PAYMENTUS HOLDINGS INC-A (PAY) Stock Fundamental Analysis
NYSE:PAY - New York Stock Exchange, Inc. - US70439P1084 - Common Stock - Currency: USD
Overall PAY gets a fundamental rating of 5 out of 10. We evaluated PAY against 100 industry peers in the Financial Services industry. PAY has an excellent financial health rating, but there are some minor concerns on its profitability. PAY is valued quite expensively, but it does show have an excellent growth rating.
1. Profitability
1.1 Basic Checks
PAY had positive earnings in the past year.
PAY had a positive operating cash flow in the past year.
Of the past 5 years PAY 4 years were profitable.
PAY had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With an excellent Return On Assets value of 8.59%, PAY belongs to the best of the industry, outperforming 87.00% of the companies in the same industry.
The Return On Equity of PAY (10.14%) is comparable to the rest of the industry.
PAY's Return On Invested Capital of 8.74% is fine compared to the rest of the industry. PAY outperforms 79.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 8.59% | ||
| ROE | 10.14% | ||
| ROIC | 8.74% |
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 of 5.28%. This is in the lower half of the industry: PAY underperforms 61.00% of its industry peers.
In the last couple of years the Profit Margin of PAY has grown nicely.
With a Operating Margin value of 5.43%, PAY is not doing good in the industry: 68.00% of the companies in the same industry are doing better.
PAY's Operating Margin has declined in the last couple of years.
PAY has a Gross Margin (26.14%) which is in line with its industry peers.
In the last couple of years the Gross Margin of PAY has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 5.43% | ||
| PM (TTM) | 5.28% | ||
| GM | 26.14% |
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 below the Cost of Capital (WACC), which means it is destroying value.
Compared to 1 year ago, PAY has more shares outstanding
Compared to 5 years ago, PAY has more shares outstanding
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 30.75 indicates that PAY is not in any danger for bankruptcy at the moment.
PAY's Altman-Z score of 30.75 is amongst the best of the industry. PAY outperforms 98.00% of its industry peers.
There is no outstanding debt for PAY. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | 30.75 |
ROIC/WACC0.98
WACC8.94%
2.3 Liquidity
PAY has a Current Ratio of 4.46. This indicates that PAY is financially healthy and has no problem in meeting its short term obligations.
PAY's Current ratio of 4.46 is amongst the best of the industry. PAY outperforms 89.00% of its industry peers.
A Quick Ratio of 4.46 indicates that PAY has no problem at all paying its short term obligations.
PAY's Quick ratio of 4.46 is amongst the best of the industry. PAY outperforms 89.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 4.46 | ||
| Quick Ratio | 4.46 |
3. Growth
3.1 Past
PAY shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 42.11%, which is quite impressive.
The Earnings Per Share has been growing by 34.01% on average over the past years. This is a very strong growth
PAY shows a strong growth in Revenue. In the last year, the Revenue has grown by 47.79%.
Measured over the past years, PAY shows a very strong growth in Revenue. The Revenue has been growing by 29.89% on average per year.
EPS 1Y (TTM)42.11%
EPS 3Y79.29%
EPS 5Y34.01%
EPS Q2Q%40%
Revenue 1Y (TTM)47.79%
Revenue growth 3Y30.14%
Revenue growth 5Y29.89%
Sales Q2Q%48.88%
3.2 Future
Based on estimates for the next years, PAY will show a quite strong growth in Earnings Per Share. The EPS will grow by 16.88% on average per year.
The Revenue is expected to grow by 12.00% on average over the next years. This is quite good.
EPS Next Y14.85%
EPS Next 2Y21.55%
EPS Next 3Y23.39%
EPS Next 5Y16.88%
Revenue Next Year31.35%
Revenue Next 2Y25.6%
Revenue Next 3Y24.44%
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.
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 62.43, PAY can be considered very expensive at the moment.
78.00% of the companies in the same industry are cheaper than PAY, based on the Price/Earnings ratio.
PAY is valuated expensively when we compare the Price/Earnings ratio to 26.69, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 45.63, which means the current valuation is very expensive for PAY.
Based on the Price/Forward Earnings ratio, PAY is valued a bit more expensive than the industry average as 77.00% of the companies are valued more cheaply.
The average S&P500 Price/Forward Earnings ratio is at 21.29. PAY is valued rather expensively when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 62.43 | ||
| Fwd PE | 45.63 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, PAY is valued a bit more expensive than 64.00% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of PAY is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 63.34 | ||
| EV/EBITDA | 43.76 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PAY's earnings are expected to grow with 23.39% in the coming years. This may justify a more expensive valuation.
