Paymentus Holdings, Inc. PAY

30.17 (0.78) (2.52%) as of 25 Sep
Market cap
$3.9B
P/E
45.0×
Growth Flags show if company had growth for consecutive years

Insider Decisions

Total sells 7.14
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — 1 2 —
Insider Ownership 54.62%

Capital & Financial Ratios

Market Cap 3,900.00
Revenue 1,360.37
Net Income 84.86
Free Cash Flow 121.39
Net Debt (379.70)
Current Ratio 4.89
Debt/Equity 0.00
P/E ratio 45.03
P/S ratio 2.79
P/B ratio 6.19
Past 5Y EPS Growth 35.18%
This Y EPS Growth 38.89%
Next Y EPS Growth 20.00%
Next 5Y EPS Growth 28.03%
in millions of $

Dividends

Payout Ratio 0.00
Annual Dividend Rate —
Annual Dividend Yield —
total individual payouts
2022 0.09
0.09
2021 0.33
0.08
0.08
0.08
0.09
2020 0.44
0.21
0.08
0.08
0.08
2019 0.63
0.21
0.21
0.21
2018 0.83
0.55
0.28
2017 1.21
0.39
0.55
0.28
2016 0.76
0.49
0.27
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 183 209 325 380
Receivables 77 123 104 107
Inventory — — — —
Other — — — —
270 346 441 494
2023 2024 2025 Q'26
Payables 35 50 64 71
ST’ Debt — — — —
Other 4 3 3 4
63 82 99 101
in millions of $

Compound Annual Growth

10y 5y 3y
Sales — 31.72% 34.03%
Cash Flow — 35.40% 101.33%
Earnings — 51.01% 0.00%
Book Value — 46.03% 12.16%

Revenue

Mar Jun Sep Dec Year
’26 358 361 — — —
’25 275 280 311 330 1,197
’24 185 197 232 258 872
’23 148 149 152 165 614
’22 117 120 128 132 497
’21 92 93 102 108 396
’20 70 72 78 82 302
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

Mar Jun Sep Dec Year
’26 30 49 — — —
’25 50 31 35 45 162
’24 11 18 7 28 64
’23 5 26 13 24 69
’22 3 4 (2) 15 20
’21 7 6 7 0 19
’20 — 16 12 7 36
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

Mar Jun Sep Dec Year
’26 21 39 — — —
’25 41 22 26 36 125
’24 2 9 (2) 19 27
’23 (4) 18 4 16 35
’22 (4) (4) (10) 7 (11)
’21 3 1 2 (6) (1)
’20 — 8 8 4 21
in millions of $ · fiscal quarters ending in the months shown

EPS

Mar Jun Sep Dec Year
’26 0.16 0.20 — — —
’25 0.11 0.11 0.14 0.16 0.52
’24 0.06 0.07 0.11 0.10 0.35
’23 0.01 0.05 0.05 0.07 0.18
’22 0.01 (0.02) (0.01) 0.01 0.00
’21 0.03 0.00 0.00 0.04 0.06
’20 0.02 0.04 0.02 0.03 0.13
fiscal quarters ending in the months shown

Target Price Range

Analyst price targets

Recommendation Rating

2.1
1Buy 2 3Hold 4 5Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
— — — — — 22.53 6.75 7.02 14.77 22.65

