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PSFE 
Paysafe Ltd (PSFE)
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Upturn Advisory Summary
12/09/2025: PSFE (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
7 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $9.27
1 Year Target Price $9.27
| 1 | Strong Buy |
| 0 | Buy |
| 5 | Hold |
| 0 | Sell |
| 1 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -61.52% | Avg. Invested days 27 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 12/09/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 466.07M USD | Price to earnings Ratio - | 1Y Target Price 9.27 |
Price to earnings Ratio - | 1Y Target Price 9.27 | ||
Volume (30-day avg) 7 | Beta 1.85 | 52 Weeks Range 6.43 - 24.11 | Updated Date 12/9/2025 |
52 Weeks Range 6.43 - 24.11 | Updated Date 12/9/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -2.12 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date 2025-11-13 | When - | Estimate 0.7262 | Actual 0.7 |
Profitability
Profit Margin -7.35% | Operating Margin (TTM) 12.02% |
Management Effectiveness
Return on Assets (TTM) 1.7% | Return on Equity (TTM) -15.59% |
Valuation
Trailing PE - | Forward PE 4.62 | Enterprise Value 2762917259 | Price to Sales(TTM) 0.28 |
Enterprise Value 2762917259 | Price to Sales(TTM) 0.28 | ||
Enterprise Value to Revenue 1.64 | Enterprise Value to EBITDA 7.17 | Shares Outstanding 57462927 | Shares Floating 31863768 |
Shares Outstanding 57462927 | Shares Floating 31863768 | ||
Percent Insiders 25.47 | Percent Institutions 53.62 |
Upturn AI SWOT
Paysafe Ltd
Company Overview
History and Background
Paysafe Ltd. (NYSE: PSNY) is a leading global payments platform. It was formed in 2015 through the merger of Skrill and Neteller, two established online payment providers. Paysafe has since grown through strategic acquisitions and organic expansion, establishing itself as a significant player in the digital payments and financial technology sector. It operates a broad range of payment solutions for consumers and businesses.
Core Business Areas
- Digital Wallets: Paysafe's digital wallet segment includes brands like Skrill and NETELLER, offering consumers a secure and convenient way to make online payments, transfer money, and manage their funds. This segment caters to e-commerce, online gaming, and remittance markets.
- Payment Processing: This segment provides merchants with a comprehensive suite of payment solutions, including online payment gateways, point-of-sale (POS) solutions, and fraud prevention services. Paysafe enables businesses to accept a wide range of payment methods globally.
- Paysafe Crypto: Paysafe has been actively involved in the cryptocurrency space, offering services for buying, selling, and holding various cryptocurrencies through its digital wallets and payment platforms.
Leadership and Structure
Paysafe Ltd. is a publicly traded company led by a Board of Directors and a senior management team. Key leadership roles typically include a Chief Executive Officer (CEO), Chief Financial Officer (CFO), and heads of various business units and functional areas. The company is structured around its core business segments to drive innovation and market penetration.
Top Products and Market Share
Key Offerings
- Skrill: A digital wallet that allows users to send money, make payments online, and exchange currencies. It's popular in online gaming and e-commerce. Competitors include PayPal, Stripe, and other digital wallet providers. Market share data for individual products is not publicly disclosed in detail, but Skrill is a significant contributor to Paysafe's Digital Wallets segment.
- NETELLER: Another prominent digital wallet service, similar to Skrill, offering online payments, money transfers, and cryptocurrency trading. It also serves the online gaming and e-commerce sectors. Competitors are the same as for Skrill. NETELLER is another key brand within Paysafe's Digital Wallets segment.
- Paysafe Payment Gateway: A comprehensive online payment processing solution for businesses, enabling them to accept various payment methods, including credit/debit cards, digital wallets, and local payment options. Competitors include Stripe, Adyen, Square, and PayPal. This is a core offering in the Payment Processing segment, with significant revenue contribution.
- Paysafecard: A prepaid payment method that allows consumers to pay online using a voucher code, offering an alternative to credit cards or bank transfers. It's particularly strong in Europe. Competitors include other prepaid voucher providers and cash payment methods. This product contributes to Paysafe's broader payment solutions.
Market Dynamics
Industry Overview
The global digital payments industry is experiencing rapid growth, driven by increasing e-commerce penetration, the rise of mobile payments, and the demand for seamless online transactions. Fintech innovation, cryptocurrency adoption, and evolving regulatory landscapes are key trends shaping the industry. The market is highly competitive with both established players and emerging disruptors.
Positioning
Paysafe Ltd. is positioned as a global payments platform provider, offering a diverse range of payment solutions for both consumers and businesses. Its strengths lie in its established brands, global reach, and a broad product portfolio covering digital wallets, payment processing, and prepaid solutions. Paysafe aims to be a comprehensive solution provider in the evolving digital payments ecosystem.
Total Addressable Market (TAM)
The total addressable market for digital payments is vast and continues to expand, estimated to be in the trillions of dollars globally. Paysafe Ltd. is positioned to capture a portion of this market through its diverse offerings and global presence, serving both the consumer (via wallets) and merchant (via processing) segments.
Upturn SWOT Analysis
Strengths
- Strong brand recognition for key products like Skrill and NETELLER.
- Diversified revenue streams across consumer and merchant solutions.
