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PAYPaymentus Holdings, Inc.
$33.47$4.2B
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
Discovery & Screens
Live BreakoutsStock ScreenerOwnership
PAY logo

Paymentus Holdings, Inc.

PAY
NYSE · Payment Processors & Networks
$33.47
At close - Nov 6, 4:00 PM EST - USD
Market Cap$4.2B
P/E46.1x
52W High$45.31
Volume481.44K
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q3

Paymentus Scales Revenue While Margins Remain Thin

Paymentus is compounding revenue at a strong pace, with 2026Q3 sales of $372.2M growing 19.8% year over year after 30.2% growth in 2026Q1, suggesting the core bill-payment platform retains meaningful expansion momentum.

GrowthExpanding
ProfitabilityModerate
ValuationExpensive
TechnicalsHealthy
Explore valuation models
MARKET ACTION

PAY price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

12/12 Beats

EPS beat 12 of last 12 quarters

02

Valuation risk

+67% Peers

P/E is 67% above peer median

03

Market leadership

RS 83 · Leader

High momentum (Outperforming 83% of market)

04

Healthy Uptrend

Uptrend

Price > 50DMA > 200DMA

Next CatalystEstimated earnings · Feb 2

Market performance

Price History →

Trailing total returns as of 11/9/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
PAY+17.56%
S&P 500 (^GSPC)+7.63%
1-Year Return
PAY-7.39%
S&P 500 (^GSPC)+9.69%
3-Year Return
PAY+121.80%
S&P 500 (^GSPC)+69.26%
5-Year Return
PAY+23.01%
S&P 500 (^GSPC)+57.20%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y Low
46.1x
Forward P/EExpansion
36.8x
EV/EBITDA0th %ile
25.1x
FCF YieldCash Flow
3.8%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
46.1x
93.3x
0th· Low
EV/EBITDA
25.1x
42.4x
0th· Low
Price/FCF
26.6x
64.7x
33rd· Fair
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
Bear$8.96-73.2%
Base (Fair)$17.37-48.1%
Bull$19.90-40.5%
$8.96 Bear$17.37 Base$19.90 Bull
Current Market Price: $33.47
Trades at a 92.7% premium to Base DCF ($17.37)
Open DCF & Valuation Models →Chart Terminal ↗

Growth & profitability

Annual revenue & EPS trend
Revenue FY25
$1.2B+37.3% YoY
Net income FY25
$67M+51.5% YoY
Free cash flow FY25
$162M+156.1% YoY
Operating margin FY25
6.3%+1.2 pts YoY
ROIC (FY25)21.2%
Avg ROIC 5Y8.7%
ROE (TTM)15.8%
Piotroski Score6 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate12/12 (100%)
Revenue Beat Rate9/12 (75%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q4 2026Latest
Nov 2, 2026
$0.25+19.8%
vs $0.21
$372M+3.7%
vs $359M
Q3 2026
Aug 3, 2026
$0.25+32.6%
vs $0.19
$361M+4.4%
vs $345M
Q2 2026
May 4, 2026
$0.21+23.5%
vs $0.17
$358M+6.9%
vs $335M
Q1 2026
Feb 23, 2026
$0.20+11.1%
vs $0.18
$330M+5.3%
vs $314M
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

4 Stories
The Motley Fool·5d ago
Paymentus: 3 Key Takeaways for Long-Term Investors

Third-quarter revenue reached $372.2 million, up 19.8% year over year. Adjusted EBITDA grew 38.6% year over year to $49.7 million.

Seeking Alpha·5d ago
Paymentus Holdings, Inc. (PAY) Q3 2026 Earnings Call Transcript

Paymentus Holdings, Inc. (PAY) Q3 2026 Earnings Call Transcript

MarketBeat·6d ago
Paymentus Q3 Earnings Call Highlights

Paymentus NYSE: PAY reported record third-quarter results as revenue, contribution profit and adjusted EBITDA each exceeded the high end of the company's guidance range, supported by new biller launches and continued growth from existing customers.

Zacks Investment Research·6d ago
Paymentus (PAY) Q3 Earnings and Revenues Top Estimates

Paymentus (PAY) came out with quarterly earnings of $0.25 per share, beating the Zacks Consensus Estimate of $0.22 per share. This compares to earnings of $0.17 per share a year ago.

Filtered for Paymentus Holdings, Inc.More Headlines
04

Compare before deciding

Benchmark PAY against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for Paymentus Holdings, Inc. (PAY)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
PAY logoPAYPaymentus Holdings, Inc.Current
$33.47$4.2B46.1037.25%6.65%15.77%—
RPAY logoRPAYRepay Holdings Corporation
$4.40$387.58M-2.19-1.21%-49.57%-32.69%—
PRTH logoPRTHPriority Technology Holdings, Inc.
$7.88$648.96M16.288.33%3.97%——
FLYW logoFLYWFlywire Corp
$21.57$2.62B35.4426.59%10.34%9.25%—
IIIV logoIIIVi3 Verticals, Inc.
$19.07$455.72M43.75-7.29%3.91%1.85%—
CASS logoCASSCass Information Systems, Inc.
$54.18$697.36M18.51-13.1%18.94%15.98%2.26%

Compare PAY vs Peers

Paymentus Holdings, Inc. (PAY) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs RPAY

Most directly comparable listed peer for PAY.

Scale Benchmark

vs JPM

Larger-name benchmark to compare PAY against a more recognizable public peer.

Peer Set

Compare Top 5

vs RPAY, PRTH, FLYW, IIIV

05

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

PAY SEC Filings & Documents

Paymentus Holdings, Inc. (PAY) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Nov 2, 2026·SEC

Material company update

Aug 3, 2026·SEC

Material company update

Jul 23, 2026·SEC

10-K Annual Reports

2
FY 2026

Feb 24, 2026·SEC

FY 2025

Mar 11, 2025·SEC

10-Q Quarterly Reports

6
FY 2026

Nov 3, 2026·SEC

FY 2026

Aug 4, 2026·SEC

FY 2026

May 5, 2026·SEC

Get notified when PAY posts new earnings or crosses analyst targets

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PAY Frequently Asked Questions

Paymentus Holdings, Inc. (PAY) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
What is Paymentus Holdings, Inc.'s revenue?

Paymentus Holdings, Inc. (PAY) reported $1.42B in revenue over the trailing twelve months. Revenue was $1.20B in fiscal year 2025. That is 253% more than the $339.3M of fiscal year 2003.

How fast is Paymentus Holdings, Inc. growing?

Paymentus Holdings, Inc. (PAY) grew revenue by 26.5% over the trailing twelve months, compared with the twelve months before.

Is PAY profitable?

Yes. Paymentus Holdings, Inc. (PAY) earned $94.6M in net income over the trailing twelve months (a 6.7% net margin).

Dividend & Returns
What is PAY's return on equity?

Paymentus Holdings, Inc. (PAY) had a return on equity (ROE) of 15.8% over the trailing twelve months. That is above the market's typical 10-15%.

What is Paymentus Holdings, Inc.'s free cash flow?

Paymentus Holdings, Inc. (PAY) generated $158.2M in free cash flow over the trailing twelve months.

What if you invested $1,000 in PAY back in 2003?

Total return calculator · dividends reinvested · 23+ years of data

See returns →