Technology · Information Technology Services
Price
$7.42
Market Cap
$383.4M
Employees
3,300
Beta
1.76
Avg Volume
337,519
CEO
Bruce F. Lowthers
Business Description
Paysafe Limited delivers comprehensive digital commerce solutions to a global clientele, including online businesses, small and medium-sized merchants, and individual consumers. The company operates through two main segments: US Acquiring and Digital Commerce. Under the brands Paysafe and Petroleum Card Services, the company provides secure, PCI-compliant services for payment acceptance and transaction processing. These core offerings encompass merchant acquiring, a suite of online processing tools, robust fraud and risk management, insightful data and analytics, point-of-sale (POS) systems, and merchant financing solutions. Beyond traditional processing, Paysafe offers a diverse range of innovative payment methods. This includes popular digital wallet services like Skrill and NETELLER, as well as its pay-by-bank solution, Rapid Transfer. The company also specializes in eCash solutions such as Paysafecash, which allows users to complete online purchases by paying in cash offline, and the prepaid paysafecard. Additionally, it offers a paysafecard prepaid Mastercard, linkable to a digital paysafecard account for broader purchasing capabilities. For online and software-integrated merchants, Paysafe develops integrated e-commerce capabilities. This includes an online toolkit designed to help businesses establish and scale their digital commerce presence, alongside turn-key payment gateway solutions that ensure vital connectivity between merchant websites and payment processing providers. Furthermore, Paysafe manages critical connections to various financial networks, including card processing networks, acquiring banks, and transaction processors. Its extensive services also cover gateway connectivity, shopping cart integration, advanced tokenization and encryption, sophisticated fraud and risk management systems, and support for a multitude of alternative payment methods and e-commerce platform integrations. Paysafe Limited is headquartered in London, United Kingdom.
Business History
Price History (1 Year)
Revenue & Net Income Trend
The directional story — useful even when net income is negative.
Revenue
The top line — total sales before any costs or taxes are subtracted. A measure of how much business the company is doing.
Net Income
The bottom line — profit left after subtracting all expenses, interest, and taxes from revenue. Reflects accounting profitability, but includes non-cash items like depreciation, so it isn't the same as cash earned.
Operating Cash Flow
The real cash generated by the day-to-day business — selling products, paying suppliers, collecting from customers. Calculated from net income by adding back non-cash items and adjusting for timing (unpaid bills, unsold inventory). When OCF consistently lags net income, the reported profit may not be converting to real money.
| Period | Revenue | Net Income | Net Margin | YoY/QoQ |
|---|
Key Metrics
API Direct from provider
CALC Derived from statements
P/E Ratio (Price per dollar of earnings)
CALCStock Price / EPS (Diluted)
-2.36
Stock Price: $7.42
EPS (Diluted): -3.14
EPS (Diluted): -3.14
P/B Ratio (Price vs net asset value)
APIStock Price / Book Value Per Share
0.72
Stock Price: $7.42
Total Equity: $655.04M
Shares: 58,100,000
Total Equity: $655.04M
Shares: 58,100,000
EV/EBITDA (Total value vs operating profit)
APIEnterprise Value / EBITDA
7.61
Market Cap: $383.44M
Total Debt: $2.62B
Cash: $1.35B
EBITDA: $338.46M
Total Debt: $2.62B
Cash: $1.35B
EBITDA: $338.46M
Enterprise Value (Takeover price (cap + debt - cash))
APIMarket Cap + Total Debt - Cash
$1.8B
Market Cap: $383.44M
Total Debt: $2.62B
Cash: $1.35B
Total Debt: $2.62B
Cash: $1.35B
P/S Ratio (Price per dollar of revenue)
