Paysign Inc. (PAYS) 12-Month Stock Forecast & Price Target Cone

$13.93 -2.86% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $13.83

Paysign Inc. (PAYS) carries a Roarable Rating of C+ (Hold) with 69/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C+ • HOLD / WATCH Cap $809.7M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
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🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is PAYS stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-02, Paysign Inc. (NASDAQ: PAYS) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 69/100 at a spot price of $13.93 (-2.86% 1D, market cap $809.7M). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 13/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 12/20. Across 714 tracked Technology issuers, PAYS ranks #111 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does PAYS compare to HQ and PLTK in the Technology sector?
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Within the Technology sector (EDP Services), PAYS carries a Roarable C+ (69/100 RQD), trailing P/E of 107.2x, gross margin of 59.4%, and ROIC of 10.6%. By comparison, HQ (Horizon Quantum Holdings Ltd. (Class A)) holds a D+ grade (52/100 RQD, P/E N/A, ROIC —, cap $826.9M) and PLTK (Playtika Holding Corp.) posts a E grade (28/100 RQD, P/E N/A, ROIC -0.3%, cap $751.4M). Among the 5-stock peer group, TASK leads on earnings multiple (7.3x) while OSPN leads on capital efficiency (19.0% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for PAYS?
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Per PAYS's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001496443), Paysign Inc. generated $82.0M in revenue (+40.5% YoY), $7.6M in net income, and $51.2M in free cash flow against $276.3M in total assets and $6.1M in total debt. Key quantitative strengths: Strong cash generator (59% profit margin)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Priced at 107x earnings—high expectations leave less room for a lukewarm quarter.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $13.83 (-0.70%)🧬 Cannibal Buyback (-1.24% YoY Shares)⚙️ Cash Engine: 15/20 (B) • 62.5% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 69/100 (C+) historically posted market-perform odds over rolling 90-day windows (+2.0% avg 90D alpha vs SPY • 57.3% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C+
025507510069
2-of-3 JEV AI Jury Bullish
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C+ · Rk B
Cash (15)Whales (13)SEC (13)Macro (16)CEO (12)
Each axis scored 0–20
12M PRICE TARGET CONE+5% Base Target
$17 Bull$15 Base$11 Bear
📬 FREE PAYS RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for PAYS)Realized 20D OHLCV Swing Band: ±11.6%
Deterministic 5-Pillar Attribution (69/100 Composite)
🔍 WHY PAYS SCORES 69/100 (C+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Macro Regime Fit+16/20 pts (23% of score)

FRED Regime × Technicals: 83% of 52W Range • RSI-14 at 50 (NEUTRAL RANGE)

▲ #2 Bullish Driver: Cash Engine Quality+15/20 pts (22% of score)

SEC XBRL FY 2025 (10-K): 62.5% FCF Margin ($51.2M FCF) & 59.4% Gross Margin

▼ #1 Drag / Risk Factor: Insider Conviction & Share Dilution12/20 pts (-8 pt drag)

Cannibal Buyback (-1.24% YoY Shares) & executive Form 4 sales trim 8 pts from alignment

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
77
Grade B+$15.17+1.1% Next Q
Q2 (-2Q)
74
Grade B+$15.34-7.1% Next Q
Q3 (-1Q)
72
Grade B$14.25-2.2% Next Q
Current
69
Grade C+$13.93+2% Hist 90D α
Trajectory: B+ (77) → C+ (69)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the PAYS Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 69/100 (C+) score, PAYS faces multiple-compression risk if 107.2x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Priced at 107x earnings—high expectations leave less room for a lukewarm quarter.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-1.24% YoY Shares) — any gross margin slip below 56.9% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($13.77) or 200D SMA ($8.38) invalidates the momentum regime and cuts Target Base ($14.62) toward Bear Floor ($11.40).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $PAYS• $4.8M Crowd Pool • Kalshi / Polymarket Composite
Contract: “PAYS Beats Next Quarterly Revenue & EPS Consensus + Hyperscaler AI CapEx Holds Record Pace”
INTERACTIVE 12-MONTH POSITION SIMULATOR

