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PAY Stock Chart & Stats
$28.87
$2.61(9.04%)
At close: 4:00 PM EDT
$28.87
$2.61(9.04%)
Day’s Range― - ―
52-Week Range$20.11 - $39.38
Previous Close$31.48
Volume1.10M
Average Volume (3M)1.23M
Market Cap
$4.62B
Enterprise Value$2.95K
Total Cash (Recent Filing)$342.13M
Total Debt (Recent Filing)$6.63M
Price to Earnings (P/E)57.9
Beta1.25
Next Earnings
Aug 03, 2026EPS Estimate
0.19Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.59
Shares Outstanding62,936,500
10 Day Avg. Volume740,564
30 Day Avg. Volume1,229,260
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$35.25Price Target Upside22.10% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering4
EPS Forecast (FY)0.83
Revenue Forecast (FY)$1.43B
Bulls Say, Bears Say
Bulls Say
Sustained Revenue Growth And Raised GuidancePaymentus has demonstrable multi-year top-line expansion and management reaffirmed higher guidance, signaling durable demand for its bill‑payment platform. Consistent high single‑digit to double‑digit revenue growth and raised targets provide a multi‑quarter growth runway driven by increased transactions and customer wins.
Very Conservative Balance Sheet And Cash PositionThe company’s strong liquidity and negligible leverage materially reduce refinancing and interest‑rate risk, preserving optionality for investments or M&A. A robust cash base combined with improved ROE supports strategic flexibility through 2–6 months and cushions near‑term working capital swings.
Strategic Product Innovation With Early TractionIntroducing a patented, AI‑native payments suite creates a durable competitive advantage: faster payments, improved UX, and a path to monetize interchange. Early organic adoption without marketing suggests product stickiness and the potential to lift take‑rates and margin mix over the medium term.
Bears Say
Contribution And Gross Margin PressureMargin compression from customer and payment‑mix shifts is a structural risk to profitability sustainability. If enterprise or lower‑take‑rate volumes persist, it could cap operating‑margin upside and require either further scale, pricing changes, or cost reductions to maintain current margin progress over coming quarters.
Free Cash Flow Volatility And Recent DeclineAlthough current cash generation is solid, the recent decline and historical intermittence in free cash flow highlight timing risk from working capital and onboarding. This variability can constrain reinvestment pacing, M&A execution, and the company’s ability to smooth investments without dipping into liquidity.
Interchange Expense ExposureRising interchange costs are a structural margin headwind until the company successfully monetizes them. Converting interchange into durable revenue requires sustained product adoption and pricing power; failure or slow conversion would press contribution margins and limit long‑term margin recovery.
Paymentus Holdings News
PAY FAQ
What was Paymentus Holdings, Inc.’s price range in the past 12 months?
Paymentus Holdings, Inc. lowest stock price was $20.11 and its highest was $39.38 in the past 12 months.
What is Paymentus Holdings, Inc.’s market cap?
Paymentus Holdings, Inc.’s market cap is $4.62B.
When is Paymentus Holdings, Inc.’s upcoming earnings report date?
Paymentus Holdings, Inc.’s upcoming earnings report date is Aug 03, 2026 which is in 2 days.
How were Paymentus Holdings, Inc.’s earnings last quarter?
Paymentus Holdings, Inc. released its earnings results on May 04, 2026. The company reported $0.21 earnings per share for the quarter, beating the consensus estimate of $0.176 by $0.034.
Is Paymentus Holdings, Inc. overvalued?
According to Wall Street analysts Paymentus Holdings, Inc.’s price is currently Undervalued.
Does Paymentus Holdings, Inc. pay dividends?
Paymentus Holdings, Inc. does not currently pay dividends.
What is Paymentus Holdings, Inc.’s EPS estimate?
Paymentus Holdings, Inc.’s EPS estimate is 0.19.
How many shares outstanding does Paymentus Holdings, Inc. have?
Paymentus Holdings, Inc. has 62,936,500 shares outstanding.
What happened to Paymentus Holdings, Inc.’s price movement after its last earnings report?
Paymentus Holdings, Inc. reported an EPS of $0.21 in its last earnings report, beating expectations of $0.176. Following the earnings report the stock price went down -7.827%.
Which hedge fund is a major shareholder of Paymentus Holdings, Inc.?
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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Analyst Consensus
Moderate Buy
Average Price Target:
$35.25 (22.10% Upside)
$35.25 (22.10% Upside)
Blogger Sentiment
Bullish
PAY Sentiment 70%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 2.3M Shares
Last Quarter.
Last Quarter.
Crowd Wisdom
Negative
Last 7 Days ▲ 0.5%
Last 30 Days ▼ 2.1%
Last 30 Days ▼ 2.1%
News Sentiment
Bullish
Bullish news 80%
Bearish news 20%
Bearish news 20%
Technicals
SMA
Positive
20 days / 200 days
Momentum
9.99%
12-Months-Change
Fundamentals
Return on Equity
―
Trailing 12-Months
Asset Growth
18.23%
Trailing 12-Months
Company Description
Paymentus Holdings, Inc.
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
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call presented strong, broad-based operational and financial outperformance: record revenue, accelerating transaction growth, materially higher adjusted EBITDA, improved per-transaction economics, raised full-year guidance, a healthy balance sheet with no debt, and the launch of a potentially transformative, patented AI-native product (Billio/Bill Wallet) with early organic traction. Near-term challenges include contribution margin compression from mix shifts, higher operating expenses as the company invests in growth, temporary free cash flow pressure due to working-capital timing, modest Q2 conservatism tied to seasonality and onboarding timelines, and ongoing interchange expense exposure that management aims to monetize over time. Overall, the positives substantially outweigh the manageable near-term headwinds.View all PAY earnings summariesPAY Stock 12 Month Forecast
Average Price Target
$35.25
▲(22.10% Upside)
Technical Analysis
Ownership Overview
17.44% Insiders
41.07% Mutual Funds
10.15% Other Institutional Investors
17.17% Public Companies and
Individual Investors