PAYS
Neutral signalScored 2026-09-22 Drivers: trend, fundamentals. Moteurs : tendance, fondamentaux.
Research, not advice.
À propos
Paysign, Inc.
- Nom
- Paysign, Inc.
- Secteur
- Industrials
- Industrie
- Specialty Business Services
- Bourse
- NASDAQ
- Capitalisation
- $804.6M
- Employés
- 226
- PDG
- Mark Newcomer
- Site web
- https://www.paysign.com
- Marché
- FLYWGDOTPMTSRPAYUSIO
Paysign, Inc. provides prepaid card programs, comprehensive patient affordability offerings, digital banking services, and integrated payment processing services for businesses, consumers, and government institutions. 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. The company markets its prepaid card solutions under the Paysign brand. It 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.
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
VENTE TOTALE: 59 904 titres (~716 899,36 $ US)
- Insiders
- Herman Joan M
- Total bought
-
—
Avg buy (VWAP, 90d window) —
- Total sold
-
$3,408,876
Avg sell (VWAP, 90d window) $11.56 vs last close $12.67 (+9.6%)
Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.
$2,967,239 of that total is under a Rule 10b5-1 plan. It is shown here and left out of the score.
- Last activity
- 2026-09-16
- Liquidity
- Thin $9,886,709/day · 20d vol
- Last synced
-
2026-09-23 21:10:48
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-10-09 | Newcomer Mark | Sell · S · 10b5-1 | 50,000 | $15.34 | $766,895 | Form 4 |
| 2026-09-16 | Herman Joan M | Sell · S · 10b5-1 | 38,900 | $11.74 | $456,830 | Form 4 |
| 2026-09-15 | Herman Joan M | Sell · S · 10b5-1 | 21,004 | $12.38 | $260,069 | Form 4 |
| 2026-08-12 | Baker Jeffery Bradford | Sell · S | 35,000 | $12.62 | $441,637 | Form 4 |
| 2026-08-06 | Newcomer Mark | Sell · S · 10b5-1 | 150,000 | $11.88 | $1,781,355 | Form 4 |
| 2026-07-29 | Newcomer Mark | Sell · S · 10b5-1 | 50,000 | $9.38 | $468,985 | Form 4 |
| 2026-06-11 | Mina Bruce A | Sell · S | 10,000 | $7.09 | $70,950 | Form 4 |
| 2026-06-01 | Cunningham Bradley Kramer | Sell · S | 3,000 | $7.80 | $23,400 | Form 4 |
| 2026-06-01 | Mina Bruce A | Sell · S | 10,000 | $7.10 | $71,000 | Form 4 |
| 2026-05-29 | Cunningham Bradley Kramer | Sell · S | 10,000 | $7.30 | $73,020 | Form 4 |
| 2026-02-03 | Turner Matthew Baker | Sell · S | 15,057 | $4.16 | $62,637 | Form 4 |
Sales marked 10b5-1 are scheduled in advance and don't count toward the Quorum score. Les ventes marquées 10b5-1 sont planifiées à l'avance et ne pèsent pas dans le score Quorum.
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Signal
Neutral signalScored 2026-09-22 Drivers: trend, fundamentals. Moteurs : tendance, fondamentaux.
PAYS exhibits strong financial health with solid profitability momentum, high free cash flow conversion, and a robust liquidity score (80/85), supported by a meaningful earnings catalyst including record Q2 revenue, a…
The first sentence of the analysis written for PAYS on 2026-09-22 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Pulls against a bullish reading. Selling cluster — sale value, no purchase value
- Congress Unavailable or mixed. No purchase disclosures in the stored window
- Narrative Supports a bullish reading. Stored narrative reading is in the bullish band
- Timing Supports a bullish reading. Interesting trend — weekly bias up
- Financial indicators Unavailable or mixed. Current ratio 1.11 · operating margin 8.8%
Suggested stop 11.74, nearest stored support minus 0.5 ATR(7.3% under the last close). Reward/risk to the next stored resistance is 1.11. Wait — that reward/risk is under 2. Research, not advice. Not an order.