Analyst estimates 2026–2028

Powerpack
Low Price
— — — — — 39.23 35.00 18.79 38.94 40.43
High Price
— — — — 916 1,116 1,260 1,273 1,307 1,340
Employees
— — — 0 0 0 0 0 1 1
Revenue/Emp
— — — 236 302 396 497 614 872 1,197
Revenue
— — — 31.57% 30.69% 30.69% 30.12% 29.67% 27.32% 24.77%
Gross Margin
— — — 18 18 10 (1) 25 54 85
EBT
— — — 7.84% 6.09% 2.62% (0.26%) 4.09% 6.19% 7.13%
EBT Margin
— 0 — 14 14 9 (1) 22 44 67
Net Income
— — — 6 8 14 26 34 40 45
Depreciation
— — — 2.28 2.92 3.51 4.07 4.98 7.01 9.55
Revenue/Sh
— — — 0.13 0.13 0.06 0.00 0.18 0.36 0.53
Earnings/Sh
— — — 0.17 0.34 0.17 0.16 0.56 0.51 1.29
Cash Flow/Sh
— — — (0.12) (0.14) (0.18) (0.26) (0.28) (0.29) (0.30)
Capex/Sh
— — — 0.05 0.20 (0.01) (0.09) 0.28 0.22 1.00
Free CF/Sh
— — — 0.66 0.82 3.42 3.25 3.48 3.90 4.47
Book Value/Sh
— — — 103 103 113 122 124 124 125
Shares
— — — 210.68 210.68 443.91 0.00 94.29 88.30 59.60
PE Ratio
— — — 9.13 9.13 9.97 2.01 3.52 4.66 3.31
PS Ratio
— — — 33.11 33.11 10.22 2.51 5.03 8.37 7.06
PB Ratio
— — — 8.99 8.99 9.46 1.71 3.22 4.42 3.04
EV/Sales
— — — 123.93 123.93 (4,762.73) (74.33) 57.80 143.92 29.12
EV/FCF
— — — 18 36 19 20 69 64 162
Op' Cash Flow
— — — (13) (15) (20) (31) (34) (37) (37)
Capex
— — — 5 21 (1) (11) 35 27 125
FCF
— — — 42 49 182 177 208 264 342
Working Cap'
— — — 1 0 1 1 — — —
Total Debt
— — — (27) (46) (201) (149) (183) (209) (325)
Net Debt
— — — 69 84 386 397 430 486 560
Sh' Equity
— — — 22.37% 8.30% 2.36% (0.11%) 4.62% 8.17% 10.76%
ROA
— — — 27.88% 30.21% 3.50% (0.75%) 4.59% 10.15% 20.02%
ROIC
— — — 11.77% 11.15% 2.99% (0.13%) 5.40% 9.65% 12.80%
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Paymentus Holdings, Inc. peers in Software Infrastructure

All 173 Software Infrastructure stocks →

Paymentus Holdings, Inc. (PAY) key facts

  • Paymentus Holdings, Inc. (PAY) is a Software Infrastructure company in the Technology sector, listed on the New York Stock Exchange.
  • Paymentus Holdings, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $1.2 billion, up 37.3% from fiscal 2024.
  • Net income was $66.9 million, or $0.53 per share (basic), a net margin of 5.59%.
  • As of September 25, 2026, PAY traded at $30.17, a market capitalization of $3.9 billion.
  • At that price the stock trades at 45.0× trailing-twelve-month earnings and 2.8× sales.
  • Return on equity was 12.8% and debt-to-equity 0.00.

Source: company filings (standardised) and stockrow calculations.

Paymentus Holdings, Inc. (PAY) Latest News

News by impact score

Fine-tune

4 Sep

3

Paymentus Holdings (PAY) draws intense market attention today over developments that may sway its stock trajectory and investor focus. Developments around PAY point to moderate effects on operations and sentiment without major trajectory shifts.

13 Aug

3

Paymentus Holdings (PAY) draws fresh attention amid developments that highlight its expanding role in bill payment solutions and potential growth catalysts in fintech sector. Renewed spotlight may moderately lift investor sentiment and visibility without altering core trajectory.

11 Aug

3

Paymentus Holdings Inc. Q2 earnings call drew five key analyst questions on performance metrics, growth strategy and operational outlook. Q2 earnings call questions can moderately shape investor views on Paymentus trajectory.

3

Paymentus Holdings (PAY) presents three reasons for growth investors to consider the stock, citing strong revenue expansion, market opportunities in bill payments and digital channels plus improving profitability metrics. Positive investor-focused coverage may lift short-term sentiment and trading interest without altering core operations.

10 Aug

3

Earnings estimates for Paymentus Holdings, Inc. (PAY) are rising, raising questions about potential stock gains. Rising earnings estimates may lift short-term investor sentiment and valuation for Paymentus Holdings without altering core operations.

4 Aug

4 transcript

Paymentus Holdings Inc posted record revenue in Q2 2026 earnings call. Record revenue signals strong growth that can significantly lift valuation and investor outlook.

3 transcript

Paymentus Holdings, Inc. held its Q2 2026 earnings call covering revenue, growth metrics, operational updates, and forward outlook for its payment solutions business. Quarterly earnings releases deliver financial metrics and guidance that moderately shape near-term investor views and stock movement.

3 Aug

3

Paymentus Holdings reported Q2 results with revenue growth, margin details and raised guidance during its earnings call. Q2 metrics and guidance can moderately shift near-term investor sentiment and valuation.

3

Paymentus Holdings, Inc. (PAY) exceeded Q2 earnings and revenue estimates. Quarterly earnings beat lifts near-term sentiment and stock reaction but does not shift long-term strategy or competitive position.

3

Paymentus Holdings reported strong Q2 CY2026 results, prompting an 11.9% stock price increase. Quarterly earnings beat and resulting stock gain point to moderately positive effects on near-term sentiment and performance.

3

Paymentus Holdings reported second quarter 2026 financial results. Quarterly results disclosure influences near-term stock valuation and sentiment.

