PAYMENTUS HOLDINGS INC-A (PAY) Fundamental Analysis & Valuation

NYSE:PAY • US70439P1084

Current stock price

24.5 USD
-0.66 (-2.62%)
At close:
24.5 USD
0 (0%)
After Hours:

This PAY fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

6

1. PAY Profitability Analysis

1.1 Basic Checks

  • In the past year PAY was profitable.
  • 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.
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 2025 0 50M 100M 150M

1.2 Ratios

  • The Return On Assets of PAY (10.02%) is better than 89.00% of its industry peers.
  • Looking at the Return On Equity, with a value of 11.94%, PAY is in the better half of the industry, outperforming 64.00% of the companies in the same industry.
  • PAY's Return On Invested Capital of 10.64% is amongst the best of the industry. PAY outperforms 85.00% of its industry peers.
  • PAY had an Average Return On Invested Capital over the past 3 years of 7.07%. This is in line with the industry average of 8.07%.
  • The last Return On Invested Capital (10.64%) for PAY is above the 3 year average (7.07%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 10.02%
ROE 11.94%
ROIC 10.64%
ROA(3y)7.37%
ROA(5y)4.7%
ROE(3y)8.75%
ROE(5y)5.58%
ROIC(3y)7.07%
ROIC(5y)N/A
PAY Yearly ROA, ROE, ROICPAY Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 2024 2025 0 5 10 15 20

1.3 Margins

  • PAY has a Profit Margin (5.59%) which is comparable to the rest of the industry.
  • PAY's Profit Margin has improved in the last couple of years.
  • PAY has a Operating Margin (6.31%) which is comparable to the rest of the industry.
  • In the last couple of years the Operating Margin of PAY has remained more or less at the same level.
  • PAY has a Gross Margin (24.77%) which is in line with its industry peers.
  • In the last couple of years the Gross Margin of PAY has declined.
Industry RankSector Rank
OM 6.31%
PM (TTM) 5.59%
GM 24.77%
OM growth 3YN/A
OM growth 5Y0.7%
PM growth 3YN/A
PM growth 5Y14.71%
GM growth 3Y-6.31%
GM growth 5Y-4.19%
PAY Yearly Profit, Operating, Gross MarginsPAY Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 2024 2025 0 10 20 30

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9

2. PAY Health Analysis

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.
  • The number of shares outstanding for PAY has been increased compared to 1 year ago.
  • The number of shares outstanding for PAY has been increased compared to 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.
PAY Yearly Shares OutstandingPAY Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 2025 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 2025 200M 400M 600M

2.2 Solvency

  • An Altman-Z score of 20.78 indicates that PAY is not in any danger for bankruptcy at the moment.
  • With an excellent Altman-Z score value of 20.78, PAY belongs to the best of the industry, outperforming 99.00% 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 20.78
ROIC/WACC1.17
WACC9.06%
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 2025 0 100M 200M 300M 400M 500M

2.3 Liquidity

  • A Current Ratio of 4.46 indicates that PAY has no problem at all paying its short term obligations.
  • PAY has a better Current ratio (4.46) than 88.00% of its industry peers.
  • A Quick Ratio of 4.46 indicates that PAY has no problem at all paying its short term obligations.
  • Looking at the Quick ratio, with a value of 4.46, PAY belongs to the top of the industry, outperforming 88.00% of the companies in the same industry.
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 2025 100M 200M 300M 400M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

7

3. PAY Growth Analysis

3.1 Past

  • PAY shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 38.00%, which is quite impressive.
  • The Earnings Per Share has been growing by 49.25% 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 37.25%.
  • The Revenue has been growing by 31.72% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)38%
EPS 3Y129.61%
EPS 5Y49.25%
EPS Q2Q%53.85%
Revenue 1Y (TTM)37.25%
Revenue growth 3Y34.03%
Revenue growth 5Y31.72%
Sales Q2Q%28.15%

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 14.59% on average per year.
  • Based on estimates for the next years, PAY will show a small growth in Revenue. The Revenue will grow by 7.12% on average per year.
EPS Next Y10.87%
EPS Next 2Y19.48%
EPS Next 3Y25.18%
EPS Next 5Y14.59%
Revenue Next Year19.3%
Revenue Next 2Y19.39%
Revenue Next 3Y18.09%
Revenue Next 5Y7.12%

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 Revenue growth rate is decreasing: in the next years the growth will be less than in the last 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
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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2

4. PAY Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 35.51 indicates a quite expensive valuation of PAY.
  • PAY's Price/Earnings ratio is a bit more expensive when compared to the industry. PAY is more expensive than 71.00% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 24.88. PAY is valued slightly more expensive when compared to this.
  • A Price/Forward Earnings ratio of 32.03 indicates a quite expensive valuation of 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 71.00% of the companies listed in the same industry.
  • When comparing the Price/Forward Earnings ratio of PAY to the average of the S&P500 Index (22.19), we can say PAY is valued slightly more expensively.
Industry RankSector Rank
PE 35.51
Fwd PE 32.03
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 ratio is in line with the industry average.
  • PAY's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 24.64
EV/EBITDA 24.38
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 PAY does not grow enough to justify the current Price/Earnings ratio.
  • The decent profitability rating of PAY may justify a higher PE ratio.
  • PAY's earnings are expected to grow with 25.18% in the coming years. This may justify a more expensive valuation.
PEG (NY)3.27
PEG (5Y)0.72
EPS Next 2Y19.48%
EPS Next 3Y25.18%

