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Company Analysis

Paymentus Holdings, Inc. PAY

A comprehensive view of key metrics, scores, and financial health for Paymentus Holdings, Inc.

Overview of Paymentus Holdings, Inc.

PAY NYQ
Technology Software - Infrastructure Mid Cap
Paymentus Holdings, Inc. (PAY), is a Mid Cap company, in the Software - Infrastructure industry, last closed at $24.39, about 61.7% undervalued vs fair value, -14.0% 1Y return, ranked 224/761 in sector.
$24.39
1.12%
As of March 13, 2026
Previous close • Vol 90d: 61.3%
52-Week Range
Market Cap
$3.25B
Enterprise Value
$2.94B
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.paymentus.com
HQ Charlotte, NC
Employees 1,340
Fiscal year Dec 31

Next Events

Earnings May 4 Estimated

Fair Value Snapshot

Bear Base Bull
$36
$39
$43
Current: $24.39 +62% vs base

Engine Room Money Flow™

Mid Cap

Corporate Free Cash Flow - Where revenue goes and how value is created

Flow Steps
Revenue
$1.2B
37.3%%
Gross Profit
$296.3M
24.4%%
Operating Income
$75.5M
68.4%%
Net Income
$67.0M
51.6%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Corporate Free Cash Flow

Quality & Reliability Indicators

Operating Cash Flow Margin
13.6%
Fair

OCF / Revenue - cash profitability from operations

Locked Metric
-
Premium

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
Analysis based on partial data. Some metrics unavailable for complete assessment.
0
Active Leaks
0/0
Improving
0
High Impact
0
Critical
Moat Analysis Corporate Default

Competitive Advantage Assessment

Evaluating Paymentus Holdings, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
62
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Moderate
62
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Software SaaS vs Industry Peers 65% Coverage
Trade-Off Triangle Visualization A ternary plot showing PAY's balance between Growth (42.7%), Profitability (24.8%), and Safety (32.6%). Growth 43% Safety 33% Profitability 25%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

85th percentile vs peers
85
Key Signals
Rev Growth YoY 37.2% 87p Revenue CAGR 3Y 34.0% 81p
Strengths
  • Growth performance in top 20% of peers (percentile: 85)
  • Rev Growth Yoy in top 20% of peers (37.2%, 87th percentile)
  • Revenue Cagr 3Y in top 20% of peers (34.0%, 81th percentile)
  • Current Ratio in top 20% of peers (4.46, 88th percentile)
  • Cash To Debt Ratio in top 20% of peers (28.43, 92th percentile)
Risks

No significant risks identified for this axis.

Profitability

49th percentile vs peers
49
Key Signals
Strengths
Risks
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Safety

65th percentile vs peers
65
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for Paymentus Holdings, Inc..

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$39.45
- - -
+61.7% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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