PEG (NY)4.2
PEG (5Y)1.84
EPS Next 2Y21.55%
EPS Next 3Y23.39%
5. Dividend
5.1 Amount
PAY does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NYSE:PAY (6/26/2025, 12:41:54 PM)
33.71
-0.04 (-0.12%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners77.9%
Inst Owner Change23.49%
Ins Owners1.83%
Ins Owner Change3.53%
Market Cap4.22B
Analysts74.55
Price Target37.99 (12.7%)
Short Float %2.09%
Short Ratio1.15
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly Dividend0
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)8.39%
Min EPS beat(2)7.26%
Max EPS beat(2)9.52%
EPS beat(4)4
Avg EPS beat(4)28.97%
Min EPS beat(4)7.26%
Max EPS beat(4)62.01%
EPS beat(8)8
Avg EPS beat(8)115.7%
EPS beat(12)11
Avg EPS beat(12)184.68%
EPS beat(16)14
Avg EPS beat(16)167%
Revenue beat(2)2
Avg Revenue beat(2)11.79%
Min Revenue beat(2)8.6%
Max Revenue beat(2)14.98%
Revenue beat(4)4
Avg Revenue beat(4)13.03%
Min Revenue beat(4)8.25%
Max Revenue beat(4)20.28%
Revenue beat(8)7
Avg Revenue beat(8)7.81%
Revenue beat(12)11
Avg Revenue beat(12)6.45%
Revenue beat(16)15
Avg Revenue beat(16)5.67%
PT rev (1m)7.97%
PT rev (3m)11.19%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-4%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.25%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.7%
Revenue NY rev (1m)0%
Revenue NY rev (3m)7.36%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 62.43 | ||
| Fwd PE | 45.63 | ||
| P/S | 4.38 | ||
| P/FCF | 63.34 | ||
| P/OCF | 40.9 | ||
| P/B | 8.43 | ||
| P/tB | 14.89 | ||
| EV/EBITDA | 43.76 |
EPS(TTM)0.54
EY1.6%
EPS(NY)0.74
Fwd EY2.19%
FCF(TTM)0.53
FCFY1.58%
OCF(TTM)0.82
OCFY2.44%
SpS7.69
BVpS4
TBVpS2.26
PEG (NY)4.2
PEG (5Y)1.84
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 8.59% | ||
| ROE | 10.14% | ||
| ROCE | 10.24% | ||
| ROIC | 8.74% | ||
| ROICexc | 16.88% | ||
| ROICexgc | 94.82% | ||
| OM | 5.43% | ||
| PM (TTM) | 5.28% | ||
| GM | 26.14% | ||
| FCFM | 6.92% |
ROA(3y)3.99%
ROA(5y)4.05%
ROE(3y)4.72%
ROE(5y)5.21%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3Y13.34%
ROICexcg growth 5Y-11.06%
ROICexc growth 3Y43.48%
ROICexc growth 5Y-18.27%
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%
F-Score6
Asset Turnover1.63
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | 0 | ||
| Cap/Depr | 94.4% | ||
| Cap/Sales | 3.8% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 113.46% | ||
| Profit Quality | 131.21% | ||
| Current Ratio | 4.46 | ||
| Quick Ratio | 4.46 | ||
| Altman-Z | 30.75 |
F-Score6
WACC8.94%
ROIC/WACC0.98
Cap/Depr(3y)114.14%
Cap/Depr(5y)135.98%
Cap/Sales(3y)5.36%
Cap/Sales(5y)5.23%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)42.11%
EPS 3Y79.29%
EPS 5Y34.01%
EPS Q2Q%40%
EPS Next Y14.85%
EPS Next 2Y21.55%
EPS Next 3Y23.39%
EPS Next 5Y16.88%
Revenue 1Y (TTM)47.79%
Revenue growth 3Y30.14%
Revenue growth 5Y29.89%
Sales Q2Q%48.88%
Revenue Next Year31.35%
Revenue Next 2Y25.6%
Revenue Next 3Y24.44%
Revenue Next 5Y12%
EBIT growth 1Y90.64%
EBIT growth 3Y54.77%
EBIT growth 5Y19.51%
EBIT Next Year189.28%
EBIT Next 3Y64.92%
EBIT Next 5Y39.13%
FCF growth 1Y709.32%
FCF growth 3YN/A
FCF growth 5Y40.29%
OCF growth 1Y382.33%
OCF growth 3Y48.35%
OCF growth 5Y29.44%