Paysafe Limited

PSFE

Information Technology Services · Technology

Price

$8.15

-0.30 (-3.55%)

Market Cap

$421.2M

Winston Score

Winston is worried

Below-average fundamentals — multiple weak pillars.

Share count falling — buybacks

−3.7% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 60.3M (2021) → 58.1M (2025)

Paysafe Limited is a payments company that helps people send and receive money online. Its main products include digital wallets, prepaid cards, and payment processing tools used by online merchants, gambling platforms, and gaming companies. Paysafe is especially well-known in markets where people prefer to pay without using a traditional bank account or credit card.

Paysafe makes money by charging fees on transactions processed through its network and by selling payment services to businesses. It operates mainly in North America and Europe and handles billions of dollars in payments each year. The company has a foothold in regulated industries like online gambling, where switching payment providers is difficult, but it carries a heavy debt load from past acquisitions and faces intense competition from larger rivals like PayPal and Stripe, which is a significant ongoing risk to its growth.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+10.4% YoY

YoY Growth Rate

Steady revenue growth

EPS Growth

-115.2% YoY

YoY Growth Rate

Earnings declining

R&D Spend

$0/ year

↓ Declining (-100% vs prior year)

0.0% of revenue

Below sector average (15%)

R&D spend declining — could signal cost-cutting or efficiency

Insider Activity

54.3%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Position

Cash flow positive

$257M cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Growth + cash flow

Paysafe Limited is a rare growth stock that's already generating positive cash flow while growing at 10%. The Winston Score doesn't fully credit this transition from "burner" to "earner."

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Gross Margin

40.6%

Healthy — 40.6% gross margin

Operating Margin

2.4%

Thin — 2.4% operating margin

ROCE

0.3%

Weak — 0.3% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+3.3%

Slow sales growth (3.3% YoY)

EPS YoY

N/A

Data not available

EPS Consistency

0/8 quarters

Earnings rarely grow — volatile business

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Cash Flow

Cash Conversion

N/A

Data not available

FCF Margin

10.0%

Modest free cash flow (10.0%)

FCF margin between 0% and 10%. Some cash from sales, but not a lot.

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Stability

Debt / Equity

4.06

Heavy debt load (4.06)

Interest Cover

0.70x

Dangerous — barely covers interest (0.7x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

P/E Ratio (TTM)

N/M

Negative earnings — P/E not meaningful

P/E vs Forward

N/A

not available

Data not available

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Dividends

Not applicable for this business.

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