PAYS · Paysign, Inc.
What's happening
- PAYS is up 2.87% today, trading at $15.61. — Live quote
- Volume today (27,959) is well below its 3-month average of 739,160. (Finnhub fundamentals)
- Reports earnings on 2026-11-09, 18 days away. (Finnhub earnings calendar)
- Last quarter's EPS beat estimates: $0.11 actual vs. $0.06 estimated (+79.7%). (Finnhub earnings history)
Deterministic template sentences filled in from the same sourced figures shown elsewhere on this page -- not an AI-written summary, no live model call.
Key Statistics
Analyst Recommendations
Aggregate ratings for 2026-10-01 (11 analysts polled by Finnhub) — consensus count.
Performance Overview (Trailing returns vs S&P 500 benchmark)
Earnings Trends (Quarterly EPS Actual vs Estimate)
Valuation Measures & Ratios
Quarterly history (5 periods)
| Measure | Jun '26 | Mar '26 | Sep '25 | Jun '25 | Mar '25 |
|---|---|---|---|---|---|
| Market cap | $502.4M | $357.2M | $348.9M | $499.9M | $110.2M |
| P/E | 31.80 | 30.72 | 45.75 | 81.85 | 21.91 |
| Price/Sales | 5.18 | 4.09 | 4.68 | 7.43 | 1.79 |
| Price/Book | 8.35 | 6.49 | 7.62 | 11.84 | 2.81 |
| EV/Revenue | 5.24 | 4.16 | 4.79 | 7.55 | 1.95 |
| EV/EBITDA | 19.54 | 17.36 | 25.71 | — | — |
| ROE | 26.26% | 21.14% | 16.67% | 14.47% | 12.81% |
| ROA | 4.98% | 3.72% | 3.64% | 3.15% | 2.45% |
Trailing-twelve-month ratios computed from SEC EDGAR quarterly figures and historical daily close prices (Alpaca). Diluted shares are derived from Net income ÷ EPS (diluted) for each quarter, not separately reported. Forward P/E/PEG unavailable (no free data source).
Glossary — what these abbreviations mean
- 1. TTM
- Trailing twelve months — the sum of the last four reported quarters, not a calendar year or the single latest quarter.
- 2. EPS
- Earnings per share — net income divided by diluted shares outstanding.
- 3. Beta
- A stock's historical volatility relative to the overall market. Above 1 means it has moved more than the market; below 1, less.
- 4. EV (Enterprise Value)
- Market cap plus total debt minus cash — roughly what it would cost to buy the whole company, debt included.
- 5. Forward P/E
- Price divided by analysts' estimated earnings for the next 12 months, instead of trailing actual earnings.
- 6. PEG Ratio
- P/E divided by expected earnings growth rate. A lower number can indicate a stock is cheap relative to how fast it's expected to grow.
- 7. Price / Book
- Share price divided by book value (assets minus liabilities) per share.
- 8. ROE
- Return on equity — net income divided by shareholders' equity, a measure of how efficiently a company turns equity into profit.
- 9. ROA
- Return on assets — net income divided by total assets, a measure of how efficiently a company turns assets into profit.
- 10. MRQ
- Most recent quarter — the single latest reported period, as opposed to TTM. The Financials section's "Quarterly" view below shows MRQ-style figures.
- 11. YoY
- Year over year — percent change versus the same period one year earlier, used for growth figures like those on Compare cards and the Screener.
Short Interest
Source: FINRA Rule 4560 consolidated short interest, settlement date 2026-09-30. Reported bi-monthly with a reporting lag — not real-time.
Quotes and the 1-day extended-hours chart: Yahoo Finance. Longer historical charts: Alpaca (IEX feed) — real-time but IEX-only volume (~2.5% of consolidated market volume). Fundamentals + earnings: Finnhub.
Price history
Drag horizontally to zoom into a section; use Reset view to restore all observations.
Technical signal summary
Calculating from the latest year of daily price history…
Show Technical Analysis Breakdown ▾ 10 Indicators
Not investment advice — read several signals together.
Indicators None active
History limited by data provider; markers are heuristics, not signals.
Peer and sector context
Balanced evidence
A deterministic summary of sourced facts—not an AI verdict.
Potential strengths
- Revenue growth is 48.1% on the provider's reported measure. Finnhub fundamentals ↗
- Net profit margin is 15.7%. Finnhub fundamentals ↗
- Trailing 52-week price return is +170.2%. Finnhub market metrics ↗
Potential concerns
- Trailing P/E is 55.1, a high price relative to reported earnings. Finnhub fundamentals ↗
- Latest SEC filing is Form 4, filed 2026-10-14; review it for current changes and risks. SEC EDGAR ↗
Rule-based facts only; absence from either side is not evidence, and this is not a recommendation.
