# Paymentus Holdings Inc. (PAY) fundamentals

Data as of 2026-11-04. NYSE, United States. Sector: Technology / Software. Price $31.02, market value $3.9 billion.

## Valuation
- **P/E (trailing): 42.5×** (5-yr avg 209.1×, 3-yr avg 84.5×). Paymentus Holdings Inc. trades at 42.5× trailing earnings, well below its own five-year average of 209.1×: cheap by its own standards. The Technology median in the September 2026 study was 32.1×. Forward P/E is 28.7×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.59**. A PEG of 0.59 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 2.9×**. Each dollar of revenue is priced at 2.9×.
- **Price / book: 6.1×**. The shares trade at 6.1× book value; most of the value is in earnings power and intangibles rather than the balance sheet.
- **Free-cash-flow yield: 4.1%** (5-yr avg 2.2%). Free cash flow equals 4.1% of the market value, above its five-year average of 2.2%, so the shares are cheaper on cash than they have usually been.
- **Earnings yield: 2.4%**. The inverse of the P/E: 2.4% of the price is earned each year.

## Profitability
- **Gross margin: 24.9%**. Paymentus Holdings Inc. keeps 24.9% of revenue after the direct cost of what it sells, a thin margin typical of retail, distribution and commodity businesses.
- **Operating margin: 7.6%**. 7.6% of revenue is left after running the business.
- **Net margin: 5.6%**. 5.6% of each dollar of sales reaches the bottom line.
- **Return on equity: 11.9%**. 11.9% on shareholders' equity is solid.
- **Return on assets: 12.7%**. Each dollar of assets produces 12.7% of profit.

## Growth
- **Revenue growth (1 yr): 37.3%** (3-yr 34.0%/yr, 5-yr 31.7%/yr). Revenue grew 37.3% over the last year, against 31.7% a year compounded over five years.
- **EPS growth (1 yr): 48.6%** (5-yr 45.4%/yr). Earnings per share rose 48.6%, faster than revenue, so margins expanded or the share count shrank.
- **Free-cash-flow growth (3 yr): 105.6%/yr**. Free cash flow has compounded at 105.6% a year over three years.

## Financial health
- **Current ratio: 4.46** (quick 4.46). Current assets cover the next year's liabilities 4.46 times.
- **Altman Z-score: 25.76**. A Z-score of 25.76 places the company in the safe zone for bankruptcy risk.
- **Piotroski F-score: 6/9**. 6 of 9 checks pass: mixed.

## Dividends
- **Dividend: none**. Paymentus Holdings Inc. does not currently pay a dividend.

## Analyst view
- **Analyst consensus: buy** (7 analysts). 7 analysts cover Paymentus Holdings Inc.; the consensus is buy, with an average price target of $40.14 (+29% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 8.4%** (YTD -1.8%, 3-mo -30.4%). The shares are up 8.4% over twelve months including dividends.
- **From 52-week high: -31.5%** (54.3% above the low). Trading 32% below its 52-week high, deep in a drawdown.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 44**. An RSI of 44 is neutral.
- **Beta (1 yr): 0.73** (volatility 64%). Beta of 0.73 against the S&P 500: the shares move roughly with the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=PAY · Page: https://foliofundamentals.com/stocks/pay

Not investment advice.