Seven criteria, each scored 0 to 100 on a published scale, weighted into one number.
58/100RyuScore 58 out of 100, Average
58
Today's price. Only valuation depends on it.
-50%-40%-30%-20%-10%today+10%+20%+30%
Average. Paysign, Inc. scores higher than 56% of the 2,291 companies Ryufin scores.
Carried by return on capital and return on new capital, held back by valuation and cycle position.
Technology median 43 · all companies 54
How the score has moved
At each fiscal year end, from the reports and price of the time
39
38
12
58
202020212023today
The biggest move was up 46 points from 2023 to today, mostly return on capital.
Valuation
26% of the score
23median 50
Paysign, Inc. is valued at 38.9x its operating profit, including debt: a very rich multiple.
60x
50x
35x
25x
18x
12x
8x
38.9x
Full points at 8x or less, none from 60xfull points
Return on capital
18% of the score
100median 23
Customers and suppliers fund the business: it runs on no capital of its own.
Return on new capital
16% of the score
100median 33
For every dollar of operating profit earned over 6 years, yearly profit grew by 226 cents. It did so while using less capital than before.
-5%
12%
226%
None at minus 5 cents, full points from 12 centsfull points
Capital allocation
14% of the score
29median 63
How management spends the money: shares bought back or issued, and whether assets grow faster than the business they serve.
Share countUp 3.9% a year over 5 years: new shares
14
5%
-3%
3.9%
0 pointsfull points
Assets against salesAssets grew 32% a year, sales 28%
52
12%
-2%
4.7%
0 pointsfull points
Cycle position
12% of the score
0median 63
Today's operating margin of 17% is 6.03x its normal 2.8%: near a peak, where margins tend to fall back. Normal is half the 10 year median, half the last four years, so a margin that has held is not taken for a peak.
2x
1.5x
1x
0.7x
6x
A trough earns points, a peak costs themfull points
Operating margin by year, against its normal level
10 years agonow 17%
Balance sheet
8% of the score
100median 50
What the debt weighs against the profit that has to carry it.
Whether the reported profit arrives as cash, and whether the accounts show the usual signs of stretching.
Cash against profitOperating cash flow was 5.78x profit over 3 years
100
0.7x
1x
1.3x
5.8x
0 pointsfull points
AccrualsCash ran ahead of profit by 19.7% of assets
100
8%
0%
-8%
-20%
0 pointsfull points
How the RyuScore works
Each criterion earns 0 to 100 points on the scale drawn under it, and the RyuScore is their average weighted 26, 18, 16, 14, 12, 8 and 6. Scales bend in the company's favour between their ends, so an ordinary figure is never already near zero. Where a criterion cannot be measured from the filings it is taken out and the remaining weights scale up; a company needs 60% of the weight covered, and always a price, to get a score.
Built from the company's annual and quarterly filings with the SEC and today's share price. Banks, insurers and property trusts are not scored: their debt is their raw material, so these yardsticks mean something else there. Figures as of 2026-06-30, latest annual report FY2025.