Paysafe Limited Financials
This page shows Paysafe Limited (PSFE) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 6 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Financial Health Signals
Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores
Paysafe Limited has an operating margin of 7.7%, meaning the company retains $8 of operating profit per $100 of revenue. This results in a moderate score of 39/100, indicating healthy but not exceptional operating efficiency. This is down from 9.8% the prior year.
Paysafe Limited's revenue grew 6.8% year-over-year to $1.7B, a solid pace of expansion. This earns a growth score of 48/100.
Paysafe Limited has elevated debt relative to equity (D/E of 2.68), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 12/100, reflecting increased financial risk.
Paysafe Limited's current ratio of 1.16 means current assets barely cover short-term liabilities. This tight liquidity results in a low score of 26/100, which could limit financial flexibility.
Paysafe Limited converts 13.8% of revenue into free cash flow ($237.9M). This strong cash generation earns a score of 69/100.
Paysafe Limited generates a 2.5% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 10/100.
Paysafe Limited scores -0.09, below the 1.81 distress threshold. The score is driven primarily by a large market capitalization ($362.6M) relative to total liabilities ($3.9B). This indicates elevated financial distress risk and warrants close attention to liquidity and debt levels.
Paysafe Limited passes 7 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 2 of 3 leverage/liquidity signals pass, 1 of 2 efficiency signals pass.
For every $1 of reported earnings, Paysafe Limited generates $11.45 in operating cash flow ($253.8M OCF vs $22.2M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Paysafe Limited earns $0.9 in operating income for every $1 of interest expense ($133.4M vs $140.8M). This narrow margin raises concern about the company's ability to service its debt if operating income declines.
Key Financial Metrics
Paysafe Limited generated $1.7B in revenue in fiscal year 2024. This represents an increase of 6.8% from the prior year.
Paysafe Limited's EBITDA was $408.1M in fiscal year 2024, measuring earnings before interest, taxes, depreciation, and amortization. This represents a decrease of 3.5% from the prior year.
Paysafe Limited generated $237.9M in free cash flow in fiscal year 2024, representing cash available after capex. This represents an increase of 7.5% from the prior year.
Paysafe Limited reported $22.2M in net income in fiscal year 2024. This represents an increase of 209.4% from the prior year.
Paysafe Limited earned $0.36 per diluted share (EPS) in fiscal year 2024. This represents an increase of 209.1% from the prior year.
Paysafe Limited held $216.7M in cash against $2.4B in long-term debt as of fiscal year 2024.
Paysafe Limited had 60M shares outstanding in fiscal year 2024. This represents a decrease of 3.0% from the prior year.
Paysafe Limited's gross margin was 58.5% in fiscal year 2024, indicating the percentage of revenue retained after direct costs. This is down 0.4 percentage points from the prior year.
Paysafe Limited's operating margin was 7.7% in fiscal year 2024, reflecting core business profitability. This is down 2.1 percentage points from the prior year.
Paysafe Limited's net profit margin was 1.3% in fiscal year 2024, showing the share of revenue converted to profit. This is up 2.6 percentage points from the prior year.
Paysafe Limited's ROE was 2.5% in fiscal year 2024, measuring profit generated per dollar of shareholder equity.
Paysafe Limited invested $15.9M in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents an increase of 24.0% from the prior year.
PSFE Income Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $433.8M+1.3% | $428.2M+6.8% | $401.0M-8.5% | $438.4M+2.6% | $427.1M-2.9% | $439.9M+5.3% | $417.7M-2.0% | $426.4M |
| Cost of Revenue | $183.0M-3.8% | $190.2M+9.2% | $174.2M-5.1% | $183.5M+3.0% | $178.1M-3.1% | $183.8M+7.9% | $170.4M-1.8% | $173.6M |
