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PAYMENTUS HOLDINGS INC-A (PAY) Stock Fundamental Analysis

NYSE:PAY - New York Stock Exchange, Inc. - US70439P1084 - Common Stock - Currency: USD

33.91  +0.2 (+0.59%)

After market: 33.2 -0.71 (-2.09%)

Fundamental Rating

5

PAY gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 101 industry peers in the Financial Services industry. PAY is in great health and has no worries on liquidiy or solvency at all, but the profibility rating is only average. PAY shows excellent growth, but is valued quite expensive already.


Dividend Valuation Growth Profitability Health

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4

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.
PAY Yearly Net Income VS EBIT VS OCF VS FCFPAY Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2019 2020 2021 2022 2023 2024 0 20M 40M 60M

1.2 Ratios

PAY has a Return On Assets of 8.59%. This is amongst the best in the industry. PAY outperforms 87.13% of its industry peers.
PAY has a Return On Equity (10.14%) which is in line with its industry peers.
PAY's Return On Invested Capital of 8.74% is amongst the best of the industry. PAY outperforms 80.20% of its industry peers.
Industry RankSector 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
PAY Yearly ROA, ROE, ROICPAY Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 2024 0 5 10 15 20

1.3 Margins

PAY's Profit Margin of 5.28% is on the low side compared to the rest of the industry. PAY is outperformed by 60.40% of its industry peers.
PAY's Profit Margin has improved in the last couple of years.
With a Operating Margin value of 5.43%, PAY is not doing good in the industry: 67.33% 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 of 26.14%. This is comparable to the rest of the industry: PAY outperforms 45.54% of its industry peers.
In the last couple of years the Gross Margin of PAY has declined.
Industry RankSector 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%
PAY Yearly Profit, Operating, Gross MarginsPAY Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 2024 0 10 20 30

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8

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.
PAY has more shares outstanding than it did 1 year ago.
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.
PAY Yearly Shares OutstandingPAY Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M
PAY Yearly Total Debt VS Total AssetsPAY Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M

2.2 Solvency

PAY has an Altman-Z score of 30.72. This indicates that PAY is financially healthy and has little risk of bankruptcy at the moment.
With an excellent Altman-Z score value of 30.72, PAY belongs to the best of the industry, outperforming 97.03% of the companies in the same industry.
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 RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z 30.72
ROIC/WACC0.99
WACC8.87%
PAY Yearly LT Debt VS Equity VS FCFPAY Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2019 2020 2021 2022 2023 2024 0 100M 200M 300M 400M

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.
Looking at the Current ratio, with a value of 4.46, PAY belongs to the top of the industry, outperforming 89.11% of the companies in the same industry.
PAY has a Quick Ratio of 4.46. This indicates that PAY is financially healthy and has no problem in meeting its short term obligations.
PAY's Quick ratio of 4.46 is amongst the best of the industry. PAY outperforms 89.11% of its industry peers.
Industry RankSector Rank
Current Ratio 4.46
Quick Ratio 4.46
PAY Yearly Current Assets VS Current LiabilitesPAY Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 100M 200M 300M

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8

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 35.71% over the past year.
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.
PAY shows a strong growth in Revenue. In the last year, the Revenue has grown by 41.86%.
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)35.71%
EPS 3Y79.29%
EPS 5Y34.01%
EPS Q2Q%25%
Revenue 1Y (TTM)41.86%
Revenue growth 3Y30.14%
Revenue growth 5Y29.89%
Sales Q2Q%41.87%

3.2 Future

PAY is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 16.88% yearly.
PAY is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 12.00% yearly.
EPS Next Y14.85%
EPS Next 2Y21.55%
EPS Next 3Y23.39%
EPS Next 5Y16.88%
Revenue Next Year31.59%
Revenue Next 2Y25.84%
Revenue Next 3Y23.95%
Revenue Next 5Y12%

