Valuation dashboard for Paymentus Holdings, Inc. (PAY) with P/E 49.73, P/B 6.73, EV/EBITDA 24.59 and dividend yield 0.00%. DCF, Graham Number, EPS growth, peer multiples and dividend discount models plus sector comparison against other Technology companies.
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.
Analysis Summary
Paymentus Holdings, Inc. reported revenue of $1.20B in the most recent fiscal year, growing at a 5-year CAGR of 31.7%. Net income reached $66.9M, with a 37.3% 5-year CAGR.
Trailing-twelve-month margins: gross margin 24.9%, operating margin 7.6%, net margin 6.2%.
At $32.82 (closing price, October 30, 2026), PAY trades at a P/E of 49.73 and an ROE of 14.80%. Market capitalisation stands at $4.1B.
Balance sheet quality for PAY: current ratio of 4.5. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Valuation Ratios
| P/E Ratio | 49.73 |
| Price / Book | 6.73 |
| EV / EBITDA | 24.59 |
| Dividend Yield | 0.00% |
Valuation Models
| DCF Fair Value | $9.27 |
| vs Current Price | -71.8% |
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| PAY | Paymentus Holdings, Inc. | $4.1B | 49.73 | 6.73 | 14.8% |
| AVT | Avnet, Inc. | $7.3B | 22.11 | 1.49 | 6.8% |
| SAIC | Science Applications International Corporation | $6.4B | 17.76 | 4.48 | 25.9% |
| DAVE | Dave Inc. | $4.0B | 20.54 | 20.48 | 84.4% |
| AGYS | Agilysys, Inc. | $3.3B | 74.23 | 9.11 | 13.3% |
| NIQ | NIQ Global Intelligence Plc | $5.8B | 6.45 | -47.2% | |
| GLOB | Globant S.A. | $2.0B | 18.32 | 0.89 | 5.3% |
Price
| Price | $32.82 (closing price, October 30, 2026) |
| Market Cap | $4.1B |
| Exchange | NYSE |
| Country | US |
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% |
Related companies: AVT · SAIC · DAVE · AGYS · NIQ · GLOB
Explore sector: Technology · Software - Infrastructure
More sections of PAY: Overview · Financials · Statistics · Estimates · Technical · Ownership · News · Events
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