Paymentus Holdings, Inc. (PAY) is a publicly traded company in the Technology — Software - Infrastructure industry listed on NYSE. This overview shows the latest price, key valuation ratios, profitability metrics and financial-health indicators used by fundamental investors.
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.
Is Paymentus Holdings, Inc. stock overvalued or undervalued in 2026?
Paymentus Holdings, Inc. (PAY) trades at 48.9× earnings (P/E), above the median of the 314 technology companies over $2bn in Kaplio's universe. At its sector median (32.0×) $21 (-35 %).
Kaplio overview: Paymentus Holdings, Inc.
Market cap $4B · 52 weeks $20 – $45 (28 % below the high) · P/E 48.9× · 2027 expected P/E 29.7× · Dividend none · Next earnings November 2, 2026 · expected EPS $0.21 · Closing price, Oct 29 · accounts published Aug 3.
- Valuation: P/E 48.9× (expensive).
- Business: ROIC 12 % (fair).
- Balance sheet: Net cash/EBITDA 2.5× (solid).
- Earnings: 8 of 8 (on track).
What would it be worth at its usual multiples?
At its sector median (32.0×) $21 (-35 %). Implied price from applying the reference multiples to today's earnings (or book value, or FFO) per share. Not a fair value: it is where the stock would trade at its usual multiples.
What matters in technology: 5 of 8 pass
- Gross margin 24.8 %, fails.
- FCF / Revenue 13.5 %, fails.
- ROIC 12.3 %, fails.
- 3y revenue growth 31.5 %, passes.
- Rule of 40 (SaaS only) 45, passes.
- SBC / Revenue 1.6 %, passes.
- Net debt / EBITDA −2.5×, passes.
- EV/EBITDA vs own 5y 23.6×, passes.
Against its peers (reference peers) — Paymentus Holdings, Inc.: P/E 48.9×; EV/EBITDA 23.6×; ROIC 12.3 %; $4.1B. Dave Inc. (P/E 21.7×; EV/EBITDA 14.2×; ROIC 42.5 %; $4.3B), Agilysys, Inc. (P/E 74.3×; EV/EBITDA 47.5×; ROIC 9.5 %; $3.3B), NIQ Global Intelligence Plc (P/E —; EV/EBITDA 13.2×; ROIC 3.9 %; $6.0B).
Profitability
| Return on Equity | 14.80% |
| Return on Invested Capital | 12.26% |
| Return on Assets | 11.70% |
| Gross Margin | 24.95% |
| Operating Margin | 7.58% |
| Net Margin | 6.24% |
Financial Health
| Debt / Equity | 0.01 |
| Current Ratio | 4.89 |
| Piotroski F-Score | 6 |
| Altman Z-Score | 25.93 |
Price Performance
| 1 month | +5.29% |
| 3 months | -5.40% |
| Year-to-date | +2.12% |
| 1 year | +13.15% |
| 3 years | +121.57% |
| 5 years | +26.02% |
Related companies: AVT · SAIC · DAVE · AGYS · NIQ
Explore sector: Technology · Software - Infrastructure
More sections of PAY: Financials · Valuation · Statistics · Estimates · Technical · Ownership · News · Events
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