Value
5.6/10data confidence 100%| Component | Sub-score |
|---|---|
| P/E | 2.6 |
| P/S | 6.9 |
| EV/EBITDA | 0.0 |
| Fwd P/E | 6.7 |
| PEG | 10.0 |
| Analyst target | 5.0 |
- ▸Forward P/E: 18.9x
- ▸PEG: 0.22
PAYS · Why this verdict
Why Paysign (PAYS) is rated HOLD
Updated
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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VerdictHOLD
Overall score6.3/10
ConfidenceMEDIUM
MacroNEUTRAL
Per-dimension breakdown
Quality
6.8/10data confidence 100%| Component | Sub-score |
|---|---|
| ROE | 7.4 |
| ROA | 1.8 |
| Gross margin | 8.1 |
| Op margin | 9.5 |
| Net margin | 5.7 |
| Current ratio | 4.4 |
| FCF quality | 6.2 |
| Moat | 9.0 |
| Piotroski F | 8.9 |
- ▸Wide economic moat
- ▸Compounder quality: strong returns + growth
- ▸Strong Piotroski F-Score: 8/9
Growth
10.0/10data confidence 67%| Component | Sub-score |
|---|---|
| Rev growth | 10.0 |
| EPS growth | 10.0 |
- ▸Strong growth: 51% YoY
Momentum
6.3/10data confidence 100%| Component | Sub-score |
|---|---|
| RSI | 4.0 |
| MACD | 8.3 |
| OBV | 10.0 |
| MA position | 9.0 |
| Volume | 0.4 |
- ▸Overbought (RSI 80)
- ▸Volume accumulation (rising OBV)
- ▸Above 200-day MA
Sentiment
6.8/10data confidence 100%| Component | Sub-score |
|---|---|
| Analyst rating | 7.3 |
| Price target | 7.7 |
| erm sentiment | 5.0 |
- ▸Light analyst coverage (5.0) — signal dampened
- ▸Analyst upside: 20%
Insider
3.8/10data confidence 75%| Component | Sub-score |
|---|---|
| materiality | 4.5 |
| insider conviction | 2.0 |
| holder change | 5.0 |
- ▸Modest insider selling — $438,505 (0.095% of mkt cap)
Peer rank
4.9/10data confidence 80%| Component | Sub-score |
|---|---|
| value rank | 3.9 |
| quality rank | 6.9 |
| growth rank | 8.9 |
- ▸Industry growth leader
Technical
4.0/10data confidence 100%| Component | Sub-score |
|---|---|
| bollinger | 1.5 |
| support resistance | 1.9 |
| 52w position | 8.6 |
Risk (lower is worse)
7.2/10data confidence 100%| Component | Sub-score |
|---|---|
| short interest | 8.5 |
| days to cover | 8.7 |
| volatility | 0.0 |
| put call | 6.7 |
| implied vol | 8.4 |
| beta | 8.7 |
| debt equity | 9.6 |
Catalyst
3.3/10data confidence 100%| Component | Sub-score |
|---|---|
| erm | 5.0 |
| earnings history | 3.3 |
| earnings timing | 5.0 |
| surprise avg | 0.0 |
How the verdict was assembled
Engine trigger
Maintain position. Not compelling to add more.
Engine technical detail
verdict_path:
L4:PATH_F_HOLDPassed (7)
- MOMENTUM:6.3>=5.5
- INSIDER:OK
- 8K:CLEAN
- NEWS_EVENTS:NONE_RECENT
- EARNINGS_PROXIMITY:31d clear
- SEMI_CYCLE_PEAK:CLEAR
- MATERIALS_CYCLE_PEAK:CLEAR
Failed (1)
- ASYMMETRY:0.3<1.5@spot
Warning (0)
none
Reward-to-Risk
0.32
Upside
+4.8%
Downside
15.0%
Sizing output
AVOID
Setup— — No clear chart pattern; technical signals are mixed
EdgeNo clear edge — No clear edge identified
SuitabilityAggressive — MCap $0.5B<$5B
Investment implication
None of the engine's positive-conviction paths (C-quality, D-momentum) triggered — the F-path HOLD reflects balanced signals. Strongest-cleared gate: MOMENTUM:6.3>=5.5. Top dim: Growth at 10.0; weakest: Catalyst at 3.3. No conviction either direction.
The strongest dimensions are Growth at 10.0, Risk (lower is worse) at 7.2, and Quality at 6.8; the weakest are Catalyst at 3.3, Insider at 3.8, and Technical at 4.0. The V9 engine flagged 1 failed gate, producing an asymmetric reward-to-risk of 0.32 and an engine sizing output of AVOID.