| Gross Profit | $250.8M+5.3% | $238.0M+4.9% | $226.8M-11.0% | $254.9M+2.4% | $249.0M-2.8% | $256.1M+3.5% | $247.4M-2.2% | $252.8M |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | $130.1M-9.6% | $143.8M+2.9% | $139.8M+2.2% | $136.8M-5.0% | $143.9M-4.1% | $150.1M+3.6% | $144.8M+15.8% | $125.0M |
| Operating Income | $39.0M+89.7% | $20.6M+99.2% | $10.3M-65.0% | $29.5M-14.1% | $34.4M-5.9% | $36.5M+10.8% | $33.0M-28.8% | $46.3M |
| Interest Expense | $34.1M-1.2% | $34.5M+2.6% | $33.7M+1.6% | $33.2M-6.7% | $35.5M-4.3% | $37.1M+6.2% | $35.0M-9.2% | $38.5M |
| Income Tax | $91.9M+212.4% | $29.4M+1061.9% | -$3.1M+82.7% | -$17.7M-500.2% | -$2.9M-156.6% | $5.2M-28.7% | $7.3M-45.5% | $13.4M |
| Net Income | -$87.7M-74.9% | -$50.1M-157.5% | -$19.5M-158.1% | $33.5M+358.2% | -$13.0M-807.5% | -$1.4M-146.8% | $3.1M+125.2% | -$12.1M |
| EPS (Diluted) | $-1.52-78.8% | $-0.85-157.6% | $-0.33-161.1% | $0.54+357.1% | $-0.21-950.0% | $-0.02-140.0% | $0.05+125.0% | $-0.20 |
PSFE Balance Sheet
| Metric | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $4.7B-4.4% | $4.9B+4.1% | $4.7B-2.0% | $4.8B-2.3% | $4.9B+0.2% | $4.9B-2.8% | $5.1B-3.3% | $5.2B |
| Current Assets | $1.6B-5.0% | $1.7B+7.6% | $1.6B-5.5% | $1.7B-1.3% | $1.7B-0.3% | $1.7B-5.0% | $1.8B-6.0% | $1.9B |
| Cash & Equivalents | $248.6M-6.6% | $266.1M+13.5% | $234.3M+8.1% | $216.7M-10.2% | $241.4M+8.5% | $222.4M+10.0% | $202.1M-0.1% | $202.3M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | $157.6M-0.6% | $158.5M+2.0% | $155.4M-1.8% | $158.2M-12.3% | $180.3M+1.7% | $177.3M+0.6% | $176.3M+8.8% | $162.1M |
| Goodwill | $2.1B-0.1% | $2.1B+3.4% | $2.0B+1.5% | $2.0B-2.6% | $2.0B+1.5% | $2.0B-0.3% | $2.0B-0.8% | $2.0B |
| Total Liabilities | $4.0B-3.0% | $4.1B+6.5% | $3.9B-2.0% | $3.9B-2.8% | $4.0B-0.1% | $4.0B-3.2% | $4.2B-3.8% | $4.3B |
| Current Liabilities | $1.4B-3.4% | $1.4B+4.3% | $1.4B-5.9% | $1.4B-3.1% | $1.5B+1.0% | $1.5B-7.5% | $1.6B-6.8% | $1.7B |
| Long-Term Debt | $2.5B-2.1% | $2.5B+7.0% | $2.4B+0.9% | $2.4B-2.8% | $2.4B-0.8% | $2.4B-0.2% | $2.4B-1.8% | $2.5B |
| Total Equity | $710.4M-12.0% | $806.9M-6.4% | $861.9M-2.0% | $879.3M+0.3% | $877.0M+1.6% | $862.9M-1.3% | $873.9M-1.1% | $883.3M |
| Retained Earnings | -$2.4B-3.8% | -$2.3B-2.2% | -$2.3B-0.9% | -$2.2B+1.5% | -$2.3B-0.6% | -$2.3B-0.1% | -$2.3B+0.1% | -$2.3B |
PSFE Cash Flow Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $69.2M+74.8% | $39.6M-24.6% | $52.5M-10.9% | $58.9M-28.1% | $81.9M+51.3% | $54.1M-8.0% | $58.8M-4.5% | $61.6M |
| Capital Expenditures | $2.3M-17.7% | $2.8M-35.0% | $4.3M-3.8% | $4.5M+40.3% | $3.2M-28.9% | $4.5M+21.2% | $3.7M+416.5% | $720K |
| Free Cash Flow | $66.9M+81.8% | $36.8M-23.6% | $48.1M-11.5% | $54.4M-30.9% | $78.7M+58.6% | $49.6M-9.9% | $55.1M-9.5% | $60.9M |
| Investing Cash Flow | -$39.3M-2.4% | -$38.4M-60.6% | -$23.9M+35.5% | -$37.0M-25.2% | -$29.6M-5.6% | -$28.0M-102.4% | -$13.8M-42.9% | -$9.7M |
| Financing Cash Flow | -$119.0M-1205.1% | $10.8M+106.1% | -$177.1M-446.4% | $51.1M+159.6% | -$85.8M+17.3% | -$103.7M+27.1% | -$142.4M-15.9% | -$122.9M |
| Dividends Paid | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
PSFE Financial Ratios
| Metric | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | 57.8%+2.2pp | 55.6%-1.0pp | 56.6%-1.6pp | 58.1%-0.1pp | 58.3%+0.1pp | 58.2%-1.0pp | 59.2%-0.1pp | 59.3% |
| Operating Margin | 9.0%+4.2pp | 4.8%+2.2pp | 2.6%-4.2pp | 6.7%-1.3pp | 8.1%-0.3pp | 8.3%+0.4pp | 7.9%-3.0pp | 10.8% |
| Net Margin | -20.2%-8.5pp | -11.7%-6.9pp | -4.9%-12.5pp | 7.6%+10.7pp | -3.0%-2.7pp | -0.3%-1.1pp | 0.7%+3.6pp | -2.8% |
| Return on Equity | N/A | N/A | N/A | 3.8% | N/A | N/A | 0.4% | N/A |
| Return on Assets | -1.9%-0.9pp | -1.0%-0.6pp | -0.4%-1.1pp | 0.7%+1.0pp | -0.3%-0.2pp | -0.0%-0.1pp | 0.1%+0.3pp | -0.2% |
| Current Ratio | 1.18-0.0 | 1.20+0.0 | 1.160.0 | 1.16+0.0 | 1.14-0.0 | 1.15+0.0 | 1.120.0 | 1.11 |
| Debt-to-Equity | 3.50+0.4 | 3.15+0.4 | 2.75+0.1 | 2.68-0.1 | 2.76-0.1 | 2.83+0.0 | 2.80-0.0 | 2.82 |
| FCF Margin | 15.4%+6.8pp | 8.6%-3.4pp | 12.0%-0.4pp | 12.4%-6.0pp | 18.4%+7.1pp | 11.3%-1.9pp | 13.2%-1.1pp | 14.3% |
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Frequently Asked Questions
What is Paysafe Limited's annual revenue?
