WallStSmart

Paysign Inc (PAYS)vsTurtle Beach Corporation (TBCH)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Turtle Beach Corporation generates 226% more annual revenue ($298.19M vs $91.47M). PAYS leads profitability with a 11.4% profit margin vs 0.4%. PAYS trades at a lower P/E of 38.3x. PAYS earns a higher WallStSmart Score of 59/100 (C).

PAYS

Buy

59

out of 100

Grade: C

Growth: 10.0Profit: 6.5Value: 6.3Quality: 5.0
Piotroski: 3/9Altman Z: 0.69

TBCH

Hold

43

out of 100

Grade: D

Growth: 4.0Profit: 3.5Value: 5.0Quality: 7.0
Piotroski: 5/9Altman Z: 1.83
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

PAYSUndervalued (+53.0%)

Margin of Safety

+53.0%

Fair Value

$7.21

Current Price

$6.79

$0.42 discount

UndervaluedFair: $7.21Overvalued

Intrinsic value data unavailable for TBCH.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

PAYS4 strengths · Avg: 9.3/10
Revenue GrowthGrowth
50.8%10/10

Revenue surging 50.8% year-over-year

EPS GrowthGrowth
86.5%10/10

Earnings expanding 86.5% YoY

Debt/EquityHealth
0.119/10

Conservative balance sheet, low leverage

Operating MarginProfitability
23.8%8/10

Strong operational efficiency at 23.8%

TBCH2 strengths · Avg: 8.0/10
PEG RatioValuation
1.008/10

Growing faster than its price suggests

Price/BookValuation
1.9x8/10

Reasonable price relative to book value

Areas to Watch

PAYS4 concerns · Avg: 3.0/10
P/E RatioValuation
38.3x4/10

Premium valuation, high expectations priced in

Market CapQuality
$385.19M3/10

Smaller company, higher risk/reward

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

Altman Z-ScoreHealth
0.692/10

Distress zone — elevated risk

TBCH4 concerns · Avg: 3.3/10
Altman Z-ScoreHealth
1.834/10

Grey zone — moderate risk

Market CapQuality
$265.76M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
1.1%3/10

ROE of 1.1% — below average capital efficiency

Profit MarginProfitability
0.4%3/10

0.4% margin — thin

Comparative Analysis Report

WallStSmart Research

Bull Case : PAYS

The strongest argument for PAYS centers on Revenue Growth, EPS Growth, Debt/Equity. Revenue growth of 50.8% demonstrates continued momentum.

Bull Case : TBCH

The strongest argument for TBCH centers on PEG Ratio, Price/Book. PEG of 1.00 suggests the stock is reasonably priced for its growth.

Bear Case : PAYS

The primary concerns for PAYS are P/E Ratio, Market Cap, Piotroski F-Score.

Bear Case : TBCH

The primary concerns for TBCH are Altman Z-Score, Market Cap, Return on Equity. A P/E of 669.5x leaves little room for execution misses. Thin 0.4% margins leave little buffer for downturns.

Key Dynamics to Monitor

PAYS profiles as a growth stock while TBCH is a value play — different risk/reward profiles.

TBCH carries more volatility with a beta of 2.29 — expect wider price swings.

PAYS is growing revenue faster at 50.8% — sustainability is the question.

TBCH generates stronger free cash flow (29M), providing more financial flexibility.

Bottom Line

PAYS scores higher overall (59/100 vs 43/100) and 50.8% revenue growth. Both earn "Buy" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Paysign Inc

TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA

PaySign, Inc. offers prepaid card products and processing services under the PaySign brand for corporate, consumer and government applications. The company is headquartered in Henderson, Nevada.

Turtle Beach Corporation

TECHNOLOGY · CONSUMER ELECTRONICS · USA

Turtle Beach Corporation is an audio technology company in North America, Europe, the Middle East, and the Asia Pacific. The company is headquartered in White Plains, New York.

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