PAYMENTUS HOLDINGS INC-A (PAY) Stock Fundamental Analysis

NYSE:PAY • US70439P1084

24.47 USD
-0.36 (-1.45%)
At close: Feb 27, 2026
24.95 USD
+0.48 (+1.96%)
After Hours: 2/27/2026, 8:26:02 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

Taking everything into account, PAY scores 5 out of 10 in our fundamental rating. PAY was compared to 98 industry peers in the Financial Services industry. While PAY has a great health rating, its profitability is only average at the moment. PAY is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • In the past year PAY was profitable.
  • In the past year PAY had a positive cash flow from operations.
  • The reported net income has been mixed in the past 5 years: PAY reported negative net income in multiple years.
  • Of the past 5 years PAY 4 years 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 better Return On Assets (9.20%) than 86.73% of its industry peers.
  • With a decent Return On Equity value of 11.03%, PAY is doing good in the industry, outperforming 60.20% of the companies in the same industry.
  • PAY's Return On Invested Capital of 10.19% is amongst the best of the industry. PAY outperforms 82.65% of its industry peers.
Industry RankSector 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
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 5.27% is in line compared to the rest of the industry. PAY outperforms 41.84% of its industry peers.
  • In the last couple of years the Profit Margin of PAY has grown nicely.
  • The Operating Margin of PAY (5.83%) is worse than 60.20% of its industry peers.
  • PAY's Operating Margin has declined in the last couple of years.
  • PAY's Gross Margin of 24.77% is in line compared to the rest of the industry. PAY outperforms 44.90% of its industry peers.
  • In the last couple of years the Gross Margin of PAY has declined.
Industry RankSector 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%
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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ROAROEROICOperating and Profit MarginShow most profitable peers

9

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so PAY is still creating some value.
  • 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

  • An Altman-Z score of 20.45 indicates that PAY is not in any danger for bankruptcy at the moment.
  • The Altman-Z score of PAY (20.45) is better than 97.96% 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 RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z 20.45
ROIC/WACC1.18
WACC8.61%
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 4.36. This indicates that PAY is financially healthy and has no problem in meeting its short term obligations.
  • PAY has a better Current ratio (4.36) than 89.80% of its industry peers.
  • PAY has a Quick Ratio of 4.36. This indicates that PAY is financially healthy and has no problem in meeting its short term obligations.
  • Looking at the Quick ratio, with a value of 4.36, PAY belongs to the top of the industry, outperforming 89.80% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 4.36
Quick Ratio 4.36
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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 38.00% 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 129.61% on average per year.
EPS 1Y (TTM)38%
EPS 3Y129.61%
EPS 5YN/A
EPS Q2Q%53.85%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%28.15%

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 14.59% yearly.
  • The Revenue is expected to grow by 7.12% on average over the next years.
EPS Next Y12.08%
EPS Next 2Y20.62%
EPS Next 3Y16.13%
EPS Next 5Y14.59%
Revenue Next Year21.98%
Revenue Next 2Y21.44%
Revenue Next 3Y20.51%
Revenue Next 5Y7.12%

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.
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

More info and screens

Find the best growth stocksShow best growing peers

1

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 35.46, the valuation of PAY can be described as expensive.
  • Based on the Price/Earnings ratio, PAY is valued a bit more expensive than the industry average as 71.43% of the companies are valued more cheaply.
  • PAY's Price/Earnings ratio indicates a valuation a bit more expensive than the S&P500 average which is at 27.10.
  • A Price/Forward Earnings ratio of 31.64 indicates a quite expensive valuation of PAY.
  • Based on the Price/Forward Earnings ratio, PAY is valued a bit more expensive than 72.45% of the companies in the same industry.
  • PAY's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 28.06.
Industry RankSector Rank
PE 35.46
Fwd PE 31.64
PAY Price Earnings VS Forward Price EarningsPAY Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • PAY's Enterprise Value to EBITDA is on the same level as the industry average.
  • 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 28.34
EV/EBITDA 26.67
PAY Per share dataPAY EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8

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 16.13% in the coming years. This may justify a more expensive valuation.
PEG (NY)2.94
PEG (5Y)N/A
EPS Next 2Y20.62%
EPS Next 3Y16.13%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

