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Paymentus Holdings, Inc. (PAY)

NYSE: PAY · USD

$31.6

-0.31 (-1.0%)· Recorded snapshot

Market cap	4B
Revenue (ttm)	1.4B
Net income (ttm)	84.9M
EPS (ttm)	$0.66
Shares out	125.9M
P/E (trailing)	47.8x
P/E (forward)	32.4x
Volume	317,427
Beta	1.34

Market data

Price

Recent price action with selectable time range.

Metric	Value
Amount currency	USD
CIK code	0001841156
Company name	Paymentus Holdings, Inc.
Country	United States
Country code	US
CUSIP number	70439P108
Earnings date	2026-11-02
Earnings time	amc
Employees	1,340
Employees change	33
Employees growth	2.52%
Enterprise value	$3.6B
Exchange	NYSE
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	December
Founded	2004
In index	RUSSELL2000
Industry	Software - Infrastructure
IPO date	2021-05-26
Is primary listing	Yes
Is SPAC	No
ISIN number	US70439P1084
Last 10-K release date	2026-02-24
Last earnings date	2026-08-03
Last refreshed	2026-10-28
Last stock split type	Never
Market cap	$4B
Market cap category	Mid-Cap
Next earnings date	2026-11-02
Options	Yes
Price	$31.56
Price currency	USD
Sector	Technology
SIC code	7389
Stock price date	2026-10-28
Symbol	PAY
U.S. state	North Carolina
Website	https://www.paymentus.com

Metric

Value

Amount currency

USD

CIK code

0001841156

Company name

Paymentus Holdings, Inc.

Country

United States

Country code

CUSIP number

70439P108

Earnings date

2026-11-02

Earnings time

amc

Employees

1,340

Employees change

Employees growth

2.52%

Enterprise value

$3.6B

Exchange

NYSE

Financial currency

USD

Financial report date

2026-06-30

First seen

2026-05-09

Fiscal year end

December

Founded

2004

In index

RUSSELL2000

Industry

Software - Infrastructure

IPO date

2021-05-26

Is primary listing

Yes

Is SPAC

ISIN number

US70439P1084

Last 10-K release date

2026-02-24

Last earnings date

2026-08-03

Last refreshed

2026-10-28

Last stock split type

Never

Market cap

$4B

Market cap category

Mid-Cap

Next earnings date

2026-11-02

Options

Yes

Price

$31.56

Price currency

USD

Sector

Technology

SIC code

7389

Stock price date

2026-10-28

Symbol

PAY

U.S. state

North Carolina

Website

https://www.paymentus.com

Metric	Value
Adjusted P/E ratio	38.02x
Average P/E ratio (3Y)	75.94x
Average P/E ratio (5Y)	192.23x
Earnings yield	2.09%
EV/Earnings	42.44x
EV/EBIT	34.93x
EV/EBITDA	33.27x
EV/FCF	22.63x
EV/Sales	2.65x
FCF / EV yield	4.42%
FCF yield	4.01%
Forward EV/Sales	2.29x
Forward P/E	32.41x
Forward P/S	2.52x
Graham number	8.50393
Graham upside	-73.01%
Industry forward P/E	29.48x
Industry P/E	39.18x
Lynch fair value	$16.50
Lynch upside	-47.65%
P/(FCF - SBC) ratio	29.15x
P/(OCF - SBC) ratio	29.07x
P/B ratio	6.54x
P/E ratio	47.83x
P/FCF ratio	24.94x
P/OCF ratio	24.88x
P/S ratio	2.92x
Price / tangible book value	9.96x
Price/EBITDA ratio	36.66x
Sector forward P/E	18.55x
Sector P/E	32.64x

Metric

Value

Adjusted P/E ratio

38.02x

Average P/E ratio (3Y)

75.94x

Average P/E ratio (5Y)

