Stock AnalizPaymentus Holdings, Inc. PAY
Business Services · IPO 2021 · data as of November 13, 2026
Paymentus Holdings, Inc. (PAY) is a consumer discretionary company listed in the US with a market value of about $4.3B. In the twelve months to September 30, 2026 it had revenue of $1.4B and net income of $95M, a net margin of 6.7%.
Its overall Stock Analiz score is 2.8 out of 5 (average). The strongest part is future growth (5/5); the weakest is value (1/5).
Key numbers: a P/E of 47.1, a price to free cash flow of 25.9, 5-year revenue growth of 32% a year, a 5-year average ROIC of 5%. A discounted cash flow model with moderate assumptions puts its intrinsic value about 41% below the current price.
Score: 2.8 / 5
Checks passed
- PEG below 1.5
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- Profit margin improving
- 3-year free cash flow growth above 10% a year
- Strong R&D investment or growth above 20%
- 5-year EPS growth above 10% a year
- 5-year revenue growth above 8% a year
Checks not passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- Price below intrinsic value (DCF, moderate assumptions)
- 5-year average ROIC above 12%
- Profitable 5 years in a row
- ROE above 15%
- Pays a dividend
Valuation
Growth and quality
Financials, last 7 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $1.4B | $1.2B | $872M | $614M | $497M | $396M | $302M | $236M |
| Net income | $95M | $67M | $44M | $22M | -$513000 | $9M | $14M | $14M |
| Free cash flow | $168M | $162M | $63M | $68M | $19M | $19M | $35M | $16M |
| EPS (diluted) | $0.73 | $0.52 | $0.35 | $0.18 | $0.00 | $0.06 | $0.08 | $0.08 |
| Net margin | 6.7% | 5.6% | 5.1% | 3.6% | -0.1% | 2.4% | 4.5% | 5.8% |
| ROIC | — | 10.4% | 7.4% | 3.6% | -0.6% | 2.4% | 14.8% | 19.9% |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 6 analysts is $41.17, 20% above the current price; targets range from $37.00 to $46.00; the consensus rating is “Buy”; expected EPS is $0.95 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is Paymentus’s P/E ratio?
About 47.1, based on the last twelve months of diluted earnings per share (forward P/E about 33.5).
Is Paymentus stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 41% below the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Paymentus pay a dividend?
Not currently.
Is Paymentus a good stock to buy?
We do not give buy or sell advice. Paymentus scores 2.8 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.