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PAYS

PaysignF
Nasdaq / Financial Services
Last Price
Quote time unavailable
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Current thesis
Primary-source evidence improved after earnings: Q1 revenue rose 50.8% to $28.04 million, adjusted EBITDA rose 113.4% to $10.59 million, and management reiterated a full-year revenue range of $106.5-$110.5 million with confidence in the upper half. Secondary post-print coverage also showed DA Davidson reiterating Buy with a $9 target after the beat, so the basic growth thesis remains intact despite the pullback.
Posture
Defensive
Lead driver
Value
What changed
6 setup hits (3d) with net bullish as of 2026-10-25.
What can break
Coverage remains sparse for a small-cap name, so analyst revision flow is limited and thesis validation still depends heavily on company-reported execution.
Momentum
99
Value
46
Sentiment
22
Setup hits (3d)
6 · Net Bullish
AI TargetsBase $7.00 · Bull $9.00 · Bear $4.50Analysis 2026-05-15; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-23 • Vendor: Data Vendor v1
Scores
As of 2026-10-23 • Model: HYBRID_IC_RP
AI Memo
As of 2026-05-15 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-23

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-23. Definitions

Supporting evidence
What
Grade F · Defensive
Confidence Medium · Net Bullish
Target $14.10
Why
Momentum99 · Δ7d +0.3
Value46 · Δ7d +0.0
Sentiment22 · Δ7d 0.0
So what
Weak posture (Net Bullish). Prioritize risk control and patience.

Confirming evidence

  • • 6 setup hits (3d) with net bullish as of 2026-10-25.
  • • Value remains the lead driver in the composite, 7D delta +0.0.

Contradictions & invalidation

  • • Coverage remains sparse for a small-cap name, so analyst revision flow is limited and thesis validation still depends heavily on company-reported execution.
  • • Management reiterated rather than raised full-year 2026 guidance after a strong Q1 beat, which the market treated as a negative signal on May 13, 2026.
  • • The post-earnings reaction was mixed because management did not raise the full-year outlook after a strong quarter.

Catalyst clock

2026-06-30

Q2 exit targets are now the clearest near-term proof point after the Q1 beat

Lead driver: Value · See fundamentals
Momentum
99
8% active weight
Current posture
7d trendFlat
Δ7d
+0.3
Δ21d
+0.3
Value
46
47% active weight
Current posture
7d trendFlat
Δ7d
+0.0
Δ21d
+1.1
Sentiment
22
45% active weight
Current posture
7d trendFlat
Δ7d
0.0
Δ21d
-1.6
Why this grade

Composite grade F. Momentum 99.0 / Value 45.8 / Sentiment 22.1

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-05-15. Scenario method

B+
Bull case
30%
Probability
Target price
$9.00
Analysis reference price unavailable
Analysis 2026-05-15 · RankAlpha Sentiment Codex
Most likely
B
Base case
45%
Probability
Target price
$7.00
Analysis reference price unavailable
Analysis 2026-05-15 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$4.50
Analysis reference price unavailable
Analysis 2026-05-15 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-23
Market Cap
$842.42M
Beta
0.96
Shares Out
56.46M
P/E (TTM)
38.4
P/S (TTM)
3.71
P/FCF (TTM)
28.26
Rev YoY
+48.1%
EPS YoY
+354.2%
Gross Margin
+51.7%
Op Margin
+17.0%
Net Debt
-$158.96M
Current Ratio
1.14
As of 2026-10-23 • Updated nightlySource: Internal modelMethods & Data