Paysafe (PSFE)
Market Price (3/30/2026): $6.63 | Market Cap: $368.3 MilSector: Consumer Staples | Industry: Tobacco
Paysafe (PSFE)
Market Price (3/30/2026): $6.63Market Cap: $368.3 MilSector: Consumer StaplesIndustry: Tobacco
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 14% | Weak multi-year price returns2Y Excs Rtn is -76%, 3Y Excs Rtn is -120% | Debt is significantNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is 655% |
| Valuation becoming less expensiveP/S 6M Chg %Price/Sales change over 6 months. Declining P/S indicates valuation has become less expensive. is -51% | Yield minus risk free rate is negativeERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is -54% | |
| Attractive yieldFCF Yield is 29% | Key risksPSFE key risks include [1] a highly leveraged balance sheet with a substantial debt burden and [2] significant regulatory exposure from its concentration in high-risk verticals like iGaming. | |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments, Markets & Betting, and Crypto & Blockchain. Themes include Digital Payments, Show more. |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 14% |
| Valuation becoming less expensiveP/S 6M Chg %Price/Sales change over 6 months. Declining P/S indicates valuation has become less expensive. is -51% |
| Attractive yieldFCF Yield is 29% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments, Markets & Betting, and Crypto & Blockchain. Themes include Digital Payments, Show more. |
| Weak multi-year price returns2Y Excs Rtn is -76%, 3Y Excs Rtn is -120% |
| Debt is significantNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is 655% |
| Yield minus risk free rate is negativeERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is -54% |
| Key risksPSFE key risks include [1] a highly leveraged balance sheet with a substantial debt burden and [2] significant regulatory exposure from its concentration in high-risk verticals like iGaming. |
Qualitative Assessment
AI Analysis | Feedback
Paysafe (PSFE) stock has lost about 15% since 11/30/2025 because of the following key factors:
1. Lingering negative sentiment from Q3 2025 financial results and guidance cut. Paysafe announced its Q3 2025 results on November 13, 2025, reporting revenue of $433.8 million, which missed consensus estimates by $5.8 million, and a net loss of $87.7 million, a significant increase from the prior year's net loss of $12.98 million. The company also reduced its full-year 2025 revenue and adjusted EPS guidance, leading to a 27.6% stock price drop on November 13, 2025, which continued to impact investor confidence into the subsequent period.
2. Multiple analyst downgrades and reduced price targets. Throughout the period, several investment firms lowered their price targets for Paysafe, signaling a cautious outlook. For instance, in November 2025, RBC Capital reduced its target from $17.00 to $10.00, UBS from $12.00 to $7.00, BTIG from $22.00 to $11.00, and Susquehanna from $15.00 to $9.00. This trend continued into March 2026, with RBC Capital further lowering its target from $10.00 to $9.00 and BTIG from $11.00 to $10.00.
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1. Lingering negative sentiment from Q3 2025 financial results and guidance cut. Paysafe announced its Q3 2025 results on November 13, 2025, reporting revenue of $433.8 million, which missed consensus estimates by $5.8 million, and a net loss of $87.7 million, a significant increase from the prior year's net loss of $12.98 million. The company also reduced its full-year 2025 revenue and adjusted EPS guidance, leading to a 27.6% stock price drop on November 13, 2025, which continued to impact investor confidence into the subsequent period.
2. Multiple analyst downgrades and reduced price targets. Throughout the period, several investment firms lowered their price targets for Paysafe, signaling a cautious outlook. For instance, in November 2025, RBC Capital reduced its target from $17.00 to $10.00, UBS from $12.00 to $7.00, BTIG from $22.00 to $11.00, and Susquehanna from $15.00 to $9.00. This trend continued into March 2026, with RBC Capital further lowering its target from $10.00 to $9.00 and BTIG from $11.00 to $10.00.