Paysafe Limited (PSFE) reported $1.7B in total revenue for fiscal year 2024. This represents a 6.8% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Paysafe Limited's revenue growing?
Paysafe Limited (PSFE) revenue grew by 6.8% year-over-year, from $1.6B to $1.7B in fiscal year 2024.
Is Paysafe Limited profitable?
Yes, Paysafe Limited (PSFE) reported a net income of $22.2M in fiscal year 2024, with a net profit margin of 1.3%.
What is Paysafe Limited's earnings per share (EPS)?
Paysafe Limited (PSFE) reported diluted earnings per share of $0.36 for fiscal year 2024. This represents a 209.1% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.
What is Paysafe Limited's EBITDA?
Paysafe Limited (PSFE) had EBITDA of $408.1M in fiscal year 2024, measuring earnings before interest, taxes, depreciation, and amortization.
How much debt does Paysafe Limited have?
As of fiscal year 2024, Paysafe Limited (PSFE) had $216.7M in cash and equivalents against $2.4B in long-term debt.
What is Paysafe Limited's gross margin?
Paysafe Limited (PSFE) had a gross margin of 58.5% in fiscal year 2024, indicating the percentage of revenue retained after direct costs of goods sold.
What is Paysafe Limited's operating margin?
Paysafe Limited (PSFE) had an operating margin of 7.7% in fiscal year 2024, reflecting the profitability of core business operations before interest and taxes.
What is Paysafe Limited's net profit margin?
Paysafe Limited (PSFE) had a net profit margin of 1.3% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.
What is Paysafe Limited's return on equity (ROE)?
Paysafe Limited (PSFE) has a return on equity of 2.5% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.
What is Paysafe Limited's free cash flow?
Paysafe Limited (PSFE) generated $237.9M in free cash flow during fiscal year 2024. This represents a 7.5% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Paysafe Limited's operating cash flow?
Paysafe Limited (PSFE) generated $253.8M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.
What are Paysafe Limited's total assets?
Paysafe Limited (PSFE) had $4.8B in total assets as of fiscal year 2024, including both current and long-term assets.
What are Paysafe Limited's capital expenditures?
Paysafe Limited (PSFE) invested $15.9M in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.
How many shares does Paysafe Limited have outstanding?
Paysafe Limited (PSFE) had 60M shares outstanding as of fiscal year 2024.
What is Paysafe Limited's current ratio?
Paysafe Limited (PSFE) had a current ratio of 1.16 as of fiscal year 2024, which is considered adequate.
What is Paysafe Limited's debt-to-equity ratio?
Paysafe Limited (PSFE) had a debt-to-equity ratio of 2.68 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Paysafe Limited's return on assets (ROA)?
Paysafe Limited (PSFE) had a return on assets of 0.5% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.
What is Paysafe Limited's Altman Z-Score?
Paysafe Limited (PSFE) has an Altman Z-Score of -0.09, placing it in the Distress Zone (elevated bankruptcy risk). The Z-Score combines five financial ratios—working capital, retained earnings, EBIT, market capitalization, and revenue relative to total assets—to predict the likelihood of bankruptcy. Scores above 2.99 indicate financial safety while scores below 1.81 suggest financial distress. Learn more in our complete guide to financial health indicators.
What is Paysafe Limited's Piotroski F-Score?
Paysafe Limited (PSFE) has a Piotroski F-Score of 7 out of 9, indicating strong financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Paysafe Limited's earnings high quality?
Paysafe Limited (PSFE) has an earnings quality ratio of 11.45x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
Can Paysafe Limited cover its interest payments?
Paysafe Limited (PSFE) has an interest coverage ratio of 0.9x, meaning it can struggle to cover its interest obligations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.
How financially healthy is Paysafe Limited?
Paysafe Limited (PSFE) scores 34 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.