Market snapshot
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 49.2% | 55.1% | 51.1% | 55.1% | 49.9% | |
| Ebit Margin | 12.2% | 7.1% | 5.0% | -0.3% | -12.3% | |
| Ebitda Margin | 22.4% | 17.4% | 13.5% | 7.3% | -3.8% | |
| Operating Profit Margin | 8.8% | 1.7% | -0.4% | 0.9% | -9.3% | |
| Pretax Profit Margin | 12.2% | 7.1% | 5.0% | 3.0% | -9.2% | |
| Continuous Operations Profit Margin | 9.2% | 6.5% | 13.7% | 2.7% | -9.2% | |
| Net Profit Margin | 9.2% | 6.5% | 13.7% | 2.7% | -9.2% | |
| Bottom Line Profit Margin | 9.2% | 6.5% | 13.7% | 2.7% | -9.2% | |
| Current Ratio | 1.110 | 1.087 | 1.084 | 1.102 | 1.103 | |
| Quick Ratio | 1.110 | 1.087 | 1.084 | 1.102 | 1.103 | |
| Solvency Ratio | 0.070 | 0.066 | 0.086 | 0.043 | -0.003 | |
| Cash Ratio | 0.097 | 0.074 | 0.143 | 0.110 | 0.110 | |
| Price To Earnings Ratio | 36.786 | 42.120 | 23.333 | 130.303 | -29.963 | |
| Price To Earnings Growth Ratio | 0.386 | -1.046 | 0.046 | -0.951 | 0.417 | |
| Forward Price To Earnings Growth Ratio | 0.386 | -1.046 | 0.046 | -0.951 | 0.417 | |
| Price To Earnings Diluted Ratio | 39.615 | 44.023 | 23.333 | 132.990 | -29.963 | |
| Price To Earnings Diluted Growth Ratio | 0.443 | -1.028 | 0.045 | -0.976 | 0.417 | |
| Price To Book Ratio | 5.780 | 5.279 | 6.002 | 8.242 | 6.280 | |
| Price To Sales Ratio | 3.417 | 2.752 | 3.109 | 3.531 | 2.768 | |
| Price To Free Cash Flow Ratio | 5.470 | 11.940 | 7.144 | 6.326 | 6.500 | |
| Price To Operating Cash Flow Ratio | 5.344 | 7.002 | 5.321 | 5.304 | 5.356 | |
| Debt To Assets Ratio | 0.051 | 0.016 | 0.023 | 0.034 | 0.048 | |
| Debt To Equity Ratio | 0.289 | 0.096 | 0.135 | 0.225 | 0.309 | |
| Debt To Capital Ratio | 0.224 | 0.088 | 0.119 | 0.184 | 0.236 | |
| Long Term Debt To Capital Ratio | 0.112 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Financial Leverage Ratio | 5.697 | 5.881 | 5.987 | 6.643 | 6.472 | |
| Working Capital Turnover Ratio | 4.502 | 5.138 | 4.957 | 4.750 | 4.117 | |
| Operating Cash Flow Ratio | 0.242 | 0.157 | 0.232 | 0.286 | 0.226 | |
| Operating Cash Flow Sales Ratio | 0.639 | 0.393 | 0.584 | 0.666 | 0.517 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.977 | 0.586 | 0.745 | 0.838 | 0.824 | |
| Debt Service Coverage Ratio | 6.070 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Interest Coverage Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Short Term Operating Cash Flow Coverage Ratio | 20.061 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Operating Cash Flow Coverage Ratio | 3.739 | 7.837 | 8.340 | 6.893 | 3.794 | |
| Capital Expenditure Coverage Ratio | 43.382 | 2.418 | 3.919 | 6.188 | 5.683 | |
| Dividend Paid And Capex Coverage Ratio | 43.382 | 2.418 | 3.919 | 6.188 | 5.683 | |
| Dividend Payout Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Enterprise Value Multiple | 14.890 | 15.084 | 20.857 | 45.898 | -69.937 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 49.2% | ▼-5.9% | ▼-2.9% |
| Ebit Margin | 12.2% | ▲5.1% | ▲9.9% |
| Ebitda Margin | 22.4% | ▲5.0% | ▲11.0% |
| Operating Profit Margin | 8.8% | ▲7.1% | ▲8.5% |
| Pretax Profit Margin | 12.2% | ▲5.1% | ▲8.6% |
| Continuous Operations Profit Margin | 9.2% | ▲2.7% | ▲4.6% |
| Net Profit Margin | 9.2% | ▲2.7% | ▲4.6% |
| Bottom Line Profit Margin | 9.2% | ▲2.7% | ▲4.6% |
| Current Ratio | 1.110 | ▲0.022 | ▲0.012 |
| Quick Ratio | 1.110 | ▲0.022 | ▲0.012 |
| Solvency Ratio | 0.070 | ▲0.004 | ▲0.017 |
| Cash Ratio | 0.097 | ▲0.024 | ▼-0.009 |