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Stock Movement Drivers
Fundamental Drivers
The -13.9% change in PSFE stock from 11/30/2025 to 3/29/2026 was primarily driven by a -17.9% change in the company's P/S Multiple.| (LTM values as of) | 11302025 | 3292026 | Change |
|---|---|---|---|
| Stock Price ($) | 7.69 | 6.62 | -13.9% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 1,683 | 1,701 | 1.1% |
| P/S Multiple | 0.3 | 0.2 | -17.9% |
| Shares Outstanding (Mil) | 58 | 56 | 3.7% |
| Cumulative Contribution | -13.9% |
Market Drivers
11/30/2025 to 3/29/2026| Return | Correlation | |
|---|---|---|
| PSFE | -13.9% | |
| Market (SPY) | -5.3% | 32.8% |
| Sector (XLP) | 3.9% | -16.6% |
Fundamental Drivers
The -53.1% change in PSFE stock from 8/31/2025 to 3/29/2026 was primarily driven by a -56.7% change in the company's P/S Multiple.| (LTM values as of) | 8312025 | 3292026 | Change |
|---|---|---|---|
| Stock Price ($) | 14.11 | 6.62 | -53.1% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 1,676 | 1,701 | 1.5% |
| P/S Multiple | 0.5 | 0.2 | -56.7% |
| Shares Outstanding (Mil) | 59 | 56 | 6.7% |
| Cumulative Contribution | -53.1% |
Market Drivers
8/31/2025 to 3/29/2026| Return | Correlation | |
|---|---|---|
| PSFE | -53.1% | |
| Market (SPY) | 0.6% | 40.2% |
| Sector (XLP) | 2.8% | 5.4% |
Fundamental Drivers
The -66.6% change in PSFE stock from 2/28/2025 to 3/29/2026 was primarily driven by a -69.5% change in the company's P/S Multiple.| (LTM values as of) | 2282025 | 3292026 | Change |
|---|---|---|---|
| Stock Price ($) | 19.80 | 6.62 | -66.6% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 1,699 | 1,701 | 0.1% |
| P/S Multiple | 0.7 | 0.2 | -69.5% |
| Shares Outstanding (Mil) | 61 | 56 | 9.4% |
| Cumulative Contribution | -66.6% |
Market Drivers
2/28/2025 to 3/29/2026| Return | Correlation | |
|---|---|---|
| PSFE | -66.6% | |
| Market (SPY) | 9.8% | 53.1% |
| Sector (XLP) | 1.1% | 21.2% |
Fundamental Drivers
The -66.8% change in PSFE stock from 2/28/2023 to 3/29/2026 was primarily driven by a -73.4% change in the company's P/S Multiple.| (LTM values as of) | 2282023 | 3292026 | Change |
|---|---|---|---|
| Stock Price ($) | 19.94 | 6.62 | -66.8% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 1,484 | 1,701 | 14.6% |
| P/S Multiple | 0.8 | 0.2 | -73.4% |
| Shares Outstanding (Mil) | 61 | 56 | 9.1% |
| Cumulative Contribution | -66.8% |
Market Drivers
2/28/2023 to 3/29/2026| Return | Correlation | |
|---|---|---|
| PSFE | -66.8% | |
| Market (SPY) | 69.4% | 42.8% |
| Sector (XLP) | 23.1% | 18.0% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| PSFE Return | -74% | -70% | -8% | 34% | -53% | -15% | -96% |
| Peers Return | -22% | -32% | 15% | 35% | -25% | -19% | -51% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | -5% | 72% |
Monthly Win Rates [3] | |||||||
| PSFE Win Rate | 42% | 25% | 50% | 50% | 42% | 33% | |
| Peers Win Rate | 38% | 38% | 57% | 62% | 47% | 20% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 33% | |
Max Drawdowns [4] | |||||||
| PSFE Max Drawdown | -78% | -75% | -33% | -5% | -62% | -26% | |
| Peers Max Drawdown | -31% | -46% | -19% | -13% | -31% | -26% | |
| S&P 500 Max Drawdown | -1% | -25% | -1% | -2% | -15% | -5% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: PYPL, GPN, FIS, FOUR, ACIW.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 3/27/2026 (YTD)
How Low Can It Go
| Event | PSFE | S&P 500 |
|---|---|---|
| 2022 Inflation Shock | ||
| % Loss | -96.0% | -25.4% |
| % Gain to Breakeven | 2377.3% | 34.1% |
| Time to Breakeven | Not Fully Recovered days | 464 days |
Compare to PYPL, GPN, FIS, FOUR, ACIW
In The Past
Paysafe's stock fell -96.0% during the 2022 Inflation Shock from a high on 1/21/2021. A -96.0% loss requires a 2377.3% gain to breakeven.