2 Aug

3

Paymentus Holdings (PAY) is preparing to report Q2 earnings, with focus on revenue growth, profitability metrics, and comparisons to prior periods and analyst estimates. Upcoming quarterly earnings can shift near-term stock sentiment and valuation but rarely redefine long-term company trajectory on their own.

25 Jul

3

Paymentus Holdings reshuffles its board amid an undervalued growth narrative. Board reshuffle may influence governance and strategic direction.

1 Jul

3

Paymentus Holdings reported Q1 earnings that positioned the company as the top performer among diversified financial services peers. Q1 earnings beat positions PAY for moderate positive shifts in near-term sentiment and valuation.

11 Jun

4

Paymentus Holdings reported record profits and announced a reorganization to drive the next stage of growth. Record profits combined with reorganization signal major strategic moves likely to boost financial performance and investor sentiment.

4 Jun

3

Paymentus (PAY) shares fell 22.3% over four weeks yet fundamentals point to an upcoming turnaround. Turnaround narrative after a sharp drop can moderately influence near-term sentiment and valuation.

2 Jun

3

Paymentus Holdings (PAY) is one of three growth companies identified with high insider ownership and forecasts for 67% earnings growth. Projected 67% earnings growth with high insider ownership signals moderately positive influence on PAY's financial trajectory and investor view.

31 May

4

Paymentus Holdings reported another strong quarter fueled by accelerating momentum in digital payments. Strong quarterly results and expanding digital payments momentum signal major positive effects on Paymentus financial trajectory and investor sentiment.

17 May

4

Paymentus Holdings posted strong Q1 results and launched new AI billing solutions, triggering a valuation assessment for the company. Strong Q1 results plus new AI billing solutions represent major product launches likely to boost growth and shift investor sentiment.

13 May

3

Paymentus Holdings' Q1 earnings call spotlighted five key analyst questions probing growth strategies, competitive positioning, revenue guidance, platform expansions, and market challenges. Earnings call analyst questions address core financials and strategy, likely influencing short-to-medium term investor sentiment without transformative shifts.

11 May

4

Paymentus Holdings, Inc. (PAY) is well-poised for a potential stock surge due to strong growth prospects, expanding market opportunities, and robust financial performance. Bullish outlook highlights strategic strengths that could significantly boost stock trajectory and investor sentiment.

7 May

4

Paymentus Holdings (PAY) beat earnings expectations and launched a new AI-native service commerce platform, drawing strong investor reactions including optimism about growth prospects and stock price surges. Earnings beat plus AI-native service launch constitutes major strategic advancements likely to significantly boost growth trajectory and investor sentiment.

4 May

4

Paymentus Holdings reported Q1 revenue of $156.5 million, up 23% year-over-year, beating estimates; EPS of $0.13 topped forecasts; company raised full-year revenue guidance to $645-655 million and highlighted 93% core revenue growth, new wins exceeding $160 million ARR, and expansion in healthcare and utilities. Q1 earnings beat, raised guidance, and strong ARR wins indicate significant positive trajectory shift for future performance.

4

Paymentus Holdings, Inc. released Q1 2026 earnings call summary highlighting financial results, revenue growth, profitability metrics, and future guidance. Quarterly earnings summaries provide critical financial data and outlook that significantly shape investor expectations and stock trajectory.

4

Paymentus Holdings, Inc. (PAY) Q1 earnings and revenues exceeded analyst estimates. Q1 earnings and revenue beats demonstrate strong financial performance, likely driving positive investor sentiment and stock price gains.

4

Paymentus Holdings, Inc. (NYSE:PAY) reported strong Q1 CY2026 results, causing its stock to soar. Strong Q1 results and stock surge signal significant positive impact on financial performance and investor sentiment.

4

Paymentus Holdings, Inc. (PAY) launched AI-Native Service Commerce, transforming bills into intelligent experiences that enable end-to-end service relationships and payments. AI-native Service Commerce launch represents a major strategic product innovation strengthening Paymentus's position in the payments and service sector.

4

Paymentus Holdings, Inc. (PAY) reported first quarter 2026 financial results. Quarterly earnings reports like Q1 2026 results significantly affect financial performance, stock price, and investor sentiment.

3 May

4

Paymentus Holdings, Inc. (PAY) releases quarterly earnings tomorrow, with previews highlighting expected revenue growth, profitability metrics, and guidance amid analyst forecasts. Pre-earnings previews heighten anticipation for results that could drive major stock volatility and shift investor outlook on financial health.

24 Apr

3

Paymentus Holdings shows robust growth in cloud billing, yet raises concerns over its elevated valuation and sustaining momentum. Valuation questions amid cloud billing growth may moderately sway investor sentiment and stock trajectory.

stockrow.com/PAY · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com