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Paymentus Holdings (PAY)
NYSE:PAY
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PAY
Paymentus Holdings
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Paymentus Holdings (PAY) Ratios

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Paymentus Holdings Ratios

PAY's free cash flow for Q2 2026 was $0.26. For the 2026 fiscal year, PAY's free cash flow was decreased by $ and operating cash flow was $0.10. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 4.89 4.46 4.24 4.31 4.45
Quick Ratio
 4.89 4.46 4.24 4.31 4.45
Cash Ratio
 3.75 3.28 2.52 2.86 2.86
Solvency Ratio
 1.02 1.00 0.89 0.70 0.14
Operating Cash Flow Ratio
 1.58 1.64 0.78 1.10 0.39
Short-Term Operating Cash Flow Coverage
 56.45 70.67 0.00 0.00 0.00
Net Current Asset Value
$ 382.51M$ 333.83M$ 254.99M$ 195.10M$ 164.60M
Leverage Ratios
Debt-to-Assets Ratio
 0.01 0.02 0.01 0.02 0.03
Debt-to-Equity Ratio
 0.01 0.02 0.02 0.02 0.03
Debt-to-Capital Ratio
 0.01 0.02 0.02 0.02 0.03
Long-Term Debt-to-Capital Ratio
 <0.01 <0.01 0.00 0.00 0.00
Financial Leverage Ratio
 1.18 1.19 1.19 1.18 1.16
Debt Service Coverage Ratio
 40.55 47.08 0.00 0.00 0.00
Interest Coverage Ratio
 0.00 0.00 0.00 0.00 0.00
Debt to Market Cap
 <0.01 <0.01 0.00 0.00 0.00
Interest Debt Per Share
 0.07 0.09 0.07 0.09 0.10
Net Debt to EBITDA
 -2.58 -2.48 -2.18 -3.47 -21.09
Profitability Margins
Gross Profit Margin
24.95%24.77%27.32%29.67%30.12%
EBIT Margin
8.37%7.13%6.19%2.94%-0.60%
EBITDA Margin
10.55%10.56%10.37%7.92%1.29%
Operating Profit Margin
7.58%6.31%5.15%2.94%-0.60%
Pretax Profit Margin
8.37%7.13%6.19%4.09%-0.26%
Net Profit Margin
6.24%5.59%5.07%3.63%-0.10%
Continuous Operations Profit Margin
6.24%5.59%5.07%3.63%-0.10%
Net Income Per EBT
74.56%78.50%81.88%88.85%39.22%
EBT Per EBIT
110.43%112.89%120.26%138.86%43.95%
Return on Assets (ROA)
11.70%10.02%7.66%4.42%-0.11%
Return on Equity (ROE)
14.80%11.94%9.10%5.20%-0.13%
Return on Capital Employed (ROCE)
16.52%13.28%9.07%4.09%-0.73%
Return on Invested Capital (ROIC)
12.26%10.38%7.39%3.62%-0.28%
Return on Tangible Assets
14.55%12.77%12.34%7.78%-0.21%
Earnings Yield
1.92%1.64%1.09%1.01%-0.05%
Efficiency Ratios
Receivables Turnover
 12.75 11.56 7.08 8.02 7.17
Payables Turnover
 14.46 14.07 12.70 12.28 11.88
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 128.32 164.88 97.31 53.04 43.66
Asset Turnover
 1.88 1.79 1.51 1.22 1.08
Working Capital Turnover Ratio
 3.59 3.95 3.70 3.19 2.77
Cash Conversion Cycle
 3.40 5.65 22.84 15.81 20.16
Days of Sales Outstanding
 28.63 31.59 51.57 45.53 50.88
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 25.24 25.94 28.73 29.72 30.72
Operating Cycle
 28.63 31.59 51.57 45.53 50.88
Cash Flow Ratios
Operating Cash Flow Per Share
 1.27 1.25 0.51 0.56 0.16
Free Cash Flow Per Share
 1.26 1.25 0.51 0.28 -0.09
CapEx Per Share
 <0.01 <0.01 <0.01 0.28 0.26
Free Cash Flow to Operating Cash Flow
 1.00 1.00 0.99 0.50 -0.58
Dividend Paid and CapEx Coverage Ratio
 422.01 449.11 139.24 2.01 0.63
Capital Expenditure Coverage Ratio
 422.01 449.11 139.24 2.01 0.63
Operating Cash Flow Coverage Ratio
 18.06 14.20 7.57 6.55 1.57
Operating Cash Flow to Sales Ratio
 0.12 0.14 0.07 0.11 0.04
Free Cash Flow Yield
3.62%3.96%1.55%1.56%-1.17%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 52.30 59.60 90.75 98.88 -1.91K
Price-to-Sales (P/S) Ratio
 3.24 3.42 4.66 3.59 1.97
Price-to-Book (P/B) Ratio
 7.19 7.29 8.37 5.14 2.46
Price-to-Free Cash Flow (P/FCF) Ratio
 27.65 25.26 64.32 63.92 -85.54
Price-to-Operating Cash Flow Ratio
 27.65 25.21 63.85 32.07 49.23
Price-to-Earnings Growth (PEG) Ratio
 1.15 1.26 0.91 -0.02 17.82
Price-to-Fair Value
 7.19 7.29 8.37 5.14 2.46
Enterprise Value Multiple
 28.07 29.87 42.75 41.86 132.04
Enterprise Value
 4.03B 3.77B 3.87B 2.04B 843.32M
EV to EBITDA
 28.07 29.87 42.75 41.86 132.04
EV to Sales
 2.96 3.15 4.43 3.32 1.70
EV to Free Cash Flow
 25.32 23.33 61.19 59.03 -73.76
EV to Operating Cash Flow
 25.26 23.28 60.75 29.61 42.45
Tangible Book Value Per Share
 3.74 3.22 2.15 1.71 1.50
Shareholders’ Equity Per Share
 4.87 4.33 3.90 3.48 3.25
Tax and Other Ratios
Effective Tax Rate
 0.25 0.22 0.18 0.11 0.61
Revenue Per Share
 10.81 9.25 7.01 4.98 4.07
Net Income Per Share
 0.67 0.52 0.36 0.18 >-0.01
Tax Burden
 0.75 0.78 0.82 0.89 0.39
Interest Burden
 1.00 1.00 1.00 1.39 0.44
Research & Development to Revenue
 0.05 0.05 0.06 0.07 0.08
SG&A to Revenue
 0.13 0.13 0.16 0.06 0.08
Stock-Based Compensation to Revenue
 0.02 0.02 0.01 0.02 0.01
Income Quality
 1.88 2.42 1.44 3.08 -38.73
Currency in USD