More info and screens

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

0

5. PAY Dividend Analysis

5.1 Amount

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

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Find the best dividend stocksShow peers with best dividend

PAY Fundamentals: All Metrics, Ratios and Statistics

PAYMENTUS HOLDINGS INC-A

NYSE:PAY (3/27/2026, 7:42:06 PM)

After market: 24.5 0 (0%)

24.5

-0.66 (-2.62%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-23
Earnings (Next)05-04
Inst Owners87.47%
Inst Owner Change12.91%
Ins Owners1.01%
Ins Owner Change5.84%
Market Cap3.08B
Revenue(TTM)1.20B
Net Income(TTM)66.94M
Analysts85
Price Target39.3 (60.41%)
Short Float %3.43%
Short Ratio2.59
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)27.16%
Min EPS beat(2)20.53%
Max EPS beat(2)33.8%
EPS beat(4)4
Avg EPS beat(4)18.13%
Min EPS beat(4)8.67%
Max EPS beat(4)33.8%
EPS beat(8)8
Avg EPS beat(8)27.32%
EPS beat(12)12
Avg EPS beat(12)107.87%
EPS beat(16)15
Avg EPS beat(16)158.22%
Revenue beat(2)2
Avg Revenue beat(2)7%
Min Revenue beat(2)4.28%
Max Revenue beat(2)9.72%
Revenue beat(4)4
Avg Revenue beat(4)7.08%
Min Revenue beat(4)4.28%
Max Revenue beat(4)9.72%
Revenue beat(8)8
Avg Revenue beat(8)9.7%
Revenue beat(12)11
Avg Revenue beat(12)7.38%
Revenue beat(16)15
Avg Revenue beat(16)6.12%
PT rev (1m)-1.91%
PT rev (3m)-1.91%
EPS NQ rev (1m)1.25%
EPS NQ rev (3m)-1.67%
EPS NY rev (1m)-1.08%
EPS NY rev (3m)-3.92%
Revenue NQ rev (1m)-0.23%
Revenue NQ rev (3m)-0.23%
Revenue NY rev (1m)-2.2%
Revenue NY rev (3m)-2%
Valuation
Industry RankSector Rank
PE 35.51
Fwd PE 32.03
P/S 2.57
P/FCF 24.64
P/OCF 19
P/B 5.5
P/tB 8.91
EV/EBITDA 24.38
EPS(TTM)0.69
EY2.82%
EPS(NY)0.77
Fwd EY3.12%
FCF(TTM)0.99
FCFY4.06%
OCF(TTM)1.29
OCFY5.26%
SpS9.52
BVpS4.46
TBVpS2.75
PEG (NY)3.27
PEG (5Y)0.72
Graham Number8.32
Profitability
Industry RankSector Rank
ROA 10.02%
ROE 11.94%
ROCE 13.28%
ROIC 10.64%
ROICexc 24.41%
ROICexgc 181.33%
OM 6.31%
PM (TTM) 5.59%
GM 24.77%
FCFM 10.45%
ROA(3y)7.37%
ROA(5y)4.7%
ROE(3y)8.75%
ROE(5y)5.58%
ROIC(3y)7.07%
ROIC(5y)N/A
ROICexc(3y)14.13%
ROICexc(5y)N/A
ROICexgc(3y)88.21%
ROICexgc(5y)N/A
ROCE(3y)8.81%
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5Y9.14%
ROICexc growth 3YN/A
ROICexc growth 5Y-4.86%
OM growth 3YN/A
OM growth 5Y0.7%
PM growth 3YN/A
PM growth 5Y14.71%
GM growth 3Y-6.31%
GM growth 5Y-4.19%
F-Score7
Asset Turnover1.79
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA 0
Cap/Depr 90.36%
Cap/Sales 3.1%
Interest Coverage 250
Cash Conversion 139.05%
Profit Quality 186.79%
Current Ratio 4.46
Quick Ratio 4.46
Altman-Z 20.78
F-Score7
WACC9.06%
ROIC/WACC1.17
Cap/Depr(3y)100.9%
Cap/Depr(5y)117.25%
Cap/Sales(3y)4.29%
Cap/Sales(5y)4.87%
Profit Quality(3y)134.24%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)38%
EPS 3Y129.61%
EPS 5Y49.25%
EPS Q2Q%53.85%
EPS Next Y10.87%
EPS Next 2Y19.48%
EPS Next 3Y25.18%
EPS Next 5Y14.59%
Revenue 1Y (TTM)37.25%
Revenue growth 3Y34.03%
Revenue growth 5Y31.72%
Sales Q2Q%28.15%
Revenue Next Year19.3%
Revenue Next 2Y19.39%
Revenue Next 3Y18.09%
Revenue Next 5Y7.12%
EBIT growth 1Y69.45%
EBIT growth 3YN/A
EBIT growth 5Y32.64%
EBIT Next Year132.81%
EBIT Next 3Y55.2%
EBIT Next 5Y29.28%
FCF growth 1Y362.08%
FCF growth 3YN/A
FCF growth 5Y43.19%
OCF growth 1Y154.78%
OCF growth 3Y101.32%
OCF growth 5Y35.4%

PAYMENTUS HOLDINGS INC-A / PAY Fundamental Analysis 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 6 / 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 35.51 and the Price/Book (PB) ratio is 5.5.


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%.