MSFT
Microsoft Corporation
MSFT has lower modeled downside risk, despite its lower overall score.
PAYS
PaySign, Inc.
PAYS has the edge over MSFT overall, supported by stronger fundamentals and stronger valuation.
MSFT Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| Healthy | |
| Strong |
MSFT's revenue, profitability, cash flow and balance sheet are all currently healthy.
PAYS Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| Strong | |
| Strong |
PAYS's revenue, profitability, cash flow and balance sheet are all currently strong.
MSFT PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 25x | $523 | — |
| Cheap | 27x | $525 | +0.4% |
| Current | 27x | $523 | — |
| Fair | 34x | $652 | +25% |
| Expensive | 37x | $711 | +36% |
Historical ranges are pointers, not guarantees.
MSFT has the edge over PAYS in the historical PE scenario, which offers more potential upside but is not a forecast.
PAYS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 26x | $9.49 | — |
| Current | 29x | $9.49 | — |
| Cheap | 31x | $10.13 | +6.8% |
| Fair | 49x | $16.12 | +70% |
| Expensive | 95x | $31.19 | +229% |
Historical ranges are pointers, not guarantees.
PAYS's PE is in its cheap range at 29x. If earnings grow as analysts expect, today's price would be 26x next year's earnings.
MSFT Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Strong growth | |
| Strong growth | |
| Stable | |
| Moderate | |
| High |
Analysts expect strong earnings and revenue growth for MSFT, with profitability holding steady.
PAYS Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Low |
PAYS has the edge over MSFT on the outlook, with more favorable profitability expectations.
MSFT Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $20.79 | +8.6% |
| Q3 2026 | $19.15 | +36% |
| Q2 2026 | $17.95 | +32% |
| Q1 2026 | $16.80 | +30% |
| Q4 2025 | $15.99 | +29% |
| Q3 2025 | $14.06 | +16% |
| Q2 2025 | $13.64 | +16% |
| Q1 2025 | $12.93 | +12% |
| Q4 2024 | $12.41 | +12% |
MSFT has the edge over PAYS on earnings, with more consistent year-over-year improvement.
PAYS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.37 | +12% |
| Q3 2026 | $0.33 | +154% |
| Q2 2026 | $0.26 | +117% |
| Q1 2026 | $0.17 | +55% |
| Q4 2025 | $0.13 | +86% |
| Q3 2025 | $0.13 | -13% |
| Q2 2025 | $0.12 | -14% |
| Q1 2025 | $0.11 | -15% |
| Q4 2024 | $0.07 | -42% |
PAYS earned $0.33 per share over the past year, up 154% from the year before.
MSFT Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $92.3B | +19% |
| Q2 2026 | $90B | +18% |
| Q1 2026 | $82.9B | +18% |
| Q4 2025 | $81.3B | +17% |
| Q3 2025 | $77.7B | +18% |
| Q2 2025 | $76.4B | +18% |
| Q1 2025 | $70.1B | +13% |
| Q4 2024 | $69.6B | +12% |
MSFT's revenue has grown year over year every quarter since late 2020: $92.3B last quarter, up 19% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 50% | +0.9 points |
| Q2 2026 | 45% | +0.2 points |
| Q1 2026 | 46% | +0.7 points |
| Q4 2025 | 47% | +1.6 points |
| Q3 2025 | 49% | +2.3 points |
| Q2 2025 | 45% | +1.8 points |
| Q1 2025 | 46% | +1.1 points |
| Q4 2024 | 45% | +1.9 points |
MSFT has the edge over PAYS on profitability, with a higher operating margin.
PAYS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $30.8M | +43% |
| Q2 2026 | $28.3M | +48% |
| Q1 2026 | $28M | +51% |
| Q4 2025 | $22.8M | +46% |
| Q3 2025 | $21.6M | +42% |
| Q2 2025 | $19.1M | +33% |
| Q1 2025 | $18.6M | +41% |
| Q4 2024 | $15.6M | +14% |
PAYS has the edge over MSFT on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 24% | +16 points |
| Q2 2026 | 25% | +17 points |
| Q1 2026 | 24% | +10 points |
| Q4 2025 | 8.2% | +5.2 points |
| Q3 2025 | 7.3% | +2.8 points |
| Q2 2025 | 7.5% | +6.7 points |
| Q1 2025 | 13% | +15 points |
| Q4 2024 | 3% | -1.6 points |
PAYS's operating margin was 24% last quarter, up 16 points from the same quarter a year ago.
MSFT Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $18.6B | -27% |
| Q2 2026 | $19.6B | -23% |
| Q1 2026 | $15.8B | -22% |
| Q4 2025 | $5.9B | -9.3% |
| Q3 2025 | $25.7B | +33% |
| Q2 2025 | $25.6B | +9.6% |
| Q1 2025 | $20.3B | -3.2% |
| Q4 2024 | $6.5B | -29% |
MSFT's free cash flow has been positive every quarter for seven years: $60B over the past year, down 23% from the year before.
