PaySign
PAYS
15.37
+0.41
+2.74%
PaySign
US · PAYS
#3376 by market cap
15.37
+0.41
+2.74%
Live - 5344 symbols - heartbeat 139s ago
· 2026-10-09 20:02
✦ Quant Financial Health how this is computed
Fair
- Altman Z-Score is 2.85, in the 1.8-3.0 "grey zone".
- Most reliable for industrial/manufacturing companies; less meaningful for banks, insurers and other financials.
Revenue annual, last 8 years
Latest year +40.50% YoY
Margins
- Gross margin
- 59.39%
- Operating margin
- 8.98%
- Net margin
- 9.21%
Key ratios & quality
- PEG ratioi
- 0.63
- Altman Z-Scorei
- 2.85
PEG uses trailing P/E against the 3-year net income growth rate (94.41%/yr) since forward earnings estimates aren't available here, so this is not a "forward PEG." Altman Z-Score below ~1.8 suggests financial distress risk, above ~3.0 suggests low risk; the model is most reliable for industrial/manufacturing companies and less meaningful for banks and other financial firms.
Income statement
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 23.42M | 34.67M | 24.12M | 29.46M | 38.03M | 47.27M | 58.38M | 82.03M |
| Gross profit | 11.40M | 19.24M | 9.30M | 14.71M | 20.95M | 24.14M | 32.20M | 48.72M |
| Selling & admin expenses | 7.84M | 11.66M | 15.09M | 14.95M | 17.70M | 20.28M | 25.18M | 33.04M |
| Research & development | -- | -- | -- | -- | -- | -- | -- | -- |
| Operating profit | 2.47M | 6.10M | -7.91M | -2.74M | 344.34K | -167.26K | 1.02M | 7.36M |
| Pretax profit | 2.58M | 6.54M | -8.25M | -2.71M | 1.14M | 2.36M | 4.14M | 10.03M |
| Tax | 0 | -909.98K | 894.18K | 10.20K | 107.48K | -4.09M | 322.29K | 2.48M |
| Net profit | 2.58M | 7.45M | -9.14M | -2.72M | 1.03M | 6.46M | 3.82M | 7.55M |
| Basic EPS | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Diluted EPS | 0.05 | 0.14 | -0.19 | -0.05 | 0.02 | 0.12 | 0.07 | 0.13 |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Revenue | 18.60M | 19.08M | 21.60M | 22.76M | 28.04M | 28.25M |
| Gross profit | 11.69M | 11.76M | 12.15M | 13.12M | 18.22M | 17.90M |
| Selling & admin expenses | 7.40M | 8.20M | 8.38M | 9.06M | 8.91M | 8.55M |
| Research & development | -- | -- | -- | -- | -- | -- |
| Operating profit | 2.49M | 1.44M | 1.58M | 1.85M | 6.67M | 7.01M |
| Pretax profit | 3.25M | 2.04M | 2.25M | 2.49M | 7.47M | 7.91M |
| Tax | 665.16K | 655.01K | 30.48K | 1.13M | 2.03M | 1.15M |
| Net profit | 2.59M | 1.39M | 2.22M | 1.36M | 5.44M | 6.76M |
| Basic EPS | 0 | 0 | 0 | 0 | 0 | 0 |
| Diluted EPS | 0.05 | 0.02 | 0.04 | 0.02 | 0.09 | 0.11 |
Balance sheet
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Total current assets | 33.17M | 47.88M | 57.96M | 74.33M | 97.72M | 129.18M | 158.84M | 240.06M |
| Cash & ST investments | 5.62M | 9.66M | 7.83M | 7.39M | 9.71M | 16.99M | 10.77M | 21.07M |
| Inventory | -- | -- | -- | -- | -- | -- | -- | -- |
| Total assets | 36.18M | 53.55M | 67.83M | 84.05M | 108.24M | 146.60M | 179.03M | 276.25M |
| Total current liabilities | 27.29M | 34.25M | 50.58M | 67.39M | 88.64M | 119.18M | 146.11M | 216.35M |
| Short-term debt | -- | -- | 320.64K | 340.41K | 361.41K | 383.70K | 448.01K | 751.50K |
| Long-term debt | -- | -- | -- | -- | -- | -- | -- | -- |
| Total liabilities | 27,288,471.00 | 34,246,831.00 | 54,597,441.00 | 71,062,990.00 | 91,950,958.00 | 122,111,468.00 | 148,586,565.00 | 227,763,032.00 |
| Total equity | 8.89M | 19.30M | 13.24M | 12.99M | 16.29M | 24.49M | 30.44M | 48.49M |
| Retained earnings | 579.58K | 8.09M | -1.05M | -3.77M | -2.75M | 3.71M | 7.53M | 15.08M |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Total current assets | 167.15M | 158.71M | 171.30M | 240.06M | 277.35M | 283.03M |
| Cash & ST investments | 6.85M | 11.75M | 7.53M | 21.07M | 20.55M | 27.37M |
| Inventory | -- | -- | -- | -- | -- | -- |
| Total assets | 205.12M | 193.90M | 209.51M | 276.25M | 312.73M | 316.99M |
| Total current liabilities | 155.68M | 143.32M | 152.12M | 216.35M | 248.11M | 248.45M |