More on PAYS
No accessible free API for these — links go to the source directly.
Financials
Fundamental trends
Visualized from the same SEC figures in the tables below.
Income statement
| Line item | Jun '26 | Mar '26 | Sep '25 | Jun '25 | Mar '25 | Sep '24 | Jun '24 | Mar '24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $28.3M | $28.0M | $21.6M | $19.1M | $18.6M | $15.3M | $14.3M | $13.2M |
| Gross profit | $17.9M | $18.2M | $12.2M | $11.8M | $11.7M | $8.5M | $7.6M | $6.9M |
| Operating income | $7.0M | $6.7M | $1.6M | $1.4M | $2.5M | $689.8K | $125.7K | -$258.4K |
| Net income | $6.8M | $5.4M | $2.2M | $1.4M | $2.6M | $1.4M | $697.1K | $309.1K |
| EPS (diluted) | $0.11 | $0.09 | $0.04 | $0.02 | $0.05 | $0.03 | $0.01 | $0.01 |
| EPS (basic) | $0.12 | $0.10 | $0.04 | $0.03 | $0.05 | $0.03 | $0.01 | $0.01 |
| Operating margin | $25 | $24 | $7 | $8 | $13 | $5 | $1 | -$2 |
| Net margin | $24 | $19 | $10 | $7 | $14 | $9 | $5 | $2 |
Balance sheet
| Line item | Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $317.0M | $312.7M | $276.3M | $209.5M | $193.9M | $205.1M | $179.0M | $167.0M |
| Total liabilities | $256.8M | $257.7M | $227.8M | $163.8M | $151.7M | $165.8M | $148.6M | $138.5M |
| Stockholders' equity | $60.2M | $55.0M | $48.5M | $45.8M | $42.2M | $39.3M | $30.4M | $28.5M |
| Total current assets | $283.0M | $277.4M | $240.1M | $171.3M | $158.7M | $167.2M | $158.8M | $147.5M |
| Total current liabilities | $248.4M | $248.1M | $216.3M | $152.1M | $143.3M | $155.7M | $146.1M | $135.9M |
| Cash & equivalents | — | — | — | — | — | — | — | — |
| Accounts receivable | $103.2M | $94.2M | $72.2M | $49.6M | $41.3M | $52.2M | $32.6M | $32.8M |
| Property, plant & equipment | $1.9M | $2.0M | $1.9M | $1.5M | $1.1M | $1.1M | $1.2M | $1.1M |
| Goodwill | $4.5M | $4.5M | $4.5M | $4.5M | $4.5M | $5.5M | $0 | — |
| Intangible assets | $20.8M | $21.7M | $22.3M | $23.3M | $23.7M | $25.2M | $12.2M | $11.6M |
| Deferred revenue (current) | $148.2M | $158.1M | $143.2M | $110.4M | $101.8M | $104.3M | $111.3M | $100.1M |
| Short-term debt | $1.7M | $1.6M | $1.9M | $1.7M | $1.6M | $2.0M | $0 | — |
| Long-term debt | $3.6M | $4.6M | $6.1M | $6.1M | $6.1M | $7.8M | $0 | — |
| Common stock & paid-in capital | $57.9K | $56.7K | $56.0K | $56.0K | $55.3K | $55.1K | $54.4K | $54.3K |
| Retained earnings | $27.3M | $20.5M | $15.1M | $13.7M | $11.5M | $10.1M | $7.5M | $6.2M |
Cash flow
| Line item | Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 |
|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $1.3M | $18.8M | $48.1M | $6.8M | $3.6M | -$6.0M | $14.3M | -$20.2M |
| Investing cash flow | -$1.4M | -$2.1M | -$1.7M | -$2.2M | -$1.8M | -$4.4M | -$2.4M | -$2.4M |
| Financing cash flow | -$2.9M | -$2.2M | $0 | $69.1K | $591.5K | -$375.8K | -$134.6K | -$355.7K |
| Free cash flow | $1.2M | $18.5M | $47.5M | $6.3M | $3.6M | -$6.1M | $14.2M | -$20.3M |
| Capital expenditures | $103.2K | $266.5K | $590.6K | $453.6K | $86.3K | $78.7K | $116.7K | $122.0K |
| Depreciation & amortization | $2.3M | $2.6M | $4.4M | $2.2M | $2.1M | $1.8M | $4.7M | $1.6M |
| Share-based compensation | $1.3M | $1.3M | $3.6M | $1.3M | $954.4K | $672.3K | $1.9M | $573.5K |
| Deferred income taxes | $301.3K | $57.9K | $1.3M | $338.0K | $154.8K | $519.7K | -$127.0K | $203.2K |
