PAYMENTUS HOLDINGS INC-A (PAY) Stock Fundamental Analysis
USA • New York Stock Exchange • NYSE:PAY • US70439P1084
27.03 USD
+0.3 (+1.12%)
Last: Feb 2, 2026, 03:51 PM
We assign a fundamental rating of 6 out of 10 to PAY. PAY was compared to 97 industry peers in the Financial Services industry. While PAY has a great health rating, its profitability is only average at the moment. PAY is valued quite expensively, but it does show have an excellent growth rating. With these ratings, PAY could be worth investigating further for growth investing!.
1. Profitability
1.1 Basic Checks
- PAY had positive earnings in the past year.
- In the past year PAY had a positive cash flow from operations.
- Of the past 5 years PAY 4 years were profitable.
- Each year in the past 5 years PAY had a positive operating cash flow.
1.2 Ratios
- Looking at the Return On Assets, with a value of 9.20%, PAY belongs to the top of the industry, outperforming 86.60% of the companies in the same industry.
- PAY has a Return On Equity of 11.03%. This is comparable to the rest of the industry: PAY outperforms 58.76% of its industry peers.
- PAY's Return On Invested Capital of 10.19% is amongst the best of the industry. PAY outperforms 81.44% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 9.2% | ||
| ROE | 11.03% | ||
| ROIC | 10.19% |
ROA(3y)3.99%
ROA(5y)4.05%
ROE(3y)4.72%
ROE(5y)5.21%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- PAY has a Profit Margin (5.27%) which is comparable to the rest of the industry.
- PAY's Profit Margin has improved in the last couple of years.
- With a Operating Margin value of 5.83%, PAY is not doing good in the industry: 64.95% of the companies in the same industry are doing better.
- In the last couple of years the Operating Margin of PAY has declined.
- Looking at the Gross Margin, with a value of 24.77%, PAY is in line with its industry, outperforming 43.30% of the companies in the same industry.
- In the last couple of years the Gross Margin of PAY has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 5.83% | ||
| PM (TTM) | 5.27% | ||
| GM | 24.77% |
OM growth 3Y18.92%
OM growth 5Y-7.99%
PM growth 3Y41.99%
PM growth 5Y5.83%
GM growth 3Y-3.81%
GM growth 5Y-2.84%
2. Health
2.1 Basic Checks
- PAY has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
- Compared to 1 year ago, PAY has more shares outstanding
- PAY has more shares outstanding than it did 5 years ago.
- PAY has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
2.2 Solvency
- An Altman-Z score of 21.79 indicates that PAY is not in any danger for bankruptcy at the moment.
- PAY has a Altman-Z score of 21.79. This is amongst the best in the industry. PAY outperforms 98.97% of its industry peers.
- PAY has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | 21.79 |
ROIC/WACC1.14
WACC8.9%
2.3 Liquidity
- PAY has a Current Ratio of 4.36. This indicates that PAY is financially healthy and has no problem in meeting its short term obligations.
- With an excellent Current ratio value of 4.36, PAY belongs to the best of the industry, outperforming 89.69% of the companies in the same industry.
- A Quick Ratio of 4.36 indicates that PAY has no problem at all paying its short term obligations.
- PAY has a Quick ratio of 4.36. This is amongst the best in the industry. PAY outperforms 89.69% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 4.36 | ||
| Quick Ratio | 4.36 |
3. Growth
3.1 Past
- PAY shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 29.17%, which is quite impressive.
- Measured over the past years, PAY shows a very strong growth in Earnings Per Share. The EPS has been growing by 34.01% on average per year.
- The Revenue has grown by 44.34% in the past year. This is a very strong growth!
- PAY shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 29.89% yearly.
EPS 1Y (TTM)29.17%
EPS 3Y79.29%
EPS 5Y34.01%
EPS Q2Q%33.33%
Revenue 1Y (TTM)44.34%
Revenue growth 3Y30.14%
Revenue growth 5Y29.89%
Sales Q2Q%34.19%
3.2 Future
- The Earnings Per Share is expected to grow by 16.88% on average over the next years. This is quite good.
- The Revenue is expected to grow by 12.00% on average over the next years. This is quite good.
EPS Next Y30.49%
EPS Next 2Y24.37%
EPS Next 3Y26.16%
EPS Next 5Y16.88%
Revenue Next Year41.18%
Revenue Next 2Y31.23%
Revenue Next 3Y27.69%
Revenue Next 5Y12%
3.3 Evolution
- The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
- Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 43.60, the valuation of PAY can be described as expensive.
- Based on the Price/Earnings ratio, PAY is valued a bit more expensive than 70.10% of the companies in the same industry.
- PAY's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 28.32.
- With a Price/Forward Earnings ratio of 34.95, PAY can be considered very expensive at the moment.
- Based on the Price/Forward Earnings ratio, PAY is valued a bit more expensive than 72.16% of the companies in the same industry.
- PAY's Price/Forward Earnings ratio indicates a valuation a bit more expensive than the S&P500 average which is at 25.57.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 43.6 | ||
| Fwd PE | 34.95 |
4.2 Price Multiples
- PAY's Enterprise Value to EBITDA ratio is in line with the industry average.
- PAY's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 31.3 | ||
| EV/EBITDA | 28.92 |
4.3 Compensation for Growth
- The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
- A more expensive valuation may be justified as PAY's earnings are expected to grow with 26.16% in the coming years.
PEG (NY)1.43
PEG (5Y)1.28
EPS Next 2Y24.37%
EPS Next 3Y26.16%
5. Dividend
5.1 Amount
- No dividends for PAY!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
PAYMENTUS HOLDINGS INC-A / PAY FAQ
What is the ChartMill fundamental rating of PAYMENTUS HOLDINGS INC-A (PAY) stock?
ChartMill assigns a fundamental rating of 6 / 10 to PAY.
Can you provide the valuation status for PAYMENTUS HOLDINGS INC-A?
ChartMill assigns a valuation rating of 2 / 10 to PAYMENTUS HOLDINGS INC-A (PAY). This can be considered as Overvalued.
Can you provide the profitability details for PAYMENTUS HOLDINGS INC-A?
PAYMENTUS HOLDINGS INC-A (PAY) has a profitability rating of 5 / 10.
What are the PE and PB ratios of PAYMENTUS HOLDINGS INC-A (PAY) stock?
The Price/Earnings (PE) ratio for PAYMENTUS HOLDINGS INC-A (PAY) is 43.6 and the Price/Book (PB) ratio is 6.31.
Is the dividend of PAYMENTUS HOLDINGS INC-A sustainable?
The dividend rating of PAYMENTUS HOLDINGS INC-A (PAY) is 0 / 10 and the dividend payout ratio is 0%.