Paysafe Limited — Earnings Quality Grade F
PSFE · Technology
Major red flags
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 30 days, change -4 days YoY
AR growth -12.5% vs revenue growth -0.2%
Revenue -0.2%, CFFO -7.0%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth 6.2% vs revenue -0.2%. Normal
SG&A/Gross Profit = 58.7%. Normal
Gross margin 56.4%, change -1.6pp. Stable
Cash Flow Quality
CFFO/NI = -1.29. Below 1.0
FCF $0.1B, FCF/NI = -0.59
Accruals ratio = -8.7%. Low accruals
Cash $0.3B covers only 9% of debt $2.7B
Balance Sheet Health
Goodwill+Intangibles $3.0B = 450% of equity. Over 50%
Debt/EBITDA = 7.8x (>4x). Interest coverage = 0.9x (<2x). Financial stress
Other assets grew 32.1% vs revenue -0.2%
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -0% YoY. Normal
Manipulation Score
M-Score = -3.01 (< -2.22). Unlikely manipulator
Portfolio monitoring
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Beneish M-Score
Altman Z-Score
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25