MU
Micron Technology, Inc.
MU has the edge over PAYS overall, supported by stronger modeled upside and lower modeled downside.
PAYS
PaySign, Inc.
PAYS's outlook is improving, though it still trails on the overall score.
MU Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| Strong | |
| Strong |
MU's revenue, profitability, cash flow and balance sheet are all currently strong.
PAYS Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| Strong | |
| Strong |
PAYS's revenue, profitability, cash flow and balance sheet are all currently strong.
MU PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 4.6x | $798 | — |
| Cheap | 10x | $777 | -2.7% |
| Current | 11x | $798 | — |
| Fair | 22x | $1,646 | +106% |
| Expensive | 32x | $2,404 | +201% |
Historical ranges are pointers, not guarantees.
MU's PE is in its cheap range at 11x. If earnings grow as analysts expect, today's price would be 4.6x next year's earnings.
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 has the edge over MU in the historical PE scenario, which offers more potential upside but is not a forecast.
MU Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Broad | |
| Moderate |
Analysts expect strong earnings and revenue growth for MU, with profitability improving.
PAYS Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| Low |
Analysts expect strong earnings and revenue growth for PAYS, with profitability improving. However, they disagree widely on these estimates.
MU Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $174.95 | +135% |
| Q3 2026 | $74.33 | +879% |
| Q2 2026 | $44.17 | +693% |
| Q1 2026 | $21.18 | +405% |
| Q4 2025 | $10.52 | +201% |
| Q3 2025 | $7.59 | +984% |
| Q2 2025 | $5.57 | +$6.99 |
| Q1 2025 | $4.19 | +$7.64 |
| Q4 2024 | $3.49 | +$9.77 |
MU 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.
MU Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $54.2B | +379% |
| Q2 2026 | $41.5B | +346% |
| Q1 2026 | $23.9B | +196% |
| Q4 2025 | $13.6B | +57% |
| Q3 2025 | $11.3B | +46% |
| Q2 2025 | $9.3B | +37% |
| Q1 2025 | $8.1B | +38% |
| Q4 2024 | $8.7B | +84% |
MU has the edge over PAYS on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 81% | +48 points |
| Q2 2026 | 80% | +57 points |
| Q1 2026 | 68% | +46 points |
| Q4 2025 | 45% | +20 points |
| Q3 2025 | 32% | +13 points |
| Q2 2025 | 23% | +13 points |
| Q1 2025 | 22% | +19 points |
| Q4 2024 | 25% | +49 points |
MU 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's revenue has grown year over year for 22 quarters in a row: $31M last quarter, up 43% from the same quarter a year ago.
| 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.
MU Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $32.9B | +45543% |
| Q2 2026 | $17.6B | +951% |
| Q1 2026 | $5.5B | +$5.6B |
| Q4 2025 | $3B | +7853% |
| Q3 2025 | $72M | -75% |
| Q2 2025 | $1.7B | +322% |
| Q1 2025 | -$113M | +$52M |
| Q4 2024 | $38M | +$433M |
MU has the edge over PAYS on cash flow, with more consistent year-over-year improvement.
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 generated $130M in free cash flow over the past year, about seven times what it generated the year before.
MU Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.2% | -2M shares |
| 1 year | +1.6% | +18M shares |
| 3 years | +4.6% | +50M shares |
| 5 years | +0.2% | +2M shares |
| Available history | +1.2% | +14M shares |
MU has 1.1B diluted shares, up 1.6% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | — |
| Q1 2026 | $350M |
| Q4 2025 | $300M |
| Q3 2024 | $300M |
| Q2 2024 | — |
| Q1 2024 | — |
| Q4 2023 | — |
MU has spent almost nothing on buybacks in the past year.
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 the edge over MU on shareholder dilution, with a more favorable share count trend.
| 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.
MU Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.3x | Net Cash |
| Q2 2026 | -0.3x | Net Cash |
| Q1 2026 | -0.1x | Net Cash |
| Q4 2025 | 0.1x | Very low |
| Q3 2025 | 0.3x | Very low |
| Q2 2025 | 0.3x | Very low |
| Q1 2025 | 0.5x | Very low |
| Q4 2024 | 0.6x | Very low |
MU has more cash than debt.
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 MU on leverage, with a lower net debt burden relative to earnings.
MU Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 47.1 | Neutral |
| Stochastic | 26.9 | Neutral |
MU's weekly RSI is 47 (neutral) and its Stochastic is 27 (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).
MU PE vs Technology Sector
| Metric | MU | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 28x | 61% below |
| PE % | 18 | 35 | 17 pts below |
MU 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.
MU Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $914.5 | 13% below |
| 20 week MA | $931.0 | 14% below |
| 50 week MA | $685.9 | 16% above |
| 100 week MA | $405.4 | 97% above |
| 200 week MA | $246.0 | 225% above |
MU has pulled back, but its long-term trend is still up: it's below its 8- and 20-week averages, but 225% above its 200-week average.
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.
MU Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $54.0 | $70.6 | +31% |
| 2021 | $70.6 | $94.4 | +34% |
| 2022 | $94.4 | $50.2 | -47% |
| 2023 | $50.2 | $85.3 | +70% |
| 2024 | $85.3 | $88.6 | +3.9% |
| 2025 | $88.6 | $284.8 | +221% |
| 2026 YTD | $284.8 | $798.4 | +180% |
MU has the edge over PAYS on returns for 2026, with the stronger performance.
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 finished higher in four of the last six years, two of them by more than 50%. It's up 80% so far in 2026.