192.23x

Earnings yield

2.09%

EV/Earnings

42.44x

EV/EBIT

34.93x

EV/EBITDA

33.27x

EV/FCF

22.63x

EV/Sales

2.65x

FCF / EV yield

4.42%

FCF yield

4.01%

Forward EV/Sales

2.29x

Forward P/E

32.41x

Forward P/S

2.52x

Graham number

8.50393

Graham upside

-73.01%

Industry forward P/E

29.48x

Industry P/E

39.18x

Lynch fair value

$16.50

Lynch upside

-47.65%

P/(FCF - SBC) ratio

29.15x

P/(OCF - SBC) ratio

29.07x

P/B ratio

6.54x

P/E ratio

47.83x

P/FCF ratio

24.94x

P/OCF ratio

24.88x

P/S ratio

2.92x

Price / tangible book value

9.96x

Price/EBITDA ratio

36.66x

Sector forward P/E

18.55x

Sector P/E

32.64x

Metric	Value
EBIT margin	7.58%
EBITDA margin	7.96%
Effective tax rate	25.47%
FCF margin	11.7%
Gross margin	24.95%
Operating margin	7.58%
Pretax margin	8.37%
Profit margin	6.24%
Profit per employee	$63,326
Profitable quarters	15
Profitable years	3
Revenue per employee	$1M
ROA	9.65%
ROA (5Y)	3.38%
ROCE	16.52%
ROE	15.02%
ROE (5Y)	6.33%
ROIC	30.89%
ROIC (5Y)	9.45%
SBC / revenue	1.69%
Tax / revenue	2.13%

Metric

Value

EBIT margin

7.58%

EBITDA margin

7.96%

Effective tax rate

25.47%

FCF margin

11.7%

Gross margin

24.95%

Operating margin

7.58%

Pretax margin

8.37%

Profit margin

6.24%

Profit per employee

$63,326

Profitable quarters

Profitable years

Revenue per employee

$1M

ROA

9.65%

ROA (5Y)

3.38%

ROCE

16.52%

ROE

15.02%

ROE (5Y)

6.33%

ROIC

30.89%

ROIC (5Y)

9.45%

SBC / revenue

1.69%

Tax / revenue

2.13%

Metric	Value
EPS growth	50.12%
EPS growth (Q)	81.82%
EPS growth (QoQ)	25%
EPS growth 3Y	129.03%
EPS growth 5Y	67.71%
EPS growth quarters	13
EPS growth years	2
FCF growth	36.91%
FCF growth (Q)	55.43%
FCF growth (QoQ)	60.5%
FCF growth 3Y	54.44%
FCF growth 5Y	38.04%
Gross profit growth	28.46%
Gross profit growth (Q)	31.95%
Gross profit growth 3Y	27.19%
Gross profit growth 5Y	26.46%
Net income growth	51.26%
Net income growth (Q)	73.79%
Net income growth (QoQ)	22.4%
Net income growth 3Y	132.37%
Net income growth 5Y	72.65%
Net income growth quarters	13
Net income growth years	3
OCF growth	36.84%
OCF growth (Q)	55.22%
OCF growth (QoQ)	60.45%
OCF growth 3Y	53.6%
OCF growth 5Y	37.5%
Operating income growth	78.1%
Operating income growth (Q)	104.88%
Operating income growth 3Y	189.21%
Operating income growth 5Y	42.85%
Revenue growth	30.21%
Revenue growth (Q)	28.8%
Revenue growth (QoQ)	0.64%
Revenue growth 3Y	34.62%
Revenue growth 5Y	31.49%
Revenue growth quarters	22
Revenue growth years	6

Metric

Value

EPS growth

50.12%

EPS growth (Q)

81.82%

EPS growth (QoQ)

25%

EPS growth 3Y

129.03%

EPS growth 5Y

67.71%

EPS growth quarters

EPS growth years

FCF growth

36.91%

FCF growth (Q)

55.43%

FCF growth (QoQ)

60.5%

FCF growth 3Y

54.44%

FCF growth 5Y

38.04%

Gross profit growth

28.46%

Gross profit growth (Q)

31.95%

Gross profit growth 3Y

27.19%

Gross profit growth 5Y

26.46%

Net income growth

51.26%

Net income growth (Q)

73.79%

Net income growth (QoQ)

22.4%

Net income growth 3Y

132.37%

Net income growth 5Y

72.65%

Net income growth quarters

Net income growth years

OCF growth

36.84%

OCF growth (Q)

55.22%

OCF growth (QoQ)

60.45%

OCF growth 3Y

53.6%

OCF growth 5Y

37.5%

Operating income growth

78.1%

Operating income growth (Q)

104.88%

Operating income growth 3Y

189.21%

Operating income growth 5Y

42.85%

Revenue growth

30.21%

Revenue growth (Q)

28.8%

Revenue growth (QoQ)

