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PAPAYS

Paysign, Inc.

$PAYS·$708M·Specialty Business Services·Industrials
$12.72+0.4%YTD+146.5%1Y+118.2%
Price updated 4h ago·X counts updated 1d ago
PAPAYS
$PAYSPaysign, Inc.
$12.72+0.39%27 posts1×
AI analysisFundamentalsVoices on X
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On X

Top X posts

The complete picture of $PAYS on X — how loud the conversation is right now, how it has trended over the last two weeks, and which way the crowd is leaning.

27X posts · last 7 days
Sep 11Sep 27
Chatter Meter
1×
QuietNormal · 1×Loud

How loud $PAYS's conversation on X is versus its own normal — 1× is typical, higher means busier. Right now it's about its usual level, louder than 84% of tracked names.

Bullish sentimentAI analysisGenerated by AI from underlying data5 posts analyzed · as of 2026-08-12

The tone on Paysign is celebratory. A prominent holder recounts tripling in three months after a 25% post-earnings plunge, then reports the latest print beat on every line with a raised guide across the board and expanding incremental margins. Plasma is called out of its industry funk and pharma described as booming. A small-cap screener lists PAYS as a top-seven B- Buy, and the stock is 'popping hard' into the close.

Read what X is saying about $PAYS

  • Bullish vs bearish call — with the AI summary of the day's posts
  • Divergence flag when the top-engagement posts argue the other side
  • How loud the conversation is versus this ticker's own normal
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AI verdictAI analysisGenerated by AI from underlying data

TickerTalks' own read on what's driving $PAYS — fundamentals, momentum, or an event — and whether it agrees with the X crowd.

Driven by hypeAcceleratingAI verdict · as of 2026-09-27

The move is getting stronger, with heavier trading behind it.

Prepaid-card and patient-affordability specialist up 146% YTD — Q2 revenue +48% year-over-year, insiders trimming.

Paysign is the prepaid-card + pharma patient-affordability niche play riding a genuine revenue inflection: mkt cap $708M, shares $12.67, YTD +146%, T12m +127%, sitting 84% up the 52-week range.

  • Q2 2026 revenue $28.3M was +48% year-over-year with 63% gross margin and 25% operating margin, EPS $0.12 beat by 83%.
  • Q1 2026 revenue $28.0M was +51% year-over-year — the top-line acceleration is consistent across both recent quarters.
  • Fundamentals: PE 43, PS 6.9, ROE 30%, ROIC 19%, debt/equity 0.09, FCF yield 9.7% — priced for growth but backed by real cash-flow.
  • Marketbeat's 'Paysign Targets $117M Revenue as Patient-Affordability Business Surges' captures the fundamental story; Zacks upgraded to Buy August 26.
  • BlackRock built a 3.08M-share position September 3 — institutional flow is meaningfully positive.
  • Insider signal is trim: Joan Herman (officer/director) sold $260K + $457K September 15-16; Michael Ngo (CIO) sold $918K + $1.02M September 8-9 for combined $2.6M. Notable that Ngo's Form 3 was filed September 8 disclosing zero shares at appointment — his sales are likely from RSU vesting.

X-social is bullish and specific: 'tripling in three months after a 25% post-earnings plunge', latest print beat on every line with raised guide, plasma out of industry funk, PAYS as top-seven B- Buy on small-cap screener.

Agrees with X sentimentX bulls and the fundamentals are aligned; the insider trims are a separate signal to weigh.

What to watch: November 11 Q3 print — is the patient-affordability revenue trajectory sustaining, and does the guide firm to the analyst $117M target?

On the calendar: 2026-11-11 Q3 2026 earnings (EPS estimate $0.09)

Read the AI verdict on $PAYS

  • One-line verdict on what's driving the move — fundamentals, momentum, both, or an event
  • Next dated catalyst when there is one (earnings, deal closing, activist clock)
  • Whether TickerTalks' read agrees with or diverges from the X crowd
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What it does

Plain-English summary of the business — what they sell and how they make money.

Prepaid debit card and digital banking services company processing payments for patient affordability programs and corporate disbursements.

Industry overviewAI analysisGenerated by AI from underlying data

Where Specialty Business Services sits in its cycle right now — and what that implies for $PAYS.

Specialty Business Services · Industrials

No material change from last week — non-cyclical outsourcing demand underpins steady compounding across facility management, pest control, and vehicle auctions.

What this means for $PAYS

Neutral — Prepaid debit card and digital banking services company processing payments for patient affordability programs and corporate disbursements.

