(PAY) Paymentus Holdings - Overview
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: (N/A)
Stock: Cloud Billing, Card Processing, Digital Wallet, E-Presentment
Total Rating 36
Risk 93
Buy Signal -0.74
EPS (Earnings per Share)
Revenue
| Risk 5d forecast | |
|---|---|
| Volatility | 57.2% |
| Relative Tail Risk | -15.9% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.23 |
| Alpha | -38.72 |
| Character TTM | |
|---|---|
| Beta | 1.017 |
| Beta Downside | 0.942 |
| Drawdowns 3y | |
|---|---|
| Max DD | 38.83% |
| CAGR/Max DD | 1.08 |
Description: PAY Paymentus Holdings January 12, 2026
Paymentus Holdings, Inc. (NYSE: PAY) delivers a cloud-based SaaS platform that enables billers across utilities, finance, government, telecom, healthcare and other sectors to present invoices and collect payments via credit/debit cards, eChecks and digital wallets. Founded in 2004 and based in Charlotte, NC, the firm positions itself as a “self-service revenue management” solution for both large enterprises and small-business billers.
Key recent metrics show the company generated roughly $460 million in total revenue for FY 2023, a year-over-year increase of about 14%, with annual recurring revenue (ARR) expanding at a 19% clip and gross margins hovering near 80%. Growth is being driven by the broader shift toward digital bill-payment adoption-accelerated by COVID-induced remote-pay trends-and by expanding partnerships with major utilities and telecom providers that are modernizing legacy billing systems.
For a deeper dive into PAY’s valuation dynamics and how its growth outlook compares to peers, you might find ValueRay’s analyst framework worth a quick look.
Piotroski VR‑10 (Strict, 0-10) 5.5
| Net Income: 59.4m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.20 > 0.02 and ΔFCF/TA 15.25 > 1.0 |
| NWC/Revenue: 28.60% < 20% (prev 31.57%; Δ -2.97% < -1%) |
| CFO/TA 0.22 > 3% & CFO 144.9m > Net Income 59.4m |
| Net Debt (-280.6m) to EBITDA (98.8m): -2.84 < 3 |
| Current Ratio: 4.36 > 1.5 & < 3 |
| Outstanding Shares: last quarter (129.2m) vs 12m ago 1.28% < -2% |
| Gross Margin: 24.77% > 18% (prev 0.28%; Δ 2448 % > 0.5%) |
| Asset Turnover: 187.7% > 50% (prev 140.8%; Δ 46.91% > 0%) |
| Interest Coverage Ratio: -2.36 > 6 (EBITDA TTM 98.8m / Interest Expense TTM -22.3m) |
Altman Z'' 5.97
| A: 0.50 (Total Current Assets 417.1m - Total Current Liabilities 95.7m) / Total Assets 644.4m |
| B: 0.22 (Retained Earnings 142.2m / Total Assets 644.4m) |
| C: 0.09 (EBIT TTM 52.7m / Avg Total Assets 598.7m) |
| D: 1.32 (Book Value of Equity 141.6m / Total Liabilities 107.0m) |
| Altman-Z'' Score: 5.97 = AAA |
Beneish M -3.11
| DSRI: 0.63 (Receivables 104.9m/115.5m, Revenue 1.12b/778.7m) |
| GMI: 1.15 (GM 24.77% / 28.46%) |
| AQI: 0.84 (AQ_t 0.34 / AQ_t-1 0.40) |
| SGI: 1.44 (Revenue 1.12b / 778.7m) |
| TATA: -0.13 (NI 59.4m - CFO 144.9m) / TA 644.4m) |
| Beneish M-Score: -3.11 (Cap -4..+1) = AA |
What is the price of PAY shares?
As of February 07, 2026, the stock is trading at USD 24.81 with a total of 654,816 shares traded.
Over the past week, the price has changed by -7.18%, over one month by -17.87%, over three months by -31.35% and over the past year by -23.09%.
Over the past week, the price has changed by -7.18%, over one month by -17.87%, over three months by -31.35% and over the past year by -23.09%.
Is PAY a buy, sell or hold?
Paymentus Holdings has no consensus analysts rating.
