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PAY Stock Chart & Stats
$39.43
$2.61(9.04%)
At close: 4:00 PM EDT
$39.43
$2.61(9.04%)
Day’s Range― - ―
52-Week Range$20.11 - $45.31
Previous Close$31.48
Volume1.10M
Average Volume (3M)1.25M
Market Cap
$4.42B
Enterprise Value$2.75K
Total Cash (Recent Filing)$379.70M
Total Debt (Recent Filing)$8.83M
Price to Earnings (P/E)54.1
Beta1.32
Next Earnings
Nov 09, 2026EPS Estimate
0.21Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.67
Shares Outstanding63,114,220
10 Day Avg. Volume1,304,380
30 Day Avg. Volume1,249,054
Financial Highlights & Ratios
PEG Ratio1.26
Price to Book (P/B)7.29
Price to Sales (P/S)3.42
P/FCF Ratio25.26
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$37.00Price Target Upside-6.16% Downside
Rating ConsensusHold
Number of Analyst Covering3
EPS Forecast (FY)0.9
Revenue Forecast (FY)$1.45B
Bulls Say, Bears Say
Bulls Say
Strong Revenue And Transaction GrowthRapid growth in revenue and processed transactions indicates continued biller adoption and expanding platform usage. Because Paymentus earns primarily from payment activity, sustained volume growth can support durable top-line expansion over the next several quarters.
Strong Cash Generation And Minimal LeverageHigh cash conversion and a debt-free balance sheet provide financial flexibility to fund product development, sales investment and potential strategic initiatives. This reduces dependence on external financing and strengthens resilience if operating conditions become less favorable.
Raised Guidance And Visible BacklogHigher guidance, broad-based bookings and a substantial backlog improve forward revenue visibility and support confidence in continued scaling. Faster onboarding and implementation efficiency may also help convert demand into growth while expanding operating leverage.
Bears Say
Enterprise Mix Is Compressing Contribution MarginsLarger enterprise customers can bring meaningful volume but may carry lower unit economics, creating a structural risk to contribution margins as the mix evolves. Continued growth will therefore need to offset dilution through scale, pricing and operating efficiency.
Higher Sales And Marketing CostsInvestment in sales capacity may support future bookings, but elevated operating expenses can delay margin expansion and reduce earnings conversion if growth slows. The company must demonstrate that pipeline spending produces durable customer additions and sufficient incremental profit.
Exposure To Payment Mix And Volume DiscountsPaymentus’s transaction-based model remains sensitive to payment amounts, channel mix and negotiated enterprise pricing. These factors can constrain revenue per transaction even when volumes rise, making sustained growth and profitability dependent on favorable mix and disciplined pricing.
Paymentus Holdings News
PAY FAQ
What was Paymentus Holdings’s price range in the past 12 months?
Paymentus Holdings lowest stock price was $20.11 and its highest was $45.31 in the past 12 months.
What is Paymentus Holdings’s market cap?
Paymentus Holdings’s market cap is $4.42B.
When is Paymentus Holdings’s upcoming earnings report date?
Paymentus Holdings’s upcoming earnings report date is Nov 09, 2026 which is in 66 days.
How were Paymentus Holdings’s earnings last quarter?
Paymentus Holdings released its earnings results on Aug 03, 2026. The company reported $0.25 earnings per share for the quarter, beating the consensus estimate of $0.189 by $0.061.
Is Paymentus Holdings overvalued?
According to Wall Street analysts Paymentus Holdings’s price is currently Overvalued.
Does Paymentus Holdings pay dividends?
Paymentus Holdings does not currently pay dividends.
What is Paymentus Holdings’s EPS estimate?
Paymentus Holdings’s EPS estimate is 0.21.
How many shares outstanding does Paymentus Holdings have?
Paymentus Holdings has 63,114,220 shares outstanding.
What happened to Paymentus Holdings’s price movement after its last earnings report?
Paymentus Holdings reported an EPS of $0.25 in its last earnings report, beating expectations of $0.189. Following the earnings report the stock price went up 29.2%.
Which hedge fund is a major shareholder of Paymentus Holdings?
Currently, no hedge funds are holding shares in PAY
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Paymentus Holdings Stock Smart Score
Neutral
1
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3
4
5
6
7
8
9
10
Analyst Consensus
Hold
Average Price Target:
$37.00 (-6.16% Downside)
$37.00 (-6.16% Downside)
Blogger Sentiment
Bullish
PAY Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 6.6K Shares
Last Quarter.
Last Quarter.
Crowd Wisdom
Very Negative
Last 7 Days ▼ 4.7%
Last 30 Days ▼ 4.2%
Last 30 Days ▼ 4.2%
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Positive
20 days / 200 days
Momentum
-3.43%
12-Months-Change
Fundamentals
Return on Equity
―
Trailing 12-Months
Asset Growth
19.01%
Trailing 12-Months
Learn more about TipRanks Smart Score
Company Description
Paymentus Holdings
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.
PAY Company Deck
PAY Earnings Call
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call highlighted strong, broad-based growth with record revenue, substantial adjusted EBITDA expansion, healthy transaction growth, robust cash generation, and raised full‑year guidance. Management emphasized durable operating leverage, faster onboarding, a sizable backlog and positive early traction for AI offerings (Billeo/BillWallet). Areas of caution included modest contribution margin compression due to customer mix, an increase in operating expenses to support sales and marketing, quarter-to-quarter variability in revenue-per-transaction, and potential margin effects from volume discounts for large enterprise deals. On balance, the positives (record financials, margin expansion, cash flow, raised guidance, diversified bookings and product innovation) materially outweighed the limited operational and mix-related headwinds.View all PAY earnings summariesPAY Stock 12 Month Forecast
Average Price Target
$37.00
▼(-6.16% Downside)
Technical Analysis
Ownership Overview
17.22% Insiders
40.96% Mutual Funds
12.49% Other Institutional Investors
15.14% Public Companies and
Individual Investors