Drag to Test Your PAYS Position Size: $10,000

Shares at $13.93: 717.9 sh
$1,000$10,000$25,000$50,000$100,000
12M Bear Case FloorTarget $11.40
$8,184
$-1,816 (-18.2%)
12M Consensus BaseTarget $14.62
$10,495
+$495 (+5.0%)
12M Bull Case BreakoutTarget $17.25
$12,383
+$2,383 (+23.8%)

Wall Street Analyst Breakdown & Historical Accuracy Audit (28 Desks)

Street Historical Accuracy: 64/100
● Strong Buy / Buy: 17● Hold: 9● Sell: 2
Wall Street FirmStance12M Target1Y AccuracyTrack Grade
Morgan StanleyInstitutional Equity DeskHOLD$1574%A
Goldman SachsSector Coverage LeadBUY$1669%B
JP MorganUS Large-Cap ResearchHOLD$1358%C
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (PAYS Tape Review)

  • ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
  • ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
  • ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?
PAYS // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +103.36%🛡️ HOLDING TREND SUPPORT
2026-11-02O $13.97H $14.34L $13.93C $13.93VOL 483.3K
RES: $16.55SUP: $13.81SMA50: $13.77SMA200: $8.38
$16.94$13.66$10.37$7.08$3.79RES $16.55SUP $13.81$13.932026-05-042026-06-172026-08-042026-09-172026-11-02
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

PAYS Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)
48.0%/yr Implied 5Y Growth

vs. +40.5% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on PAYS today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for PAYS. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for PAYS today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (PAYS)

Technology Rank #111 of 714 ⚔️ HQ vs PAYS Full Matrix →

1. Head-to-Head Technology Peer Comparison (PAYS vs. HQ, PLTK, TASK, OSPN)

Industry: EDP Services (163 Tracked Issuers)

Across 714 tracked Technology securities in the Roarable RQD universe, Paysign Inc. (PAYS) ranks #111 by composite RQD confidence (69/100, grade C+) and #370 by equity capitalization ($809.7M). Within this direct 5-issuer industry benchmark cohort, TASK leads on earnings valuation at 7.3x trailing P/E, while OSPN leads on capital efficiency and profitability with 19.0% ROIC and 73.8% gross margin. OSPN currently holds the highest overall quantitative score in the immediate peer group at 71/100 (B-) compared with PAYS at 69/100 (C+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
PAYS ACTIVE
Paysign Inc.
C+ 69/100 107.2x 59.4% 10.6% -2.86% $809.7M Benchmark Subject
HQ
Horizon Quantum Holdings Ltd. (Class A)
D+ 52/100 — — — -8.35% $826.9M /hq-vs-pays →
PLTK
Playtika Holding Corp.
E 28/100 — 72.5% -0.3% +0.51% $751.4M /pltk-vs-pays →
TASK
TaskUs Inc. (Class A)
C+ 68/100 7.3x — 18.3% +2.34% $743.6M /task-vs-pays →
OSPN
OneSpan Inc.
B- 71/100 10.2x 73.8% 19.0% +27.35% $742.6M /ospn-vs-pays →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001496443

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Paysign Inc. (PAYS) reported GAAP revenue of $82.0M (+40.5% vs. FY2024 revenue of $58.4M , and +73.5% cumulative change since FY2023) , GAAP net income of $7.6M, operating cash flow of $52.5M, and free cash flow of $51.2M (+127.6% YoY). On the balance sheet, PAYS closed FY2025 with $276.3M in total assets against $6.1M in total debt (Altman Z-Score: 2.70, Piotroski F-Score: 9/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $82.0M $7.6M $52.5M $51.2M $276.3M $6.1M
FY2024 (FY) 2024-12-31 $58.4M $3.8M $22.9M $22.5M $179.0M $0
FY2023 (FY) 2023-12-31 $47.3M $6.5M $27.6M $27.6M — —

3. PAYS Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is PAYS stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-02, Paysign Inc. (NASDAQ: PAYS) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 69/100 at a spot price of $13.93 (-2.86% 1D, market cap $809.7M). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 13/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 12/20. Across 714 tracked Technology issuers, PAYS ranks #111 in composite RQD confidence.