| Change in accounts receivable | $8.9M | $22.1M | $22.5M | $8.3M | -$10.9M | $19.6M | -$157.6K | $7.0M |
| Purchases of investments | — | — | — | — | — | — | — | — |
| Share repurchases | -$199.7K | $199.7K | $0 | $0 | $0 | $375.8K | $134.6K | $360.5K |
| Tax withholding on stock comp | $3.2M | — | — | — | $0 | — | — | — |
Income statement
| Line item | Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 |
|---|---|---|---|---|---|
| Revenue | $82.0M | $58.4M | $47.3M | $38.0M | $29.5M |
| Gross profit | $48.7M | $32.2M | $24.1M | $21.0M | $14.7M |
| Operating income | $7.4M | $1.0M | -$167.3K | $344.3K | -$2.7M |
| Net income | $7.6M | $3.8M | $6.5M | $1.0M | -$2.7M |
| EPS (diluted) | $0.13 | $0.07 | $0.12 | $0.02 | $-0.05 |
| EPS (basic) | $0.14 | $0.07 | $0.12 | $0.02 | $-0.05 |
| Operating margin | $9 | $2 | -$0 | $1 | -$9 |
| Net margin | $9 | $7 | $14 | $3 | -$9 |
Balance sheet
| Line item | Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 |
|---|---|---|---|---|---|
| Total assets | $276.3M | $179.0M | $146.6M | $108.2M | $84.1M |
| Total liabilities | $227.8M | $148.6M | $122.1M | $92.0M | $71.1M |
| Stockholders' equity | $48.5M | $30.4M | $24.5M | $16.3M | $13.0M |
| Total current assets | $240.1M | $158.8M | $129.2M | $97.7M | $74.3M |
| Total current liabilities | $216.3M | $146.1M | $119.2M | $88.6M | $67.4M |
| Cash & equivalents | — | — | — | — | $7.4M |
| Accounts receivable | $72.2M | $32.6M | $16.2M | $4.7M | $3.4M |
| Property, plant & equipment | $1.9M | $1.2M | $1.1M | $1.3M | $1.6M |
| Goodwill | $4.5M | $0 | — | — | — |
| Intangible assets | $22.3M | $12.2M | $8.8M | $5.7M | $4.1M |
| Deferred revenue (current) | $143.2M | $111.3M | $92.3M | $80.2M | $61.3M |
| Short-term debt | $1.9M | $0 | — | — | — |
| Long-term debt | $6.1M | $0 | — | — | — |
| Common stock & paid-in capital | $56.0K | $54.4K | $53.5K | $52.6K | $52.1K |
| Retained earnings | $15.1M | $7.5M | $3.7M | -$2.7M | -$3.8M |
Cash flow
| Line item | Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 |
|---|---|---|---|---|---|
| Operating cash flow | $52.5M | $22.9M | $27.6M | $25.3M | $15.2M |
| Investing cash flow | -$10.1M | -$9.5M | -$7.0M | -$4.1M | -$2.7M |
| Financing cash flow | $284.9K | -$466.2K | -$1.1M | $0 | $192.1K |
| Free cash flow | $51.2M | $22.5M | $27.4M | $25.2M | $14.9M |
| Capital expenditures | $1.2M | $434.9K | $262.6K | $105.2K | $328.6K |
| Depreciation & amortization | $8.3M | $6.0M | $4.0M | $2.9M | $2.5M |
| Share-based compensation | $4.3M | $2.6M | $2.9M | $2.3M | $2.3M |
| Deferred income taxes | $2.3M | $298.8K | -$4.3M | $0 | $0 |
| Change in accounts receivable | $39.6M | $16.4M | $11.5M | $1.3M | $2.9M |
| Share repurchases | $375.8K | $495.0K | $1.1M | $0 | — |
| Tax withholding on stock comp | — | — | — | — | $0 |
Source: SEC EDGAR XBRL filings (10-Q/10-K), as originally tagged by the company. Quarterly cash flow is reconstructed by de-cumulating fiscal-year-to-date figures (how cash flow is tagged in 10-Qs); other quarterly lines are reported directly.
Institutional holders
SEC Form 13F filers holding PAYS as of the latest reported quarter. 13F only covers investment managers with $100M+ in assets — this is not a complete ownership picture, and does not include insiders (see Recent SEC filings below) or non-13F-eligible holders.
