FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2025 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 For the transition period from ___________ to __________ Commission file number 001-38623 PAYSIGN, INC. (Exact name of registrant as specified in its charter) Nevada 95-4550154 (Stat ...

Paysign (PAYS) Q2 2025 Earnings Call August 05, 2025 05:00 PM ET Speaker0Good afternoon. My name is Kevin, and I'll be your conference operator today. At this time, I'd like to welcome everyone to the PaySign, Inc. Second Quarter twenty twenty five Earnings Conference Call. After the speakers' remarks, there will be a question and answer session.As a reminder, this conference call is being recorded. The comments on today's call regarding PaySign's financial results will be on a GAAP basis unless otherwise n ...

Exhibit 99.1 Earnings Release Paysign, Inc. Reports Second Quarter 2025 Financial Results Adjusted EBITDA and Adjusted EBITDA per share are non-GAAP metrics used by management to gauge the operating performance of the business – see reconciliation of net income to Adjusted EBITDA at the end of the press release. HENDERSON, Nev. – August 5, 2025 – (Business Wire) – Paysign, Inc. (NASDAQ: PAYS), a leading provider of prepaid card programs, comprehensive pharma patient affordability offerings, financial techno ...

Market Overview - The stock market reached new highs as Wall Street reacts positively to the start of the second-quarter earnings season, with many companies exceeding lowered estimates due to tariffs [1] - Management commentary on current business trends has been favorable, enhancing earnings expectations for Q3 and beyond [2] - The improving earnings outlook, along with projections of potential Federal Reserve rate cuts in the second half of the year, creates a bullish environment extending beyond July [2] Investment Opportunities - Investors are encouraged to consider adding exposure to highly-ranked cheap stocks trading for $10 or less, which are driven by improving earnings outlooks [3] - Stocks priced under $10 are seen as having potential, especially those with strong Zacks Ranks (1 Strong Buys or 2 Buys) [3][9] Penny Stocks - The SEC defines penny stocks as those trading for less than $5, which are often avoided by investors due to their speculative nature [4] - Penny stocks typically trade infrequently and exhibit wide bid/ask spreads, leading to excessive volatility, although some can perform exceptionally well [5] Stocks Under $10 - Stocks in the $5 to $10 range are generally considered less risky than penny stocks, and investors may be more familiar with these companies [6] - A selective approach can yield winning stocks under $10, with specific screening parameters to identify potential investments [7][10] Featured Stock: PaySign, Inc. (PAYS) - PaySign, Inc. specializes in prepaid card programs and is projected to grow its revenue by 24% in 2025 and 11% in the following year, with a historical average sales expansion of 25% over the past four years [13] - The company is expected to see a significant increase in adjusted earnings, projected to grow by 400% in 2025 from $0.07 to $0.35, and further to $0.47 the next year [13] - PaySign's stock has surged 270% in the past three months, currently trading around $8.05, which is 5% below its recent peaks and 55% under its all-time highs from summer 2019 [13][15] - The stock trades at a 15% discount compared to its industry average, indicating potential value [14]

Core Viewpoint - The article emphasizes the importance of identifying and sustaining stock price trends for successful short-term investing, highlighting the need for strong fundamentals and positive earnings revisions to maintain momentum [1][2]. Group 1: Stock Performance - Paysign, Inc. (PAYS) has shown a significant price increase of 246.2% over the past 12 weeks, indicating strong investor interest [4]. - The stock has also experienced a price increase of 50.3% over the last four weeks, suggesting that the upward trend is still intact [5]. - PAYS is currently trading at 86.4% of its 52-week high-low range, indicating a potential breakout opportunity [5]. Group 2: Fundamental Strength - PAYS holds a Zacks Rank 2 (Buy), placing it in the top 20% of over 4,000 ranked stocks based on earnings estimate revisions and EPS surprises [6]. - The stock has an Average Broker Recommendation of 1 (Strong Buy), reflecting high optimism from the brokerage community regarding its near-term price performance [7]. Group 3: Investment Strategy - The article suggests that investors can utilize the "Recent Price Strength" screen to identify stocks like PAYS that are on an upward trend supported by strong fundamentals [3][8]. - It also mentions the availability of over 45 Zacks Premium Screens tailored to different investing styles, which can help in finding potential winning stocks [8].

Core Insights - Paysign, Inc. (NASDAQ: PAYS) has experienced a significant increase in stock price, tripling in value in 2025 due to robust revenue growth and market expansion efforts [1] - The current stock price is 271% higher compared to previous evaluations, indicating strong market performance [1] Company Performance - The company has demonstrated strong revenue growth, contributing to the tripling of its stock price [1] - Market expansion efforts have played a crucial role in the company's financial success [1] Market Context - The substantial increase in stock price reflects positive investor sentiment and confidence in the company's future prospects [1]

Core Viewpoint - The sustainability of a trend is crucial for successful short-term investing, and confirming fundamental factors is essential to maintain momentum in stocks [1][2]. Group 1: Trend Analysis - Timing entries into a trend significantly impacts investment success, as trends can reverse before exiting a trade [1][2]. - A stock's recent price strength can be assessed through a unique short-term trading strategy that identifies stocks with strong fundamentals capable of maintaining an uptrend [3]. Group 2: Company Spotlight - Paysign, Inc. (PAYS) - Paysign, Inc. has demonstrated a solid price increase of 265% over the past 12 weeks, indicating strong investor interest [4]. - The stock has also increased by 59.6% in the last four weeks, suggesting that the upward trend is still intact [5]. - Currently, PAYS is trading at 97.3% of its 52-week high-low range, indicating a potential breakout [5]. Group 3: Fundamental Strength - PAYS holds a Zacks Rank 2 (Buy), placing it in the top 20% of over 4,000 ranked stocks based on earnings estimate revisions and EPS surprises [6]. - The stock has an Average Broker Recommendation of 1 (Strong Buy), reflecting high optimism from the brokerage community regarding its near-term price performance [7]. - The Zacks Rank system has a strong historical performance, with Rank 1 stocks averaging a +25% annual return since 1988 [7]. Group 4: Investment Opportunities - In addition to PAYS, there are several other stocks that meet the criteria of the "Recent Price Strength" screen, which can be considered for investment [8]. - The Zacks Premium Screens offer over 45 strategically created options to help investors find winning stock picks based on their investing style [8].

