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Upturn AI Summary - About
Paysafe Ltd(PSFE)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for PSFE
10/09/2026: PSFE (1-star) is currently NOT-A-BUY. Pass it for now.
Paysafe Ltd is a global payments platform provider specializing in digital wallets, e-cash, and merchant processing, with a particularly strong niche in regulated iGaming. The company has a leading position in cash-to-online transactions and is capitalizing on the growth of legalized US sports betting. While it benefits from specialized expertise and diverse product offerings, investors must weigh these strengths against significant debt leverage and stiff competition from larger, integrated FinTech players. The primary investment story rests on margin expansion and effective deleveraging. It best suits investors willing to tolerate volatility, and key developments to monitor include successful debt reduction and sustained growth in regulated gaming states.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company has strong vertical positioning but faces challenges regarding organic growth acceleration. |
| Momentum investor | Strong fit while signal remains positive | Momentum investors may find opportunity if the stock demonstrates sustained price strength and improved earnings trends. |
| Value investor | Mixed fit | Valuation has compressed since IPO, but the debt profile requires careful scrutiny. |
| Dividend investor | Weak fit | Paysafe does not pay a dividend, making it unsuitable for income-focused portfolios. |
| Low-risk investor | Weak fit | High leverage and exposure to regulated sectors contribute to significant stock volatility. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | The stock has experienced significant price swings common in the high-growth FinTech sector. |
| Valuation risk | Medium | Market sentiment toward FinTech multiples remains a key factor in price performance. |
| Competition risk (Digital payments) | High | Intense competition from well-capitalized incumbents threatens market share growth. |
| Business quality | Medium | The franchise has strong vertical niches, though integration of legacy systems persists. |
| Dividend income | Low / none | Investors receive no cash distributions from this equity. |
| Execution risk | Medium / high | Successful de-leveraging and technology modernization are critical for long-term value. |
Price Behavior
Downtrend
The stock has experienced a sustained decline in price over recent periods.
Choppy
The stock has experienced frequent reversals and pronounced short-term price swings.
Analysis of Past Performance
Type Stock | Historic Profit -71.45% | Avg. Invested days 24 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/09/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 299.72M USD | Price to earnings Ratio - | 1Y Target Price 8.5 |
Price to earnings Ratio - | 1Y Target Price 8.5 | ||
Volume (30-day avg) 337.2K shares | Beta 1.78 | 52 Weeks Range 5.35 - 12.95 | Updated Date 10/09/2026 |
52 Weeks Range 5.35 - 12.95 | Updated Date 10/09/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) -3.83 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Merchant Solutions | Payment processing fees for online and offline merchants. | They make money when businesses process transactions through their platform. |
| Digital Wallets | Transaction fees and foreign exchange fees from Skrill and NETELLER users. | They earn fees every time users spend or transfer money within their digital wallet ecosystem. |
| eCash | Processing fees from the paysafecard prepaid voucher system. | This is a transaction-based model serving consumers who prefer cash-based online payments. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Valuation
Trailing PE - | Forward PE 3.12 | Enterprise Value 2.66B | Price to Sales(TTM) 0.17 |
Enterprise Value 2.66B | Price to Sales(TTM) 0.17 | ||
Enterprise Value to Revenue 1.51 | Enterprise Value to EBITDA 8.67 | Shares Outstanding 52.22M | Shares Floating 24.53M |
Shares Outstanding 52.22M | Shares Floating 24.53M | ||
Percent Insiders 31.55 | Percent Institutions 57.16 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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