Paymentus/$PAY
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
About Paymentus
Paymentus Holdings Inc provides electronic bill presentment and payment services, enterprise customer communication and self-service revenue management to billers through a Software-as-a-Service (SaaS), secure, omni-channel technology platform. The platform integrates with a biller's financial and operational systems to provide secure and flexible processing of payments, including credit cards, debit cards, eChecks, and digital wallets, across multiple channels such as online, mobile, IVR, call centers, chatbots, and voice-based assistants. The company generates the majority of its revenue from payment transaction fees processed through its platform. Geographically, it derives the maximum revenue from the United States.
- Ticker
- $PAY
- Sector
- Finance
- Primary listing
- NYSE
- Employees
- 1,340
- Headquarters
- Addison, United States
- Website
- www.paymentus.com
Paymentus Metrics
BasicAdvanced
$4.1B
49.74
$0.66
1.31
-
Price and volume
Market cap
$4.1B
Beta
1.31
52-week high
$45.31
52-week low
$20.11
Average daily volume
942K
Financial strength
Current ratio
4.886
Quick ratio
4.787
Long term debt to equity
0.012
Total debt to equity
0.017
Profitability
EBITDA (TTM)
108.233
Gross margin (TTM)
24.95%
Net profit margin (TTM)
6.24%
Operating margin (TTM)
7.58%
Effective tax rate (TTM)
25.47%
Revenue per employee (TTM)
$1,020,000
Management effectiveness
Return on assets (TTM)
9.65%
Return on equity (TTM)
15.02%
Valuation
Price to earnings (TTM)
49.738
Price to revenue (TTM)
3.03
Price to book
6.74
Price to tangible book (TTM)
10.37
Price to free cash flow (TTM)
33.956
Free cash flow yield (TTM)
2.94%
Free cash flow per share (TTM)
0.967
Growth
Revenue change (TTM)
30.21%
Earnings per share change (TTM)
50.12%
3-year revenue growth (CAGR)
34.62%
3-year earnings per share growth (CAGR)
129.03%
What the Analysts think about Paymentus
Analyst ratings (Buy, Hold, Sell) for Paymentus stock.
Analyst projections of the future price of Paymentus stock.
Bulls say / Bears say
Second-quarter revenue rose 28.8% and transactions grew 21.4%, with new biller implementations and higher activity from existing clients driving the gains. This points to strong demand for Paymentus’s core platform. (Paymentus)
Adjusted EBITDA rose 54% to a record margin of 41.3%, while net income increased 73.8%. Profit is growing faster than sales, suggesting the platform is delivering operating leverage as it scales. (Paymentus)
Paymentus’s move to Premier status in Guidewire’s partner programme strengthens its route into the insurance market. The integration spans premium billing, claims payouts and policyholder servicing, giving the company more ways to win business through an established industry ecosystem. (Paymentus)
Baird cut its rating to Neutral after the shares rose 82% from their June low, arguing that the valuation had become demanding. If growth disappoints, a premium multiple leaves room for a sharp share-price reset. (Investing.com)
Contribution margin fell to 32.7% from 33.4% a year earlier as Paymentus added more large, high-volume enterprise clients. These customers can bring lower per-transaction economics, putting pressure on margins even as total profit grows. (The Motley Fool)
Paymentus says financial strain could lead customers to defer bills or switch to cheaper payment methods, reducing revenue per transaction. More partial payments could also increase processing costs, potentially eroding margins and leaving revenue growth flat. (SEC)
Data summarised monthly by Lightyear AI. Last updated on 25 Oct 2026.
Paymentus Financial Performance
Revenues and expenses
Paymentus Earnings Performance
Company profitability
Upcoming events
No upcoming events
Paymentus News
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Funds containing Paymentus
Fund name | Fund size | $PAY weighting |
|---|---|---|
iShares Digitalisation$DGTL | $761M | 0.08% |
iShares Digitalisation£DGIT | $813M | 0.08% |
SPDR Russell 2000 US Small Cap€R2US | $5.3B | 0.07% |
SPDR Russell 2000 US Small Cap£R2SC | $5.3B | 0.07% |
iShares MSCI World Small Cap€IUSN | $9B | 0.02% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.