How does PAYS compare to HQ and PLTK in the Technology sector?

Within the Technology sector (EDP Services), PAYS carries a Roarable C+ (69/100 RQD), trailing P/E of 107.2x, gross margin of 59.4%, and ROIC of 10.6%. By comparison, HQ (Horizon Quantum Holdings Ltd. (Class A)) holds a D+ grade (52/100 RQD, P/E N/A, ROIC —, cap $826.9M) and PLTK (Playtika Holding Corp.) posts a E grade (28/100 RQD, P/E N/A, ROIC -0.3%, cap $751.4M). Among the 5-stock peer group, TASK leads on earnings multiple (7.3x) while OSPN leads on capital efficiency (19.0% ROIC).

What are the biggest fundamental strengths and SEC risk factors for PAYS?

Per PAYS's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001496443), Paysign Inc. generated $82.0M in revenue (+40.5% YoY), $7.6M in net income, and $51.2M in free cash flow against $276.3M in total assets and $6.1M in total debt. Key quantitative strengths: Strong cash generator (59% profit margin)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Priced at 107x earnings—high expectations leave less room for a lukewarm quarter.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is PAYS trading relative to its 50-day, 200-day, and 52-week technical levels?

PAYS last traded at $13.93 (-2.86% on volume of 503,745 shares), positioning the stock +1.16% above its 50-day simple moving average ($13.77) and +66.23% above its 200-day simple moving average ($8.38). Across its 52-week range of $3.08 to $16.15, PAYS sits at the 83.0% percentile with a 14-day RSI of 50.0 (NEUTRAL RANGE) and an implied next-earnings move of ±11.6% ($12.31 to $15.55).

PAYS Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

What is PAYS's 12-month stock price target?

Paysign Inc. (PAYS) carries a 12-month consensus base price target of $14.62 (+5% from $13.93), with a bull-case target of $17.25 and a bear-case floor of $11.4.

Is PAYS stock a Buy, Hold, or Sell right now?

Roarable's 5-Pillar RQD Quant Engine rates PAYS C+ (Hold — HOLD) with an RQD Confidence score of 69/100.

ROARABLE RATING BRIEF • RQD 69/100 (C+) ✓ STAGE-C NUMBER FIREWALL VERIFIED

PAYS — Paysign Inc.: What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5
As of: 2026-11-02T15:32:42Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, PAYS scores 69 out of 100, a C+ grade, with the verdict "Roarable Hold — Upper Neutral / Watch for Breakout." The five pillars are:

  • Fundamental Cash Engine: 15 / 20. Per the RQD rating, this pillar reflects ROIC of 10.6% and an FCF yield of 6.33%. A reasonable cash-generation profile supports the score, but it is not the strongest pillar.
  • Whale 13F Flow: 13 / 20. The RQD rating cites institutional accumulation and options positioning. The source data does not break out the specific 13F filers or option flows behind this score.
  • Insider Conviction: 12 / 20. The RQD rating cites SEC Form 4 and Congressional PTR cluster flow. A CEO sale of $766,895 is reported in the news wire (see Recent Catalysts), which is a modest negative input relative to the score.
  • Macro Regime Fit: 16 / 20. Per the RQD rating, beta is 1.0 with sector sensitivity. This is the highest pillar, indicating the stock's market sensitivity is consistent with the broader market rather than amplifying it.
  • Forensic Balance Sheet: 13 / 20. Per the RQD rating, Altman Z is 2.7, Piotroski F is 9/9, and Debt/Equity is 0.13. The forensic metrics are strong, yet the pillar score is held back relative to them.

