook, with updated assumptions around growth, profitability, discount rate and future P/E at the core of their thesis.Narrative Update • Apr 12
PAYS: Higher Margin Outlook And Raised P/E Assumption Will Support Repricing
Analysts lifted their Paysign price target by $1 to reflect slightly higher modeled revenue growth, modestly stronger profit margins, and an adjusted future P/E assumption, all under broadly consistent fair value and discount rate inputs. Analyst Commentary Bullish analysts framing the recent price target move highlight that the updated P/E assumption and slightly higher modeled revenue and margins support a higher fair value range for Paysign, while keeping discount rate inputs broadly consistent.Narrative Update • Mar 28
PAYS: Higher Profit Margin Outlook Will Support More Constructive Share Repricing
The analyst price target for Paysign has increased from $9.50 to $12.00, with analysts citing updated assumptions for fair value, discount rate, revenue growth, profit margin and future P/E as key drivers of the change. Analyst Commentary Recent research points to a more constructive view on Paysign, with bullish analysts updating their models to reflect what they see as improved fair value assumptions and a more supportive outlook for key valuation inputs such as discount rate, revenue growth, profit margin and future P/E.Analysis Article • Feb 05
The Price Is Right For Paysign, Inc. (NASDAQ:PAYS) Even After Diving 27%
Paysign, Inc. ( NASDAQ:PAYS ) shareholders that were waiting for something to happen have been dealt a blow with a 27...Analysis Article • Nov 16
Paysign, Inc. Just Beat EPS By 100%: Here's What Analysts Think Will Happen Next
Paysign, Inc. ( NASDAQ:PAYS ) just released its quarterly report and things are looking bullish. The company beat...Analysis Article • Aug 09
Paysign, Inc. Earnings Missed Analyst Estimates: Here's What Analysts Are Forecasting Now
NasdaqCM:PAYS 1 Year Share Price vs Fair Value Explore Paysign's Fair Values from the Community and select yours One of...Narrative Update • Aug 07
Digital Payment Solutions Will Expand Healthcare Access Further
Analysts maintain a positive outlook on Paysign due to ongoing growth in its Patient Affordability segment, confidence in its pharmaceutical pipeline, and scalable model, resulting in no change to the consensus price target, which remains at $9.10. Analyst Commentary Bullish analysts highlight a strong outlook for Paysign's Patient Affordability segment, especially within the pharmaceutical industry.Analysis Article • May 06
Paysign, Inc.'s (NASDAQ:PAYS) 28% Price Boost Is Out Of Tune With Earnings
Those holding Paysign, Inc. ( NASDAQ:PAYS ) shares would be relieved that the share price has rebounded 28% in the last...Analysis Article • Mar 04
Paysign, Inc.'s (NASDAQ:PAYS) Share Price Not Quite Adding Up
With a median price-to-earnings (or "P/E") ratio of close to 18x in the United States, you could be forgiven for...Analysis Article • Dec 27
Here's Why Paysign (NASDAQ:PAYS) Has Caught The Eye Of Investors
It's common for many investors, especially those who are inexperienced, to buy shares in companies with a good story...Seeking Alpha • Nov 20
Paysign Is A Leader In Fintech Healthcare Payments With Durable Profitable Growth
Summary Paysign is a promising microcap payment processing company with a projected 42% annualized return, potentially reaching $19/share by 2030 from $3.30/share today. The company excels in two primary sectors: plasma payment processing and pharma patient affordability, both offering significant growth and high gross margins. PAYS's plasma business boasts a 40% market share with steady 10-15% annual growth, while the pharma segment is expected to surpass plasma with rapid expansion. Risks include increased competition, potential loss of key customers, and limited financial resources, but catalysts like market share gains and acquisition potential bolster the investment thesis. Read the full article on Seeking Alpha
New Narrative • Sep 26
Rapid Growth In Patient Affordability Market Fuels Optimism Despite Looming Margin Pressures
The expansion into the patient affordability segment and significant client growth, like AstraZeneca, indicates a promising area for revenue and earnings increases.Analysis Article • Sep 07
Do Paysign's (NASDAQ:PAYS) Earnings Warrant Your Attention?
The excitement of investing in a company that can reverse its fortunes is a big draw for some speculators, so even...Analysis Article • Aug 02
Paysign, Inc. (NASDAQ:PAYS) Second-Quarter Results: Here's What Analysts Are Forecasting For This Year
Paysign, Inc. ( NASDAQ:PAYS ) shareholders are probably feeling a little disappointed, since its shares fell 7.1% to...Seeking Alpha • Jun 30
Paysign: Expect Rapid Growth In Its Pharma Business
Summary Shares have risen sharply this year, reflecting solid business performance. Its pharma segment is experiencing exceptional growth and has a long runway for continued expansion. My valuation model indicates that shares have limited upside. Read the full article on Seeking AlphaAnalysis Article • Apr 26
Paysign, Inc. (NASDAQ:PAYS) Stocks Shoot Up 30% But Its P/S Still Looks Reasonable
Paysign, Inc. ( NASDAQ:PAYS ) shares have continued their recent momentum with a 30% gain in the last month alone. The...Analysis Article • Mar 29
Here's Why We Think PaySign (NASDAQ:PAYS) Is Well Worth Watching
It's common for many investors, especially those who are inexperienced, to buy shares in companies with a good story...Shareholder Returns
| PAYS | US Diversified Financial | US Market | |
|---|---|---|---|
| 7D | -3.3% | -0.9% | -1.0% |
| 1Y | 135.3% | -0.7% | 14.1% |
Return vs Industry: PAYS exceeded the US Diversified Financial industry which returned -0.7% over the past year.
Return vs Market: PAYS exceeded the US Market which returned 14.1% over the past year.
Price Volatility
| PAYS volatility | |
|---|---|
| PAYS Average Weekly Movement | 10.0% |
| Diversified Financial Industry Average Movement | 5.8% |
| Market Average Movement | 6.9% |
| 10% most volatile stocks in US Market | 15.3% |
| 10% least volatile stocks in US Market | 2.9% |
Stable Share Price: PAYS has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: PAYS's weekly volatility (10%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 2001 | 226 | Mark Newcomer | 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.
Paysign, Inc. Fundamentals Summary
| PAYS fundamental statistics | |
|---|---|
| Market cap | US$734.57m |
| Earnings (TTM) | US$15.77m |
| Revenue (TTM) | US$100.64m |
46.6x
P/E Ratio7.3x
P/S RatioIs PAYS overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| PAYS income statement (TTM) | |
|---|---|
| Revenue | US$100.64m |
| Cost of Revenue | US$39.26m |
| Gross Profit | US$61.39m |
| Other Expenses | US$45.61m |
| Earnings | US$15.77m |
Last Reported Earnings
Jun 30, 2026
Next Earnings Date
n/a
| Earnings per share (EPS) | 0.28 |
| Gross Margin | 61.00% |
| Net Profit Margin | 15.67% |
| Debt/Equity Ratio | 0% |
How did PAYS perform over the long term?
See historical performance and comparisonCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/09/13 02:30 |
| End of Day Share Price | 2026/09/11 00:00 |
| Earnings | 2026/06/30 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
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.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Paysign, Inc. is covered by 6 analysts. 5 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Gary Prestopino | Barrington Research Associates, Inc. |
| Austin Moldow | Canaccord Genuity |
| Peter Heckmann | D.A. Davidson & Co. |