PAYS
Strong BuyPremium GrowerAI neutralPaysign, Inc. · Technology · United States · $842M cap · $12.7M/day traded
$14.92 -1.9% · close 23 Oct · scored 24 Oct
Premium Grower: Strong business with the market behind it, priced at a premium.
As of 24 Oct 2026, MoatMap's StockRank for Paysign, Inc. (PAYS) is 94/100, ranked against 24,000+ stocks in 35 markets (Quality 74, Value 34, Momentum 91, each scored against its sector).
Does StockRank work? Each month we publish how every decile did, whichever way it went. See the record →
Paysign runs prepaid card programmes, most notably pharmaceutical patient-affordability (copay assistance) programmes plus plasma-donor payments. Second-quarter 2026 revenue rose 48% to a record $28.3 million, and the company raised its full-year outlook. The business is asset-light with operating leverage as programmes scale. However, the valuation already reflects rapid growth, and one widely cited fair-value estimate implies meaningful downside. Insiders sold about 0.89% of shares outstanding over 90 days despite an active buyback. Revenue also depends on a concentrated set of pharma clients.
ABOUT PAYSIGN, INC.
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Paysign is a leading provider of prepaid card programs, comprehensive patient affordability solutions, and customized payment processing services for corporate, consumer, and government applications. The company occupies a dominant niche in the plasma donor compensation market, providing end-to-end financial technology solutions to major global plasma collectors. Its competitive advantage stems from proprietary processing platforms and deep integration into client workflows, creating high barriers to entry.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 38.0M | 47.3M | 58.4M | 82.0M | 29.2% | 100.6M | 114.7M | 133.6M | 27.6% |
| EPS | 0.02 | 0.12 | 0.07 | 0.14 | 91.3% | 0.27 | 0.49 | 0.62 | 109.6% |
| Shares | 52.3M | 52.8M | 53.5M | 55.1M | +5.2% | 56.5M | — | — | — |
| Debt | 3.7M | 3.3M | 2.9M | 6.0M | 17.9% | 5.7M | — | — | — |
| Equity | 16.3M | 24.5M | 30.4M | 48.5M | 43.8% | — | — | — | — |
| Op CF | 25.3M | 27.6M | 22.9M | 52.5M | 27.5% | 74.9M | — | — | — |
| Inv CF | -4.1M | -7.0M | -9.5M | -10.1M | — | — | — | — | — |
| Fin CF | 0 | -1.1M | -0.5M | 0.3M | — | — | — | — | — |
Above its 200-day average and 8% below its 52-week high.
Swung more than 83% of stocks we rank over the past year (70% a year).
How this is worked out
StockRank judges the business. The price check reads only the chart: it is the price side of the Momentum score, in words.
The rules: Still falling is a new 52-week low in the last two weeks, at least 25% below the high. Finding a floor is no new low since. Turning up is 20 or more trading days without a new low, at least 10% off it, and back above a rising 50-day average. In an uptrend is above the 200-day average and within 15% of the high.
In 2,112 US drawdowns since 2001, buying while the price was still falling was followed by a further 20% drop 42% of the time. Waiting for a turn like this one cut that to 33%, at about 7% higher prices and with no better returns. Part of that cut is simply not buying: 13% of falls never turned, and waiting kept those out. Among turns that were bought, 38% still fell another 20%, and 33% of turns were followed by a new low within six months. The benefit was largest in crashes such as 2008 and 2020.
What it measures: day-to-day price moves over the past year, as a yearly figure, ranked against every stock we cover. Very calm under 20% a year, Calm 20 to 30%, Average 30 to 40%, Bumpy 40 to 55%, Very bumpy above that.
What we found: across about 13,500 stocks in 34 markets (2002 to 2025), past swings were a good guide to the next year's, and bumpier stocks fell further. How much further changed too much between eras to put a number on it.
Calm is not safe: a calm stock can still slide steadily.
Rules fixed before any data was fetched. Describes the chart, not a recommendation.
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Technology, ranked by industry match, size, and score similarity. Cross-listings of PAYS are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| PAYS | Paysign, Inc.(you) | $842M | 94 | Strong Buy |
| OSPN | OneSpan Inc. | $744M | 97 | Strong Buy |
| PRTH | Priority Technology Holdings, Inc. | $645M | 93 | Strong Buy |
| CCSI | Consensus Cloud Solutions, Inc. | $687M | 96 | Strong Buy |
| YEXT | Yext, Inc. | $727M | 83 | Strong Buy |
| RPD | Rapid7, Inc. | $1.0B | 80 | Strong Buy |
| PGY | Pagaya Technologies Ltd. | $1.6B | 99 | Strong Buy |
| PRGS | Progress Software Corporation | $1.9B | 98 | Strong Buy |
| GCT | GigaCloud Technology Inc. | $2.1B | 96 | Strong Buy |
| FLYW | Flywire Corporation | $1.7B | 85 | Strong Buy |
Peer medians: ROE 4.7% · P/E 32.6x · Gross margin 52.1%
Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.