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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)1.01M
Market Cap
$4.15B
Enterprise Value$2.75B
Total Cash (Recent Filing)$379.70M
Total Debt (Recent Filing)$8.83M
Price to Earnings (P/E)49.3
Beta1.19
Next Earnings
Nov 02, 2026EPS Estimate
0.21Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.67
Shares Outstanding63,114,220
10 Day Avg. Volume729,286
30 Day Avg. Volume1,010,820
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 Cap0.66
Enterprise Value/Revenue2.02
Enterprise Value/Gross Profit8.09
Enterprise Value/Ebitda17.95
Forecast
1Y Price Target
$39.80Price Target Upside0.94% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering6
EPS Forecast (FY)0.89
Revenue Forecast (FY)$1.45B
Bulls Say, Bears Say
Bulls Say
Strong Revenue And Earnings GrowthPaymentus has demonstrated substantial multi-year revenue scaling while moving from a small loss in 2022 to meaningful profitability. This combination of expanding sales and improving earnings supports durable operating momentum and provides a stronger base for continued investment in the platform.
Strong Cash Generation And Conservative LeverageHigh cash generation alongside minimal debt gives Paymentus substantial financial flexibility. The company can support product development, customer growth and strategic investment primarily from internally generated funds, while its conservative capital structure reduces refinancing pressure and balance-sheet risk.
Raised Outlook Supported By Backlog And BookingsRaised guidance, broad-based bookings and a substantial backlog indicate that growth is supported by contracted or identifiable customer demand rather than only near-term transaction fluctuations. Improved onboarding efficiency and operating leverage could further strengthen execution as this backlog converts.
Bears Say
Contribution Margin Pressure From Enterprise MixA growing enterprise mix can expand transaction volumes but may dilute contribution margins when larger customers carry different economics. If this mix shift persists, Paymentus may need continued efficiency gains and scale benefits to prevent revenue growth from translating into proportionally slower profit expansion.
Potential Volume-discount PressureVolume discounts may help secure and retain large enterprise relationships, but they can reduce monetization per transaction as customers become more significant. This creates an ongoing trade-off between platform scale and pricing, potentially limiting contribution-profit expansion even when payment volumes grow.
Higher Operating Expenses To Support BookingsHigher sales and marketing investment can support future bookings, but it also raises the cost base and places greater demands on revenue conversion. If pipeline spending does not translate into sustained customer additions, expense growth could temper operating leverage and constrain margin improvement.
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 $4.15B.
When is Paymentus Holdings’s upcoming earnings report date?
Paymentus Holdings’s upcoming earnings report date is Nov 02, 2026 which is in 11 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 Undervalued.
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
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10
Analyst Consensus
Moderate Buy
Average Price Target:
$39.80 (0.94% Upside)
$39.80 (0.94% Upside)
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 Positive
Last 7 Days ▲ 4.0%
Last 30 Days ▲ 8.0%
Last 30 Days ▲ 8.0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
9.87%
12-Months-Change
Fundamentals
Return on Equity
14.80%
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
$39.80
▲(0.94% Upside)
Technical Analysis
Ownership Overview
16.84% Insiders
40.96% Mutual Funds
14.56% Other Institutional Investors
11.64% Public Companies and
Individual Investors