Paymentus Holdings, Inc. (PAY) P/E Ratio History
Deep ValueTrading at 59.3x · 11th percentile of 5-year range · Significant discount to historical valuation · Data 2021–2026
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P/E Ratio Analysis
As of October 3, 2026, Paymentus Holdings, Inc. (PAY) trades at a price-to-earnings ratio of 59.3x, with a stock price of $30.83 and trailing twelve-month earnings per share of $0.66.
The current P/E is 74% below its 5-year average of 229.2x. Over the past five years, PAY's P/E has ranged from a low of 36.6x to a high of 715.7x, placing the current valuation at the 11th percentile of its historical range.
Compared to the Technology sector median P/E of 29.4x, PAY trades at a 101% premium to its sector peers. The sector includes 363 companies with P/E ratios ranging from 0.0x to 197.7x.
The PEG ratio of 1.24 (P/E divided by 49% EPS growth) suggests a fair valuation relative to its earnings growth. Peter Lynch popularized the rule that a PEG below 1.0 indicates an attractive entry point.
Relative to the broader market, PAY commands a significant premium over the S&P 500 median P/E of 24.5x. Investors should consider the company's growth prospects, competitive position, and earnings quality when evaluating whether the current valuation is justified.
For a comprehensive intrinsic value estimate using discounted cash flow analysis, see our PAY DCF Valuation Calculator →
Note: P/E ratio is just one valuation metric. It does not account for balance sheet strength, cash flow quality, or growth sustainability. Always conduct comprehensive due diligence before making investment decisions.
PAY Cross-Benchmark Valuation
How does the current P/E compare to sector peers and the broader market?
PAY P/E vs Peers
Payments Processing and Fintech Services peers sorted by market cap
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $641M | 11.4Lowest | - | +319% | |
| $2B | 159.8 | - | +391%Best | |
| $341M | 25.5 | - | -88% | |
| $696M | 20.7 | 2.42 | +88% | |
| $2B | 37.6 | - | -39% | |
| $2B | 12.4 | 1.38Best | +27% | |
| $17B | 43.3 | 1.77 | -47% |
Lower P/E can signal a discount or weaker growth expectations; PEG adds growth context.
PAY Historical P/E Data (2021–2026)
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Period End | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2026 Q2 | - | $24.16 | $0.66 | 36.6x | -84% |
| FY2026 Q1 | - | $25.40 | $0.57 | 44.6x | -81% |
| FY2025 Q4 | Dec 31 2025 | $31.59 | $0.52 | 60.8x | -73% |
| FY2025 Q3 | - | $30.60 | $0.46 | 66.5x | -71% |
| FY2025 Q2 | Jun 30 2025 | $32.75 | $0.43 | 76.2x | -67% |
| FY2025 Q1 | Mar 31 2025 | $26.10 | $0.39 | 66.9x | -71% |
| FY2024 Q4 | - | $32.67 | $0.34 | 96.1x | -58% |
| FY2024 Q3 | Sep 30 2024 | $20.02 | $0.31 | 63.7x | -72% |
| FY2024 Q2 | Jun 30 2024 | $19.00 | $0.26 | 74.5x | -68% |
| FY2024 Q1 | Mar 31 2024 | $22.75 | $0.23 | 98.0x | -57% |
| FY2023 Q4 | Dec 31 2023 | $17.87 | $0.18 | 100.4x | -56% |
| FY2023 Q3 | Sep 30 2023 | $16.60 | $0.11 | 146.1x | -36% |
| FY2023 Q2 | Jun 30 2023 | $10.56 | $0.05 | 200.0x | -13% |
| FY2022 Q3 | Sep 30 2022 | $9.72 | $0.02 | 486.0x | +112% |
| FY2022 Q2 | - | $13.37 | $0.03 | 400.3x | +75% |
| FY2022 Q1 | - | $21.08 | $0.05 | 418.3x | +83% |
| FY2021 Q4 | Dec 31 2021 | $34.98 | $0.06 | 583.0x | +154% |
| FY2021 Q3 | - | $24.64 | $0.04 | 620.7x | +171% |
| FY2021 Q2 | Jun 30 2021 | $35.50 | $0.05 | 715.7x | +212% |
Average P/E for displayed period: 229.2x
PAY Chart Terminal
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Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
Historical Returns
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Peer Comparison
Compare growth, multiples, and margins vs sector.
PAY — Frequently Asked Questions
Quick answers to the most common questions about buying PAY stock.
What is PAY's P/E ratio?
Paymentus Holdings, Inc. (PAY) trailing twelve-month P/E ratio is 59.3x, based on TTM diluted EPS of $0.66. The 5-year average P/E is 229.2x and the historical range spans 36.6x to 715.7x.
Is PAY stock overvalued or undervalued?
PAY trades at 59.3x P/E, below its 5-year average of 229.2x. At the 11th percentile of its historical range (36.6x–715.7x), the stock is priced at a discount to its own history.
Is PAY stock expensive?
No, PAY is not expensive on a historical basis. The current P/E of 59.3x is below the 5-year average of 229.2x and sits at the 11th percentile of its valuation range.
What is PAY's historical P/E range?
Over the past 5 years, PAY's P/E ratio has ranged from 36.6x to 715.7x, with a median of 98.0x and an average of 229.2x. The current P/E of 59.3x places the stock at the 11th percentile of this range. Full historical data spans 2021–2026.
How does PAY's P/E compare to the S&P 500?
PAY trades at 59.3x P/E versus the S&P 500 median of 24.5x. The 142% premium to the market typically reflects higher expected earnings growth or quality.
How does PAY's valuation compare to Technology peers?
Paymentus Holdings, Inc. P/E of 59.3x compares to the Technology sector median of 29.4x. The premium reflects expected growth above peers or stronger fundamentals. See the peer comparison table on this page for ticker-by-ticker P/E and PEG.
What is PAY's PEG ratio?
PAY PEG ratio is 1.24, based on a P/E of 59.3x and EPS growth of 48.6%. A PEG between 1 and 2 suggests valuation aligns with growth expectations — typically considered fair.
What is PAY's earnings yield?
PAY earnings yield is 1.69%, the inverse of its 59.3x P/E ratio. Earnings yield represents the percentage of each dollar invested that the company earns. It can be compared directly to bond yields to assess relative attractiveness of stocks versus fixed income.