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About Paysafe (PSFE)
Paysafe Limited provides digital commerce solutions to online businesses, small and medium-sized business merchants, and consumers through its Paysafe Network worldwide. The company operates in two segments, US Acquiring and Digital Commerce. It provides PCI-compliant payment acceptance and transaction processing solutions for merchants and integrated service providers, including merchant acquiring, transaction processing, online solutions, fraud and risk management tools, data and analytics, and point of sale systems and merchant financing solutions under the Paysafe and Petroleum Card Services brands. The company also offers digital wallet solutions under the Skrill and NETELLER brands; and pay-by-bank solution under the Rapid Transfer brand. In addition, it provides eCash solutions, such as Paysafecash, a bill payment eCash solution that allow users to shop online and then pay offline in cash to finalize the transaction; paysafecard, a prepaid eCash solution; and paysafecard prepaid Mastercard that can be linked to a digital paysafecard account and used to make purchases. Further, it offers integrated and ecommerce solutions for online merchants and software-integrated merchants within integrated payment capabilities; online toolkit that allows merchants and integrated software vendor to build and scale their online commerce presence; and turn-key payments gateway solution that offers critical connectivity between merchant online sites and payment acceptance and transaction processing providers. Additionally, the company manages and provides various connections to card processing networks, acquiring banks, and transaction processors; and offers gateway connectivity,? shopping cart, tokenization and encryption, fraud and risk management, and support to payment alternatives, as well as provides integrations into eCommerce platforms and multiple alternative payment methods. Paysafe Limited is based in London, the United Kingdom.
AI Analysis | Feedback
Paysafe is like Stripe and PayPal rolled into one, offering both business payment processing and consumer digital wallet solutions.
Alternatively, think of Paysafe as similar to a global payment processor like Adyen, but also providing its own popular digital wallets and unique cash payment solutions akin to PayPal.
AI Analysis | Feedback
- Merchant Acquiring and Payment Processing: Services enabling businesses to accept various payment types, including transaction processing, fraud management, and point-of-sale systems.
- Digital Wallets (Skrill, NETELLER): Online accounts for consumers to store funds and make secure digital payments.
- eCash Solutions (paysafecard, Paysafecash): Prepaid and cash-based solutions for online shopping, allowing users to pay offline with cash or use prepaid vouchers.
- Pay-by-Bank (Rapid Transfer): A solution facilitating direct payments from bank accounts.
- Payment Gateways and E-commerce Integration: Provides critical connectivity between merchant websites and payment processing networks, along with tools for online commerce.
AI Analysis | Feedback
Paysafe (PSFE) provides digital commerce solutions to a diverse customer base. Based on the detailed description of its offerings, the company serves both businesses and individual consumers. However, a significant portion of its brand visibility and direct engagement is with individual consumers through its prominent digital wallet and eCash solutions. Therefore, Paysafe primarily serves **individuals**, categorized as follows:- Digital Wallet Users: Individuals who utilize Paysafe's digital wallet solutions, primarily under the Skrill and NETELLER brands, for online purchases, money transfers, and managing their funds digitally.
