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PAYS 
Paysign Inc (PAYS)
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Upturn Advisory Summary
11/07/2025: PAYS (4-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Number of Analysts
5 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $9.1
1 Year Target Price $9.1
| 3 | Strong Buy |
| 2 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 245.82% | Avg. Invested days 48 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 11/07/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 276.07M USD | Price to earnings Ratio 42.25 | 1Y Target Price 9.1 |
Price to earnings Ratio 42.25 | 1Y Target Price 9.1 | ||
Volume (30-day avg) 5 | Beta 0.93 | 52 Weeks Range 1.80 - 8.88 | Updated Date 11/9/2025 |
52 Weeks Range 1.80 - 8.88 | Updated Date 11/9/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.12 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-11-11 | When - | Estimate 0.0275 | Actual - |
Profitability
Profit Margin 9.9% | Operating Margin (TTM) 7.54% |
Management Effectiveness
Return on Assets (TTM) 1.69% | Return on Equity (TTM) 19.65% |
Valuation
Trailing PE 42.25 | Forward PE 32.89 | Enterprise Value 331292840 | Price to Sales(TTM) 4.03 |
Enterprise Value 331292840 | Price to Sales(TTM) 4.03 | ||
Enterprise Value to Revenue 4.83 | Enterprise Value to EBITDA 27 | Shares Outstanding 54451888 | Shares Floating 29132305 |
Shares Outstanding 54451888 | Shares Floating 29132305 | ||
Percent Insiders 37.35 | Percent Institutions 39.72 |
Upturn AI SWOT
Paysign Inc
Company Overview
History and Background
PaySign, Inc. (PAYS) was founded in 1995 as 3SI Security Systems, Inc. and changed its name to PaySign, Inc. in 2014. Initially focused on security systems, it transitioned to prepaid card solutions, focusing on payments for plasma donation centers, pharmacies, and other sectors. Over time, the company has expanded its technology platform and services to cater to a broader range of industries.
Core Business Areas
- Payment Solutions: Offers prepaid card solutions for various industries, including plasma donation centers, pharmaceutical companies, and employee incentive programs. Services include card processing, reporting, and program management.
- Data Processing: Provides data processing services, including transaction processing and data analytics to support prepaid card programs.
- Other Services: Includes other services related to payment processing and program management.
Leadership and Structure
Mark Newcomer serves as the CEO. The company has a board of directors overseeing its operations. The structure consists of key departments such as sales, marketing, technology, and finance, with several layers of management.
Top Products and Market Share
Key Offerings
- Market Share: Paysign captures a significant market share in the Plasma Payment Solutions space, but exact figures can vary based on data source and calculation methodology.
- Plasma Payment Solutions: Prepaid cards and related services for plasma donation centers. Paysign is a major player in this sector. Competitors include Global Payments (GPN), Shift4 (FOUR), and various smaller processors, though Paysign has carved a niche in this sector.
- Patient Affordability Solutions: Programs designed to help patients afford medications through copay assistance cards and related services. Competitors include ConnectiveRx and TrialCard.
- Incentive and Payroll Solutions: Prepaid cards for employee incentives, rewards, and payroll distribution. Competitors include Blackhawk Network (HAWK), and various gift card and incentive program providers.
Market Dynamics
Industry Overview
The prepaid card industry is experiencing steady growth, driven by the increasing adoption of digital payments and the need for secure and convenient payment solutions. Trends include increased use of mobile payment apps and digital wallets. The industry has an increasingly complex regulatory environment.
Positioning
PaySign is positioned as a technology-driven payment solutions provider focused on niche markets, particularly the plasma donation and patient affordability sectors. The competitive advantage is its specialized platform and tailored services for these industries.
Total Addressable Market (TAM)
The TAM for prepaid card solutions is estimated to be in the billions of dollars. Paysign is positioned to capture a larger share through further market penetration within its existing niche and expansion into adjacent markets.
Upturn SWOT Analysis
Strengths
- Strong position in niche markets (plasma donation centers)
- Proprietary technology platform
- Recurring revenue model
- Experienced management team
Weaknesses
- Reliance on specific industries
- Smaller size compared to major payment processors
- Potential for customer concentration
- Limited brand recognition outside target markets
Opportunities
- Expansion into new industries
- Strategic partnerships and acquisitions
- Increased adoption of digital payments
- Development of new product offerings
Threats
- Increased competition from larger payment processors
- Changes in regulations impacting the prepaid card industry
- Economic downturn affecting plasma donation rates
- Technological disruptions and changing consumer preferences
Competitors and Market Share
Key Competitors
- GPN
- FIS
- FOUR
Competitive Landscape
PaySignu2019s competitive advantages include its specialized solutions for niche markets and its proprietary technology platform. Disadvantages include its smaller size compared to major payment processors and limited brand recognition outside target markets.
Growth Trajectory and Initiatives
Historical Growth: PaySign has experienced revenue growth in recent years, driven by increased adoption of its prepaid card solutions and expansion into new markets.
Future Projections: Future growth projections are based on analyst estimates, which anticipate continued revenue growth and profitability improvements.
Recent Initiatives: Recent initiatives include expanding partnerships with plasma donation centers, launching new patient affordability programs, and enhancing its technology platform.
Summary
Paysign shows promise with its niche focus and proprietary tech, but its smaller size and industry reliance pose risks. The company's strengths lie in specialized solutions, while weaknesses involve market dependency. Success depends on strategic expansion and weathering industry shifts. Paysign must watch for increased competition and regulatory changes.
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Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports
- Industry Publications
Disclaimers:
The data provided is for informational purposes only and should not be considered investment advice. Market share data is based on estimates and may vary. Financial data is not up to date and can not be accurately provided
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Paysign Inc
Exchange NASDAQ | Headquaters Henderson, NV, United States | ||
IPO Launch date 1998-04-02 | Co-Founder, President & CEO Mr. Mark R. Newcomer | ||
Sector Technology | Industry Software - Infrastructure | Full time employees 173 | Website https://www.paysign.com |
Full time employees 173 | Website https://www.paysign.com | ||
Paysign, Inc. provides prepaid card programs, comprehensive patient affordability offerings, digital banking services, and integrated payment processing services for businesses, consumers, and government institutions. It 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. The company also operates a customer service center; and offers a communication suite, including a kiosk, mobile app, two-way SMS, text alerts, and cardholder web portal. It markets its prepaid card solutions under the Paysign brand. 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.
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