3.3 Evolution

Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of 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.
PAY Yearly Revenue VS EstimatesPAY Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 500M 1B 1.5B 2B
PAY Yearly EPS VS EstimatesPAY Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 0.2 0.4 0.6 0.8 1

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1

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 59.49, the valuation of PAY can be described as expensive.
Compared to the rest of the industry, the Price/Earnings ratio of PAY indicates a slightly more expensive valuation: PAY is more expensive than 76.24% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of PAY to the average of the S&P500 Index (26.48), we can say PAY is valued expensively.
The Price/Forward Earnings ratio is 45.90, which means the current valuation is very expensive for PAY.
Compared to the rest of the industry, the Price/Forward Earnings ratio of PAY indicates a slightly more expensive valuation: PAY is more expensive than 77.23% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.04, PAY is valued a bit more expensive.
Industry RankSector Rank
PE 59.49
Fwd PE 45.9
PAY Price Earnings VS Forward Price EarningsPAY Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40 50

4.2 Price Multiples

62.38% of the companies in the same industry are cheaper than PAY, based on the Enterprise Value to EBITDA ratio.
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 RankSector Rank
P/FCF 63.71
EV/EBITDA 43.7
PAY Per share dataPAY EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates PAY does not grow enough to justify the current Price/Earnings ratio.
A more expensive valuation may be justified as PAY's earnings are expected to grow with 23.39% in the coming years.
PEG (NY)4.01
PEG (5Y)1.75
EPS Next 2Y21.55%
EPS Next 3Y23.39%

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0

5. Dividend

5.1 Amount

No dividends for PAY!.
Industry RankSector Rank
Dividend Yield N/A

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PAYMENTUS HOLDINGS INC-A

NYSE:PAY (8/8/2025, 8:04:01 PM)

After market: 33.2 -0.71 (-2.09%)

33.91

+0.2 (+0.59%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)08-04 2025-08-04/amc
Earnings (Next)N/A N/A
Inst Owners77.9%
Inst Owner Change0.25%
Ins Owners1.83%
Ins Owner Change39.53%
Market Cap4.24B
Analysts83.64
Price Target39.48 (16.43%)
Short Float %2.96%
Short Ratio1.37
Dividend
Industry RankSector 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)0.34%
PT rev (3m)18.65%
EPS NQ rev (1m)-0.34%
EPS NQ rev (3m)-3.37%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.62%
Revenue NQ rev (1m)0.17%
Revenue NQ rev (3m)2.99%
Revenue NY rev (1m)0.18%
Revenue NY rev (3m)2.78%
Valuation
Industry RankSector Rank
PE 59.49
Fwd PE 45.9
P/S 4.41
P/FCF 63.71
P/OCF 41.15
P/B 8.48
P/tB 14.98
EV/EBITDA 43.7
EPS(TTM)0.57
EY1.68%
EPS(NY)0.74
Fwd EY2.18%
FCF(TTM)0.53
FCFY1.57%
OCF(TTM)0.82
OCFY2.43%
SpS7.69
BVpS4
TBVpS2.26
PEG (NY)4.01
PEG (5Y)1.75
Profitability
Industry RankSector 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 RankSector 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 30.72
F-Score6
WACC8.87%
ROIC/WACC0.99
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)35.71%
EPS 3Y79.29%
EPS 5Y34.01%
EPS Q2Q%25%
EPS Next Y14.85%
EPS Next 2Y21.55%
EPS Next 3Y23.39%
EPS Next 5Y16.88%
Revenue 1Y (TTM)41.86%
Revenue growth 3Y30.14%
Revenue growth 5Y29.89%
Sales Q2Q%41.87%
Revenue Next Year31.59%
Revenue Next 2Y25.84%
Revenue Next 3Y23.95%
Revenue Next 5Y12%
EBIT growth 1Y90.64%
EBIT growth 3Y54.77%
EBIT growth 5Y19.51%
EBIT Next Year196.39%
EBIT Next 3Y68.49%
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%