| Price To Earnings Ratio | 36.786 | ▼-5.334 | ▼-3.730 |
| Price To Earnings Growth Ratio | 0.386 | ▲1.433 | ▲0.616 |
| Forward Price To Earnings Growth Ratio | 0.386 | ▲1.433 | ▲0.616 |
| Price To Earnings Diluted Ratio | 39.615 | ▼-4.408 | ▼-2.385 |
| Price To Earnings Diluted Growth Ratio | 0.443 | ▲1.470 | ▲0.662 |
| Price To Book Ratio | 5.780 | ▲0.502 | ▼-0.536 |
| Price To Sales Ratio | 3.417 | ▲0.665 | ▲0.302 |
| Price To Free Cash Flow Ratio | 5.470 | ▼-6.469 | ▼-2.006 |
| Price To Operating Cash Flow Ratio | 5.344 | ▼-1.659 | ▼-0.321 |
| Debt To Assets Ratio | 0.051 | ▲0.034 | ▲0.017 |
| Debt To Equity Ratio | 0.289 | ▲0.193 | ▲0.078 |
| Debt To Capital Ratio | 0.224 | ▲0.137 | ▲0.054 |
| Long Term Debt To Capital Ratio | 0.112 | ▲0.112 | ▲0.090 |
| Financial Leverage Ratio | 5.697 | ▼-0.184 | ▼-0.439 |
| Working Capital Turnover Ratio | 4.502 | ▼-0.636 | ▼-0.190 |
| Operating Cash Flow Ratio | 0.242 | ▲0.085 | ▲0.014 |
| Operating Cash Flow Sales Ratio | 0.639 | ▲0.246 | ▲0.080 |
| Free Cash Flow Operating Cash Flow Ratio | 0.977 | ▲0.391 | ▲0.183 |
| Debt Service Coverage Ratio | 6.070 | ▲6.070 | ▲4.856 |
| Interest Coverage Ratio | 0.000 | 0.000 | 0.000 |
| Short Term Operating Cash Flow Coverage Ratio | 20.061 | ▲20.061 | ▲16.049 |
| Operating Cash Flow Coverage Ratio | 3.739 | ▼-4.098 | ▼-2.382 |
| Capital Expenditure Coverage Ratio | 43.382 | ▲40.964 | ▲31.064 |
| Dividend Paid And Capex Coverage Ratio | 43.382 | ▲40.964 | ▲31.064 |
| Dividend Payout Ratio | 0.000 | 0.000 | 0.000 |
| Enterprise Value Multiple | 14.890 | ▼-0.194 | ▲9.531 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $280.3M | $160.7M | $147.0M | $134.3M | $81.6M | |
| Enterprise value | $273.3M | $152.8M | $133.3M | $128.2M | $78.2M | |
| EV / Sales | 3.33x | 2.62x | 2.82x | 3.37x | 2.65x | |
| EV / Op. cash flow | 5.21x | 6.66x | 4.83x | 5.07x | 5.13x | |
| EV / Free cash flow | 5.33x | 11.36x | 6.48x | 6.04x | 6.23x | |
| EV / EBITDA | 14.89x | 15.08x | 20.86x | 45.90x | -69.94x | |
| Net debt / EBITDA | -0.38x | -0.77x | -2.14x | -2.16x | 3.02x | |
| Current ratio | 1.11x | 1.09x | 1.08x | 1.10x | 1.10x | |
| Income quality | 6.95x | 6.01x | 4.28x | 24.63x | -5.60x | |
| Graham number | $2 | $1 | $1 | $0 | — | |
| Graham net-net | -$3 | -$2 | -$2 | -$2 | -$1 | |
| Tax burden | 75.3% | 92.2% | 273.2% | 90.5% | 100.4% | |
| Interest burden | 100.0% | 100.0% | 100.0% | -983.6% | 75.0% | |
| Working capital | $23.7M | $12.7M | $10.0M | $9.1M | $6.9M | |
| Invested capital | $58.2M | $28.9M | $23.1M | $19.6M | $16.7M | |
| Return on assets | 2.7% | 2.1% | 4.4% | 0.9% | -3.2% | |
| Operating ROA | 3.2% | 0.6% | -0.1% | 0.4% | -3.6% | |
| Return on tangible assets | 3.0% | 2.3% | 4.7% | 1.0% | -3.4% | |
| Return on equity | 15.6% | 12.5% | 26.4% | 6.3% | -21.0% | |
| Return on invested capital | 8.7% | 2.8% | -0.6% | 1.6% | -16.1% | |
| Return on capital employed | 12.1% | 3.1% | -0.6% | 1.8% | -16.4% | |
| Earnings yield | 2.7% | 2.4% | 4.4% | 0.8% | -3.3% | |
| Free cash flow yield | 18.3% | 8.4% | 14.0% | 15.8% | 15.4% | |
| Capex / Op. cash flow | 2.3% | 41.4% | 25.5% | 16.2% | 17.6% | |
| Capex / Depreciation | 14.5% | 158.3% | 175.1% | 140.6% | 107.3% | |
| Capex / Sales | 1.5% | 16.3% | 14.9% | 10.8% | 9.1% | |
| SG&A / Sales | 40.4% | 43.1% | 42.9% | 47.7% | 53.7% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 5.2% | 4.5% | 6.0% | 6.0% | 7.7% | |