- Cash-Preferred Online Shoppers: Consumers who prefer to pay with cash for online transactions. This includes users of Paysafecash, which allows them to shop online and pay offline in cash, and those who use paysafecard, a prepaid eCash solution for online payments, including its prepaid Mastercard variant.
- Bank-Account-Oriented Online Payers: Individuals who leverage Paysafe's Rapid Transfer solution for direct online payments linked to their bank accounts.
AI Analysis | Feedback
Here is the management team for Paysafe (PSFE):Bruce Lowthers, Chief Executive Officer and Executive Director
Bruce Lowthers joined Paysafe as CEO in May 2022. He also serves as an Executive Director on the Paysafe Board. Prior to Paysafe, he spent 15 years at FIS, a Fortune 250 company, where he most recently served as President, responsible for a $15 billion revenue global organization with over 65,000 employees. He was credited with accelerating innovation and strengthening client experience across FIS's Banking, Merchant Solutions, and Payments businesses. Before FIS, Lowthers was an executive at eFunds, an electronic payments company. He is also a serial entrepreneur, having co-founded and led four start-up companies, and co-founded two payments industry associations: the American Transaction Processors Coalition (ATPC) and Payments 20 (P20), a global payments body.
John Crawford, Chief Financial Officer
John Crawford is the Chief Financial Officer at Paysafe. He is responsible for the financial management of the company. Detailed background information regarding previous companies founded or managed, company sales, or a pattern of managing private equity-backed companies was not readily available in the provided search results.
Roy Aston, Chief Operating Officer
Roy Aston joined Paysafe in February 2019 and holds global responsibility for leading the company's technology and operations functions, including global IT strategy, cybersecurity, transformation, and 24/7 technology and customer operations. Before Paysafe, he gained extensive experience in IT and operations at various global financial services organizations. His prior role was Group CIO for Barclaycard, a position he held since April 2013.
Rob Gatto, Chief Revenue Officer
Rob Gatto joined Paysafe in July 2022 as the company's first Chief Revenue Officer (CRO). In this role, he is tasked with leading Paysafe's international sales efforts across high-growth sectors such as gaming, travel, entertainment, digital assets, and fintech. Gatto brings over 30 years of experience in delivering transformational growth and "go-to-market" strategies for both private and public businesses. He has been instrumental in building multiple fast-growing businesses that have resulted in an IPO or sale to technology leaders, including IBM, Oracle, NeuStar, and Adobe.
Chi-Eun Lee, Chief Transformation Officer
Chi-Eun Lee joined Paysafe in October 2019 as Chief of Staff and was appointed as the Chief Transformation Officer in March 2024. Before her tenure at Paysafe, Chi-Eun served as a business development director at Barclaycard Payment Solutions, where she led initiatives focused on strategic partnerships, international growth, and innovation strategy. Her prior experience includes working at McKinsey & Co. and LG Electronics Europe. She holds an MBA from Harvard.
AI Analysis | Feedback
Here are the key risks to Paysafe (PSFE):- Substantial Leverage and Financial Fragility: Paysafe carries a significant debt load, characterized by a high Debt-to-Equity Ratio and a low Interest Coverage Ratio. This substantial leverage adversely affects its financial condition, limits its flexibility for business opportunities, and exposes it to increased interest rate risk, which could significantly raise its debt service obligations. This financial fragility has been highlighted as a major near-term risk that overshadows operational improvements.
- Intense Competition in the Digital Payments Industry: Paysafe operates in a rapidly changing and highly competitive digital payments sector. The company faces significant competition across its various segments, including payment processing, digital wallets (Skrill and NETELLER), and online cash solutions, from established global players such as PayPal, Stripe, Adyen, Fiserv, and numerous emerging fintech companies. This intense competition puts pressure on pricing strategies, market share, and necessitates continuous technological innovation and adaptation to market trends to maintain profitability.