APIStock Price / Revenue Per Share
0.28
Stock Price: $7.42
Revenue: $1.70B
Shares: 58,100,000
Revenue: $1.70B
Shares: 58,100,000
EV/Sales (Total value vs revenue — works when P/E can't)
API1.05
Gross Margin (Revenue left after direct costs)
APIGross Profit / Revenue
40.3%
Gross Profit: $686.08M
Revenue: $1.70B
Revenue: $1.70B
Operating Margin (Revenue left after all operations)
APIOperating Income / Revenue
7.2%
Operating Income: $122.44M
Revenue: $1.70B
Revenue: $1.70B
Net Margin (Revenue left as actual profit)
APINet Income / Revenue
-10.7%
Net Income: -$182.51M
Revenue: $1.70B
Revenue: $1.70B
ROE (Profit from shareholder equity)
APINet Income / Total Equity
-28.6%
Net Income: -$182.51M
Total Equity: $655.04M
Total Equity: $655.04M
ROIC (Profit from all invested capital)
APINOPAT / Invested Capital
2.9%
Operating Income: $122.44M
Tax Rate: -153.3%
Equity: $655.04M
Total Debt: $2.62B
Cash: $1.35B
Tax Rate: -153.3%
Equity: $655.04M
Total Debt: $2.62B
Cash: $1.35B
Current Ratio (Can it pay short-term bills)
APICurrent Assets / Current Liabilities
1.24
Current Assets: $1.75B
Current Liabilities: $1.41B
Current Liabilities: $1.41B
Debt/Equity (Leverage — debt vs equity)
CALCTotal Debt / Total Equity
4.01
Short-Term Debt: $19.21M
Long-Term Debt: $2.61B
Total Debt: $2.62B
Total Equity: $655.04M
Long-Term Debt: $2.61B
Total Debt: $2.62B
Total Equity: $655.04M
Rev/Share (Top-line per share)
CALCRevenue / Shares Outstanding
$29.28
Revenue: $1.70B
Shares: 58,100,000
Shares: 58,100,000
Book Value/Share (Net assets per share)
CALC(Total Assets - Total Liabilities) / Shares
$11.27
Total Equity: $655.04M
Shares: 58,100,000
Shares: 58,100,000
FCF/Share (Real cash generated per share)
CALC(Operating Cash Flow + CapEx) / Shares
$3.85
Operating CF: $236.16M
CapEx: -$12.58M
Shares: 58,100,000
CapEx: -$12.58M
Shares: 58,100,000
CapEx is negative (outflow) — added to OCF to get FCF
Div Yield (Annual income from holding)
APILast Annual Dividend / Stock Price
0.0%
Last Dividend: N/A
Stock Price: $7.42
Stock Price: $7.42
Payout Ratio (Earnings paid out as dividends)
Dividends Paid / Net Income
—
Dividends Paid: N/A
Net Income: -$182.51M
Net Income: -$182.51M
Dividends paid not available in cash flow statement
Industry Benchmarks
Compares PSFE against LLM-researched typical ranges for its
industry. One research call per industry, cached indefinitely — every stock in the same industry
reuses the same baseline.
Deep Analysis
Pre-flight intelligence scans the company first, then routes to the right analytical methods.
0
Company Classification
— What type of company is this?
1
Industry Landscape
— Where is the industry headed?
2
Company Momentum
— Where is this company trending?
3
Forward Projection
— 1Y & 2Y projected metrics (requires Layer 1 + 2)
4a
DCF Valuation
— Present value of future cash flows
4b
Earnings Power Value
— Floor value — worth with zero growth
4c
Anchored PE
— Industry PE adjusted for growth differential
4d
Reverse DCF
— What growth is the market pricing in?
4e
Revenue-Based DCF
— For growth/narrative companies (skip if mature earner)
4f
Anchored P/S
— Price-to-Sales peer comparison (skip if mature earner)
4g
Scenario Analysis
— Bull / Base / Bear (skip if mature earner)
4h
Dividend Discount Model
— For dividend/income stocks only
4i
Book Value Analysis
— For deep value / turnaround stocks only
4j
Insider Activity
— Are insiders buying or selling?
4f
Cash Flow Quality
— How trustworthy is the FCF?
4g
Debt Maturity Risk
— Can it handle its debt?
4h
Macro Environment
— Rates, market valuation, volatility
4i
Sector Intelligence
— How does this company compare within its sector?
4j
Revenue Confidence
— How reliable is the growth projection?
4k
Sensitivity Analysis
— How fragile is the fair value estimate?
4l
Sector Demand Cycle
— Is the sector in a boom, steady state, or contraction?
