PAYMENTUS HOLDINGS INC-A (PAY) Fundamental Analysis & Valuation
NYSE:PAY • US70439P1084
Current stock price
25.73 USD
+0.14 (+0.55%)
At close:
25.7773 USD
+0.05 (+0.18%)
After Hours:
This PAY fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
1. PAY Profitability Analysis
1.1 Basic Checks
- PAY had positive earnings in the past year.
- PAY had a positive operating cash flow in the past year.
- PAY had positive earnings in 4 of the past 5 years.
- PAY had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- Looking at the Return On Assets, with a value of 10.02%, PAY belongs to the top of the industry, outperforming 88.89% of the companies in the same industry.
- Looking at the Return On Equity, with a value of 11.94%, PAY is in the better half of the industry, outperforming 60.61% of the companies in the same industry.
- With an excellent Return On Invested Capital value of 10.64%, PAY belongs to the best of the industry, outperforming 84.85% of the companies in the same industry.
- 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 8.00%.
- 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 Rank | Sector 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
1.3 Margins
- PAY has a Profit Margin (5.59%) which is in line with its industry peers.
- 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.
- PAY's Operating Margin has been stable in the last couple of years.
- PAY has a Gross Margin (24.77%) which is in line with its industry peers.
- PAY's Gross Margin has declined in the last couple of years.
| Industry Rank | Sector 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%
2. PAY Health Analysis
2.1 Basic Checks
- With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), PAY 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.
- 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.
2.2 Solvency
- PAY has an Altman-Z score of 21.08. This indicates that PAY is financially healthy and has little risk of bankruptcy at the moment.
- PAY has a better Altman-Z score (21.08) than 97.98% 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 | 21.08 |
ROIC/WACC1.19
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 has a better Current ratio (4.46) than 87.88% 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 87.88% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 4.46 | ||
| Quick Ratio | 4.46 |
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.
- PAY shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 49.25% yearly.
- PAY shows a strong growth in Revenue. In the last year, the Revenue has grown by 37.25%.
- Measured over the past years, PAY shows a very strong growth in Revenue. The Revenue has been growing by 31.72% on average per year.
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
- 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.
- PAY is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.12% yearly.
EPS Next Y11.5%
EPS Next 2Y19.74%
EPS Next 3Y25.18%
EPS Next 5Y14.59%
Revenue Next Year19.04%
Revenue Next 2Y18.97%
Revenue Next 3Y18.09%
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.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. PAY Valuation Analysis
4.1 Price/Earnings Ratio
- PAY is valuated quite expensively with a Price/Earnings ratio of 37.29.
- Based on the Price/Earnings ratio, PAY is valued a bit more expensive than the industry average as 68.69% of the companies are valued more cheaply.
- Compared to an average S&P500 Price/Earnings ratio of 27.18, PAY is valued a bit more expensive.
- With a Price/Forward Earnings ratio of 33.44, PAY can be considered very expensive at the moment.
- Based on the Price/Forward Earnings ratio, PAY is valued a bit more expensive than the industry average as 68.69% of the companies are valued more cheaply.
- PAY's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 37.96.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 37.29 | ||
| Fwd PE | 33.44 |
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 Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 25.87 | ||
| EV/EBITDA | 24.84 |
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.
- PAY has a very decent profitability rating, which may justify a higher PE ratio.
- A more expensive valuation may be justified as PAY's earnings are expected to grow with 25.18% in the coming years.
PEG (NY)3.24
PEG (5Y)0.76
EPS Next 2Y19.74%
EPS Next 3Y25.18%
5. PAY Dividend Analysis
5.1 Amount
- PAY does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
PAY Fundamentals: All Metrics, Ratios and Statistics
25.73
+0.14 (+0.55%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-23 2026-02-23/amc
Earnings (Next)05-04 2026-05-04/amc
Inst Owners87.68%
Inst Owner Change-0.06%
Ins Owners1.46%
Ins Owner Change18.49%
Market Cap3.23B
Revenue(TTM)1.20B
Net Income(TTM)66.94M
Analysts83.33
Price Target33.29 (29.38%)
Short Float %3.35%
Short Ratio2.78
Dividend
| Industry Rank | Sector 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)-15.3%
PT rev (3m)-16.92%
EPS NQ rev (1m)0.84%
EPS NQ rev (3m)-0.85%
EPS NY rev (1m)0.57%
EPS NY rev (3m)-0.52%
Revenue NQ rev (1m)-0.26%
Revenue NQ rev (3m)-0.49%
Revenue NY rev (1m)-0.21%
Revenue NY rev (3m)-2.21%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 37.29 | ||
| Fwd PE | 33.44 | ||
| P/S | 2.7 | ||
| P/FCF | 25.87 | ||
| P/OCF | 19.95 | ||
| P/B | 5.77 | ||
| P/tB | 9.36 | ||
| EV/EBITDA | 24.84 |
EPS(TTM)0.69
EY2.68%
EPS(NY)0.77
Fwd EY2.99%
FCF(TTM)0.99
FCFY3.87%
OCF(TTM)1.29
OCFY5.01%
SpS9.52
BVpS4.46
TBVpS2.75
PEG (NY)3.24
PEG (5Y)0.76
Graham Number8.32
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 21.08 |
F-Score7
WACC8.94%
ROIC/WACC1.19
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 Y11.5%
EPS Next 2Y19.74%
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 Year19.04%
Revenue Next 2Y18.97%
Revenue Next 3Y18.09%
Revenue Next 5Y7.12%
EBIT growth 1Y69.45%
EBIT growth 3YN/A
EBIT growth 5Y32.64%
EBIT Next Year131.42%
EBIT Next 3Y52.47%
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.
How profitable is PAYMENTUS HOLDINGS INC-A (PAY) stock?
PAYMENTUS HOLDINGS INC-A (PAY) has a profitability rating of 6 / 10.
Can you provide the financial health for PAY stock?
The financial health rating of PAYMENTUS HOLDINGS INC-A (PAY) is 9 / 10.
Can you provide the dividend sustainability for PAY stock?
The dividend rating of PAYMENTUS HOLDINGS INC-A (PAY) is 0 / 10 and the dividend payout ratio is 0%.