Paymentus Holdings (PAY) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Paymentus Holdings

NYSE•Technology•Software - Infrastructure

$36.64+0.63(0.02%)Pre-market

Market Cap

$4.55B

P/E

53.6x

P/S

3.3x

P/B

7.4x

Paymentus Holdings, Inc. provides cloud-based bill payment technology and solutions in the United States and internationally. The company offers electronic bill presentment and payment services, enterprise customer communication, and self-service revenue management to billers through a software-as-a-service, secure, and omni channel technology platform. Its platform's payment processing includes credit cards, debit cards, echecks, and digital wallets. The company serves utility, financial services, insurance, telecommunication, real estate management, education, consumer finance, healthcare, and business to business industries, as well as governments and small businesses. Paymentus Holdings, Inc. was founded in 2004 and is headquartered in Charlotte, North Carolina.

How this company scores

ExcellentMetricSide Score: 80/100

Strongest: Cash & Earnings Quality (25/25); weakest: Balance Sheet & Red Flags (15/25).

Profitability16/25

Growth24/25

Balance Sheet & Red Flags15/25

Cash & Earnings Quality25/25

Strengths

Growing revenueRising free cash flowRising earningsInterest easily covered

No red flags in the last 8 quarters.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 53.6x5y range 41.9x – 391.7x

Currently below its 16-quarter median.

P/S · 3.3x5y range 2.4x – 5.3x

Currently near its 18-quarter median.

P/B · 7.4x5y range 5.3x – 8.6x

Price & Volume

Market Cap $4.55B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $1.36B
Q. Revenue: $360.74M
TTM EBITDA: $163.01M
TTM Op. Income: $103.10M
Q. Op. Income: $32.62M
TTM Net Income: $84.86M
Q. Net Income: $25.56M
EPS: $0.2
Shares Out.: $125.86M

$1.36B in TTM revenue grew 30.2% YoY, reaching $360.74M last quarter. TTM EBITDA of $163.01M and TTM operating income of $103.10M show growth is flowing through to the bottom line. TTM net income of $84.86M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 26.1%
EBITDA Margin: 11.7%
Op. Margin: 9.0%
Net Margin: 7.1%

Op. margin of 9.0% is up 3.4% YoY — cost efficiency is improving. Net margin at 7.1% and gross margin of 26.1% show how much of each revenue dollar survives to profit. Across the last 8 quarters, operating margin has risen for 4 consecutive quarters — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 53.6x
P/S Ratio: 3.3x
P/B Ratio: 7.4x

At 53.6x P/E, the stock trades above typical market levels — the market expects above-average growth. P/S of 3.3x and P/B of 7.4x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Over the past year, P/E is down 27% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $725.37M
Cash: $377.69M
Long-Term Debt: N/A
Book Value: $613.42M
D/E Ratio: N/A
Debt/EBITDA: 0.0

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $48.86M
TTM Free Cash Flow: $159.14M
FCF Margin: 11.7%
FCF / Net Income: 1.9

TTM FCF of $159.14M on $48.86M in operating cash flow. The FCF / Net Income ratio of 1.9x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is up 37% — an improving trend.