5
AI Investigation
— Adaptive research engine (Claude)
5b
Thesis Evaluation
— What does the market believe? (narrative/platform stocks only)
6
Valuation Synthesis
— Weighted verdict from all methods (requires Layer 4)
Income Statement (Annual)
Last updated: Jun 21, 2026 6:52pm (5d ago)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Revenue | $1.5B | $1.5B | $1.6B | $1.7B | $1.7B |
| Cost of Revenue | $599.8M | $614.0M | $663.2M | $715.8M | $1.0B |
| Gross Profit | $887.2M | $882.1M | $937.9M | $989.1M | $686.1M |
| Operating Expenses | $1.2B | $2.8B | $779.3M | $855.7M | $563.6M |
| Operating Income | -$269.3M | -$1.9B | $158.7M | $133.4M | $122.4M |
| Net Income | -$111.0M | -$1.9B | -$20.3M | $22.2M | -$182.5M |
| EBITDA | $342.1M | $292.8M | $427.6M | $412.3M | $338.5M |
| EPS | $-1.83 | $-30.77 | $-0.33 | $0.36 | $-3.14 |
| EPS (Diluted) | — | — | — | — | — |
Balance Sheet (Annual)
Last updated: Jun 21, 2026 6:52pm (5d ago)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Cash & Equivalents | $313.4M | $260.2M | $202.3M | $216.7M | $1.3B |
| Total Current Assets | $2.3B | $2.5B | $1.9B | $1.7B | $1.8B |
| Total Assets | $7.3B | $6.0B | $5.2B | $4.8B | $4.8B |
| Current Liabilities | $1.7B | $2.3B | $1.7B | $1.4B | $1.4B |
| Long-Term Debt | $2.7B | $2.6B | $2.5B | $2.4B | $2.6B |
| Total Liabilities | $4.6B | $5.1B | $4.3B | $3.9B | $4.1B |
| Total Equity | $2.6B | $859.6M | $883.3M | $879.3M | $655.0M |
| Retained Earnings | -$376.8M | -$2.2B | -$2.3B | -$2.2B | -$2.4B |
Cash Flow (Annual)
Last updated: Jun 21, 2026 6:52pm (5d ago)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | $261.5M | $917.3M | $234.0M | $253.8M | $236.2M |
| Capital Expenditure | -$147.7M | -$4.5M | -$132.9M | -$120.5M | -$12.6M |
| Free Cash Flow | $113.7M | $912.8M | $101.1M | $133.3M | $223.6M |
| Acquisitions (net) | -$263.5M | -$424.7M | $0 | $0 | $1.9M |
| Debt Repayment | — | — | — | — | — |
| Dividends Paid | — | — | — | — | — |
| Stock Buybacks | $0 | -$6.9M | -$8.5M | -$50.5M | -$101.4M |
| Net Change in Cash | $207.9M | -$53.2M | -$628.9M | -$199.7M | $1.1B |
Analyst Estimates (Annual)
Last updated: Jun 27, 2026 8:27am (1h ago)| Metric | 2025 | 2026 | 2027 | 2028 |
|---|---|---|---|---|
| Revenue |
$1.7B $1.7B – $1.7B
|
$1.8B $1.8B – $1.8B
|
$1.9B $1.9B – $2.0B
|
$2.0B $2.0B – $2.0B
|
| EBITDA |
$386.4M $382.2M – $390.9M
|
$409.7M $405.3M – $414.5M
|
$436.2M $426.2M – $448.4M
|
$452.4M $447.6M – $457.7M
|
| Net Income |
$108.1M $106.5M – $109.7M
|
$126.4M $124.6M – $128.2M
|
$149.6M $147.6M – $151.9M
|
$204.4M $201.5M – $207.5M
|
| EPS | — | — | — | — |
Growth Trends (YoY %)
Last updated: Jun 21, 2026 6:52pm (5d ago)| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Revenue Growth | +0.6% | +7.0% | +6.5% | -0.2% |
| Gross Profit Growth | -0.6% | +6.3% | +5.5% | -30.6% |
| Operating Income Growth | -595.2% | +108.5% | -15.9% | -8.2% |
| Net Income Growth | -1,578.8% | +98.9% | +209.4% | -923.6% |
| EBITDA Growth | -14.4% | +46.0% | -3.6% | -17.9% |
Insider Trading (Recent)
Last updated: Jun 27, 2026 8:27am (1h ago)
Type codes
PPurchase
SSale
AAward / grant
MOption exercise
FIn-kind (tax)
CConversion
GGift
DReturn to issuer
All SEC Form 4 codes
Open market
- P Purchase
- Open-market or private purchase of shares.
- S Sale
- Open-market or private sale of shares.