- Regulatory Compliance and Exposure to High-Risk Merchants: The financial services industry, in which Paysafe operates, is heavily regulated, requiring the company to navigate complex and evolving compliance requirements across various jurisdictions. More specifically, Paysafe has faced significant challenges and investor lawsuits concerning its exposure to high-risk merchants within its e-commerce business. Allegations suggest that the company had significant exposure to a single high-risk client and to merchant categories with elevated underwriting challenges, leading to understated credit loss reserves and write-offs. These issues have resulted in substantial credit losses, a significant increase in net loss, and a sharp decline in the company's stock price, reflecting a systemic weakness in its risk management framework.
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```html- The increasing dominance and aggressive expansion of payment ecosystems by major tech companies (e.g., Apple Pay, Google Pay). These platforms offer deeply integrated, device-native, and often seamless payment experiences that can marginalize independent digital wallets like Paysafe's Skrill and NETELL, and potentially capture significant market share in online and in-store payment processing that Paysafe targets.
- The accelerated global shift away from cash and the corresponding rise of alternative cashless solutions, including potential Central Bank Digital Currencies (CBDCs). This trend directly threatens Paysafe's eCash solutions, such as Paysafecash and paysafecard, which cater to users who wish to pay online using cash or prepaid digital vouchers. A significant decline in cash usage could render these solutions increasingly niche or obsolete for a broader market.
AI Analysis | Feedback
Paysafe Limited (PSFE) operates within several significant addressable markets for its digital commerce solutions, including payment processing, digital wallets, eCash, and e-commerce payment solutions.
Payment Processing / Merchant Acquiring
- The global payment processing solutions market was valued at approximately USD 54.92 billion in 2024 and is projected to reach USD 121.47 billion by 2032, with a compound annual growth rate (CAGR) of 10.43% from 2025 to 2032. Other estimates place the global market at USD 66.8 billion in 2024, growing to USD 198.9 billion by 2034 (CAGR 11.7% from 2025-2034). Another source suggests the global market was US$58.5 billion in 2022, projected to reach US$161.9 billion by 2030, growing at a CAGR of 13.6% over the period 2022-2030.
- The North American merchant acquiring market is projected at USD 34 billion in 2025 and is expected to reach USD 68.4 billion by 2034, with a CAGR of 7.8%. The U.S. merchant acquiring market alone was estimated at USD 24 billion in 2025. Total U.S. merchant acquiring net revenue in 2023 was approximately USD 35 billion, based on a total U.S. acquiring volume of about USD 12.3 trillion.
Digital Wallets
- Global spending through digital wallets reached an estimated USD 41.0 trillion in 2024 and is forecast to grow to USD 55.9 trillion by 2029.
- The global digital wallet market size was valued at USD 2,140.18 billion in 2023 and is projected to reach USD 7,857.70 billion by 2030, growing at a CAGR of approximately 20.58% from 2024 to 2030. Another report projects the global digital wallet transaction value to reach USD 19,682.2 billion by 2030, with a CAGR of 18.9% over the forecast period 2025-2030.
- In 2024, Asia-Pacific dominated the global digital wallet landscape, accounting for USD 36.8 trillion in spending. The Americas contributed USD 2.2 trillion, and EMEA (Europe, Middle East, and Africa) accounted for USD 2.0 trillion. North America was the largest region in the digital wallet market in 2025.
eCash Solutions (Prepaid Cards)
- The global prepaid card market size is projected to be worth approximately USD 21.46 trillion by 2034, increasing from USD 3.60 trillion in 2024, at a CAGR of 19.55% from 2025 to 2034. Other data shows the global prepaid card market valued at USD 4.5 trillion in 2024, anticipated to reach USD 23.8 trillion in 2033 at a CAGR of 20.3%.
- The U.S. prepaid card market size was estimated at USD 1.76 trillion in 2024 and is projected to be worth around USD 10.62 trillion by 2034, poised to grow at a CAGR of 19.69% from 2025 to 2034.
- North America dominated the prepaid card market with the highest market share of 61% in 2024.