Industry benchmark

7-name peer basket
+1.4%YTD
-14.0%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
43.5How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
19.3%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
17.0%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
9.7%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
6.9Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
30.1%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
56.2%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
0.1Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q2 2026Aug 5, 2026$0.11$0.06+83.3%
Q1 2026May 12, 2026$0.09$0.07+28.6%
Q4 2025Mar 24, 2026$0.02$0.020.0%
Q3 2025Nov 12, 2025$0.04$0.03+33.3%
Next earningsWed, Nov 11·consensus EPS $0.09

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q2 FY26$28.3M+48.1%63.3%24.8%$0.12$-1.0M
Q1 FY26$28.0M+50.8%55.6%23.8%$0.10$17.1M
Q4 FY25$22.8M+45.8%48.0%8.1%$0.02$46.4M
Q3 FY25$21.6M+41.6%56.3%7.3%$0.04$4.6M

Forward consensus

2-year forecast · up to 3 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$114.7M$112.9M – $116.0M$0.34$0.34 – $0.353
FY27$133.2M$131.1M – $134.8M$0.42$0.41 – $0.433

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.1.0×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.84%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.+7.1%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.+77.2%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatLow float · 34.2M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today2.1% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.

Insider activity

Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.

Recent transactions

SellSep 16Joan M HermanEVP, Operations38.9K sh$457KSellSep 15Joan M HermanEVP, Operations21.0K sh$260KSellSep 9Michael C NgoChief Innovation Officer79.9K sh$1.0MSellSep 8Michael C NgoChief Innovation Officer70.1K sh$900KSellAug 12Baker Jeffery BradfordCFO35.0K sh$442KSellAug 6Mark NewcomerCEO150.0K sh$1.8MSellJul 29Mark NewcomerCEO50.0K sh$469KSellJul 16Joan M HermanEVP, Operations28.0K sh$243KSellJul 15Joan M HermanEVP, Operations31.9K sh$274KSellJun 26Joan M HermanEVP, Operations100.0K sh$801K
1–10 of 17
+ 31 other (16 inkinds · 9 exempts · 6 awards) in window

See when $PAYS insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
  • 30 / 60 / 180-day windows so you can spot building conviction
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SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

3New insider — initial holdingsSep 83
AI summary

Paysign, Inc. filed an initial Form 3 for Michael C. Ngo, reporting initial beneficial ownership upon his appointment as Chief Investment Officer, with an event date of March 19, 2025. The filing discloses that Ngo holds no equity securities of Paysign directly or indirectly as of the reporting date. The Form 3 is required under Section 16(a) of the Securities Exchange Act of 1934 within 10 days of an officer's appointment.

3New insider — initial holdingsSep 43
AI summary

Bradley Kramer Cunningham, Chief Technology Officer of Paysign, Inc. (PAYS), filed an initial beneficial ownership statement (Form 3) reporting direct ownership of 374,000 shares of common stock across five tranches (130k, 30k, 114k, 33,334, and 66,666 shares) as of December 14, 2025, though submitted September 2026. No derivative securities are reported. This is a routine Section 16 initial filing for a newly reportable officer; the delayed submission is administrative and carries no trading signal.

3New insider — initial holdingsSep 43
AI summary

Matthew Baker Turner, President of Patient Affordability at Paysign, Inc. (PAYS), filed an initial beneficial ownership statement reporting direct ownership of 236,667 shares of common stock (120,000 and 116,667 share tranches) plus a non-qualified stock option for 15,000 shares at a $3.87 exercise price expiring March 23, 2030, triggered by an August 11, 2025 event. This is a routine Section 16 initial filing for a newly reportable officer; no new purchases or sales are disclosed.

8-KShareholder voteMay 138-K — Item 5.07: Shareholder vote
+ 5 other (2 10-Qs · 2 earnings 8-Ks · 1 13G) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

BlackRock Inc. Buys Shares of 3,079,208 Paysign, Inc. $PAYSdefenseworld.net·26d agoPaysign Targets $117M Revenue as Patient-Affordability Business Surgesmarketbeat.com·32d agoPaysign (PAYS) is an Incredible Growth Stock: 3 Reasons Whyzacks.com·34d agoPaysign (PAYS) Upgraded to Buy: What Does It Mean for the Stock?zacks.com·34d agoAre Business Services Stocks Lagging Paysign (PAYS) This Year?zacks.com·47d ago

In themes

Explore the broader themes this ticker is being talked about under.

Consumer Fintech & Neobanks

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TickerTalks is a research tool, not financial advice. We surface social-attention data; we do not make stock recommendations. Past attention is not predictive of future price movements.

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