Quarter
Charts

PAYSIGN, INC.

PAYS

CIK 0001496443 · Quarterly mode · latest period FY2025 (Q4) (ending 2025-12-31) · sourced from SEC EDGAR

At a glance · FY2025 (Q4)

Revenue
$23M
↑+45.8% +$7Mvs FY2024 (Q4)
Operating Income
$2M
↑+459.1% +$2Mvs FY2024 (Q4)
Net Income
$1M
↑+310.8% +$1Mvs FY2024 (Q4)
Gross Profit
$13M
↑+42.6% +$4Mvs FY2024 (Q4)

Quality Score

Quality score

6-dimension fundamental snapshot · latest annual filed values · S&P 500 calibration

Average
63/100
  • Profitability
    40ROIC 13.0% (10% = solid, 20%+ = moat)
  • Liquidity
    30Current Ratio 1.11 (above 1.5 = solid)
  • Leverage
    94D/E 0.13 (under 0.5 = conservative)
  • Efficiency
    12Asset Turnover 0.36x (1.0+ = capital-efficient)
  • Growth
    100Revenue YoY +45.8% (10% = solid, 25%+ = elite)
  • Margin Trend
    100Op Margin 8.1% · trend +7.7pts (4Q avg vs prior 4Q)

Calibrated to S&P 500 medians. Each sub-score is computed from a single CFA-grade ratio (Profitability = ROIC, Liquidity = Current Ratio, Leverage = D/E, Efficiency = Asset Turnover, Growth = Revenue YoY, Margin Trend = 4Q operating-margin avg vs prior 4Q). Overall = simple mean.

DCF intrinsic value

DCF intrinsic value

two-stage Gordon model

Project PAYS's free cash flow forward, discount back at your hurdle rate, divide by diluted shares. Edit the assumptions to see how sensitive the intrinsic value is.

25%

Trailing 3-yr CAGR was 26.7%

10%

10% is a common all-equity benchmark for US large-caps

2.5%

Should be ≤ long-run GDP growth (~2.5% nominal)

5

5-year explicit projection + perpetuity terminal

Intrinsic value per share
$28.65
Total enterprise IV
$1.71B
Diluted shares
0.06B
Terminal PV
$1.33B (78% of total)
Year-5 FCF
$156M
YearProjected FCFDiscounted PV
+1$64M$58M
+2$80M$66M
+3$100M$75M
+4$125M$85M
+5$156M$97M
Terminal$2.14B$1.33B

DCF outputs are HIGHLY sensitive to growth + WACC assumptions. A 1pp WACC change can shift IV by 20%+. Use this as a sanity-check vs market price, not a target — and always cross-check the underlying FCF source (EDGAR cashflow statement, latest annual). Margin of safety convention: 30-50% discount to IV before buying.

Capital allocation · trailing 4 quarters

how the company spent its cash
Capex (TTM)
$1M
investment in PP&E
Stock buybacks (TTM)
$376K
share count reduction
Stock-based comp (TTM)
$4M
non-cash dilution

Balance sheet · 2025-12-31

latest filed snapshot
Total assets
$276M
everything owned
Total liabilities
$228M
everything owed
Stockholders' equity
$48M
shareholder claim
Net debt
$-1M
Net cash position ($1M)

Recent performance · 63 quarters

Revenue↑+45.8% +$7M
$23M
Net Income↓-0.7% -$10K
$1M
Free Cash Flow↑+234.6% +$33M
$48M
Operating Margin↑+6.0pts
8.1%

Drill down

PAYS Sankey

See PAYSIGN, INC.'s revenue flow into every line item of the income statement and balance sheet — every dollar accounted for, with prior-period comparison.

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PAYS Charts

63 quarters of historical line items — Income, Cash Flow, Balance Sheet, plus margins. Click any chart for the trend dialog.

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PAYS Key Metrics

EPS, BVPS, FCF/Share, ROE, ROA, ROIC, D/E, Current Ratio, Quick Ratio, Asset Turnover — 10 CFA-grade fundamentals derived from EDGAR data.

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