Stock fact sheet · data as of
Paysign, Inc. (PAYS): fair value, margin of safety and Wheel Score
Industrials · Specialty Business Services · United States · High Growth
Is PAYS undervalued?
PAYS closed at 15.16 on 16 Oct 2026, which is 23% above the GLS average fair value of 12.37 from 8 models. 5 of them value the shares below today's price. Our screens read that as "no margin of safety": the stock is not a value candidate at this price, whatever the quality numbers say.
There is a wide gap between DCF (1.63) and Payback Time (27.95). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
The nightly engine files PAYS under High Growth: revenue and earnings growing fast enough that the growth-based models carry the valuation.
Nine valuation models for PAYS
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 1.63 | -89% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 2.62 | -83% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 14.26 | -6% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 6.09 | -60% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 17.29 | +14% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 26.03 | +72% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 27.95 | +84% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | - | - | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend; no value tonight |
| EPV | 3.14 | -79% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | 0.2177 | -99% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 15.00 | -1% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Paysign, Inc. scores 6 of 9 on the Piotroski F-score: a middling result that passes the Sunday Scan's "6 or more" rule. Some of the nine tests on profitability, leverage and efficiency are failed, so the accounts are worth a look before selling a put on the name. On durability PAYS scores 6.4/10 on the GLS Moat - a middle reading; the Scorecard on the Quote page's Financials tab shows which ten-year lines are steady and which are not.
Returns on capital are high - ROIC 12.1%, ROE 15.6%, ROA 2.7% - with debt at 0.29 times equity and a free-cash-flow yield of 7.8%.
Paysign, Inc. pays no dividend, so the DDM model does not apply and a covered-call holder earns only the premium and any price gain. Revenue comes mainly from Pharma Industry 52%, Plasma Industry 46%, Other Revenue 2% (quarter Q2 FY2026).
Institutional ownership scores 7/10, insider activity 1/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 6 / 9 | ROIC | 12.1% |
|---|---|---|---|
| GLS Moat | 6.4 / 10 | ROE | 15.6% |
| Debt / equity | 0.29 | ROA | 2.7% |
| Free-cash-flow yield | 7.8% | Payout ratio | 0% |
| Institutions | 7 / 10 | Insiders · Congress | 1 · 5 / 10 |
Wheel Score 56: Fair
A Wheel Score of 56 puts Paysign, Inc. in the Fair band - below the 70 the Sunday Scan requires. Value 3/25, Health 13/20, Moat 10/15, Premium 16/20 and Stability 13/20; the weakest part is Value (3/25).
Implied volatility is 75% on the near-the-money contracts 20-60 days out - above the 60% ceiling of the sweet spot. Premiums are large, but the Wheel Score tapers the Premium points (16 of 20) because volatility this high usually comes with a reason. Chain open interest is 9,595 contracts across all expiries - enough for the wheel at normal size.
Volume runs at 825k shares a day on a market cap of $856M, with a beta of 0.83; the Stability part of the Wheel Score gives that 13 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 3 / 25 | -23% margin of safety | |
| Health | 13 / 20 | Piotroski 6/9 | |
| Moat | 10 / 15 | moat 6.4/10 | |
| Premium | 16 / 20 | implied volatility 75% | |
| Stability | 13 / 20 | 825k shares/day, $856M cap, beta 0.83 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
The next earnings report is due on 9 Nov 2026 (after the close), 24 days away; a 30-45-day put sold today would expire after it, which is worth weighing against the premium.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Specialty Business Services
The 12 companies below are the closest to Paysign, Inc. by market cap within the Specialty Business Services industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
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|---|---|---|---|---|---|
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| CASS Cass Information Systems, Inc. | 54.29 | 56.98 | +5% | 62Fair | $695M |
| EBF Ennis, Inc. | 22.42 | 23.60 | +5% | 53Fair | $568M |
| BUUU BUUU Group Ltd | 43.49 | 1.54 | -2720% | 20No options | $509M |
| QUAD Quad/Graphics, Inc. | 9.29 | 10.58 | +12% | 65Good | $478M |
| TH Target Hospitality Corp. | 17.26 | 14.81 | -17% | 45Weak | $1.7B |
| ACTG Acacia Research Corporation | 4.23 | 3.68 | -15% | 45Weak | $413M |
| CMPR Cimpress plc | 76.72 | 166.98 | +54% | 75Good | $1.9B |
| TIC TIC Solutions, Inc. | 8.68 | 12.57 | +31% | 45Weak | $1.9B |
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Start free See the Sunday ScanQuestions about PAYS
Is PAYS undervalued right now?
No: at 15.16 the stock trades 23% above the GLS average fair value of 12.37 (data as of 16 Oct 2026). The margin of safety is negative.
What is the Wheel Score of PAYS and what does it mean?
PAYS scores 56 out of 100 (Fair). The Wheel Score blends the margin of safety (25 points), Piotroski health (20), the GLS moat (15), the option premium on offer (20) and trading stability (20) into one number that ranks stocks for the wheel strategy - selling cash-secured puts, then covered calls if assigned. 80 and above is Prime, 65-79 Good, 50-64 Fair, under 50 Weak.
What is the GLS fair value for PAYS?
12.37 per share as of 16 Oct 2026 - the simple average of the 8 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Paysign, Inc. report earnings next?
The next earnings report is due on 9 Nov 2026 (after the close), 24 days from the data date of 16 Oct 2026. The Calendars page lists every upcoming report with its time of day.
Does PAYS have listed options, and how liquid are they?
Yes. The nightly snapshot found 102 listed contracts with 9,595 open interest across all expiries and implied volatility of 75% on the near-the-money contracts. The Options scanner lists the cash-secured put and covered call set-ups with premium and annualised yield worked out.