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PaySauce Limited (PYS) AI Stock Analysis
PaySauce Limited
(NZX:PYS)
The overall score reflects solid financial strength driven by strong cash generation, a conservative balance sheet, and ongoing revenue growth, offset by weakening recent profitability and low returns on equity. The valuation is demanding given a very high P/E and no visible dividend support, which constrains upside and raises sensitivity to execution risks. Technical indicators are moderately favorable, with the price above key shorter-term averages and positive momentum, but longer-term trend and volatility indicate the stock is not without risk.
PaySauce Limited (PYS) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- NZD 31.13M
- Dividend Yield
- ―
- Average Volume (3M)
- 12.95K
- Price to Earnings (P/E)
- 92.0
- Beta (1Y)
- 1.14
- Revenue Growth
- 11.20%
- EPS Growth
- -58.33%
- Country
- NZ
- Employees
- 48
- Sector
- General
- Sector Strength
- 55
- Industry
- Software - Application
PaySauce Limited Business Overview & Revenue Model
Company Description
PaySauce Limited offers a comprehensive suite of cloud-hosted human resources and remuneration solutions tailored for small and medium-sized enterprises across New Zealand, Australia, and the Pacific Islands. Its flagship product, the PaySauce platfo...
PaySauce Limited Financial Statement Overview
Summary
Strong revenue growth, improving margins, conservative low-debt balance sheet, and robust, consistently positive cash flows support a solid financial footing, though recent earnings and return on equity have weakened, indicating execution risk in scaling profitability.
Income Statement
62PositiveBalance Sheet
74PositiveCash Flow
82Very Positive| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 7.40M | 7.40M | 6.32M | 5.37M | 4.66M | 3.20M |
| Gross Profit | 1.92M | 1.92M | 1.39M | 938.00K | 982.00K | 261.00K |
| EBITDA | 338.00K | -614.00K | 1.30M | 911.00K | -18.00K | -1.16M |
| Net Income | 290.00K | 290.00K | 681.00K | 1.23M | -558.00K | -1.28M |
Balance Sheet | ||||||
| Total Assets | 56.57M | 56.57M | 43.68M | 38.63M | 36.00M | 30.13M |
| Cash, Cash Equivalents and Short-Term Investments | 22.73M | 22.73M | 12.34M | 9.51M | 8.67M | 26.25M |
| Total Debt | 112.00K | 112.00K | 251.00K | 861.00K | 879.00K | 66.00K |
| Total Liabilities | 47.12M | 47.12M | 39.51M | 35.59M | 34.61M | 28.46M |
| Stockholders Equity | 9.45M | 9.45M | 4.17M | 3.04M | 1.40M | 1.67M |
Cash Flow | ||||||
| Free Cash Flow | 9.11M | 9.11M | 4.83M | 1.46M | 4.39M | 6.23M |
| Operating Cash Flow | 9.20M | 9.20M | 6.49M | 2.64M | 5.29M | 6.71M |
| Investing Cash Flow | -3.26M | -3.26M | -2.86M | -1.68M | -7.38M | -2.18M |
| Financing Cash Flow | 4.45M | 4.45M | -797.00K | -197.00K | 557.00K | -32.00K |
PaySauce Limited Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For NZ:PYS, the sentiment is Negative. The current price of 0.19 is below the 20-day moving average (MA) of 0.20, below the 50-day MA of 0.21, and below the 200-day MA of 0.24, indicating a bearish trend. The MACD of -0.01 indicates Positive momentum. The RSI at 31.46 is Neutral, neither overbought nor oversold. The STOCH value of -4.17 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for NZ:PYS.
PaySauce Limited Peers Comparison
Overall Rating
- NZ:PYS68Neutral
NZ:SDL58Neutral
NZ:ENS47Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| NZ:PYS | 68Neutral | NZD 30.73M | 92.00 | ― | ― | 11.20% | -58.33% |
| NZ:SDL | 58Neutral | NZD 8.98M | 24.05 | ― | 6.25% | -23.82% | -85.16% |
| Sector * | 55Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
| NZ:ENS | 47Neutral | NZD 9.26M | -0.04 | ― | ― | 5.87% | -1304.00% |
* General Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| NZ:PYS | PaySauce Limited | 0.18 | -0.07 | -27.84% | |
| NZ:ENS | Enprise Group Ltd | 0.42 | -0.16 | -27.46% | |
| NZ:SDL | Solution Dynamics Limited | 0.64 | -0.04 | -5.65% |
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.
Date of analysis: Oct 05, 2026