Insider activity
Directors, officers, and 10%+ owners' reported transactions from SEC Form 4. A filing reports a transaction; it does not by itself explain why it happened.
Source: SEC EDGAR Form 4 filings · checked 25 most recent filings · covers 2025-03-19 to 2026-10-09
Recent transactions
- Insiders have net sold 687,808 shares over the last 182 days, across 0 purchases and 15 sales.
- Most recent: Newcomer Mark (CEO) — Open market sale of 50,000 shares on 2026-10-09.
Deterministic template sentences filled in from the SEC Form 4 figures in the tables below -- not an AI-written summary, no live model call.
Insider purchases & sales, last 6 months
Counts only open-market purchases (code P) and sales (code S) — grants, option exercises, tax withholding, and gifts are excluded since they aren't a market buy/sell decision.
Insider roster
| Name | Title | Most Recent Transaction | Date | Shares |
|---|---|---|---|---|
| Newcomer Mark | CEO | Open market sale | 2026-10-09 | 50,000 |
| Herman Joan M | EVP, Operations | Open market sale | 2026-09-16 | 38,900 |
| Ngo Michael C | Chief Innovation Officer | Open market sale | 2026-09-09 | 79,925 |
| Baker Jeffery Bradford | Chief Financial Officer | Open market sale | 2026-08-12 | 35,000 |
| Triplett Dennis L | Director | Option exercise | 2026-08-04 | 20,000 |
| NEWMAN JEFFREY B | Director | Option exercise | 2026-08-04 | 20,000 |
| Mina Bruce A | Director | Option exercise | 2026-08-04 | 20,000 |
| HENRY DANIEL R | Director | Option exercise | 2026-08-04 | 20,000 |
| Cunningham Bradley Kramer | Chief Technology Officer | Tax withholding | 2026-07-31 | 22,430 |
| Strobo Robert | Chief Legal Officer | Option exercise | 2026-07-31 | 64,000 |
| Lanford Matthew Louis | Chief Payments Officer | Option exercise | 2026-07-31 | 64,000 |
| Turner Matthew Baker | PRES., PATIENT AFFORDABILITY | Tax withholding | 2026-05-22 | 50,681 |
Recent transactions
| Date | Insider | Title | Transaction | Shares | Price |
|---|---|---|---|---|---|
| 2026-10-09 | Newcomer Mark | CEO | Open market sale | 50,000 | $15.34 |
| 2026-09-16 | Herman Joan M | EVP, Operations | Open market sale | 38,900 | $11.74 |
| 2026-09-15 | Herman Joan M | EVP, Operations | Open market sale | 21,004 | $12.38 |
| 2026-09-09 | Ngo Michael C | Chief Innovation Officer | Open market sale | 79,925 | $12.74 |
| 2026-09-08 | Ngo Michael C | Chief Innovation Officer | Open market sale | 70,075 | $12.85 |
| 2026-08-12 | Baker Jeffery Bradford | Chief Financial Officer | Open market sale | 35,000 | $12.62 |
| 2026-08-06 | Newcomer Mark | CEO | Open market sale | 150,000 | $11.88 |
| 2026-08-04 | Triplett Dennis L | Director | Option exercise | 20,000 | $0.00 |
| 2026-08-04 | NEWMAN JEFFREY B | Director | Option exercise | 20,000 | $0.00 |
| 2026-08-04 | Mina Bruce A | Director | Option exercise | 20,000 | $0.00 |
| 2026-08-04 | HENRY DANIEL R | Director | Option exercise | 20,000 | $0.00 |
| 2026-07-31 | Cunningham Bradley Kramer | Chief Technology Officer | Tax withholding | 22,430 | $8.96 |
| 2026-07-31 | Newcomer Mark | CEO | Option exercise | 150,000 | $0.00 |
| 2026-07-31 | Newcomer Mark | CEO | Tax withholding | 59,025 | $8.96 |
| 2026-07-31 | Strobo Robert | Chief Legal Officer | Option exercise | 64,000 | $0.00 |
| 2026-07-31 | Strobo Robert | Chief Legal Officer | Tax withholding | 25,184 | $8.96 |
| 2026-07-31 | Herman Joan M | EVP, EFT Operations | Option exercise | 36,000 | $0.00 |
| 2026-07-31 | Herman Joan M | EVP, EFT Operations | Tax withholding | 13,780 | $8.96 |
