GoAI
Get started
Paymentus Holdings, Inc. logo

Paymentus Holdings, Inc.

PAY

NYSETechnologySoftware - Infrastructure

Open in GoAI

Previous close

$40.00

+$1.58 · +4.11%

Aug 21, 4:00 PM ET

PAY company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

80

Undervalued

Momentum

60

Neutral

Sentiment

59

Mixed

Risk resilience

43

Elevated Risk

Full GoAI research

Thesis, catalysts, evidence, and risk analysis.

View full GoAI research

AI-generated, informational only, and not investment advice.

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 $40.00

52-week range

Current $40.00

Open
$38.155
Previous close
$38.42
Volume
1.38M
1.34× average
Average volume
1.03M
Average daily volume
Market cap
5.02B USD
Beta
1.31
Market reference 1
50-day average
$30.7522
+30.07% above average
200-day average
$28.6946
+39.40% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
3.77B USD
EV / EBITDA
29.87×
Earnings yield
1.64%
Free cash flow yield
3.96%

Profitability & efficiency

Return on equity
11.94%
Return on assets
10.02%
Return on invested capital
10.38%

Financial health

Current ratio
4.46×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends34%21%9%-4%Gross margin, FY2021: 30.69%Gross margin, FY2022: 30.12%Gross margin, FY2023: 29.67%Gross margin, FY2024: 27.32%Gross margin, FY2025: 24.77%Operating margin, FY2021: 2.62%Operating margin, FY2022: -0.60%Operating margin, FY2023: 2.94%Operating margin, FY2024: 5.15%Operating margin, FY2025: 6.31%Net margin, FY2021: 2.35%Net margin, FY2022: -0.10%Net margin, FY2023: 3.63%Net margin, FY2024: 5.07%Net margin, FY2025: 5.59%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 30.69%. Gross margin FY2022 30.12%. Gross margin FY2023 29.67%. Gross margin FY2024 27.32%. Gross margin FY2025 24.77%. Operating margin FY2021 2.62%. Operating margin FY2022 -0.60%. Operating margin FY2023 2.94%. Operating margin FY2024 5.15%. Operating margin FY2025 6.31%. Net margin FY2021 2.35%. Net margin FY2022 -0.10%. Net margin FY2023 3.63%. Net margin FY2024 5.07%. Net margin FY2025 5.59%.

Income trends

Revenue

1.2B USD+37.25%

Operating income

75.54M USD+68.40%

Net income

66.94M USD+51.55%
Income trends across reported periods1.32B USD836.66M USD356.87M USD−122.92M USDRevenue, FY2021: 395.52M USDRevenue, FY2022: 497M USDRevenue, FY2023: 614.49M USDRevenue, FY2024: 871.75M USDRevenue, FY2025: 1.2B USDOperating income, FY2021: 10.37M USDOperating income, FY2022: −2.98M USDOperating income, FY2023: 18.09M USDOperating income, FY2024: 44.86M USDOperating income, FY2025: 75.54M USDNet income, FY2021: 9.3M USDNet income, FY2022: −513K USDNet income, FY2023: 22.32M USDNet income, FY2024: 44.17M USDNet income, FY2025: 66.94M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 395.52M USD. Revenue FY2022 497M USD. Revenue FY2023 614.49M USD. Revenue FY2024 871.75M USD. Revenue FY2025 1.2B USD. Operating income FY2021 10.37M USD. Operating income FY2022 −2.98M USD. Operating income FY2023 18.09M USD. Operating income FY2024 44.86M USD. Operating income FY2025 75.54M USD. Net income FY2021 9.3M USD. Net income FY2022 −513K USD. Net income FY2023 22.32M USD. Net income FY2024 44.17M USD. Net income FY2025 66.94M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue1.2B USD871.75M USD614.49M USD497M USD395.52M USD
Cost of goods sold900.17M USD633.58M USD432.15M USD347.32M USD274.14M USD
Gross profit296.34M USD238.17M USD182.34M USD149.68M USD121.38M USD
Research and development61.47M USD51.33M USD44.25M USD41.22M USD34.12M USD
Selling, general, and administrative159.33M USD141.98M USD120M USD111.43M USD76.89M USD
Operating expenses220.8M USD193.31M USD164.25M USD152.65M USD111.01M USD
Interest income9.51M USD8.74M USD7.02M USD1.66M USD—
Interest expense————6K USD
Depreciation and amortization41.06M USD36.48M USD30.6M USD9.36M USD13.3M USD
Operating income75.54M USD44.86M USD18.09M USD−2.98M USD10.37M USD
Net income66.94M USD44.17M USD22.32M USD−513K USD9.3M USD

