Paysafe Ltd (PSFE) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Paysafe Ltd stock $20.04, price $6.68, upside +200.0%, quality 49 out of 100. Rating: strongly undervalued. Calculated from audited financials with 11 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.
How to read this chart
60‑month range $5.38 – $131.28 · fair‑value band $11.77 – $29.04 · the $6.68 price screens below the $20.04 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.
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Paysafe Limited provides digital payment solutions in the United States, Germany, the United Kingdom, and internationally. The company operates through two segments, Merchant Solutions and Digital Wallets.
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The Merchant Solutions segment offers payment acceptance and transaction processing solutions for merchants and integrated service providers, including merchant acquiring, transaction processing, gateway solutions, fraud and risk management tools, data and analytics, point of sale systems, and merchant financing solutions, as well as support services under the Paysafe and Petroleum Card Services brands.
Its Digital Wallets segment provides digital wallet solutions under the Neteller, Skrill, PaysafeWallet, and PagoEfectivo brands; eCash solutions under the PaysafeCard, PaysafeCash, viafintech, SafetyPay, and PagoEfectivo brands; and pay-by-bank solutions under the Rapid Transfer brand.
The company also offers digital commerce solutions for specialized industry verticals, including travel, streaming and video gaming, retail and hospitality, and digital assets, as well as iGaming, which covers online betting related to sports, e-sports, fantasy sports, poker, and other casino games.
Paysafe Limited was founded in 1996 and is based in London, the United Kingdom.
Stock analysis
Paysafe Ltd (PSFE) currently trades at $6.68, while our model-based Fair Value estimate is $20.04, implying the stock looks roughly 67% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $31.13 per share, and 9 of the 10 models we run sit above the $6.68 price.
Bear case: the Growth DCF group reads lowest at $17.27, and 1 of the 10 models stay below the price. Data coverage for this calculation is low.
Scenario range: $11.77 (bear) to $29.04 (bull), the price of $6.68 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 49/100 (below-average quality), in the Technology sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Paysafe Ltd reported revenue of $1.7B in FY2025 versus $1.5B in FY2021, a compound +3.4%/yr. Reported net income was −$183M in FY2025.
Key figures
Market cap $349M Small · P/S ratio 0.16 · EPS (TTM) $−3.83 · Net margin −11.8% · Return on equity −30.3% · Return on assets (EBIT) −5.4% (5-year average) · Operating margin 2.7% · Revenue (TTM) $1.8B.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 13 out of 100 (medium confidence).
What moves the price
The share trades about 37% below its 52-week high and 24% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Technology peers we cover trades at −11% fair-value upside, at 200%, PSFE screens cheaper than that median.
Fair Value models
Bear$11.77Fair Value $20.04Bull$29.04
Price $6.68 · Upside +200.0%
Capped: our models arrive at a very high value here. We deliberately show a more cautious Fair Value.
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
In the last 6 months, one officer or director sold shares worth $142,700 and none bought.
SaleRichard SwalesChief Risk & Compliance Ofcr.3× since Mar 19, 2026: 38,849 shares, avg. $7.01$272,193Aug 14, 202610b5-1 plan
Plus 16 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.36/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
−0.2%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+4.4%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+3.6%
Start year 2020 (pandemic)
Revenue growth 7 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+5.9%
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Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
1.4% (2020) → 7.2% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Software - Infrastructure · 346 stocks
Beats the industry median on 4/10 measures
A mixed picture versus its industry peers.
Valuation
Quality Score49 · Below median
Fair Value upside+200.0% · Top 25%
Profitability
Return on assets−3.8% · Below median
Net margin (12 months)−11.8% · Bottom 25%
Operating margin (12 months)2.7% · Below median
Growth and dividend
Revenue growth (quarter YoY)4.5% · Below median
Balance sheet
Debt / equity3.98× · Highest 25%
Valuation Multiplesvs Software - Infrastructure median · lower = cheaper
P/B0.53× · book value is mostly goodwill ⓘGoodwill and other intangible assets are larger than the equity. The book value mainly reflects prices paid for past acquisitions, so we do not rank this P/B against the peer group.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Paysafe Ltd Fair Value". https://www.fairvalue-calculator.com/stock/PSFE
Frequently asked questions
Is Paysafe Ltd (PSFE) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of $20.04 versus a price of $6.68, about +200% upside (undervalued).
What is the fair value of PSFE?
Our model-based fair value for Paysafe Ltd is $20.04 (as of Nov 8, 2026), built from audited fundamentals. The current price: $6.68.
What is the quality score of PSFE?