| 2026-07-31 | Baker Jeffery Bradford | Chief Financial Officer | Option exercise | 64,000 | $0.00 |
| 2026-07-31 | Baker Jeffery Bradford | Chief Financial Officer | Tax withholding | 28,506 | $8.96 |
| 2026-07-31 | Lanford Matthew Louis | Chief Payments Officer | Option exercise | 64,000 | $0.00 |
| 2026-07-31 | Lanford Matthew Louis | Chief Payments Officer | Tax withholding | 25,185 | $8.96 |
| 2026-07-29 | Newcomer Mark | CEO | Open market sale | 50,000 | $9.38 |
| 2026-07-16 | Herman Joan M | EVP, Operations | Open market sale | 28,000 | $8.69 |
| 2026-07-15 | Herman Joan M | EVP, Operations | Open market sale | 31,904 | $8.60 |
| 2026-06-30 | Cunningham Bradley Kramer | Chief Technology Officer | Tax withholding | 11,579 | $8.19 |
| 2026-06-26 | Herman Joan M | EVP, Operations | Open market sale | 100,000 | $8.01 |
| 2026-06-11 | Mina Bruce A | Director | Open market sale | 10,000 | $7.09 |
| 2026-06-01 | Cunningham Bradley Kramer | Chief Technology Officer | Open market sale | 3,000 | $7.80 |
| 2026-06-01 | Mina Bruce A | Director | Open market sale | 10,000 | $7.10 |
| 2026-05-29 | Cunningham Bradley Kramer | Chief Technology Officer | Open market sale | 10,000 | $7.30 |
| 2026-05-29 | Baker Jeffery Bradford | Chief Financial Officer | Tax withholding | 44,541 | $7.27 |
| 2026-05-22 | Turner Matthew Baker | PRES., PATIENT AFFORDABILITY | Tax withholding | 50,681 | $6.72 |
| 2026-05-18 | Cunningham Bradley Kramer | Chief Technology Officer | Tax withholding | 12,369 | $5.87 |
| 2026-05-08 | Triplett Dennis L | Director | Grant / award | 20,000 | $0.00 |
| 2026-05-08 | NEWMAN JEFFREY B | Director | Grant / award | 20,000 | $0.00 |
| 2026-05-08 | Mina Bruce A | Director | Grant / award | 20,000 | $0.00 |
| 2026-05-08 | HENRY DANIEL R | Director | Grant / award | 20,000 | $0.00 |
| 2026-03-31 | Ngo Michael C | Chief Innovation Officer | Tax withholding | 38,664 | $5.90 |
| 2026-02-03 | Turner Matthew Baker | PRES., PATIENT AFFORDABILITY | Open market sale | 15,057 | $4.16 |
| 2025-11-13 | Turner Matthew Baker | PRES., PATIENT AFFORDABILITY | Grant / award | 233,333 | $0.00 |
| 2025-11-13 | Baker Jeffery Bradford | Chief Financial Officer | Grant / award | 200,000 | $0.00 |
| 2025-03-19 | Ngo Michael C | Chief Innovation Officer | Grant / award | 2,500,000 | $0.00 |
| 2025-03-19 | Ngo Michael C | Chief Innovation Officer | Grant / award | 500,000 | $0.00 |
Recent SEC filings
Official company reports and insider transaction filings. Form 4 reports a transaction; it does not by itself explain why it happened.
Source: SEC EDGAR submissions · updated 2026-10-22 07:49 UTC
| Filed | Form | Report period | Official filing |
|---|---|---|---|
| 2026-10-14 | 4 | 2026-10-09 | View on SEC.gov → |
| 2026-09-17 | 4 | 2026-09-15 | View on SEC.gov → |
| 2026-09-10 | 4 | 2026-09-08 | View on SEC.gov → |
| 2026-09-08 | 4 | 2025-03-19 | View on SEC.gov → |
| 2026-09-04 | 4 | 2025-11-13 | View on SEC.gov → |
| 2026-09-04 | 4 | 2026-05-18 | View on SEC.gov → |
| 2026-08-14 | 4 | 2026-08-12 | View on SEC.gov → |
| 2026-08-07 | 4 | 2026-08-06 | View on SEC.gov → |
| 2026-08-06 | 4 | 2026-08-04 | View on SEC.gov → |
| 2026-08-06 | 4 | 2026-08-04 | View on SEC.gov → |
| 2026-08-06 | 4 | 2026-08-04 | View on SEC.gov → |
| 2026-08-06 | 4 | 2026-08-04 | View on SEC.gov → |
Recent news
Headlines about PAYS (Paysign, Inc.). Links open the publisher — we don’t host full articles.
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