COMP <GO>
PAYS vs OSPN // ALTMAN Z-SCORE & DEBT/EQUITY
Paysign Inc. (NASDAQ) VS. OneSpan Inc. (NASDAQ) • 15-METRIC TALLY: PAYS 2
— OSPN 11
▲ ALTMAN Z-SCORE & DEBT/EQUITY LEADER: OSPN
LAST: $14.40 (+3.37%) • MKT CAP: $786.5M
balance-sheet
2.70
LAST: $25.55 (-0.43%) • MKT CAP: $946.7M
balance-sheet
5.47
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (PAYS VS. OSPN)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | PAYS | OSPN | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 59.40% | 73.80% | -14.40 | OSPN | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 10.60% | 19.00% | -8.40 | OSPN | /roic <GO> |
| EV/EBITDA & P/E Valuation | 97.2x | 12.0x | +85.20 | OSPN | /valuation <GO> |
| Free Cash Flow Yield | 6.33% | 6.80% | -0.47 | OSPN | /fcf-yield <GO> |
| Operating Margin | 9.00% | 19.90% | -10.90 | OSPN | /operating-margins <GO> |
| Net Profit Margin | 9.20% | 30.00% | -20.80 | OSPN | /net-margins <GO> |
| Revenue Growth (YoY) | 40.50% | 0.00% | +40.50 | PAYS | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 2.49% | -2.49 | OSPN | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | 2.70 | 5.47 | -2.77 | OSPN | /balance-sheet <GO> |
| Piotroski F-Score Quality | 9/9 | 6/9 | +3.00 | PAYS | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 46.3 | 66.9 | -20.60 | OSPN | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 90.0x | 9.5x | +80.50 | OSPN | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $786.5M | $946.7M | -$160.2M | OSPN | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | PAYS REV | OSPN REV | PAYS GROSS % | OSPN GROSS % | PAYS FCF | OSPN FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $82.0M | $243.2M | 59.4% | 73.8% | $51.2M | $50.5M |
| FY 2024 | $58.4M | $243.2M | 55.1% | 71.8% | $22.5M | $46.4M |
| FY 2023 | $47.3M | $235.1M | — | — | $27.6M | -$10.7M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
PAYS // BETA —
OSPN // BETA —