E-commerce Payment Solutions
- Global e-commerce payments are projected to exceed USD 13 trillion in 2030, up from USD 8.3 trillion in 2025.
- The global e-commerce payments market expanded from USD 989.47 billion in 2025 to USD 1.04 trillion in 2026, with a projection to reach USD 1.75 trillion by 2032 at an 8.55% CAGR. Another report estimates the global e-commerce payments market to reach a value of 14,170.0 billion U.S. dollars by 2032, exhibiting a CAGR of 11.22% during the forecast period 2024-2032.
- North America leads the global e-commerce payment market, with Europe exhibiting robust growth and Asia Pacific as the fastest-growing region.
AI Analysis | Feedback
Paysafe (PSFE) anticipates future revenue growth over the next 2-3 years to be driven by several key strategic initiatives and market trends:
- Expansion of Sales Capabilities and Enterprise Wins: Paysafe has been actively investing in and expanding its sales team, leading to a notable increase in enterprise client acquisitions and cross-selling opportunities within its existing customer base. For example, Paysafe reported 83 enterprise wins in a recent quarter and aimed to hire 170 new sales representatives in 2024 to enhance its sales capabilities. This focus on acquiring and growing larger, high-value clients is expected to contribute significantly to revenue.
- Growth in E-commerce and iGaming Verticals: The company has consistently reported strong double-digit growth in its e-commerce business, particularly driven by its performance in the iGaming sector. Paysafe saw 50% growth in processing revenue from North America iGaming in 2025. Continued penetration and expansion within these high-growth segments are expected to be a major revenue driver.
- Enhanced Digital Wallet and eCash Solutions through Product Innovation and Geographic Expansion: Paysafe is focusing on product and engagement initiatives within its Digital Wallets segment, which has shown consistent growth. The company is also expanding its eCash services, as evidenced by a collaboration with Revolut to bring e-cash to 10 million UK customers and strong demand for local payment solutions in Latin America. These efforts aim to increase user engagement and expand market reach.
- Portfolio Optimization for Higher Quality Revenue: Paysafe has undertaken strategic portfolio optimization efforts, including the divestment of its direct marketing payment processing business, to enhance financial performance and reduce exposure to higher-risk merchants. This strategic shift, despite some short-term impacts from client exits, is expected to result in more sustainable and higher-quality revenue growth in the long term.
- Strategic Partnerships: Paysafe is leveraging strategic partnerships to expand its market presence and offerings. Collaborations, such as with Revolut for e-cash services in the UK and Xsolla for enabling game creators and influencers to receive payouts directly into their wallets, are examples of how Paysafe is broadening its reach and customer base through alliances.
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Share Repurchases
- Paysafe repurchased 9.5 million shares for $92 million in 2025.
- In Q3 2025, Paysafe repurchased 1.5 million shares at an average price of $13.62 per share, contributing to a year-to-date total of 3.6 million shares or $50 million.
- The Board of Directors authorized an additional $70 million for share repurchases in November 2025, following which approximately $67 million remained available under the program after a 4 million share repurchase.
Share Issuance
- Paysafe's outstanding shares decreased from 60.61 million in 2022 to 57.46 million in 2026, indicating net repurchases rather than significant issuances over this period.
Capital Expenditures
- Capital expenditures were $111.7 million in 2024 and are estimated to be $105.8 million for 2025 and $109.1 million for 2026.
- Capital expenditures have increased significantly from $5.616 million in 2021 and $4.543 million in 2022 to $12.85 million in 2023, before the jump in 2024.
- The company's focus includes platform modernization and embedded AI to improve operational efficiency and accelerate product development.