Paysafe Ltd has a Quality Score of 49/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Paysafe Ltd (PSFE)?
Our model-based price target is the fair value of $20.04 (as of Nov 8, 2026) from 11 valuation models. Cautious scenario $11.77, optimistic scenario $29.04. It is a calculation from audited fundamentals, not an analyst target.
What is the Paysafe Ltd stock forecast for 2026?
Our models put fair value at $20.04, about +200% upside versus a price of $6.68 (undervalued). Cautious scenario $11.77, optimistic scenario $29.04. The calculation is refreshed regularly with new filings.
What is the revenue of Paysafe Ltd (PSFE)?
Paysafe Ltd reported trailing-twelve-month revenue of about $1.8B (latest available figure, as of Nov 8, 2026).
What is the intrinsic value of Paysafe Ltd (PSFE)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Paysafe Ltd it is $20.04 per share (as of Nov 8, 2026), against a price of $6.68. It is the blended result of 11 valuation models in 3 families (DCF Models, Multiples, Growth DCF).
Is Paysafe Ltd stock overvalued or undervalued in 2026?
As of Nov 8, 2026, PSFE trades below its calculated fair value: price $6.68, fair value $20.04, a gap of about +200% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of PSFE?
No. The price is what the market pays today ($6.68); the fair value is what the company's own numbers justify ($20.04). For Paysafe Ltd the two are $13.36 per share apart. That gap is exactly why we show both numbers side by side.
How much is Paysafe Ltd worth?
The market values Paysafe Ltd at about $349M (market capitalisation, as of Nov 8, 2026). Per share that is $6.68; our models calculate a fair value of $20.04 per share.
What do the bullish and bearish scenarios say about PSFE?
Our models span a range for Paysafe Ltd: cautious scenario $11.77, base $20.04, optimistic $29.04 per share (as of Nov 8, 2026, price $6.68). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Paysafe Ltd (PSFE)?
Balance-sheet figures for Paysafe Ltd (as of Nov 8, 2026): return on equity −30.3%, debt of 3.98 per unit of equity. They feed the Quality Score of 49/100, which measures business quality independently of the share price.
How far is PSFE from its 52-week high?
Paysafe Ltd trades at $6.68, about 37% below its 52-week high of $10.57 and 24% above the low of $5.38 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $20.04 is for.
Which stocks are comparable to Paysafe Ltd?
From the same area (Technology) we also value Microsoft Corporation, Oracle Corporation, Palantir Technologies Inc, Palo Alto Networks, Inc, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Paysafe Ltd stock attractive at the current price?
The data as of Nov 8, 2026: price $6.68, calculated fair value $20.04 (+200%), Quality Score 49/100, from 11 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of PSFE calculated?
We run Paysafe Ltd through 11 models from 3 families: DCF Models, Multiples, Growth DCF. Every model gets the same audited fundamentals; the fair value of $20.04 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Paysafe Ltd currently trades 67% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Paysafe Ltd (PSFE)?
The closing price on Nov 6, 2026 was $6.68. Our model-based fair value is $20.04, about +200% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Paysafe Ltd right now?
The large discount to fair value meets weak quality (49/100). That raises the risk this is a value trap rather than a bargain. The price is below even our cautious bear case ($11.77). The market is more pessimistic than our downside scenario. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. A fairly wide model range ($11.77 to $29.04) leaves room in how you read the outcome.
Key figures of Paysafe Ltd
How large is the market capitalisation of Paysafe Ltd (PSFE)?
The market capitalisation of Paysafe Ltd is $349M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Paysafe Ltd (PSFE)?
The price-to-sales ratio of Paysafe Ltd is 0.16 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Paysafe Ltd (PSFE)?
Earnings per share at Paysafe Ltd are $−3.83. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Paysafe Ltd (PSFE)?
The net margin of Paysafe Ltd is −11.8% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Paysafe Ltd (PSFE)?
The return on equity (ROE) of Paysafe Ltd is −30.3% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Paysafe Ltd (PSFE)?
On an EBIT basis the return on assets of Paysafe Ltd is −5.4% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Paysafe Ltd (PSFE)?
The operating margin of Paysafe Ltd is 2.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Paysafe Ltd (PSFE)?
Revenue at Paysafe Ltd is growing +4.5% versus a year earlier (3y avg +4.4%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much free cash flow does Paysafe Ltd (PSFE) generate?
The free cash flow of Paysafe Ltd is $224M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Paysafe Ltd (PSFE) carry?
The net debt of Paysafe Ltd is $1.3B (fiscal year 2025, ≈ 5.9 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Thin data
Nov 8, 2026