- Global operational presence and established merchant relationships.
- Expertise in niche markets such as online gaming and cryptocurrencies.
- Robust technological infrastructure for payment processing.
Weaknesses
- Intense competition from larger, more diversified fintech companies.
- Reliance on certain payment corridors and regulatory environments.
- Potential challenges in fully integrating acquired businesses.
- Brand perception may be less mainstream compared to some competitors.
Opportunities
- Continued growth in e-commerce and mobile payments.
- Expansion into emerging markets with increasing digital payment adoption.
- Leveraging cryptocurrency trends and developing further blockchain-related services.
- Strategic partnerships and acquisitions to enhance service offerings.
- Increasing demand for integrated payment solutions by businesses.
Threats
- Increasing regulatory scrutiny and compliance burdens in the financial sector.
- Cybersecurity risks and data breaches.
- Disruptive technologies and new market entrants.
- Economic downturns impacting consumer spending and business transactions.
- Intensifying price competition among payment providers.
Competitors and Market Share
Key Competitors
- PayPal Holdings, Inc. (PYPL)
- Stripe, Inc.
- Adyen N.V. (ADYEN.AS)
- Square, Inc. (SQ)
Competitive Landscape
Paysafe operates in a highly competitive landscape. Its advantages lie in its established digital wallet brands and comprehensive processing solutions. However, it faces strong competition from larger, more diversified players like PayPal and Stripe, which have extensive customer bases and broader product ecosystems. Paysafe's ability to differentiate through specialized services and niche market focus is crucial.
Major Acquisitions
i-Serve
- Year: 2019
- Acquisition Price (USD millions):
- Strategic Rationale: Acquired to enhance Paysafe's digital wallet capabilities and expand its reach in specific markets.
Olyseum
- Year: 2020
- Acquisition Price (USD millions):
- Strategic Rationale: Acquired to strengthen Paysafe's position in the gaming sector and expand its offerings for gamers.
Phoenix
- Year: 2022
- Acquisition Price (USD millions): 470
- Strategic Rationale: Acquisition of a leading payment processor to bolster Paysafe's merchant services and expand its product suite, particularly in areas like acquiring and payment orchestration.
Growth Trajectory and Initiatives
Historical Growth: Paysafe has demonstrated historical growth through a combination of organic expansion of its existing services and strategic acquisitions to broaden its market reach and capabilities. The company has navigated evolving payment trends to maintain its competitive position.
Future Projections: Future growth is expected to be driven by the continued expansion of e-commerce, increasing adoption of digital payments globally, and the company's ability to innovate and adapt to new technologies, including potential growth in cryptocurrency services and B2B payment solutions. Analyst projections vary and should be consulted for specific estimates.
Recent Initiatives: Recent initiatives likely include investments in platform modernization, expansion into new geographic markets, development of new product features, and potential strategic partnerships or bolt-on acquisitions to strengthen its service portfolio and market position.
Summary
Paysafe Ltd. is a global payments platform with strong digital wallet brands and comprehensive merchant processing services. The company benefits from growth in e-commerce and digital payments. However, it faces intense competition from larger fintech players. Paysafe needs to continuously innovate, expand its market reach, and manage regulatory complexities to sustain its growth trajectory.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Paysafe Ltd. Investor Relations
- Financial News Outlets (e.g., Bloomberg, Reuters)
- Market Research Reports (Industry Estimates)
- SEC Filings (10-K, 10-Q)
Disclaimers:
This analysis is based on publicly available information and industry estimates. Market share data and financial metrics are subject to change and may not be exhaustive. This is not financial advice, and investors should conduct their own due diligence before making investment decisions.
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 Paysafe Ltd
Exchange NYSE | Headquaters - | ||
IPO Launch date 2020-10-09 | CEO & Executive Director Mr. Bruce F. Lowthers CPA | ||
Sector Technology | Industry Software - Infrastructure | Full time employees 3300 | Website https://www.paysafe.com |
Full time employees 3300 | Website https://www.paysafe.com | ||
Paysafe Limited provides end-to-end payment solutions in the United States, Germany, the United Kingdom, and internationally. The company operates through two segments, Merchant Solutions and Digital Wallets. Its payments platform offers a range of payment solutions comprising credit and debit card processing, digital wallet, eCash, and real-time banking solutions for entertainment verticals, such as iGaming, including online betting related to sports, e-sports, fantasy sports, poker, and other casino games, as well as travel, streaming/video gaming, retail/hospitality, and digital assets. The Merchant Solutions segment offers PCI-compliant payment acceptance and transaction processing solutions for merchants and integrated service providers, including merchant acquiring, transaction processing, gateway solutions, fraud and risk management tools, data and analytics, point of sale systems, and merchant financing solutions, as well as comprehensive support services under the Paysafe and Petroleum Card Services brands. The Digital Wallets segment offers digital wallet solutions under the Skrill, NETELLER, paysafecard, and Paysafecash brands; and pay-by-bank solutions under the Rapid Transfer brand. It provides eCash solutions under the paysafecard and Paysafecash brands; paysafecard prepaid Mastercard that can be linked to a digital paysafecard account and used to make purchases; Safetypay, a platform that enables eCommerce transactions; and PagoEfectivo, an alternative payment platform. The company is based in London, the United Kingdom.
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