PAY

Paymentus Holdings, Inc.

Fundamental data last updated:October 24, 2026

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company profile

SECTOR

Technology

industry

Information Technology Services

Exchange

NYSE

County of HQ

US

Next Earnings Date

Pending Announcement

Business Summary

Paymentus Holdings, Inc. provides cloud-based bill payment technology and solutions. The company offers electronic bill presentment and payment services, enterprise customer communication, and self-service revenue management to billers through a software-as-a-service technology platform. The company serves utility, financial service, insurance, government, telecommunication, and healthcare industries. The company was founded in 2004 and is based in Redmond, Washington.

 


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VALUATION

P/E

39.47

Market Cap ($M USD)

$2.92B

Forward P/E

17.57

PEG

0.14

PRICE TO SALES

2.28

PRICE TO BOOK

5.01

EV / EBITDA

19.58

5-Year Average P/E

Free Cash Flow Yield

4.54%

DCF Value

$5.83

Graham Number

$7.85

Price to FCF

22.04

EV to FCF

19.51

Earnings Yield

2.53%

FCF Yield

4.54%

DIVIDEND

Yield

0.00%

Annual Payout

$0.00

Payout Ratio

0.00%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

$0.59

Next Year EPS Growth Estimate

$1.32

Next Year Revenue Growth Estimate

$2.00B

Return on Equity (ROE)

13.47%

FREE CASH FLOW

Operating Margin

6.75%

Debt-to-Equity

0.02

Piotroski F-Score

6

Altman Z-Score

18.46

Return on Invested Capital (ROIC)

14.61%

Current Ratio

4.41

Quick Ratio

4.41

Net Debt to EBITDA

-2.55

Interest Coverage

0.00

Gross Profit margin

24.74%

FCF PER SHARE

$1.05

REVENUE PER SHARE

$10.18

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Gainseekers Quantitative Analysis

Summary

The market appears to be mispricing Paymentus Holdings, Inc. relative to its intrinsic value. With a DCF value significantly below the snapshot price, the stock seems overvalued. However, the Forward P/E of 20.13 suggests potential growth, supported by a robust Altman Z-score of 20.65, indicating financial stability. The earnings yield of 2.21% is modest, but the company’s low debt levels enhance its safety profile. Overall, while the valuation is stretched, the financial health remains solid.

AI Exposure / Tech Reliance

Operating in the Information Technology Services industry, Paymentus is well-positioned to leverage AI and modern tech advancements. Its sector inherently demands innovation and adaptability, crucial for maintaining competitive advantage. The company's tech resilience is a key asset in navigating future shifts.

The Bull Case

For the value or GARP investor, Paymentus offers compelling reasons to buy. A strong ROIC of 14.61% highlights efficient capital use, while a Piotroski F-Score of 6 indicates decent financial health. The FCF yield, though modest, suggests some level of cash generation capability. Coupled with an operating margin of 6.75%, the company demonstrates pricing power and operational efficiency, making it an attractive prospect for those seeking growth at a reasonable price.

The Bear Case

Despite its strengths, Paymentus faces significant structural risks. The Price/Book ratio of 5.74 and Price/Sales of 2.61 indicate a premium valuation that may not be justified by its current earnings. The stock is also technically overextended, trading 51.78% below its 52-week high, suggesting potential volatility. Additionally, the earnings yield is relatively low, raising questions about the stock's ability to deliver substantial returns in the near term.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Hold

Average Analyst Price Target

$34.50

Institutional Ownership %

1-Year Beta

1.40

Insider Buying % (6 Mo)

Distance to 52-Week High

72.13%

Distance to 52-Week Low

5.29%

EARNINGS SURPRISE %

23.53%

50-DAY SMA

$25.83

200-DAY SMA

$29.87

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.