PAYS

Paysign, Inc.

Industrials · $754M market cap

Share price

$14.23

close of Oct 3, 2026

Fair value

$3.10

Sticker Price

Payback Price

$1.24

buy price

Overpriced

PAYS is Overpriced: at $14.23 it trades 359% above its fair value of $3.10. Its buy price (Payback Price) is $1.24, 91% below today's price. Business quality is strong: 4 of 5 key numbers clear the 10% bar.

How we valued it

Buffett Normalized. A profitable, growing business, so we project its earnings 10 years ahead and work out what that is worth today.

Business quality

4 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth11.2% a year✓

Equity per share growth23.3% a year✓

Sales growth23.3% a year✓

Free cash flow growth21.8% a year✓

Return on invested capital3.6%✗

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Insider activity

Since Mar 19, 2025: no open-market purchases, 14 sales worth $6.4M and 36 other filings (stock awards, tax withholding and similar). Why purchases matter

Sales

Ngo Michael C

Chief Innovation Officer · 2026-09-09

Sold

$1.0M

Ngo Michael C

Chief Innovation Officer · 2026-09-08

Sold

$900K

Baker Jeffery Bradford

Chief Financial Officer · 2026-08-12

Sold

$442K

Newcomer Mark

CEO · 2026-08-06

Sold

$1.8M

Newcomer Mark

CEO · 2026-07-29

Sold

$469K

Show all 14 sales

Herman Joan M

EVP, Operations · 2026-07-16

Sold

$243K

Herman Joan M

EVP, Operations · 2026-07-15

Sold

$274K

Herman Joan M

EVP, Operations · 2026-06-26

Sold

$801K

Mina Bruce A

director · 2026-06-11

Sold

$71K

Mina Bruce A

director · 2026-06-01

Sold

$71K

Cunningham Bradley Kramer

Chief Technology Officer · 2026-06-01

Sold

$23K

Cunningham Bradley Kramer

Chief Technology Officer · 2026-05-29

Sold

$73K

Herman Joan M

EVP, Operations · 2026-05-26

Sold

$158K

Turner Matthew Baker

PRES., PATIENT AFFORDABILITY · 2026-02-03

Sold

$63K

Other filings

HENRY DANIEL R

director · 2026-08-04

Option exercise

20,000 shares

Mina Bruce A

director · 2026-08-04

Option exercise

20,000 shares

NEWMAN JEFFREY B

director · 2026-08-04

Option exercise

20,000 shares

Triplett Dennis L

director · 2026-08-04

Option exercise

20,000 shares

Lanford Matthew Louis

Chief Payments Officer · 2026-07-31

Tax withholding

$226K

Show all 36 other filings

Lanford Matthew Louis

Chief Payments Officer · 2026-07-31

Option exercise

64,000 shares

Baker Jeffery Bradford

Chief Financial Officer · 2026-07-31

Tax withholding

$255K

Baker Jeffery Bradford

Chief Financial Officer · 2026-07-31

Option exercise

64,000 shares

Herman Joan M

EVP, EFT Operations · 2026-07-31

Tax withholding

$123K

Herman Joan M

EVP, EFT Operations · 2026-07-31

Option exercise

36,000 shares

Strobo Robert

Chief Legal Officer · 2026-07-31

Tax withholding

$226K

Strobo Robert

Chief Legal Officer · 2026-07-31

Option exercise

64,000 shares

Newcomer Mark

CEO · 2026-07-31

Tax withholding

$529K

Newcomer Mark

CEO · 2026-07-31

Option exercise

150,000 shares

Cunningham Bradley Kramer

Chief Technology Officer · 2026-07-31

Tax withholding

$201K

Cunningham Bradley Kramer

Chief Technology Officer · 2026-06-30

Tax withholding

$95K

Baker Jeffery Bradford

Chief Financial Officer · 2026-05-29

Tax withholding

$324K

Strobo Robert

Chief Legal Officer · 2026-05-27

Tax withholding

$279K

Turner Matthew Baker

PRES., PATIENT AFFORDABILITY · 2026-05-22

Tax withholding

$341K

Newcomer Mark

CEO · 2026-05-20

Tax withholding

$484K

Lanford Matthew Louis

Chief Payments Officer · 2026-05-18

Tax withholding

$75K

Cunningham Bradley Kramer

Chief Technology Officer · 2026-05-18

Tax withholding

$73K

Herman Joan M

EVP, Operations · 2026-05-13

Tax withholding

$36K

HENRY DANIEL R

director · 2026-05-08

Award

20,000 shares

Mina Bruce A

director · 2026-05-08

Award

20,000 shares

NEWMAN JEFFREY B

director · 2026-05-08

Award

20,000 shares

Triplett Dennis L

director · 2026-05-08

Award

20,000 shares

Ngo Michael C

Chief Innovation Officer · 2026-03-31

Tax withholding

$228K

Lanford Matthew Louis

Chief Payments Officer · 2025-11-13

Award

66,666 shares

Herman Joan M

EVP, Operations · 2025-11-13

Award

33,333 shares

Newcomer Mark

CEO · 2025-11-13

Award

400,000 shares

Baker Jeffery Bradford

Chief Financial Officer · 2025-11-13

Award

200,000 shares

Strobo Robert

Chief Legal Officer · 2025-11-13

Award

200,000 shares

Turner Matthew Baker

PRES., PATIENT AFFORDABILITY · 2025-11-13

Award

233,333 shares

Ngo Michael C

Chief Innovation Officer · 2025-03-19

Award

500,000 shares

Ngo Michael C

Chief Innovation Officer · 2025-03-19

Award

2,500,000 shares

About Paysign, Inc.

Paysign, Inc. provides prepaid card programs, comprehensive patient affordability offerings, digital banking services, and integrated payment processing services for businesses, consumers, and government institutions. The company offers solutions for corporate rewards, prepaid gift cards, general-purpose reloadable debit cards, employee incentives, consumer rebates, donor compensation, clinical trials, healthcare…

Specialty Business Services

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works

Verdict

How we valued it

Business quality

Insider activity

Sales

Other filings

About Paysign, Inc.