  • No dividends for PAY!.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

PAYMENTUS HOLDINGS INC-A

NYSE:PAY (2/27/2026, 8:26:02 PM)

After market: 24.95 +0.48 (+1.96%)

24.47

-0.36 (-1.45%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-23
Earnings (Next)05-04
Inst Owners89.92%
Inst Owner Change12.91%
Ins Owners2.96%
Ins Owner Change-3.88%
Market Cap3.07B
Revenue(TTM)N/A
Net Income(TTM)59.26M
Analysts83.33
Price Target39.3 (60.6%)
Short Float %3.47%
Short Ratio2.46
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
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)21.23%
Min EPS beat(2)8.67%
Max EPS beat(2)33.8%
EPS beat(4)4
Avg EPS beat(4)14.81%
Min EPS beat(4)7.26%
Max EPS beat(4)33.8%
EPS beat(8)8
Avg EPS beat(8)32.28%
EPS beat(12)12
Avg EPS beat(12)140.35%
EPS beat(16)15
Avg EPS beat(16)168.37%
Revenue beat(2)2
Avg Revenue beat(2)7.73%
Min Revenue beat(2)5.73%
Max Revenue beat(2)9.72%
Revenue beat(4)4
Avg Revenue beat(4)9.76%
Min Revenue beat(4)5.73%
Max Revenue beat(4)14.98%
Revenue beat(8)8
Avg Revenue beat(8)9.62%
Revenue beat(12)11
Avg Revenue beat(12)7.28%
Revenue beat(16)15
Avg Revenue beat(16)5.95%
PT rev (1m)0%
PT rev (3m)1.37%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-4.3%
EPS NY rev (1m)0%
EPS NY rev (3m)7.31%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.09%
Revenue NY rev (1m)0%
Revenue NY rev (3m)4.47%
Valuation
Industry RankSector Rank
PE 35.46
Fwd PE 31.64
P/S 2.73
P/FCF 28.34
P/OCF 21.17
P/B 5.71
P/tB 9.51
EV/EBITDA 26.67
EPS(TTM)0.69
EY2.82%
EPS(NY)0.77
Fwd EY3.16%
FCF(TTM)0.86
FCFY3.53%
OCF(TTM)1.16
OCFY4.72%
SpS8.96
BVpS4.28
TBVpS2.57
PEG (NY)2.94
PEG (5Y)N/A
Graham Number8.16
Profitability
Industry RankSector Rank
ROA 9.2%
ROE 11.03%
ROCE 11.93%
ROIC 10.19%
ROICexc 21.43%
ROICexgc 121.46%
OM 5.83%
PM (TTM) 5.27%
GM 24.77%
FCFM 9.64%
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
ROICexgc growth 3Y13.34%
ROICexgc 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-Score7
Asset Turnover1.74
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA 0
Cap/Depr 90.62%
Cap/Sales 3.26%
Interest Coverage 250
Cash Conversion 136.84%
Profit Quality 182.75%
Current Ratio 4.36
Quick Ratio 4.36
Altman-Z 20.45
F-Score7
WACC8.61%
ROIC/WACC1.18
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)38%
EPS 3Y129.61%
EPS 5YN/A
EPS Q2Q%53.85%
EPS Next Y12.08%
EPS Next 2Y20.62%
EPS Next 3Y16.13%
EPS Next 5Y14.59%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%28.15%
Revenue Next Year21.98%
Revenue Next 2Y21.44%
Revenue Next 3Y20.51%
Revenue Next 5Y7.12%
EBIT growth 1Y64.84%
EBIT growth 3Y54.77%
EBIT growth 5Y19.51%
EBIT Next Year221.13%
EBIT Next 3Y73.35%
EBIT Next 5Y39.13%
FCF growth 1Y322.4%
FCF growth 3YN/A
FCF growth 5Y40.29%
OCF growth 1Y145.26%
OCF growth 3Y48.35%
OCF growth 5Y29.44%

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 5 / 10 to PAY.


Can you provide the valuation status for PAYMENTUS HOLDINGS INC-A?

ChartMill assigns a valuation rating of 1 / 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 4 / 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 35.46 and the Price/Book (PB) ratio is 5.71.


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%.