Latest Trefis Analyses
| Title | Date | |
|---|---|---|
| DASHBOARDS | ||
| PSFE Dip Buy Analysis | 07/10/2025 | |
| null | 05/16/2025 | |
| Paysafe (PSFE) Valuation Ratios Comparison | 05/15/2025 |
| Title | |
|---|---|
| ARTICLES |
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Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 44.03 |
| Mkt Cap | 9.8 |
| Rev LTM | 6,245 |
| Op Inc LTM | 950 |
| FCF LTM | 1,100 |
| FCF 3Y Avg | 1,199 |
| CFO LTM | 1,645 |
| CFO 3Y Avg | 1,624 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 4.9% |
| Rev Chg 3Y Avg | 5.4% |
| Rev Chg Q | 5.3% |
| QoQ Delta Rev Chg LTM | 1.4% |
| Op Mgn LTM | 17.6% |
| Op Mgn 3Y Avg | 17.2% |
| QoQ Delta Op Mgn LTM | -0.4% |
| CFO/Rev LTM | 18.8% |
| CFO/Rev 3Y Avg | 18.6% |
| FCF/Rev LTM | 16.6% |
| FCF/Rev 3Y Avg | 16.2% |
Valuation
| Median | |
|---|---|
| Name | |
| Mkt Cap | 9.8 |
| P/S | 1.6 |
| P/EBIT | 7.7 |
| P/E | 14.6 |
| P/CFO | 6.1 |
| Total Yield | 5.3% |
| Dividend Yield | 0.0% |
| FCF Yield 3Y Avg | 7.1% |
| D/E | 1.0 |
| Net D/E | 0.7 |
Returns
| Median | |
|---|---|
| Name | |
| 1M Rtn | -2.6% |
| 3M Rtn | -22.6% |
| 6M Rtn | -30.4% |
| 12M Rtn | -33.7% |
| 3Y Rtn | -36.6% |
| 1M Excs Rtn | 2.0% |
| 3M Excs Rtn | -15.2% |
| 6M Excs Rtn | -26.3% |
| 12M Excs Rtn | -47.9% |
| 3Y Excs Rtn | -95.0% |
Segment Financials
Revenue by Segment| $ Mil | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Merchant Solutions | 958 | 878 | 817 | 745 | 611 |
| Digital Wallets | 766 | 735 | 686 | 750 | |
| Elimination of intersegment revenue | -18 | -12 | -7 | -8 | |
| Corporate | 0 | ||||
| Digital Commerce | 816 | ||||
| Total | 1,705 | 1,601 | 1,496 | 1,487 | 1,426 |
| $ Mil | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Digital Wallets | 339 | 319 | |||
| Merchant Solutions | 191 | ||||
| (Loss) / gain on disposal of subsidiaries and other assets, net | -1 | -0 | |||
| Impairment expense on goodwill and other assets | -1 | -1 | |||
| Restructuring and other costs | -5 | -6 | |||
| Share-based compensation | -39 | -29 | |||
| Unallocated Corporate costs | -78 | -82 | |||
| Depreciation and amortization | -273 | -263 | |||
| Integrated Processing | 222 | ||||
| Total | 133 | 159 |
Price Behavior
Price Behavior
| Market Price | $6.62 | |
| Market Cap ($ Bil) | 0.4 | |
| First Trading Date | 10/09/2020 | |
| Distance from 52W High | -59.7% | |
| 50 Days | 200 Days | |
| DMA Price | $6.90 | $10.29 |
| DMA Trend | down | down |
| Distance from DMA | -4.1% | -35.6% |
| 3M | 1YR | |
| Volatility | 66.8% | 66.3% |
| Downside Capture | 1.11 | 1.80 |
| Upside Capture | 126.13 | 118.10 |
| Correlation (SPY) | 31.4% | 51.6% |
PSFE Betas & Captures as of 2/28/2026
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 3.91 | 2.95 | 2.69 | 2.92 | 1.99 | 1.86 |