| Intangibles / Total assets | 9.7% | 6.8% | 6.0% | 5.2% | 4.9% | |
| Days sales outstanding | 325d | 214d | 125d | 45d | 42d | |
| Days payables outstanding | 618d | 478d | 418d | 173d | 143d | |
| Operating cycle | 325d | 214d | 125d | 45d | 42d | |
| Cash conversion cycle | -293d | -264d | -293d | -128d | -101d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Change over 5 years
Employee count
Peer market caps
Recent news
- 2026-09-03 BlackRock Inc. Buys Shares of 3,079,208 Paysign, Inc. $PAYS BlackRock Inc. bought a new position in Paysign, Inc. (NASDAQ: PAYS) during the undefined quarter, according to its most recent Form 13F filing with the Securities and Exchange Commission (SEC). The firm bought 3,079,208 shares of the company''s stock, valued at approximately $25,219,000. BlackRock Inc. owned about 5.51% of Paysign as of its
- 2026-08-28 Paysign Targets $117M Revenue as Patient-Affordability Business Surges Paysign NASDAQ: PAYS operates in two healthcare-focused businesses: payment services for plasma donors and pharmaceutical patient-affordability programs, Chief Financial Officer Jeff Baker said during a company presentation.
- 2026-08-26 Paysign (PAYS) is an Incredible Growth Stock: 3 Reasons Why Paysign (PAYS) is well positioned to outperform the market, as it exhibits above-average growth in financials.
- 2026-08-26 Paysign (PAYS) Upgraded to Buy: What Does It Mean for the Stock? Paysign (PAYS) has been upgraded to a Zacks Rank #2 (Buy), reflecting growing optimism about the company''s earnings prospects. This might drive the stock higher in the near term.
- 2026-08-13 Are Business Services Stocks Lagging Paysign (PAYS) This Year? Here is how Paysign, Inc. (PAYS) and Sezzle Inc. (SEZL) have performed compared to their sector so far this year.
- 2026-08-13 Paysign, Inc. $PAYS Shares Acquired by Dimensional Fund Advisors LP Dimensional Fund Advisors LP increased its stake in shares of Paysign, Inc. (NASDAQ: PAYS) by 16.8% in the first quarter, according to the company in its most recent 13F filing with the Securities and Exchange Commission. The institutional investor owned 575,619 shares of the company''s stock after purchasing an additional 82,736 shares during
- 2026-08-10 3 Reasons Growth Investors Will Love Paysign (PAYS) Paysign (PAYS) is well positioned to outperform the market, as it exhibits above-average growth in financials.
- 2026-08-06 Paysign Q2 Earnings Call Highlights Paysign NASDAQ: PAYS reported record second-quarter revenue, net income and adjusted EBITDA for 2026, driven primarily by continued expansion in its Patient Affordability business and improving utilization in its plasma donor compensation operations.
- 2026-08-05 Paysign, Inc. (PAYS) Q2 2026 Earnings Call Transcript Paysign, Inc. (PAYS) Q2 2026 Earnings Call Transcript
- 2026-08-05 Paysign Reports Record Second Quarter 2026 Revenue of $28.3 Million, Up 48%; Raises Full-Year Outlook HENDERSON, Nev.--(BUSINESS WIRE)--Paysign, Inc. (NASDAQ: PAYS), a leading provider of prepaid card programs, comprehensive pharma patient affordability offerings, financial technology products and integrated payment processing, today announced financial results for the second quarter 2026. “Paysign delivered a strong second quarter, achieving record revenue, net income, and adjusted EBITDA while continuing to expand margins,” said Mark Newcomer, President and CEO of Paysign. “Strong growth in o.