Paymentus/$PAY
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About Paymentus
Paymentus Holdings Inc provides electronic bill presentment and payment services, enterprise customer communication and self-service revenue management to billers and financial institutions through a Software-as-a-Service, (SaaS), secure, omni-channel technology platform. The platform integrates into a biller's core financial and operating systems to provide flexible and secure access to payment processing of credit cards, debit cards, eChecks and digital wallets across a number of channels including online, mobile, IVR, call center, chatbot and voice-based assistants. The Company generates revenue from payment transaction fees processed through the Company's platform. The fees are generated as a percentage of transaction value or a specified fee per transaction.
Ticker
$PAY
Sector
Primary listing
NYSE
Employees
1,307
Headquarters
Website
Paymentus Metrics
BasicAdvanced
$4.1B
74.85
$0.44
1.54
-
Price and volume
Market cap
$4.1B
Beta
1.54
52-week high
$40.43
52-week low
$19.53
Average daily volume
888K
Financial strength
Current ratio
4.563
Quick ratio
4.394
Long term debt to equity
1.124
Total debt to equity
1.557
Profitability
EBITDA (TTM)
66.939
Gross margin (TTM)
25.29%
Net profit margin (TTM)
5.37%
Operating margin (TTM)
5.54%
Effective tax rate (TTM)
16.13%
Revenue per employee (TTM)
$800,000
Management effectiveness
Return on assets (TTM)
6.36%
Return on equity (TTM)
11.59%
Valuation
Price to earnings (TTM)
74.849
Price to revenue (TTM)
3.932
Price to book
7.98
Price to tangible book (TTM)
13.69
Price to free cash flow (TTM)
51.142
Free cash flow yield (TTM)
1.96%
Free cash flow per share (TTM)
0.643
Growth
Revenue change (TTM)
49.35%
Earnings per share change (TTM)
69.57%
3-year revenue growth (CAGR)
32.76%
3-year earnings per share growth (CAGR)
145.33%
What the Analysts think about Paymentus
Analyst ratings (Buy, Hold, Sell) for Paymentus stock.
Bulls say / Bears say
Q2 2025 revenue climbed 41.9% year-over-year to $280.08 million, far above the $262.30 million analyst estimate, highlighting strong demand for Paymentus’s SaaS bill-payment platform.
Adjusted EBITDA jumped 40.7% year-over-year to $31.7 million, delivering a 33.9% margin and showing improved profitability and strong operational leverage.
Management increased Q3 revenue guidance to $278–282 million (versus $271.8 million consensus) and raised its full-year outlook to $1.123–1.132 billion (versus $1.100 billion consensus), signaling confidence in ongoing growth.
Q2 revenue growth of 41.9% year-over-year is slower than Q1’s 48.9% increase, indicating a loss of momentum in Paymentus's platform business.
Gross profit grew only 21.7% year-over-year in Q2, well below the 41.9% revenue climb, suggesting possible margin pressure from rising costs.
Paymentus shares are trading at about 44 times next-12-month earnings, which is a high valuation and could pose a risk if growth falters.
Data summarised monthly by Lightyear AI. Last updated on 1 Sept 2025.
Paymentus Financial Performance
Revenues and expenses
Paymentus Earnings Performance
Company profitability
Paymentus News
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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.
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FAQs
What’s the current market cap for Paymentus stock?
Paymentus (PAY) has a market cap of $4.1B as of September 15, 2025.
What is the P/E ratio for Paymentus stock?
The price to earnings (P/E) ratio for Paymentus (PAY) stock is 74.85 as of September 15, 2025.
Does Paymentus stock pay dividends?
No, Paymentus (PAY) stock does not pay dividends to its shareholders as of September 15, 2025.
When is the next Paymentus dividend payment date?
Paymentus (PAY) stock does not pay dividends to its shareholders.
What is the beta indicator for Paymentus?
Paymentus (PAY) has a beta rating of 1.54. This means that it is more volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 2 would indicate the stock moves twice as much as the market.