Paymentus Holdings, Inc. (PAY) stock price, financials & research

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GoAI snapshot

Jul 10, 2026

58/ 100

GoAI Score

Hold

Valuation

80

Undervalued

Sentiment

59

Mixed

Risk

57

Elevated Risk

Momentum

60

Neutral

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Thesis, catalysts, evidence, and risk analysis.

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Company profile

Company website

Paymentus Holdings, Inc. delivers cloud-native technological solutions aimed at streamlining bill payments. Through its Software-as-a-Service (SaaS) platform, the company equips organizations (referred to as "billers") with services for electronic bill presentation, digital payment processing, enhanced enterprise customer communication, and self-service revenue collection. Its clientele spans a broad spectrum of industries, including utility providers, financial institutions, insurance companies, government agencies, telecommunications firms, and healthcare organizations. The company was founded in 2004 and is based in Redmond, Washington.

Industry: Software - Infrastructure
Sector: Technology
Headquarters: US
CEO: Dushyant Sharma
Listed since: May 26, 2021
Employees: 1,340

Market position

Day range

Current $37.08

$36.67$37.905

52-week range

Current $37.08

$20.11$45.31

Open: $36.67
Previous close: $36.38
Volume: 1.05M; 0.93× average
Average volume: 1.13M; Average daily volume
Market cap: 4.66B USD
Beta: 1.31; Market reference 1
50-day average: $35.0754; +5.72% above average
200-day average: $28.7592; +28.93% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value: 3.77B USD
P/E (TTM): 55.34×
P/B (TTM): 7.61×
P/S (TTM): 3.42×
EV / EBITDA: 29.87×
Earnings yield: 1.64%
Free cash flow yield: 3.96%
Dividend yield: 0.00%

Profitability & efficiency

Gross margin: 24.95%
Operating margin: 7.58%
Net margin: 6.24%
Return on equity: 11.94%
Return on assets: 10.02%
Return on invested capital: 10.38%

Financial health

Debt / equity: 0.01×
Current ratio: 4.46×
Altman Z-score: 28.64
Piotroski F-score: 7 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin

Income trends

Revenue

1.2B USD+37.25%

Operating income

75.54M USD+68.40%

Net income

66.94M USD+51.55%

Financial statements: Income statement
Metric (USD)	FY2025	FY2024	FY2023	FY2022	FY2021
Revenue	1.2B USD	871.75M USD	614.49M USD	497M USD	395.52M USD
Cost of goods sold	900.17M USD	633.58M USD	432.15M USD	347.32M USD	274.14M USD
Gross profit	296.34M USD	238.17M USD	182.34M USD	149.68M USD	121.38M USD
Research and development	61.47M USD	51.33M USD	44.25M USD	41.22M USD	34.12M USD
Selling, general, and administrative	159.33M USD	141.98M USD	120M USD	111.43M USD	76.89M USD
Operating expenses	220.8M USD	193.31M USD	164.25M USD	152.65M USD	111.01M USD
Interest income	9.51M USD	8.74M USD	7.02M USD	1.66M USD	—
Interest expense	—	—	—	—	6K USD
Depreciation and amortization	41.06M USD	36.48M USD	30.6M USD	9.36M USD	13.3M USD
Operating income	75.54M USD	44.86M USD	18.09M USD	−2.98M USD	10.37M USD
Net income	66.94M USD	44.17M USD	22.32M USD	−513K USD	9.3M USD

Company facts updated Sep 15, 2026.

Earnings

EPS beat rate: 100%; 11 beats, 0 misses, 0 met estimates
Average EPS surprise: +27.72%; 11 comparable reports
Latest EPS result: 0.25; Estimate 0.19 · Beat by 32.56%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate

Latest fiscal-year EPS: 0.52; FY2025 · +48.57% year over year
Latest fiscal-year revenue: 1.2B USD; FY2025 · +37.25% year over year
Next fiscal-year EPS consensus: 0.902; FY2026 · 6 analysts
Next fiscal-year revenue consensus: 1.45B USD; FY2026 · 7 analysts

Annual EPS trend

Reported history and fiscal-year consensus

ReportedConsensus forecast

Annual revenue trend

Reported history and fiscal-year consensus

ReportedConsensus forecast

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$39.50

6.53% upside

Past 12 months12-month forecastHigh $44.00Average $39.50Low $36.00

Rating distribution

10 ratings

Strong buy00%

Buy220%

Hold880%

Sell00%

Strong sell00%

Recent analyst actions

8 institutions

PAY news

pymnts.comSep 14, 2026

Paymentus Scales Bill Payment Platform Across Additional Sectors

Paymentus executives emphasized the company's position as a specialized technology provider navigating bill payment modernization, agentic artificial intelligence and expansion into additional verticals during the…

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seekingalpha.comSep 10, 2026

Paymentus Holdings, Inc. (PAY) Presents at Goldman Sachs Communacopia + Technology Conference 2026 Transcript

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zacks.comSep 8, 2026

3 Crypto-Exposed Stocks Riding the Institutional Crypto Wave

Institutional crypto demand is gaining traction as ETF flows, regulatory progress and stablecoin adoption boost FIGR, CHYM and PAY.

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zacks.comAug 28, 2026

Is Paymentus (PAY) Stock Outpacing Its Business Services Peers This Year?

Here is how Paymentus (PAY) and Quad/Graphics (QUAD) have performed compared to their sector so far this year.

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gurufocus.comAug 27, 2026

Is Paymentus Holdings Inc (PAY) a Bargain After 9.7% Drop? GF Value Says Undervalued

On August 27, 2026, Paymentus Holdings Inc (PAY) shares fell 9.7% to a current price of $35.61. This decline comes amidst a 52-week trading range of $20.11 to $

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