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Buy Day today: Poor Neutral (49) Good Mixed market breadth · no major macro event

Paysign Inc (PAYS)

Technology Software - Infrastructure
8.90 $
Closing price · As of: 20. Jul 2026
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Basics

Market Cap
0.4Mrd. $
Shares Outstanding
56Mio.
Float
62.6%
Beta
0.7

Performance

Perf. 1M
15.70%
Perf. 3M
48.00%
Perf. 6M
55.20%
YTD Performance (%)
44.50%
52-Week-High Distance
-13.1%

Valuation

P/E
Forward P/E
34.4
PEG
P/B
P/S
4.8
EV/EBITDA
21.6
Price/FCF
6.2

Profitability

Gross Margin
60.4%
EBIT Margin
Net Margin
11.4%
Return on Equity
22.1%
Return on Assets
2.7%

Balance Sheet & Safety

Equity Ratio
Debt/Equity
Altman Z
4.61
Piotroski
6 von 9

Growth

Sales Growth Last Quarter
50.80%
EPS Growth Last Quarter
86.50%
Sales Growth (Year)
40.50%
Forward Sales Growth
15.17%
Forward EPS Growth
32.30%

Quality & Screener

Stage
2
Top 10%
RS Rating
90
EPS Rating
84
Piotroski
6 von 9
Fundamental Rating
A (+63 von 100)
Altman Z
4.61

AI Rating

Neutral

In den letzten 4 Quartalsberichten und 2 Jahresberichten von PaySign findet sich kein wesentlicher KI-Bezug — die einzige Erwähnung von „artificial intelligence“ ist ein generischer Risikofaktor in beiden 10-Ks („Our ability to adapt our existing products and services to use artificial intelligence (‚AI‘) could adversely impact our business“ — es geht dort um regulatorische Unsicherheit rund um KI-Gesetze, nicht um eine konkrete Disruptionsgefahr für das Prepaid-/Payment-Geschäft), die vier 10-Qs enthalten gar keine KI-Erwähnung; weder KI-Umsatzquelle noch belegter operativer Einsatz noch konkretes Geschäftsrisiko.

View the full file — quotes, sources, reviewed filings

Highlighted are things our editorial team noticed: green = stands out as strong, red = deserves a closer look. No single metric is a verdict on its own — always read it in context.

Sales Per Quarter ($M)
2023: Q2 · 11.0 Mio. $ Q2 2023: Q3 · 12.4 Mio. $ Q3 2023: Q4 · 13.7 Mio. $ Q4 2024: Q1 · 13.2 Mio. $ Q1 2024: Q2 · 14.3 Mio. $ Q2 2024: Q3 · 15.3 Mio. $ Q3 2024: Q4 · 15.6 Mio. $ Q4 2025: Q1 · 18.6 Mio. $ Q1 2025: Q2 · 19.1 Mio. $ Q2 2025: Q3 · 21.6 Mio. $ Q3 2025: Q4 · 22.8 Mio. $ Q4 2026: Q1 · 28.0 Mio. $ Q1
Earnings Per Share Per Quarter ($)
2023: Q2 · 0.00 $ Q2 2023: Q3 · 0.02 $ Q3 2023: Q4 · 0.10 $ Q4 2024: Q1 · 0.01 $ Q1 2024: Q2 · 0.01 $ Q2 2024: Q3 · 0.03 $ Q3 2024: Q4 · 0.02 $ Q4 2025: Q1 · 0.05 $ Q1 2025: Q2 · 0.02 $ Q2 2025: Q3 · 0.04 $ Q3 2025: Q4 · 0.02 $ Q4 2026: Q1 · 0.09 $ Q1
Net Margin Per Quarter (%)
2023: Q2 · -0.9 % Q2 2023: Q3 · 8.9 % Q3 2023: Q4 · 40.9 % Q4 2024: Q1 · 2.3 % Q1 2024: Q2 · 4.9 % Q2 2024: Q3 · 9.2 % Q3 2024: Q4 · 8.8 % Q4 2025: Q1 · 13.9 % Q1 2025: Q2 · 7.3 % Q2 2025: Q3 · 10.3 % Q3 2025: Q4 · 6.0 % Q4 2026: Q1 · 19.4 % Q1
Operating Cash Flow Per Quarter ($M)
2023: Q2 · -3.1 Mio. $ Q2 2023: Q3 · 4.0 Mio. $ Q3 2023: Q4 · 23.4 Mio. $ Q4 2024: Q1 · 8.2 Mio. $ Q1 2024: Q2 · 20.6 Mio. $ Q2 2024: Q3 · -20.2 Mio. $ Q3 2024: Q4 · 14.3 Mio. $ Q4 2025: Q1 · -6.0 Mio. $ Q1 2025: Q2 · 3.6 Mio. $ Q2 2025: Q3 · 6.8 Mio. $ Q3 2025: Q4 · 48.1 Mio. $ Q4 2026: Q1 · 18.8 Mio. $ Q1
Free Cash Flow Per Quarter ($M)
2023: Q2 · -4.5 Mio. $ Q2 2023: Q3 · 2.1 Mio. $ Q3 2023: Q4 · 21.4 Mio. $ Q4 2024: Q1 · 6.0 Mio. $ Q1 2024: Q2 · 18.2 Mio. $ Q2 2024: Q3 · -22.6 Mio. $ Q3 2024: Q4 · 11.9 Mio. $ Q4 2025: Q1 · -8.5 Mio. $ Q1 2025: Q2 · 1.8 Mio. $ Q2 2025: Q3 · 4.6 Mio. $ Q3 2025: Q4 · 46.4 Mio. $ Q4 2026: Q1 · 17.1 Mio. $ Q1
Sales Growth vs. Year-Ago Quarter (%)
2023: Q2 · 27.9 % Q2 2023: Q3 · 17.0 % Q3 2023: Q4 · 29.2 % Q4 2024: Q1 · 30.7 % Q1 2024: Q2 · 30.0 % Q2 2024: Q3 · 23.4 % Q3 2024: Q4 · 14.0 % Q4 2025: Q1 · 41.0 % Q1 2025: Q2 · 33.1 % Q2 2025: Q3 · 41.6 % Q3 2025: Q4 · 45.8 % Q4 2026: Q1 · 50.8 % Q1
EPS Growth vs. Year-Ago Quarter (%)
2023: Q3 · 0.0 % Q3 2023: Q4 · 900.0 % Q4 2024: Q3 · 50.0 % Q3 2024: Q4 · -76.4 % Q4 2025: Q1 · 731.1 % Q1 2025: Q2 · 92.2 % Q2 2025: Q3 · 39.9 % Q3 2025: Q4 · -10.5 % Q4 2026: Q1 · 90.1 % Q1
Price Change in Quarter (%)
2024: Q4 · -17.7 % Q4 2025: Q1 · -29.8 % Q1 2025: Q2 · 239.6 % Q2 2025: Q3 · -12.6 % Q3 2025: Q4 · -18.1 % Q4 2026: Q1 · 14.6 % Q1