Company facts updated Aug 24, 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
Quarterly EPS actual values compared with estimates0.290.230.160.1Q1 '25BeatQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Mar 10, 2025: actual 0.13, estimate 0.12, surprise +8.33%, Beat. Q2 2025, reported May 5, 2025: actual 0.14, estimate 0.13, surprise +7.69%, Beat. Q3 2025, reported Aug 4, 2025: actual 0.15, estimate 0.14, surprise +7.14%, Beat. Q4 2025, reported Nov 3, 2025: actual 0.17, estimate 0.16, surprise +6.25%, Beat. Q1 2026, reported Feb 23, 2026: actual 0.2, estimate 0.18, surprise +11.11%, Beat. Q2 2026, reported May 4, 2026: actual 0.21, estimate 0.17, surprise +23.53%, Beat. Q3 2026, reported Aug 3, 2026: actual 0.25, estimate 0.189, surprise +32.56%, Beat. Q4 2026, reported Nov 2, 2026: actual —, estimate 0.22, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates375.17M329.02M282.88M236.73MQ1 '25BeatQ2 '25BeatQ3 '25MissQ4 '25MissQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Mar 10, 2025: actual 257.88M USD, estimate 251.16M USD, surprise +2.67%, Beat. Q2 2025, reported May 5, 2025: actual 275.24M USD, estimate 262.26M USD, surprise +4.95%, Beat. Q3 2025, reported Aug 4, 2025: actual 280.08M USD, estimate 284.74M USD, surprise -1.64%, Miss. Q4 2025, reported Nov 3, 2025: actual 310.74M USD, estimate 313.77M USD, surprise -0.97%, Miss. Q1 2026, reported Feb 23, 2026: actual 330.46M USD, estimate 313.77M USD, surprise +5.32%, Beat. Q2 2026, reported May 4, 2026: actual 358.44M USD, estimate 335.45M USD, surprise +6.85%, Beat. Q3 2026, reported Aug 3, 2026: actual 360.74M USD, estimate 345.44M USD, surprise +4.43%, Beat. Q4 2026, reported Nov 2, 2026: actual —, estimate 359.31M USD, surprise —, Comparison unavailable.

PAY peers

Taiwan Semiconductor Manufacturing Company Limited logo

TSM

Taiwan Semiconductor Manufacturing Company Limited

$418.95

+0.71%

Oracle Corporation logo

ORCL

Oracle Corporation

$146.47

+3.10%

Dell Technologies Inc. logo

DELL

Dell Technologies Inc.

$441.98

+1.66%

SAP SE logo

SAP

SAP SE

$218.68

+0.73%

Arista Networks, Inc. logo

ANET

Arista Networks, Inc.

$188.65

+2.67%

International Business Machines Corporation logo

IBM

International Business Machines Corporation

$235.68

+0.85%

ETFs holding PAY

Funds reporting this stock among their holdings, ordered by reported position size.

Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
61.74M
Weight
0.00%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$378.24+0.44%
iShares Russell 2000 ETF logoiShares Russell 2000 ETFIWM
Market value
58.61M
Weight
0.07%
AUM
81.62B USD
Expense ratio
0.19%
Price / 1D
$299.96+0.77%
Vanguard Morningstar Small-Cap ETF logoVanguard Morningstar Small-Cap ETFVB
Market value
44.34M
Weight
0.02%
AUM
183.4B USD
Expense ratio
0.03%
Price / 1D
$304.76+0.64%
Vanguard Morningstar Small-Cap Growth ETF logoVanguard Morningstar Small-Cap Growth ETFVBK
Market value
25.76M
Weight
0.06%
AUM
43.8B USD
Expense ratio
0.05%
Price / 1D
$358.65+0.70%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
22.5M
Weight
0.02%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$245.53+0.82%
iShares Russell 2000 Growth ETF logoiShares Russell 2000 Growth ETFIWO
Market value
21.41M
Weight
0.14%
AUM
15.16B USD
Expense ratio
0.24%
Price / 1D
$387.37+1.24%
Vanguard Russell 2000 ETF logoVanguard Russell 2000 ETFVTWO
Market value
11.4M
Weight
0.06%
AUM
17.4B USD
Expense ratio
0.06%
Price / 1D
$121.25+0.74%
Schwab U.S. Small-Cap ETF logoSchwab U.S. Small-Cap ETFSCHA
Market value
10.56M
Weight
0.05%
AUM
23.1B USD
Expense ratio
0.03%
Price / 1D
$34.83+0.52%

Continue in GoAI

Research PAY

research.disclaimer