PAYS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $62.7M | +895% |
| Q2 2026 | $1.2M | -66% |
| Q1 2026 | $18.5M | +$24.6M |
| Q4 2025 | $47.5M | +235% |
| Q3 2025 | $6.3M | +$26.6M |
| Q2 2025 | $3.6M | -83% |
| Q1 2025 | -$6.1M | -175% |
| Q4 2024 | $14.2M | -39% |
PAYS has the edge over MSFT on cash flow, with more consistent year-over-year improvement.
MSFT Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.1% | -7M shares |
| 1 year | -0.3% | -20M shares |
| 3 years | -0.2% | -16M shares |
| 5 years | -1.6% | -121M shares |
| Available history | -3.2% | -245M shares |
MSFT has the edge over PAYS on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $4.4B |
| Q2 2026 | $4.6B |
| Q1 2026 | $4.6B |
| Q4 2025 | $7.4B |
| Q3 2025 | $5.7B |
| Q2 2025 | $4.5B |
| Q1 2025 | $4.8B |
| Q4 2024 | $5B |
MSFT spent $21B buying back its own shares over the past year, up 5.2% from the year before.
PAYS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +1.2% | +744K shares |
| 1 year | +1.5% | +949K shares |
| 3 years | +17% | +9.2M shares |
| 5 years | +23% | +11.6M shares |
| Available history | +15% | +8.2M shares |
PAYS has 63M diluted shares, up 1.5% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | $199,677 |
| Q1 2026 | $199,677 |
| Q4 2025 | — |
| Q3 2025 | — |
| Q2 2025 | — |
| Q1 2025 | $375,786 |
| Q4 2024 | $134,550 |
PAYS has spent almost nothing on buybacks in the past year.
MSFT Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 0.1x | Very low |
| Q2 2026 | 0.1x | Very low |
MSFT's net debt is less than a year of its operating earnings (EBITDA).
PAYS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.9x | Net Cash |
| Q2 2026 | -0.8x | Net Cash |
| Q1 2026 | -0.7x | Net Cash |
| Q4 2025 | -0.8x | Net Cash |
| Q3 2025 | 0.0x | Very low |
| Q2 2025 | -0.3x | Net Cash |
| Q1 2025 | 0.3x | Very low |
| Q4 2024 | -1.5x | Net Cash |
PAYS has the edge over MSFT on leverage, with a lower net debt burden relative to earnings.
MSFT Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 62.1 | Neutral |
| Stochastic | 68.0 | Neutral |
MSFT's weekly RSI is 62 (neutral) and its Stochastic is 68 (neutral).
PAYS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 43.6 | Neutral |
| Stochastic | 51.3 | Neutral |
PAYS's weekly RSI is 44 (neutral) and its Stochastic is 51 (neutral).
MSFT PE vs Technology Sector
| Metric | MSFT | Sector median | Relative |
|---|---|---|---|
| PE | 27x | 28x | 2% below |
| PE % | 16 | 35 | 19 pts below |
MSFT has the edge over PAYS on valuation relative to its sector.
PAYS PE vs Technology Sector
| Metric | PAYS | Sector median | Relative |
|---|---|---|---|
| PE | 29x | 28x | 3.2% above |
| PE % | 13 | 35 | 22 pts below |
PAYS is trading at 29x earnings, in line with the Technology sector's median of 28x.
MSFT Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $524.7 | 0.3% below |
| 20 week MA | $484.8 | 7.9% above |
| 50 week MA | $446.9 | 17% above |
| 100 week MA | $453.8 | 15% above |
| 200 week MA | $411.5 | 27% above |
MSFT has the edge over PAYS on trend strength, trading above more of its moving averages.
PAYS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $13.8 | 31% below |
| 20 week MA | $12.3 | 23% below |
| 50 week MA | $8.11 | 17% above |
| 100 week MA | $6.25 | 52% above |
| 200 week MA | $4.77 | 99% above |
PAYS has pulled back, but its long-term trend is still up: it's below its 8- and 20-week averages, but 99% above its 200-week average.
MSFT Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $159.0 | $222.8 | +40% |
| 2021 | $222.8 | $334.7 | +50% |
| 2022 | $334.7 | $238.7 | -29% |
| 2023 | $238.7 | $376.0 | +58% |
| 2024 | $376.0 | $430.5 | +14% |
| 2025 | $430.5 | $487.7 | +13% |
| 2026 YTD | $487.7 | $523.0 | +7.2% |
MSFT has finished higher in five of the last six years, two of them by more than 50%. It's up 7.2% so far in 2026.
PAYS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $9.99 | $4.83 | -52% |
| 2021 | $4.83 | $1.56 | -68% |
| 2022 | $1.56 | $2.42 | +55% |
| 2023 | $2.42 | $2.80 | +16% |
| 2024 | $2.80 | $3.27 | +17% |
| 2025 | $3.27 | $5.26 | +61% |
| 2026 YTD | $5.26 | $9.49 | +80% |
PAYS has the edge over MSFT on returns for 2026, with the stronger performance.