Quarterly Figures

Quarterly Figures
Quarter EPS (Earnings Per Share) EPS YoY (%) Sales ($M) Sales YoY (%) Net Margin (%) OCF ($M) FCF ($M)
2023: Q2 0.00 11 27.90 -0.90 -3 -5
2023: Q3 0.02 0.00 12 17.00 8.90 4 2
2023: Q4 0.10 900.00 14 29.20 40.90 23 21
2024: Q1 0.01 13 30.70 2.30 8 6
2024: Q2 0.01 14 30.00 4.90 21 18
2024: Q3 0.03 50.00 15 23.40 9.20 -20 -23
2024: Q4 0.02 -76.40 16 14.00 8.80 14 12
2025: Q1 0.05 731.10 19 41.00 13.90 -6 -9
2025: Q2 0.02 92.20 19 33.10 7.30 4 2
2025: Q3 0.04 39.90 22 41.60 10.30 7 5
2025: Q4 0.02 -10.50 23 45.80 6.00 48 46
2026: Q1 0.09 90.10 28 50.80 19.40 19 17
What Do These Terms Mean?
EPS (Earnings Per Share):
Quarterly profit divided by the total share count — how much of the profit works out to a single share.
YoY (Year over Year):
Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
Sales:
All revenue for the quarter, before any costs are deducted — the top line of the income statement.
Net Margin:
What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
OCF (Operating Cash Flow):
The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
FCF (Free Cash Flow):
Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.

About the Company

Paysign, Inc. bietet Prepaid-Kartenprogramme, Patientenkostenlösungen, Digital Banking, Life-Science-Softwaretechnologielösungen und integrierte Zahlungsabwicklungsdienstleistungen für Unternehmen, Verbraucher und staatliche Einrichtungen in den USA an.

CEO Insider Trades (12 Mo.)selling own stock
Employees226
HeadquartersHenderson, NV
Websitepaysign.com
IPO Date2. Apr 1998
Next Earnings4. Aug 2026

Management

Management
Name Title Birth Year
Mark R. Newcomer Co-Founder, President, CEO & Director 1965
Matthew Turner President of Patient Affordability
Michael Ngo Chief Innovation Officer
Jeffery B. Baker CFO & Treasurer 1972
Cosimo Cambi Chief Operating Officer
Brad Cunningham Chief Technology Officer
Eric Trudeau Chief Compliance Officer
Robert P. Strobo Esq. General Counsel, Chief Legal Officer & Corporate Secretary 1980
Dennis M. DiVenuta J.D. Executive Vice President of Strategy & Corporate Development
Alicia Ches Vice President of Marketing

Executives per the latest required filings; titles kept in their original language. Source: fundamental data.

Chart

Interactive price chart (TradingView).

Data as of: July 20, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)

Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.

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