Stocktoria
Paysign, Inc. PAYS
Paysign, Inc. (PAYS) earns a Piotroski F-score of 6/9 (mixed financial health), with an Altman Z″ in the grey zone. It does not currently pay a dividend. FY2025 revenue was $82.0M at a 9.2% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Beneish M-score: -2.3 — low (below −2.22 — no manipulation red flag) . A statistical screen for earnings manipulation, not proof — and it doesn't apply to most banks/insurers.
Analyst price target
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Services · percentile among 982 companies
Percentile vs other Services companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 6/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″ components · grey zone
| Component | Value |
|---|---|
| Working capital / assets | 0.086 |
| Retained earnings / assets | 0.055 |
| EBIT / assets | 0.027 |
| Equity / liabilities | 0.213 |
Sector peers · similar-size Services companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| PAYS | Paysign, Inc. | 6/9 | 1.14 | 60.5 | +40.5% |
| NOTE | FiscalNote Holdings, Inc. | 2/9 | -12.08 | — | -20.7% |
| OPRX | OptimizeRx Corp | 8/9 | 3.37 | 18.7 | +18.8% |
| POWW | Outdoor Holding Co | 7/9 | 6.36 | — | +3.5% |
| HGBL | Heritage Global Inc. | 5/9 | -3.22 | 11.8 | +12.4% |
| RSSS | Research Solutions, Inc. | 5/9 | -1.74 | 60.5 | +9.9% |
| BAER | Bridger Aerospace Group Holdings, Inc. | 7/9 | — | 24.1 | +24.6% |
About Paysign, Inc.
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. It markets its prepaid card solutions under the Paysign brand name. The company serves companies and municipalities that require payment solutions for rewards, rebates, payment assistance, and other payments to their customers, employees, agents, and others. Paysign, Inc. was founded in 2001 and is headquartered in Henderson, Nevada.
FAQ
Is PAYS financially healthy?
Paysign, Inc.'s Piotroski F-score is 6/9 (8–9 is excellent, 0–3 weak), and its Altman Z″ distress score is in the grey zone.
Does PAYS pay a dividend?
No, Paysign, Inc. does not currently pay a dividend.
How profitable is PAYS?
In FY2025, Paysign, Inc. had a net margin of 9.2% and a return on equity of 15.6%.
Is PAYS overvalued or undervalued?
Paysign, Inc. trades at about 98.5× trailing earnings — above its 10-year norm (10-year range 4.0×–173.5×, median 32.1×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for PAYS?
The average Wall-Street price target for Paysign, Inc. is $9.95, about 22.3% below the recent price, from 5 analysts (consensus: strong buy).
Is PAYS a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on Paysign, Inc.: a Piotroski F-score of 6/9, an Altman Z″ in the grey zone, a P/E of about 60.5×. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.