Paysign, Inc.
PAYSTechnologyNASDAQSoftware - Infrastructure
Scan Results
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 $433.3M 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
$433.3M
Beta
0.72
P/E (TTM)
45.59
P/E (Fwd)
17.75
EPS (TTM)
$0.17
EPS (Fwd)
$0.44
ROE
22.1%
ROA
2.7%
Cash
$20.5M
Total Debt
$5.9M
Free CF
$8.8M
52W Change
79.0%
Annual Financials
Cash vs Debt
The balance sheet looks solid with $20.5M in cash comfortably exceeding the $5.9M debt load. A net cash position generally provides financial flexibility during uncertain economic periods. The company generates $8.8M in free cash flow annually, which funds everything from R&D to shareholder returns without needing external financing. Return on equity stands at 22.1%, which is strong for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. ROA of 2.7% 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. It is important to consider these factors alongside broader market conditions and individual financial goals when reviewing PAYS.