0.64%

Revenue growth 3Y

34.62%

Revenue growth 5Y

31.49%

Revenue growth quarters

Revenue growth years

Metric	Value
Capital expenditures	$-378,000
Depreciation and amortization	$5.1M
EBIT	$103.1M
EBITDA	$108.2M
EPS	$0.66
FCF per share	$1.26
Financing cash flow	$-12.3M
Free cash flow	$159.1M
Free cash flow minus SBC	$136.1M
Gross profit	$339.4M
Income taxes	$29M
Investing cash flow	$-37.3M
Net cash flow	$109.7M
Net income	$84.9M
Operating cash flow minus SBC	$136.5M
Operating income	$103.1M
Revenue	$1.4B
Stock-based compensation	$23M

Metric

Value

Capital expenditures

$-378,000

Depreciation and amortization

$5.1M

EBIT

$103.1M

EBITDA

$108.2M

EPS

$0.66

FCF per share

$1.26

Financing cash flow

$-12.3M

Free cash flow

$159.1M

Free cash flow minus SBC

$136.1M

Gross profit

$339.4M

Income taxes

$29M

Investing cash flow

$-37.3M

Net cash flow

$109.7M

Net income

$84.9M

Operating cash flow minus SBC

$136.5M

Operating income

$103.1M

Revenue

$1.4B

Stock-based compensation

$23M

Metric	Value
Altman Z-Score	23.03
Book value per share	$4.87
Debt / EBITDA	0.09
Debt / equity	0.02
Debt / FCF	0.07
Goodwill	$131.8M
Long-term assets	$230.9M
Long-term liabilities	$10.8M
Net cash (debt)	$367.3M
Net cash / market cap	9.26%
Net cash growth	42.16%
Net debt / EBITDA	-3.39
Net debt / equity	-0.6
Net debt / FCF	-2.31
Piotroski F-Score	6
Property, plant and equipment	$10.6M
Shareholders' equity	$613.4M
Tangible book value	$398.5M
Tangible book value per share	$3.16
Total assets	$725.4M
Total cash	$377.7M
Total debt	$10.4M
Total liabilities	$112M
WACC	11.58%

Metric

Value

Altman Z-Score

23.03

Book value per share

$4.87

Debt / EBITDA

0.09

Debt / equity

0.02

Debt / FCF

0.07

Goodwill

$131.8M

Long-term assets

$230.9M

Long-term liabilities

$10.8M

Net cash (debt)

$367.3M

Net cash / market cap

9.26%

Net cash growth

42.16%

Net debt / EBITDA

-3.39

Net debt / equity

-0.6

Net debt / FCF

-2.31

Piotroski F-Score

Property, plant and equipment

$10.6M

Shareholders' equity

$613.4M

Tangible book value

$398.5M

Tangible book value per share

$3.16

Total assets

$725.4M

Total cash

$377.7M

Total debt

$10.4M

Total liabilities

$112M

WACC

11.58%

Metric	Value
Asset turnover	2.04
Current assets	$494.5M
Current liabilities	$101.2M
Current ratio	4.89
Net working capital	$18.4M
Quick ratio	4.79
Working capital	$393.3M
Working capital turnover	3.94

Metric

Value

Asset turnover

2.04

Current assets

$494.5M

Current liabilities

$101.2M

Current ratio

4.89

Net working capital

$18.4M

Quick ratio

4.79

Working capital

$393.3M

Working capital turnover

3.94

Metric	Value
Buyback yield / dilution	-0.38%
Dividend yield	0%
Shareholder yield	-0.38%