What are the forecasts/targets for the PAY price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 39.4 | 58.9% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 25.3 | 2% |
PAY Fundamental Data Overview February 03, 2026
P/E Trailing = 65.1957
P/S = 3.3468
P/B = 7.1793
Revenue TTM = 1.12b USD
EBIT TTM = 52.7m USD
EBITDA TTM = 98.8m USD
Long Term Debt = 7.36m USD (from capitalLeaseObligations, last quarter)
Short Term Debt = 2.25m USD (from shortTermDebt, last quarter)
Debt = 7.36m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -280.6m USD (from netDebt column, last quarter)
Enterprise Value = 3.48b USD (3.76b + Debt 7.36m - CCE 287.9m)
Interest Coverage Ratio = -2.36 (Ebit TTM 52.7m / Interest Expense TTM -22.3m)
EV/FCF = 27.54x (Enterprise Value 3.48b / FCF TTM 126.4m)
FCF Yield = 3.63% (FCF TTM 126.4m / Enterprise Value 3.48b)
FCF Margin = 11.25% (FCF TTM 126.4m / Revenue TTM 1.12b)
Net Margin = 5.29% (Net Income TTM 59.4m / Revenue TTM 1.12b)
Gross Margin = 24.77% ((Revenue TTM 1.12b - Cost of Revenue TTM 845.5m) / Revenue TTM)
Gross Margin QoQ = 24.09% (prev 25.52%)
Tobins Q-Ratio = 5.40 (Enterprise Value 3.48b / Total Assets 644.4m)
Interest Expense / Debt = 0.11% (Interest Expense 8000 / Debt 7.36m)
Taxrate = 21.49% (4.86m / 22.6m)
NOPAT = 41.4m (EBIT 52.7m * (1 - 21.49%))
Current Ratio = 4.36 (Total Current Assets 417.1m / Total Current Liabilities 95.7m)
Debt / Equity = 0.01 (Debt 7.36m / totalStockholderEquity, last quarter 537.4m)
Debt / EBITDA = -2.84 (Net Debt -280.6m / EBITDA 98.8m)
Debt / FCF = -2.22 (Net Debt -280.6m / FCF TTM 126.4m)
Total Stockholder Equity = 510.0m (last 4 quarters mean from totalStockholderEquity)
RoA = 9.92% (Net Income 59.4m / Total Assets 644.4m)
RoE = 11.65% (Net Income TTM 59.4m / Total Stockholder Equity 510.0m)
RoCE = 10.19% (EBIT 52.7m / Capital Employed (Equity 510.0m + L.T.Debt 7.36m))
RoIC = 8.11% (NOPAT 41.4m / Invested Capital 510.0m)
WACC = 9.64% (E(3.76b)/V(3.77b) * Re(9.66%) + D(7.36m)/V(3.77b) * Rd(0.11%) * (1-Tc(0.21)))
Discount Rate = 9.66% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 1.08%
[DCF Debug] Terminal Value 74.63% ; FCFF base≈85.5m ; Y1≈98.4m ; Y5≈138.2m
Fair Price DCF = 37.14 (EV 1.78b - Net Debt -280.6m = Equity 2.06b / Shares 55.6m; r=9.64% [WACC]; 5y FCF grow 17.77% → 2.90% )
EPS Correlation: 95.11 | EPS CAGR: 76.95% | SUE: 1.19 | # QB: 1
Revenue Correlation: 98.97 | Revenue CAGR: 32.51% | SUE: N/A | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.17 | Chg30d=-0.007 | Revisions Net=+2 | Analysts=6
EPS next Year (2026-12-31): EPS=0.77 | Chg30d=-0.022 | Revisions Net=+0 | Growth EPS=+16.4% | Growth Revenue=+21.9%
P/S = 3.3468
P/B = 7.1793
Revenue TTM = 1.12b USD
EBIT TTM = 52.7m USD
EBITDA TTM = 98.8m USD
Long Term Debt = 7.36m USD (from capitalLeaseObligations, last quarter)
Short Term Debt = 2.25m USD (from shortTermDebt, last quarter)
Debt = 7.36m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -280.6m USD (from netDebt column, last quarter)
Enterprise Value = 3.48b USD (3.76b + Debt 7.36m - CCE 287.9m)
Interest Coverage Ratio = -2.36 (Ebit TTM 52.7m / Interest Expense TTM -22.3m)
EV/FCF = 27.54x (Enterprise Value 3.48b / FCF TTM 126.4m)
FCF Yield = 3.63% (FCF TTM 126.4m / Enterprise Value 3.48b)
FCF Margin = 11.25% (FCF TTM 126.4m / Revenue TTM 1.12b)
Net Margin = 5.29% (Net Income TTM 59.4m / Revenue TTM 1.12b)
Gross Margin = 24.77% ((Revenue TTM 1.12b - Cost of Revenue TTM 845.5m) / Revenue TTM)
Gross Margin QoQ = 24.09% (prev 25.52%)
Tobins Q-Ratio = 5.40 (Enterprise Value 3.48b / Total Assets 644.4m)
Interest Expense / Debt = 0.11% (Interest Expense 8000 / Debt 7.36m)
Taxrate = 21.49% (4.86m / 22.6m)
NOPAT = 41.4m (EBIT 52.7m * (1 - 21.49%))
Current Ratio = 4.36 (Total Current Assets 417.1m / Total Current Liabilities 95.7m)
Debt / Equity = 0.01 (Debt 7.36m / totalStockholderEquity, last quarter 537.4m)
Debt / EBITDA = -2.84 (Net Debt -280.6m / EBITDA 98.8m)
Debt / FCF = -2.22 (Net Debt -280.6m / FCF TTM 126.4m)
Total Stockholder Equity = 510.0m (last 4 quarters mean from totalStockholderEquity)
RoA = 9.92% (Net Income 59.4m / Total Assets 644.4m)
RoE = 11.65% (Net Income TTM 59.4m / Total Stockholder Equity 510.0m)
RoCE = 10.19% (EBIT 52.7m / Capital Employed (Equity 510.0m + L.T.Debt 7.36m))
RoIC = 8.11% (NOPAT 41.4m / Invested Capital 510.0m)
WACC = 9.64% (E(3.76b)/V(3.77b) * Re(9.66%) + D(7.36m)/V(3.77b) * Rd(0.11%) * (1-Tc(0.21)))
Discount Rate = 9.66% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 1.08%
[DCF Debug] Terminal Value 74.63% ; FCFF base≈85.5m ; Y1≈98.4m ; Y5≈138.2m
Fair Price DCF = 37.14 (EV 1.78b - Net Debt -280.6m = Equity 2.06b / Shares 55.6m; r=9.64% [WACC]; 5y FCF grow 17.77% → 2.90% )
EPS Correlation: 95.11 | EPS CAGR: 76.95% | SUE: 1.19 | # QB: 1
Revenue Correlation: 98.97 | Revenue CAGR: 32.51% | SUE: N/A | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.17 | Chg30d=-0.007 | Revisions Net=+2 | Analysts=6
EPS next Year (2026-12-31): EPS=0.77 | Chg30d=-0.022 | Revisions Net=+0 | Growth EPS=+16.4% | Growth Revenue=+21.9%