Compensation (Rule 16b-3)
- A Award / grant
- Grant or award of securities (RSUs, options, etc.) under Rule 16b-3.
- D Return to issuer
- Securities disposed back to the company under Rule 16b-3.
- F In-kind (tax)
- Shares withheld or delivered to pay the option-exercise price or tax — not an open-market sale.
- I Discretionary
- Discretionary transaction under an employee plan — Rule 16b-3(f).
- M Option exercise
- Exercise or conversion of a derivative (option/RSU) into shares — exempt.
Derivatives
- C Conversion
- Conversion of a derivative security into the underlying shares.
- E Short expiration
- Expiration of a short derivative position.
- H Long expiration
- Expiration or cancellation of a long derivative position with value received.
- O OTM exercise
- Exercise of an out-of-the-money derivative.
- X ITM exercise
- Exercise of an in-the-money or at-the-money derivative.
Other exempt
- G Gift
- Bona fide gift of securities.
- L Small acquisition
- Small acquisition under Rule 16a-6.
- W Inheritance
- Acquisition or disposition by will or the laws of descent.
- Z Voting trust
- Deposit into or withdrawal from a voting trust.
Other
- J Other
- Other acquisition or disposition (explained in a Form 4 footnote).
- K Equity swap
- Transaction in an equity swap or similar instrument.
- U Tender / buyout
- Disposition via tender of shares in a change-of-control transaction.
Compensation-plan codes (A, D, F, M) are routine and rarely directional. Open-market P (buy) and S (sale) carry the most signal.
| Date | Insider | Type | Shares | Price | Value |
|---|---|---|---|---|---|
| 2026-05-26 | Jabbour Anthony M | A-Award | 22,157.00 | $7.56 | $167,507 |
| 2026-05-26 | Jabbour Anthony M | F-InKind | 9,080.00 | $7.56 | $68,645 |
| 2026-05-26 | KEELEY RUPERT | A-Award | 22,157.00 | $7.56 | $167,507 |
| 2026-05-26 | KEELEY RUPERT | F-InKind | 10,414.00 | $7.56 | $78,730 |
| 2026-05-26 | Heiss Marianne | A-Award | 22,157.00 | $7.56 | $167,507 |
| 2026-05-26 | Heiss Marianne | F-InKind | 1,241.00 | $7.56 | $9,382 |
| 2026-05-26 | Brooker Mark | A-Award | 22,157.00 | $7.56 | $167,507 |
| 2026-05-26 | Brooker Mark | F-InKind | 10,414.00 | $7.56 | $78,730 |
| 2026-05-26 | Caride Ignacio | A-Award | 22,157.00 | $7.56 | $167,507 |
| 2026-05-26 | Caride Ignacio | F-InKind | 10,040.00 | $7.56 | $75,902 |
| 2026-05-26 | Thompson Peter Benjamin | A-Award | 22,157.00 | $7.56 | $167,507 |
| 2026-05-26 | Thompson Peter Benjamin | F-InKind | 9,708.00 | $7.56 | $73,392 |
| 2026-05-26 | Timpone Karin Mullane | A-Award | 22,157.00 | $7.56 | $167,507 |
| 2026-05-26 | Timpone Karin Mullane | F-InKind | 9,708.00 | $7.56 | $73,392 |
| 2026-05-26 | Henson Daniel S | A-Award | 46,297.00 | $7.56 | $350,005 |
| 2026-05-26 | Henson Daniel S | F-InKind | 17,056.00 | $7.56 | $128,943 |
| 2026-05-26 | Kollmann Dagmar | A-Award | 22,157.00 | $7.56 | $167,507 |
| 2026-05-26 | Kollmann Dagmar | F-InKind | 355.00 | $7.56 | $2,684 |
| 2026-05-15 | Swales Richard | S-Sale | 10,000.00 | $7.69 | $76,866 |
| 2026-05-08 | Caride Ignacio | 0.00 | $0.00 | $0 |
Narrative Economics
The story the market is telling about this stock — the intangible X-factor
(founder mythology, cult dynamics, TAM-of-imagination) that moves price beyond
what cash flows alone explain. After Shiller, Narrative Economics.
No narrative profile yet for PSFE — it's generated by the pipeline (
market-narrative step).
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Data via Financial Modeling Prep · Cached for performance · fmp
v1.1.352 · d1100787 · 2026-06-26 11:39:30