| Short-term debt | 472.01K | 490.65K | 583.77K | 751.50K | 871.50K | 890.85K |
| Long-term debt | -- | -- | -- | -- | -- | -- |
| Total liabilities | 165,843,762.00 | 151,688,242.00 | 163,751,280.00 | 227,763,032.00 | 257,712,213.00 | 256,832,860.00 |
| Total equity | 39.27M | 42.21M | 45.76M | 48.49M | 55.01M | 60.16M |
| Retained earnings | 10.11M | 11.50M | 13.72M | 15.08M | 20.52M | 27.28M |
Cash flow
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Operating cash flow | 16.00M | 16.71M | 13.78M | 15.23M | 25.32M | 27.62M | 22.95M | 52.45M |
| Depreciation & amortization | 1.09M | 1.48M | 2.12M | 2.50M | 2.91M | 4.03M | 5.99M | 8.32M |
| Free cash flow | 14.40M | 13.48M | 10.43M | 12.55M | 21.23M | 20.57M | 13.46M | 44.36M |
| Dividends paid | -- | -- | -- | -- | -- | -- | -- | -- |
| Stock buybacks / issuance | -- | 0 | -245.43K | -- | 0 | -1.13M | -495.05K | -375.79K |
| Ending cash balance | 31.67M | 45.57M | 55.93M | 68.67M | 89.90M | 109.35M | 122.34M | 164.98M |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Operating cash flow | -6.03M | 3.64M | 6.75M | 48.09M | 18.79M | 1.30M |
| Depreciation & amortization | 1.80M | 2.12M | 2.19M | 2.21M | 2.64M | 2.34M |
| Free cash flow | -8.48M | 1.83M | 4.57M | 46.43M | 16.71M | -147.45K |
| Dividends paid | -- | -- | -- | -- | -- | -- |
| Stock buybacks / issuance | -375.79K | 0 | 0 | 0 | -199.68K | 199.68K |
| Ending cash balance | 111.49M | 113.91M | 118.55M | 164.98M | 179.50M | 176.48M |
Returns & efficiency
| Line item | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| ROE %i | 36.61 | 52.02 | -55.74 | -20.75 | 7.02 | 31.68 | 13.89 | 19.13 |
| ROA %i | 9.15 | 16.62 | -15.06 | -3.58 | 1.07 | 5.07 | 2.34 | 3.32 |
| ROIC %i | 34.64 | 49.77 | -44.41 | -15.86 | 1.69 | 18.67 | 3.08 | 12.61 |
| 5-year avg ROE %i | 43.15 | 16.13 | 29.07 | 11.46 | 3.83 | 2.84 | -4.78 | 10.19 |
| EBIT margin %i | 10.56 | 17.60 | -32.81 | -9.30 | 0.91 | -0.35 | 1.75 | 8.98 |
| FCF / sales %i | 61.48 | 38.87 | 43.25 | 42.59 | 55.81 | 43.52 | 23.05 | 54.07 |
| Current ratioi | 1.22 | 1.40 | 1.15 | 1.10 | 1.10 | 1.08 | 1.09 | 1.11 |
| Quick ratioi | 0.22 | 0.31 | 0.17 | 0.18 | 0.18 | 0.29 | 0.31 | 0.44 |
| Debt / assetsi | -- | 0.00 | 6.39 | 4.78 | 3.39 | 2.26 | 1.64 | 2.18 |
| LT debt / equityi | -- | -- | 30.32 | 28.28 | 20.33 | 11.96 | 8.15 | 10.88 |
| Interest coveragei | -- | -- | -- | -- | -- | -- | -- | -- |
| Revenue CAGR (3Y) %i | 42.43 | 49.30 | 16.55 | 7.95 | 3.14 | 25.14 | 25.60 | 29.20 |
| Net income CAGR (3Y) %i | -- | 74.59 | -- | -- | -48.34 | -- | -- | 94.41 |
| FCF CAGR (3Y) %i | -- | 59.54 | 22.80 | -4.49 | 16.35 | 25.41 | 2.36 | 27.85 |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| ROE %i | 18.82 | 19.65 | 20.36 | 19.13 | 22.07 | 30.82 |
| ROA %i | 3.22 | 3.61 | 4.02 | 3.32 | 4.02 | 6.17 |
| ROIC %i | 9.38 | 11.47 | 12.35 | 12.61 | 16.36 | 24.23 |
| 5-year avg ROE %i | -- | -- | -- | -- | -- | -- |
| EBIT margin %i | 5.91 | 7.41 | 7.98 | 8.98 | 12.62 | 17.01 |
| FCF / sales %i | -- | -- | 13.14 | 54.07 | 76.03 | 67.13 |
| Current ratioi | 1.07 | 1.11 | 1.13 | 1.11 | 1.12 | 1.14 |
| Quick ratioi | 0.39 | 0.38 | 0.38 | 0.44 | 0.46 | 0.53 |
| Debt / assetsi | 1.38 | 1.40 | 2.90 | 2.18 | 1.89 | 1.80 |
| LT debt / equityi | 6.00 | 5.29 | 12.01 | 10.88 | 9.18 | 8.01 |
| Interest coveragei | -- | -- | -- | -- | -- | -- |
| Revenue CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
| Net income CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
| FCF CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
Revenue breakdown most recent period
Business
Vertically integrated provider of prepaid card products and processing services100.00%
Quote time 2026-10-09 20:02:35 · For reference only, not investment advice and not tailored to your situation.
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