Paysign, Inc.
PAYSTechnologyNASDAQSoftware - Infrastructure · Last scanned Oct 24, 2026
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Daily timeframePaysign, Inc. provides prepaid card programs, patient affordability offerings, digital banking, life science software technology solutions, and integrated payment processing services for businesses, consumers, and. The $842.4M market capitalization puts PAYS squarely in small-cap range for its industry. 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.
Market Cap
$842.4M
Beta
0.83
P/E (TTM)
57.38
P/E (Fwd)
24.26
EPS (TTM)
$0.26
EPS (Fwd)
$0.61
ROE
30.8%
ROA
4.3%
Cash
$27.4M
Total Debt
$5.7M
Free CF
$14.3M
52W Change
151.2%
Annual Financials
Cash vs Debt
Where PAYS stands vs its 150-day and 200-day moving averages
As of the October 16, 2026 close, PAYS finished 72.57% above its 150-day moving average ($9.04) and 100.26% above its 200-day moving average ($7.79). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is PAYS overbought or oversold?
At the October 16, 2026 close, PAYS's RSI(14) was 78.6, in overbought territory (above 70). The MACD histogram was positive, so short-term momentum leaned bullish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
With $27.4M in cash and $5.7M in debt, PAYS maintains more liquidity than leverage. This favorable balance sheet position can be an asset when capital markets become less accommodating. Annual free cash flow of $14.3M supports ongoing capital allocation decisions and provides a cushion against unexpected expenses or downturns. Return on equity stands at 30.8%, which is exceptionally high for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. ROA of 4.3% is on the lower side, which is common in asset-heavy industries. Revenue has grown from $38.0M (2022) to $82.0M (2025), reflecting a 116% increase over the period.
The strong cash position relative to debt provides a financial cushion that reduces balance sheet risk. At over 50x earnings, PAYS carries valuation risk — any slowdown in growth expectations could lead to meaningful price adjustments. It is important to consider these factors alongside broader market conditions and individual financial goals when reviewing PAYS.