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May 13, 2026·SEC
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Mar 24, 2026·SEC
PaySign, Inc.(PAYS)Earnings, Financials & Key Ratios
PAYS•NASDAQ
$8.35
64.2× P/E·Price updated Jul 6, 2026
AboutPaySign, Inc. provides prepaid card products and processing services under the PaySign brand for corporate, consumer, and government applications. It offers various services, such as transaction processing, cardholder enrollment, value loading, cardholder account management, reporting, and customer service through PaySign, a proprietary card-processing platform. The company also develops prepaid card programs for corporate incentive and rewards, including consumer rebates, donor compensation, clinical trials, healthcare reimbursement payments, and pharmaceutical payment assistance; and payroll or general purpose reloadable cards, as well as gift or incentive cards. In addition, it offers and Per Diem/Corporate Expense Payments that allows businesses, and nonprofits and government agencies the ability to control employee spending while reducing administration costs by eliminating the need for traditional expense reports. Further, the company provides payment claims processing and other administrative services; pharmacy-based voucher and copay, and medical claims and debit-based affordability programs; PaySign Premier, a demand deposit account debit card; and payment solution for source plasma collection centers, as well as customer service center and PaySign Communications Suite services. Its principal target markets for processing services comprise prepaid card issuers, retail and private-label issuers, small third-party processors, and small and mid-size financial institutions in the United States and Mexico. The company was formerly known as 3PEA International, Inc. and changed its name to PaySign, Inc. in April 2019. PaySign, Inc. was incorporated in 1995 and is based in Henderson, Nevada.Show more
- Revenue$82M+40.5%
- EBITDA$16M+121.8%
- Net Income$8M+97.9%
- EPS (Diluted)0.13+89.5%
- Gross Margin49.25%-10.7%
- EBITDA Margin18.97%+57.9%
- Operating Margin8.83%+404.7%
- Net Margin9.21%+40.9%
- ROE19.13%+37.7%
PAYS Price & Volume
PaySign, Inc. (PAYS) stock price & volume — 10-year historical chart
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Accelerating Revenue Growth Amidst Volatile Cash Flows
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Accelerating
Profitability:Moderate
Financial:Healthy
Cash Flow:Mixed
Primary Risk:Regulatory fee structure sensitivity
Key Thesis Takeaways
- PaySign is currently benefiting from rapid scaling in its specialized plasma and pharmaceutical payment segments, evidenced by a 50.8% year-over-year revenue growth in 2026Q1.
- While the company has successfully expanded its equity base to $55.0 million through retained earnings, investors should remain cautious regarding the sustainability of its fee-based model in the face of potential regulatory scrutiny.
- The firm's reliance on non-cash accounting adjustments and erratic working capital cycles suggests that future profitability may be less predictable than recent quarterly earnings indicate.
Verdict Logic
while the company demonstrates significant top-line momentum with 50.8% revenue growth, the extreme volatility in cash conversion and reliance on non-cash compensation suggest that the current 62.85 P/E ratio may not fully reflect underlying operational risks.
PAYS Growth Metrics
PaySign, Inc. (PAYS) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years26.04%
5 Years27.74%
3 Years29.2%
TTM43.38%
Profit CAGR
10 Years-
5 Years-
3 Years94.41%
TTM70.76%
EPS CAGR
10 Years-
5 Years-
3 Years88.53%
TTM52.48%
Return on Capital
10 Years15%
5 Years0.8%
3 Years6.09%
Last Year15.61%
PAYS Recent Earnings
PaySign, Inc. (PAYS) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 6/12 qtrs (60%)●Beat Revenue 9/12 qtrs (75%)
Q2 2026Latest
May 12, 2026Metric
Actual
Est
EPS
$0.09+28.6%
$0.07
Rev
$28M+3.8%
$27M
Q2 2026
Mar 24, 2026Metric
Actual
Est
EPS
$0.02+0.0%
$0.02
Rev
$23M+5.6%
$22M
Q4 2025
Nov 12, 2025Metric
Actual
Est
EPS
$0.04+33.3%
$0.03
Rev
$22M+0.2%
$22M
Q3 2025
Aug 5, 2025Metric
Actual
Est
EPS
$0.02-50.0%
$0.04
Rev
$19M+2.1%
$19M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 12, 2026 | $0.09vs $0.07+28.6% | $28Mvs $27M+3.8% |
| Q2 2026 | Mar 24, 2026 | $0.02vs $0.02+0.0% | $23Mvs $22M+5.6% |
| Q4 2025 | Nov 12, 2025 | $0.04vs $0.03+33.3% | $22Mvs $22M+0.2% |
| Q3 2025 | Aug 5, 2025 | $0.02vs $0.04-50.0% | $19Mvs $19M+2.1% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for PaySign, Inc. (PAYS)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $8.35 | $466.81M | 64.23 | 40.5% | 9.21% | 19.13% | — | |
| $2.37 | $65.4M | -25.40 | 2.97% | -2.43% | -11.73% | — | |
| $7.07 | $582.25M | 10.40 | 8.33% | 5.85% | — | — | |
| $28.80 | $1.77B | 13.09 | 10.21% | 13.95% | 18.65% | — | |
| $13.26 | $751.58M | -7.41 | 20.69% | -3.25% | -7.74% | — | |
| $115.07 | $6.73B | -28.27 | -79.35% | -1027.25% | -55.42% | — |
Compare PAYS vs Peers
PaySign, Inc. (PAYS) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
PAYS SEC Filings & Documents
PaySign, Inc. (PAYS) SEC filings — annual & quarterly reports (10-K, 10-Q)
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PAYS Frequently Asked Questions
PaySign, Inc. (PAYS) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
What is PaySign, Inc.'s revenue?
PaySign, Inc. (PAYS) reported $91.5M in revenue for fiscal year 2025. This represents a 2036% increase from $4.3M in 2010.
How fast is PaySign, Inc. growing?
PaySign, Inc. (PAYS) grew revenue by 40.5% over the past year. This is strong growth.
Is PAYS profitable?
Yes, PaySign, Inc. (PAYS) is profitable, generating $10.4M in net income for fiscal year 2025 (9.2% net margin).
Dividend & Returns
What is PAYS's return on equity?
PaySign, Inc. (PAYS) has a return on equity (ROE) of 19.1%. This is reasonable for most industries.
What is PaySign, Inc.'s free cash flow?
PaySign, Inc. (PAYS) generated $69.9M in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.