MSFT
Microsoft Corporation
MSFT has the edge over PSFE overall, supported by stronger fundamentals and lower modeled downside.
PSFE
Paysafe Limited
PSFE's outlook is improving, though it still trails on the overall score.
MSFT Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| Healthy | |
| Strong |
MSFT's revenue, profitability, cash flow and balance sheet are all currently healthy.
PSFE Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Weak | |
| Healthy | |
| Weak |
PSFE's cash flow is currently healthy, and its revenue is stable, but its profitability and balance sheet are weak.
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's PE is in its cheap range at 27x. If earnings grow as analysts expect, today's price would be 25x next year's earnings.
PSFE PE Valuation
PSFE has no meaningful PE right now: it lost money over the past year.
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.
PSFE Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Strong growth | |
| Growth | |
| Improving | |
| Limited | |
| Low |
PSFE 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 PSFE on earnings quality, reporting a profit while its opponent remains loss making.
PSFE Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.12 | — |
| Q3 2026 | -$7.02 | -$4.86 |
| Q2 2026 | -$3.80 | -$2.95 |
| Q1 2026 | -$3.52 | -$3.50 |
| Q4 2025 | -$3.14 | -972% |
| Q3 2025 | -$2.16 | -$1.78 |
| Q2 2025 | -$0.85 | -$0.64 |
| Q1 2025 | -$0.02 | +$0.20 |
| Q4 2024 | $0.36 | +$0.69 |
PSFE lost $7.02 per share over the past year, and its loss has widened in each of the last seven quarters.
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 has the edge over PSFE on sales, with more consistent year-over-year improvement.
| 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 PSFE on profitability, with a higher operating margin.
PSFE Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $439.6M | +1.3% |
| Q2 2026 | $447.4M | +4.5% |
| Q1 2026 | $442.7M | +10% |
| Q4 2025 | $438.4M | +4.4% |
| Q3 2025 | $433.8M | +1.6% |
| Q2 2025 | $428.2M | -2.7% |
| Q1 2025 | $401M | -4% |
| Q4 2024 | $420.1M | +1.3% |
PSFE's revenue has grown year over year for five quarters in a row: $440M last quarter, up 1.3% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | -42% | -51 points |
| Q2 2026 | -2.8% | -7.6 points |
| Q1 2026 | 0.2% | -2.3 points |
| Q4 2025 | 0.5% | -6.6 points |
| Q3 2025 | 9% | +0.9 points |
| Q2 2025 | 4.8% | -3.5 points |
| Q1 2025 | 2.6% | -5.3 points |
| Q4 2024 | 7% | -4.1 points |
PSFE's operating margin was −42% last quarter, down 51 points from the same quarter a year ago, near the bottom of its range since 2019.
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 has the edge over PSFE on cash flow, with stronger typical year-over-year growth.
PSFE Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $28.4M | -58% |
| Q2 2026 | $24.5M | -33% |
| Q1 2026 | $63.3M | +32% |
| Q4 2025 | $71.8M | +32% |
| Q3 2025 | $66.9M | -15% |
| Q2 2025 | $36.8M | -26% |
| Q1 2025 | $48.2M | -13% |
| Q4 2024 | $54.4M | -91% |
PSFE still generates free cash flow, though less than at its 2022 peak: $188M over the past year.
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 7.4B diluted shares, about the same as a year ago.
| 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.
PSFE Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.1% | -50.2K shares |
| 1 year | -9.3% | -5.4M shares |
| 3 years | -15% | -9.4M shares |
| 5 years | -13% | -8.1M shares |
| Available history | -13% | -8.1M shares |
PSFE has the edge over MSFT on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q4 2020 | — |
| Q3 2020 | — |
| Q2 2020 | — |
| Q1 2020 | — |
| Q4 2019 | — |
MSFT Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 0.1x | Very low |
| Q2 2026 | 0.1x | Very low |
MSFT has the edge over PSFE on leverage, with a lower net debt burden relative to earnings.
PSFE Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 27.8x | High |
| Q2 2026 | 7.4x | High |
| Q1 2026 | 6.6x | High |
| Q4 2025 | 6.8x | High |
| Q3 2025 | 6.1x | High |
| Q2 2025 | 6.2x | High |
| Q1 2025 | 5.6x | High |
| Q4 2024 | 5.3x | High |
PSFE's net debt is more than 20 years of its operating earnings (EBITDA), up from 6.1 years a year ago.
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).
PSFE Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 32.0 | Neutral |
| Stochastic | 18.1 | Oversold |
PSFE's weekly RSI is 32 (neutral) and its Stochastic is 18 (oversold).
MSFT PE vs Technology Sector
| Metric | MSFT | Sector median | Relative |
|---|---|---|---|
| PE | 27x | 28x | 2% below |
| PE % | 16 | 35 | 19 pts below |
MSFT is trading at 27x earnings, in line with the Technology sector's median of 28x.
PSFE PE vs Technology Sector
PSFE has no meaningful PE right now: it lost money over the past year.
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 PSFE on trend strength, trading above more of its moving averages.
PSFE Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $5.65 | 32% below |
| 20 week MA | $6.64 | 42% below |
| 50 week MA | $7.17 | 46% below |
| 100 week MA | $10.7 | 64% below |
| 200 week MA | $13.3 | 71% below |
PSFE is in a downtrend: it's below all five of its weekly moving averages, and 71% below 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 the edge over PSFE on returns for 2026, with the stronger performance.
PSFE Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $119.4 | $182.8 | +53% |
| 2021 | $182.8 | $48.8 | -73% |
| 2022 | $48.8 | $12.8 | -74% |
| 2023 | $12.8 | $12.8 | -0.2% |
| 2024 | $12.8 | $17.4 | +36% |
| 2025 | $17.4 | $8.03 | -54% |
| 2026 YTD | $8.03 | $3.87 | -52% |
PSFE has finished lower in four of the last six years. It's down 52% so far in 2026.