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Paysafe Limited (PSFE)

NYSE: PSFE · Services-Business Services, NEC · London, GB · filing with the SEC since 2020
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Grade5.0
◀ Past 5.0● Present 4.4▶ Future 5.4
1 est.
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The grade of Paysafe Limited

Nine metrics read from its own filings, by tense
Headline grade
5.0/10
◀ Past5.025% of the headline
● Present4.435% of the headline
▶ Future5.440% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

Of the nine metrics, 8 read as filed from the record and 1 is an SI estimate, each with its reasoning, its confidence and what would change it on its card.

◀ Past

What did they actually do?

5.0/1025% of the headline grade · 3 of 3 filed

Surviving crises

as filed
8.0/10

Has it survived what it has been through?

No warning events in its filings since 2020.

weight 22% of this tense · 80th percentile among 105 sector filers · read for itself

From the record

Paysafe Limited's filings since 2020 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed
4.0/10

What has it actually done, year after year?

+3.1% a year over 7 filed years; profitable in 1 of 7.

weight 45% of this tense · 40th percentile among 99 sector filers · read for its customers

From the record

Paysafe Limited's 7 filed years say what it did: revenue went from $1.4 billion in fiscal 2019 to $1.7 billion in fiscal 2025, up 3.1% a year; it rose in 5 of 6 years; the deepest fall was 0% from fiscal 2024 to fiscal 2025; net income was positive in 1 of 7 of those years (its annual reports).

What it rests on

  • revenue growth over the filed span3.1%bottom 23% of its family
  • the share of years revenue rosebottom 49% of its family
  • the share of filed years with a profitbottom 27% of its family
  • the deepest fall from a revenue peak0.2%top 37% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed
4.2/10

How has it treated the people who own it?

Share count shrank 1.4% a year. 0% of cash flow returned. Insiders: 3 sales, 0 purchases.

weight 33% of this tense · 42nd percentile among 70 sector filers · read for its shareholders

From the record

Over the 3 fiscal years to 2025-12-31, Paysafe Limited's diluted share count shrank about 1.4% a year, and dividends and buybacks returned about 0% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 3 sales (3 under scheduled 10b5-1 plans) and 0 purchases of their own stock on the open market in the year to 2026-10-02 (their Form 4 filings).

What it rests on

  • the share count over the yearstop 26% of its family
  • cash returned against operating cash flowbottom 10% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

4.4/1035% of the headline grade · 2 of 3 filed, 1 estimated

Financial health

as filed
4.3/10

Is it financially healthy right now?

ROE -28%: lost 28¢ per shareholder dollar. Leverage 86%: owes 86¢ per asset dollar.

weight 33% of this tense · 43rd percentile among 98 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, Paysafe Limited lost about 28 cents for every dollar of shareholders' money, and gross profitability: its products earned about 20 cents per dollar of everything the company owns (revenue less the cost of revenue). Leverage: it owed about 86 cents per dollar of assets, and net share issuance: its share count shrank 6.2% over the year (the filed statements).

What it rests on

  • what it owes per dollar of assetsbottom 21% of its family
  • return on equitybottom 20% of its family
  • gross profit against assetsbottom 40% of its family
  • the share count against the year beforetop 10% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed
4.1/10

How strong is its position in its industry?

bottom 41% of 101 in its family; net margin -10.7%.

weight 45% of this tense · 41st percentile among 101 sector filers · read for its customers

From the record

Paysafe Limited's standing among 101 graded names in its industry family: revenue of $1.7 billion in fiscal 2025 ranks in the top 41% by size; a net margin of -10.7% ranks in the bottom 24%; revenue growth of 4.4% a year over the last 3 filed years ranks in the bottom 41% (its annual reports).

What it rests on

  • revenue against the family$1.70Btop 41% of its family
  • net margin-10.7%bottom 24% of its family
  • three-year revenue growth4.4%bottom 41% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

SI estimate
5.3/10

What are the people in charge doing?

SI estimate 5.3/10, confidence 20 of 100 (family median).

weight 22% of this tense · 50th percentile among 73 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate
It files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; the record of its people begins on 2026-03-18 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 8 months and cannot see past it; a floor under five years is not read as years in charge, so the desk assumes the typical reading of its industry family, the median of 73 members with one.
What the record cannot read
It files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; the record of its people begins on 2026-03-18 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 8 months and cannot see past it; a floor under five years is not read as years in charge.
How it was reasoned
family median, 73 readings behind it.
Confidence
20 of 100
What would change it
Its next annual report on file with the inputs replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Paysafe Limited's leadership is put at 5.3 of 10 with a confidence of 20 of 100, because it files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; the record of its people begins on 2026-03-18 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 8 months and cannot see past it; a floor under five years is not read as years in charge, so the desk assumes the typical reading of its industry family, the median of 73 members with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.

▶ Future

What are they set up to do next?

5.4/1040% of the headline grade · 3 of 3 filed

Room to expand

as filed
4.0/10

How much room does it have to grow?

bottom 40% of 99 in its family for room to expand.

weight 33% of this tense · 40th percentile among 99 sector filers · read for itself

From the record

Paysafe Limited's room to grow, from the newest filed statements (fiscal 2025): cash of $250 million against debt of $2.6 billion leaves -49.2% of its assets as net cash, bottom 4% of its family; cash from operations less capital spending is 13.1% of revenue (top 44%); a gross margin of 56.4% (top 39%) (its annual report).

What it rests on

  • cash less debt against assets-49.2%bottom 4% of its family
  • cash from operations less capital spending against revenue13.1%top 44% of its family
  • gross margin56.4%top 39% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed
6.5/10

What could actually drive growth from here?

top 35% of 99 in its family for growth drivers.

weight 45% of this tense · 65th percentile among 99 sector filers · read for its customers

From the record

Paysafe Limited's growth drivers, from the filed years to fiscal 2025: revenue grew 4.4% a year over the last three filed years against 3.1% over all 7, speeding up (top 19% of its family); the newest year grew -0.2% (bottom 30%); capital spending grew 40.4% a year (top 17%) (its annual reports). Paysafe Limited tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

What it rests on

  • three-year growth against the whole span+1.3 points a yeartop 19% of its family
  • the newest year's revenue growth-0.2%bottom 30% of its family
  • three-year growth of capital spending40.4%top 17% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed
5.4/10

Did its newest year beat what its own record pointed to?

top 46% of 93 in its family for expectations against reality.

weight 22% of this tense · 54th percentile among 93 sector filers · read for its shareholders

From the record

Paysafe Limited's newest year against its own record: revenue of $1.7 billion in fiscal 2025 came in 6.5% below the $1.8 billion its prior three years' pace pointed to (bottom 25% of its family); net income of $183 million against a prior three-year average of $620 million (top 44%); a net margin of -10.7% against -41.5% before (top 21%) (its annual reports).

What it rests on

  • revenue against the prior three years' pace-6.5%bottom 25% of its family
  • net income against the prior three years' average+71%top 44% of its family
  • net margin against its prior average+30.8 pointstop 21% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton PSFE · research, not advice