PAYS
Paysign, Inc. Common Stock
SERVICES-BUSINESS SERVICES, NEC
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Paysign (PAYS) Stock: Buy, Sell, or Hold?
$9.49
+0.01 (+0.11%)
▲
5d:
-33.73%
30d:
-37.4%
90d:
-27.94%
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70/30 Portfolio Builder
Earnings: Nov 09, 2026
0d
Protect PAYS Gains
Updated Nov 12, 12:00 AM ET
QUANTITATIVE VERDICT
WAIT
LOW Confidence (57%)
Quality Score
52/100
Position
OVERSOLD
30-Day Fair Range
$12.59 – $15.93
Position: OVERSOLD
Forward P/E & Valuation
15.4x
CHEAP
vs 18.8x historical avg
Wall Street Target
$14.15
+49.1% upside
Options IV & Volume
HIGH Vol
HIGH volume confirmation
Support / Resistance
$9.16 / $15.88
Trend: Strong Uptrend
Executive Thesis & Bottom Line
Forward Earnings Fair Value & Price Prediction →
⏸️ WAIT FOR STABILIZATION: PAYS is down 33.7% over the last 5 days. While fundamentals may be solid, catching a falling knife is risky. Wait for price to stabilize before entering.
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Interactive Price Chart (1 Month)
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Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$19.99
Based on 11.7% avg growth
INTRINSIC VALUE TODAY
$12.41
23.5% Margin of Safety
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 18.8x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: PAYS is currently trading at $9.49, which is considered oversold relative to its 30-day fair value range of $12.59 to $15.93. From a valuation perspective, the stock is trading at a discount (Forward PE: 15.4) compared to its historical average (18.8). Remarkably, the market is currently pricing in an annual earnings decline of 6.3% over the next few years. This pessimistic expectation contrasts with the company's recent 175.0% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, PAYS is in a strong uptrend. Immediate support is located at $9.16, while resistance sits at $15.88.
Market Sentiment: PAYS scores 35/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $14.15 (+49.1%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, PAYS is in a strong uptrend. Immediate support is located at $9.16, while resistance sits at $15.88.
Market Sentiment: PAYS scores 35/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $14.15 (+49.1%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$12.59 -
$15.93
Company Quality Score
52/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
57.1%
Trading Range & Key Levels
30-Day Trading Range
$12.59 -
$15.93
Current vs Trading Range
OVERSOLD
Support Level
$9.16
Resistance Level
$15.88
Current Trend
Strong Uptrend
Technical data as of
Nov 12, 2026
Protect Your Profits
Holding PAYS? Use our AI-powered strategies to protect your downside while keeping your long-term position.
View Profit Protection PlanQuantitative Signal Breakdown
- BULLISH: Price oversold vs 30-day range
- BEARISH: Weak technical setup (35/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 49.1% below Wall St target ($14.15)
- WARNING: Composite score 52/100 in the bottom quintile — this cohort historically lags the market
Fundamental Context
Forward P/E (Next Year Est.)
15.43
Wall Street Target
$14.15
(+49.1%)
Revenue Growth (YoY)
42.6%
Earnings Growth (YoY)
175.0%
Profit Margin
18.5%
Valuation Discount vs History
-6.3% cheaper
PE vs Historical
15.4 vs 18.8
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-6.3%
(market-implied from PE analysis)
1-Year Target
$8.89
(-6%)
2-Year Target
$8.33
(-12%)
3-Year Target
$7.81
(-18%)
3-Yr Target (if PE normalizes)
(PE: 15→19)
$9.51
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 19.4%)
$20.80
(+119%)
Base:
(SPY PE: 15.4, Growth: 19.4%)
$16.16
(+70%)
Bear:
(PE: 13.1, Growth: 19.4%)
$13.74
(+45%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (31x PE), but valuation improves significantly next year (15x PE) as earnings recover.
Trailing PE: 30.73 | Current EPS (TTM): $0.33
Bull Case
$20.79
(+119%)
Analyst growth 86.4%, PE expands to 33.8
Base Case
$18.90
(+99%)
Market implied 86.4%, PE stable at 30.7
Bear Case
$6.90
(-27%)
Severe decline -20.0%, PE contracts to 26.1
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 15.4 to 18.8
Stabilization Target:
$11.56
(+21.8%)
PE Expansion Potential:
+21.8%
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bloggers & journalists: you are free to use our charts with attribution.Reddit & Retail Trader Sentiment (PAYS)
Bearish
3 Retail Mentions
Reddit / WSB Comments
1
Bearish
StockTwits Volume
2 msgs
24h retail stream
Last Tracked
Nov 10, 2026
Daily AI digest
AI Retail Discussion Summary:
Paysign reported record third quarter revenue of $30.8 million, up 43% YoY, with operating margin more than tripling to 23.8%. The company also raised full-year 2026 revenue outlook.
Key Retail Themes:
Revenue growth and margin expansion
Impact of plasma center closures
Aggregated from r/wallstreetbets, r/stocks & StockTwits streams.
View All Trending Reddit & WSB Stocks →
Last updated: November 12, 2026 5:40 PM ET
Data refreshes hourly during market hours. Next update: 6:40 PM
Data refreshes hourly during market hours. Next update: 6:40 PM
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Technical Signals Check
Is PAYS showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
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