PAYS

PaysignB

Nasdaq / Financial Services

At close

2026-07-22

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

Constructive

Lead driver

Momentum

What changed

Momentum remains the lead driver in the composite, 7D delta +0.2.

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

Value

Sentiment

Setup hits (3d)

0 · Net Neutral

AI TargetsBase $7.00 · Bull $9.00 · Bear $4.50

Data freshness

Prices

As of 2026-07-22

Fundamentals

As of 2026-07-22 • Vendor: Data Vendor v1

Scores

As of 2026-07-22 • Model: HYBRID_IC_RP

AI Memo

As of 2026-05-15 • Model: RankAlpha Sentiment Codex

Investment thesis

As of 2026-07-22

Supporting evidence

What

Grade B · Constructive

Confidence Medium · Net Neutral

Target $10.31

Why

Momentum96 · Δ7d +0.2

Value46 · Δ7d +0.2

Sentiment40 · Δ7d -2.8

So what

Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Lead driver: Momentum · See technicals

Momentum

26% active weight

Current posture

7d trendFlat

Δ7d

+0.2

Δ21d

+5.6

Value

39% active weight

Current posture

7d trendFlat

Δ7d

+0.2

Δ21d

+1.2

Sentiment

34% active weight

Current posture

7d trendSoftening

Δ7d

-2.8

Δ21d

-9.3

Why this grade

Composite grade B. Momentum 96.2 / Value 46.4 / Sentiment 40.1

Fundamentals (TTM)

As of 2026-07-22

Market Cap

$500.92M

Beta

0.96

Shares Out

55.91M

P/E (TTM)

38.4

P/S (TTM)

3.71

P/FCF (TTM)

28.26

Rev YoY

+50.8%

EPS YoY

+90.0%

Gross Margin

+50.4%

Op Margin

+8.0%

Net Debt

-$158.96M

Current Ratio

1.12

As of 2026-07-22 • Updated nightlySource: Internal modelMethodology