/PAY.TO
PAY.TO Stock - Payfare Inc.
Technology|Software - InfrastructureTSX
$4.00+0.00%
+$0.00 (+0.00%) • Mar 4
59
GoAI Score
GoAI Score
Weighted average: Momentum (25%) + Sentiment (35%) + Risk (20%) + Value (20%). ≥70 = BUY, ≤35 = SELL.HOLD
Medium Confidence
Momentum
Momentum Score
Based on price vs 50-day MA (40%), 200-day MA (40%), and MA crossover (20%). Higher = stronger uptrend.33
Sentiment
Sentiment Score
Based on analyst price target upside. 50 = neutral, 100 = very bullish (25%+ upside expected).70
Risk Score
Risk Score
Based on stock beta (volatility). Higher score = lower risk. Red (<40) = high volatility, Green (>60) = stable.82
Price Target
Price Target
Average analyst price target from the last quarter. Shows expected upside/downside from current price.+10.0%upside
Target: $4.40
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Active Trade Setup
ENTRY ZONE$3.96 – $4.04
TARGET (TP)$4.60
STOP LOSS$3.68
RISK/REWARD1:1.9
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Price Chart
Financial Statements
Revenue & Profitability Trend
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Revenue
Net Income (Profit)
Net Loss
Key Metrics
Market CapN/A
P/E RatioN/A
Beta0.95
52W High$8.90
52W Low$1.76
Avg VolumeN/A
Income Statement (Fiscal Year)
| Metric | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 |
|---|---|---|---|---|---|
| Revenue | $186.04M | $129.93M | $43.78M | $13.45M | $6.31M |
| Gross Profit | $26.02M | $15.14M | $1.33M | $-456,334 | $-789,251 |
| Gross Margin | 14.0% | 11.7% | 3.0% | -3.4% | -12.5% |
| Operating Income | $11.71M | $-3,675,152 | $-18,353,308 | $-16,548,060 | $-15,330,335 |
| Net Income | $13.12M | $-2,936,346 | $-22,012,531 | $-28,399,474 | $-32,242,600 |
| Net Margin | 7.1% | -2.3% | -50.3% | -211.2% | -511.0% |
| EPS | $0.28 | $-0.06 | $-0.51 | $-0.75 | $-0.78 |
Company Overview
Payfare Inc., a financial technology company, provides instant payment and digital banking solutions to gig economy workers in Canada, the United States, and Mexico. The company offers PayFare, a platform that provides access to earnings, as well as banking services, such as ATM withdrawals, funds transfers, bill payments, and savings wallets. Payfare Inc. was incorporated in 2012 and is headquartered in Vancouver, Canada.
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Earnings History & Surprises
PAY.TOBeat Rate
20%
Last 15 quarters
Avg Surprise
+2.7%
EPS vs Estimate
Beats / Misses
3/10
2 met exactly
Latest EPS
$0.09
Q4 2024
EPS Surprise History
Q1 23
+361.5%
$0.06vs$0.01
Q2 23
-50.0%
$0.03vs$0.06
Q3 23
-33.3%
$0.04vs$0.06
Q4 23
+25.0%
$0.10vs$0.08
Q1 24
-0.6%
$0.11vs$0.11
Q2 24
0.0%
$0.11vs$0.11
Q3 24
-23.1%
$0.10vs$0.13
Q4 24
-25.0%
$0.09vs$0.12
Beat Estimate
Missed Estimate
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q4 2025 | Nov 4, 2025 | — | — | — | — |
Q3 2025 | Aug 5, 2025 | — | — | — | — |
Q2 2025 | Apr 23, 2025 | $-0.02 | — | — | — |
Q4 2024 | Nov 6, 2024 | $0.12 | $0.09 | -25.0% | ✗ MISS |
Q3 2024 | Aug 7, 2024 | $0.13 | $0.10 | -23.1% | ✗ MISS |
Q2 2024 | Apr 25, 2024 | $0.11 | $0.11 | 0.0% | = MET |
Q1 2024 | Mar 22, 2024 | $0.11 | $0.11 | -0.6% | ✗ MISS |
Q4 2023 | Nov 8, 2023 | $0.08 | $0.10 | +25.0% | ✓ BEAT |
Q3 2023 | Aug 9, 2023 | $0.06 | $0.04 | -33.3% | ✗ MISS |
Q2 2023 | May 10, 2023 | $0.06 | $0.03 | -50.0% | ✗ MISS |
Q1 2023 | Mar 22, 2023 | $0.01 | $0.06 | +361.5% | ✓ BEAT |
Q4 2022 | Nov 9, 2022 | $-0.02 | $-0.02 | -25.0% | ✗ MISS |
Q3 2022 | Aug 10, 2022 | $-0.05 | $-0.05 | 0.0% | = MET |
Q2 2022 | May 11, 2022 | $-0.15 | $-0.06 | +60.0% | ✓ BEAT |
Q1 2022 | Mar 23, 2022 | $-0.07 | $-0.10 | -42.9% | ✗ MISS |
Q4 2021 | Nov 10, 2021 | $-0.08 | $-0.09 | -12.5% | ✗ MISS |
Q3 2021 | Aug 16, 2021 | $-0.08 | $-0.11 | -37.5% | ✗ MISS |
Q2 2021 | May 13, 2021 | $-0.09 | $-0.23 | -155.6% | ✗ MISS |
Q1 2021 | Mar 31, 2021 | — | $-0.17 | — | — |
Q3 2020 | Sep 30, 2020 | — | $-0.15 | — | — |
Latest News
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Frequently Asked Questions about PAY.TO
What is PAY.TO's current stock price?
Payfare Inc. (PAY.TO) is currently trading at $4.00 per share. The stock has moved +0.00% today.
What is the analyst price target for PAY.TO?
No analyst price targets are currently available for this stock.
What sector is Payfare Inc. in?
Payfare Inc. operates in the Technology sector, specifically within the Software - Infrastructure industry. The company is traded on the TSX exchange.
What is PAY.TO's market cap?
Payfare Inc. has a market capitalization of $0.19 billion, making it a small-cap company.
Does PAY.TO pay dividends?
No, Payfare Inc. does not currently pay a dividend to shareholders.
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