| Up Beta | 5.45 | 6.04 | 5.33 | 3.87 | 1.89 | 1.81 |
| Down Beta | 4.69 | 2.31 | 1.74 | 3.71 | 1.91 | 1.91 |
| Up Capture | 301% | 136% | 183% | 91% | 162% | 311% |
| Bmk +ve Days | 9 | 20 | 31 | 70 | 142 | 431 |
| Stock +ve Days | 8 | 15 | 26 | 50 | 114 | 357 |
| Down Capture | 336% | 302% | 269% | 258% | 162% | 113% |
| Bmk -ve Days | 12 | 21 | 30 | 54 | 109 | 320 |
| Stock -ve Days | 12 | 24 | 33 | 71 | 132 | 384 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with PSFE | |
|---|---|---|---|---|
| PSFE | -62.6% | 66.3% | -1.21 | - |
| Sector ETF (XLP) | 4.6% | 13.9% | 0.09 | 20.9% |
| Equity (SPY) | 14.5% | 18.9% | 0.59 | 51.9% |
| Gold (GLD) | 50.2% | 27.7% | 1.46 | -6.2% |
| Commodities (DBC) | 17.8% | 17.6% | 0.85 | 9.0% |
| Real Estate (VNQ) | 0.4% | 16.4% | -0.15 | 44.4% |
| Bitcoin (BTCUSD) | -23.7% | 44.2% | -0.49 | 29.0% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with PSFE | |
|---|---|---|---|---|
| PSFE | -49.3% | 70.4% | -0.65 | - |
| Sector ETF (XLP) | 6.8% | 13.2% | 0.30 | 18.8% |
| Equity (SPY) | 11.8% | 17.0% | 0.54 | 46.8% |
| Gold (GLD) | 20.7% | 17.7% | 0.96 | 2.6% |
| Commodities (DBC) | 11.6% | 18.9% | 0.50 | 6.0% |
| Real Estate (VNQ) | 3.0% | 18.8% | 0.07 | 41.4% |
| Bitcoin (BTCUSD) | 4.0% | 56.6% | 0.29 | 20.7% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with PSFE | |
|---|---|---|---|---|
| PSFE | -25.2% | 69.6% | -0.46 | - |
| Sector ETF (XLP) | 7.3% | 14.7% | 0.37 | 18.5% |
| Equity (SPY) | 14.0% | 17.9% | 0.67 | 46.0% |
| Gold (GLD) | 13.3% | 15.8% | 0.70 | 3.1% |
| Commodities (DBC) | 8.2% | 17.6% | 0.39 | 5.9% |
| Real Estate (VNQ) | 4.7% | 20.7% | 0.19 | 39.7% |
| Bitcoin (BTCUSD) | 66.4% | 66.8% | 1.06 | 18.9% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| SUMMARY STATS | |||
| # Positive | 0 | 0 | 0 |
| # Negative | 0 | 0 | 0 |
| Median Positive | |||
| Median Negative | |||
| Max Positive | |||
| Max Negative | |||
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 12/31/2025 | 03/03/2026 | 20-F |
| 09/30/2025 | 11/13/2025 | 6-K |
| 06/30/2025 | 08/14/2025 | 6-K |
| 03/31/2025 | 05/13/2025 | 6-K |
| 12/31/2024 | 03/04/2025 | 20-F |
| 09/30/2024 | 11/13/2024 | 6-K |
| 06/30/2024 | 08/13/2024 | 6-K |
| 03/31/2024 | 05/13/2024 | 6-K |
| 12/31/2023 | 03/20/2024 | 20-F |
| 09/30/2023 | 11/14/2023 | 6-K |
| 06/30/2023 | 08/16/2023 | 6-K |
| 03/31/2023 | 05/17/2023 | 6-K |
| 12/31/2022 | 03/15/2023 | 20-F |
| 09/30/2022 | 11/17/2022 | 6-K |
| 06/30/2022 | 10/19/2022 | 6-K |
| 03/31/2022 | 05/18/2022 | 6-K |
Insider Activity
Expand for More| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Swales, Richard | Chief Risk & Compliance Ofcr. | Direct | Sell | 3202026 | 6.87 | 18,849 | 129,398 | 166,758 | Form |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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