For a prospective investor, the rating implies a balanced setup rather than a clear directional signal. Upside drivers are the strong Piotroski reading, low leverage, and a cash-generation profile that the RQD rating rates reasonably well. Valuation is the principal tradeoff: the market data shows a trailing P/E of 107.2 and EV/EBITDA of 97.2, which leaves little margin for error if growth or margins disappoint. The rating's "Watch for Breakout" language suggests the stock's next meaningful move depends on whether earnings growth continues to close the gap between price and reported earnings. This is an analytical framing of the source data, not a recommendation.

Snapshot

PriceMarket CapP/E (TTM)Forward P/EEV/EBITDAEPS (TTM)Dividend YieldBeta52-Wk RangeROIC %
14.34$809.7M107.29097.20.130%1.0$3.08 - $16.1510.6%

Recent Catalysts & News Wire Analysis

  • Insider selling: A headline reports CEO Mark Newcomer sold $766,895 of PAYS stock (Investing.com, flagged YELLOW, market wire).
  • Growth and fundamentals: A ChartMill headline describes PAYS as standing out for high growth and improving fundamentals (flagged GREEN, catalyst).
  • Earnings anticipation: An Investor's Business Daily headline references the stock vaulting 203% to highs with earnings on deck (flagged YELLOW, market wire).
  • Valuation flag: A GuruFocus headline states the stock is up 3.6% but GF Value says overvalued, with a GF Score of 62/100 (flagged YELLOW).
  • Price action: A MarketBeat headline reports the stock up 3.8% (flagged YELLOW).
  • Forecast coverage: A StockInvest.us headline covers a stock price forecast (flagged YELLOW).

Risk watch items: the insider sale, the overvaluation flag, and the upcoming earnings event referenced in the IBD headline. The Butterfly Supply-Chain Graph reports no proprietary signals (see next section).

Open Questions

  • What specific products and customers generate the reported revenue growth from $47.3M to $82.0M?
  • What is the cash balance for any reported period, given that cash is N/A across all three filings?
  • What are the EPS figures for the reported fiscal years, given that EPS is N/A across all three filings?
  • What do the 13F filings and Congressional PTR flows actually show behind the whale and insider pillar scores?
  • What does the upcoming earnings event referenced in news coverage contain, and how does it bear on the valuation multiples?

PAYS Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Paysign Inc. (PAYS) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to PAYS Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

PAYS Bull vs. Bear Conversation Board — What's Your Call at $13.93?

🐂 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON PAYS 🐻 50% BEARISH CONVICTION
1. Pick Your Side on PAYS:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
RO RoarDesk_Moderator Roarable Research Desk ⚖️ DEBATE HOST 🎯 Target: $15.49 (+8.0%)
📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is PAYS (C+ • RQD 69/100) a Buy at $14.34?

Welcome to the PAYS (Paysign Inc.) Roar Pit. Current RQD Composite is 69/100 (Roarable Hold — Upper Neutral / Watch for Breakout) in EDP Services. Bulls point to operating leverage and sector positioning, while bears focus on valuation multiple compression (107.2x trailing P/E). Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

RE RedlineAuditor Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $11.47 (-20.0%)
Spot @ $14.34

Pump the brakes on PAYS — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on PAYS, but look at what you are paying: 107.2x trailing P/E with 59.4% gross margins. Unless Paysign Inc. expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

SI SiliconVal_Bull Verified K Arena Trader 🐂 BULLISH 🎯 Target: $17.64 (+23.0%)
Spot @ $14.34

PAYS cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on PAYS, the market is fixating on short-term headline noise in EDP Services and ignoring the balance sheet and cash flow trajectory. At $14.34 (52-wk range $3.08 - $16.15), any beat on forward guidance forces shorts and underweight funds to chase.

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