Group 1 - Paysign, Inc. (PAYS) closed at $5.09, with a 42.4% gain over the past four weeks, and analysts set a mean price target of $7.35, indicating a 44.4% upside potential [1][2] - The mean estimate includes five short-term price targets with a standard deviation of $0.74, where the lowest estimate is $6.50 (27.7% increase) and the highest is $8.25 (62.1% increase) [2] - Analysts show strong agreement on the company's ability to report better earnings, with a positive trend in earnings estimate revisions, which is a powerful predictor of potential upside [4][11] Group 2 - Over the last 30 days, the Zacks Consensus Estimate for the current year has increased by 6.1%, with one estimate moving higher and no negative revisions [12] - PAYS has a Zacks Rank 2 (Buy), placing it in the top 20% of over 4,000 ranked stocks based on earnings estimates, indicating strong potential upside [13] - While the consensus price target may not be reliable for predicting the extent of gains, it does provide a good directional guide for price movement [14]

Core Viewpoint - The article emphasizes the importance of identifying sustainable trends in short-term investing, highlighting that while price momentum can be profitable, it requires solid fundamentals to maintain that momentum [1][2]. Group 1: Stock Performance - Paysign, Inc. (PAYS) has shown a significant price increase of 114% over the past 12 weeks, indicating strong investor interest [4]. - The stock has also increased by 31.5% in the last four weeks, suggesting that the upward trend is still intact [5]. - Currently, PAYS is trading at 85.8% of its 52-week high-low range, indicating a potential breakout opportunity [5]. Group 2: Fundamental Strength - PAYS holds a Zacks Rank 2 (Buy), placing it in the top 20% of over 4,000 ranked stocks based on earnings estimate revisions and EPS surprises [6]. - The stock has an Average Broker Recommendation of 1 (Strong Buy), reflecting high optimism from the brokerage community regarding its near-term price performance [7]. - The Zacks Rank system has a proven track record, with Zacks Rank 1 stocks averaging an annual return of +25% since 1988 [7]. Group 3: Investment Strategy - The "Recent Price Strength" screen is a useful tool for identifying stocks with sufficient fundamental strength to sustain their recent uptrends [3]. - In addition to PAYS, there are several other stocks that meet the criteria of the "Recent Price Strength" screen, suggesting further investment opportunities [8].

PaySign Inc. Conference Call Summary Company Overview - **Company Name**: PaySign Inc. (Ticker: PAYS) - **Industry**: Payment services, primarily in healthcare - **Headquarters**: Southern Nevada, near Las Vegas - **Incorporation Year**: 1995 - **Public Listing**: Went public through a reverse merger in 2018 Core Business Segments - **Healthcare Payments**: Predominantly provides payment services to the healthcare industry, including patient affordability programs and plasma donor payments [5][9] - **Patient Affordability Programs**: Helps patients cover copays for expensive medications, with a focus on reducing abandonment rates for prescriptions [9][10] - **Plasma Industry**: Engaged in electronic payments for plasma donation centers, holding a 40% market share in the U.S. [8][11] Financial Performance - **Revenue**: - 2024 projected revenue: $58.4 million - 2023 revenue: $87 million from plasma business and $12.7 million from patient affordability [11][16] - Patient affordability business expected to grow at least 135% in 2024 [11] - **Adjusted EBITDA**: $13 million for the trailing twelve months, with margins improving [16][34] - **Cash Position**: $111 million in cash, with zero debt [15][34] - **Gross Margins**: Increased to 62.9% from 53% year-over-year [14] Market Dynamics - **Plasma Market**: - U.S. provides over 75% of the world's plasma, with a normal growth rate of about 5% annually [8][26] - Anticipated decline of 8-10% in plasma business revenue due to operational adjustments post-COVID [26] - **Patient Affordability Market**: - Total Addressable Market (TAM) estimated at over $500 million, indicating significant growth potential [29] Strategic Initiatives - **Acquisition of Gamma Innovation**: - Acquired for $16 million, aimed at enhancing software capabilities in the plasma industry [28][30] - **Dynamic Business Rules Technology**: - Proprietary technology that saved customers over $100 million in claims in 2024, expected to double in 2025 [22] Leadership and Expertise - **Senior Leadership**: Comprised of individuals with extensive backgrounds in banking, payments, and healthcare, enhancing domain expertise [13][39] - **Analyst Coverage**: Covered by five firms, all with buy or equivalent ratings, target prices ranging from $6 to $8 [35] Additional Insights - **Customer Engagement**: The company emphasizes direct partnerships with pharmaceutical companies, enhancing payment capabilities and transparency [42][44] - **Operational Efficiency**: The call center operates at breakeven, indicating effective cost management [17] - **Regulatory Environment**: The company operates primarily in the U.S. market, with limited applicability of its services outside due to different healthcare systems [37] Conclusion PaySign Inc. is positioned for growth in the healthcare payment sector, with strong financials, innovative technology, and a strategic focus on expanding its market share in both the plasma and patient affordability segments. The leadership team's expertise and recent acquisitions further bolster its competitive advantage in a rapidly evolving industry.