Metric

Value

Buyback yield / dilution

-0.38%

Dividend yield

Shareholder yield

-0.38%

Metric	Value
150-day SMA	$29.72
1D price change	-0.97%
1M price change	3.61%
1M total return	3.61%
1W price change	-5.16%
1W total return	-5.16%
1Y price change	-0.38%
1Y return CAGR	-0.38%
1Y total return	-0.38%
20-day SMA	$31.93
200-day SMA	$28.76
3M price change	-0.7%
3M total return	-0.7%
3Y price change	118.75%
3Y return CAGR	29.81%
3Y total return	118.75%
50-day SMA	$33.99
50-day SMA vs 200-day SMA	50over200
52-week high	$45.31
52-week high date	2026-08-04
52-week low	$20.11
52-week low date	2026-06-22
5Y price change	24.44%
5Y return CAGR	4.47%
5Y total return	24.44%
6M price change	12.73%
6M total return	12.73%
All-time high	$45.31
All-time high date	2026-08-04
All-time low	$6.75
All-time low date	2022-12-27
Average true range (ATR)	$1.26
Average volume	730K
Beta (1Y)	1.28
Beta (2Y)	1.16
Beta (5Y)	1.34
Change from 52-week high	-30.35%
Change from 52-week low	56.94%
Change from all-time high	-31.01%
Change from all-time low	363.11%
Change from open	-0.79%
Day's gap	-0.19%
Dollar volume	$10M
High price	$31.88
Low price	$31.26
Monthly RSI	53.07
Open price	$31.81
Position in 52-week range	48.39%
Premarket change	-0.28%
Premarket close	$31.87
Premarket price	$31.78
Previous close	$31.87
Price vs 150-day SMA	5.18%
Price vs 20-day SMA	-2.08%
Price vs 200-day SMA	8.68%
Price vs 50-day SMA	-8.04%
Relative volume	0.43
Return from IPO open	9.56%
Return from IPO price	50.05%
RSI	43.08
Sharpe ratio	0.23
Sharpe ratio (3Y)	0.64
Sharpe ratio (5Y)	0.33
Sortino ratio	0.49
Sortino ratio (3Y)	1.23
Sortino ratio (5Y)	0.61
Volume	317.4K
Weekly RSI	49.65
YTD price change	-1.04%
YTD total return	-1.04%

Metric

Value

150-day SMA

$29.72

1D price change

-0.97%

1M price change

3.61%

1M total return

3.61%

1W price change

-5.16%

1W total return

-5.16%

1Y price change

-0.38%

1Y return CAGR

-0.38%

1Y total return

-0.38%

20-day SMA

$31.93

200-day SMA

$28.76

3M price change

-0.7%

3M total return

-0.7%

3Y price change

118.75%

3Y return CAGR

29.81%

3Y total return

118.75%

50-day SMA

$33.99

50-day SMA vs 200-day SMA

50over200

52-week high

$45.31

52-week high date

2026-08-04

52-week low

$20.11

52-week low date

2026-06-22

5Y price change

24.44%

5Y return CAGR

4.47%

5Y total return

24.44%

6M price change

12.73%

6M total return

12.73%

All-time high

$45.31

All-time high date

2026-08-04

All-time low

$6.75

All-time low date

2022-12-27

Average true range (ATR)

$1.26

Average volume

730K

Beta (1Y)

1.28

Beta (2Y)

1.16

Beta (5Y)

1.34

Change from 52-week high

-30.35%

Change from 52-week low

56.94%

Change from all-time high

-31.01%

Change from all-time low

363.11%

Change from open

-0.79%

Day's gap

-0.19%

Dollar volume

$10M

High price

$31.88

Low price

$31.26

Monthly RSI

53.07

Open price

$31.81

Position in 52-week range

48.39%

Premarket change

-0.28%

Premarket close

$31.87

Premarket price

$31.78

Previous close

$31.87

Price vs 150-day SMA

5.18%

Price vs 20-day SMA

-2.08%

Price vs 200-day SMA

8.68%

Price vs 50-day SMA

-8.04%

Relative volume

0.43

Return from IPO open

9.56%

Return from IPO price

50.05%

RSI

43.08

Sharpe ratio

0.23

Sharpe ratio (3Y)

0.64

Sharpe ratio (5Y)

0.33

Sortino ratio

0.49

Sortino ratio (3Y)

1.23

Sortino ratio (5Y)

0.61

Volume

317.4K

Weekly RSI

49.65

YTD price change

-1.04%

YTD total return

-1.04%

Metric	Value
Float	60.9M
Float percentage	48.39%
Shares change (QoQ)	-0.24%
Shares change (YoY)	0.38%
Shares held by insiders	36.24%
Shares held by institutions	53.68%
Shares outstanding	125.9M
Short % of float	4.51%
Short % of shares	2.18%
Short ratio	2.3 days

Metric

Value

Float

60.9M

Float percentage

48.39%

Shares change (QoQ)

-0.24%

Shares change (YoY)

0.38%

Shares held by insiders

36.24%

Shares held by institutions

53.68%

Shares outstanding

125.9M

Short % of float

4.51%

Short % of shares

2.18%

Short ratio

2.3 days

Paymentus Holdings, Inc. (PAY)

Price

Financial snapshot

Fair-value bridge

Latest news · PAY

Valuation

Profitability

Balance sheet

Trading

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Sector percentile context

All PAY indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on PAY

Frequently asked questions