PAY

Company Overview — What Does Paymentus Holdings, Inc. Do?

Paymentus Holdings, Inc. provides cloud-based bill payment technology and solutions. The company offers electronic bill presentment and payment services, enterprise customer communication, and self-service revenue management to billers through a software-as-a-service technology platform. The company serves utility, financial service, insurance, government, telecommunication, and healthcare industries. The company was founded in 2004 and is based in Redmond, Washington. Paymentus Holdings, Inc. (PAY) is classified as a mid-cap stock in the Industrials sector, specifically within the Business Services industry. The company is led by CEO Dushyant Sharma and employs approximately 1,260 people. With a market capitalization of $3.1B, PAY is one of the notable companies in the Industrials sector.

Paymentus Holdings, Inc. (PAY) Stock Rating — Hold (April 2026)

As of April 2026, Paymentus Holdings, Inc. receives a Hold rating with a composite score of 42.5/100 and 3 out of 5 stars from the Blank Capital Research quantitative model.PAY ranks #1,948 out of 4,446 stocks in our coverage universe. Within the Industrials sector, Paymentus Holdings, Inc. ranks #302 of 752 stocks, placing it in the upper half of its Industrials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

PAY Stock Price and 52-Week Range

Paymentus Holdings, Inc. (PAY) currently trades at $24.36. The stock lost $0.60 (2.4%) in the most recent trading session. The 52-week high for PAY is $40.43, which means the stock is currently trading -39.8% from its annual peak. The 52-week low is $22.02, putting the stock 10.6% above its annual trough. Recent trading volume was 278K shares, suggesting relatively thin trading activity.

Is PAY Overvalued or Undervalued? — Valuation Analysis

Paymentus Holdings, Inc. (PAY) carries a value factor score of 49/100 in the Blank Capital model, indicating fair valuation relative to historical norms. The trailing price-to-earnings ratio is 51.51x, compared to the Industrials sector average of 28.33x — a premium of 82%. The price-to-book ratio stands at 5.58x, versus the sector average of 2.23x. The price-to-sales ratio is 2.85x, compared to 0.50x for the average Industrials stock. On an enterprise value basis, PAY trades at 48.58x EV/EBITDA, versus 5.70x for the sector.

Overall, PAY's valuation appears roughly in line with sector benchmarks, suggesting the market is pricing the stock fairly given its current fundamentals and growth trajectory. Neither deep value nor significantly overpriced, the stock occupies a middle ground on valuation.

Paymentus Holdings, Inc. Profitability — ROE, Margins, and Quality Score

Paymentus Holdings, Inc. (PAY) earns a quality factor score of 50/100, indicating solid business quality with consistent operational execution. The return on equity (ROE) is 10.8%, compared to the Industrials sector average of 8.9%, which is within a healthy range. Return on assets (ROA) comes in at 9.1% versus the sector average of 3.3%.

On a margin basis, Paymentus Holdings, Inc. reports gross margins of 24.9%, compared to 35.8% for the sector. The operating margin is 5.7% (sector: 6.2%). Net profit margin stands at 5.6%, versus 3.9% for the average Industrials stock. Revenue growth is running at 57.4% on a trailing basis, compared to 6.4% for the sector. The overall profitability profile is adequate, though there may be room for margin expansion.

PAY Debt, Balance Sheet, and Financial Health

Paymentus Holdings, Inc. has a debt-to-equity ratio of 19.0%, compared to the Industrials sector average of 70.0%. The low leverage indicates a conservative balance sheet with significant financial flexibility. The current ratio is 4.46x, indicating strong short-term liquidity. Total debt on the balance sheet is $0. Cash and equivalents stand at $288M.

PAY has a beta of 1.07, meaning it is roughly in line with the broader market in terms of price volatility. The stability factor score for Paymentus Holdings, Inc. is 49/100, reflecting average volatility within the normal range for its sector.

Paymentus Holdings, Inc. Revenue and Earnings History — Quarterly Trend

In TTM 2026, Paymentus Holdings, Inc. reported revenue of $1.10B and earnings per share (EPS) of $0.53. Net income for the quarter was $61M. Gross margin was 24.9%. Operating income came in at $64M.

In FY 2025, Paymentus Holdings, Inc. reported revenue of $1.20B and earnings per share (EPS) of $0.53. Net income for the quarter was $67M. Gross margin was 24.8%. Revenue grew 37.3% year-over-year compared to FY 2024. Operating income came in at $76M.

In Q3 2025, Paymentus Holdings, Inc. reported revenue of $311M and earnings per share (EPS) of $0.14. Net income for the quarter was $18M. Gross margin was 24.1%. Revenue grew 34.2% year-over-year compared to Q3 2024. Operating income came in at $20M.

In Q2 2025, Paymentus Holdings, Inc. reported revenue of $280M and earnings per share (EPS) of $0.12. Net income for the quarter was $15M. Gross margin was 25.5%. Revenue grew 41.9% year-over-year compared to Q2 2024. Operating income came in at $16M.

Over the past 8 quarters, Paymentus Holdings, Inc. has demonstrated a growth trajectory, with revenue expanding from $197M to $1.10B. Investors analyzing PAY stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

PAY Dividend Yield and Income Analysis

Paymentus Holdings, Inc. (PAY) does not currently pay a dividend. This is common among smaller companies in the Business Services industry that prefer to reinvest cash flows into business expansion rather than returning capital to shareholders. Income-focused investors looking for Industrials dividend stocks may want to explore other Industrials stocks or use the stock screener to filter by dividend yield.

PAY Momentum and Technical Analysis Profile

Paymentus Holdings, Inc. (PAY) has a momentum factor score of 30/100, signaling weak relative price performance. Stocks with low momentum scores have historically tended to continue underperforming in the near term. The investment factor score is 22/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 56/100 reflects moderate short selling activity.

PAY vs Competitors — Industrials Sector Ranking and Peer Comparison

Within the Industrials sector, Paymentus Holdings, Inc. (PAY) ranks #302 out of 752 stocks based on the Blank Capital composite score. This places PAY in the upper half of all Industrials stocks in our coverage universe. Key competitors and sector peers include South Bow Corp (SOBO) with a score of 56.5/100, TSAKOS ENERGY NAVIGATION LTD (TEN) with a score of 61.4/100, Great Lakes Dredge & Dock CORP (GLDD) with a score of 56.7/100, Tri Pointe Homes, Inc. (TPH) with a score of 57.3/100, and Clear Channel Outdoor Holdings, Inc. (CCO) with a score of 52.2/100.

Comparing PAY against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full PAY vs S&P 500 (SPY) comparison to assess how Paymentus Holdings, Inc. stacks up against the broader market across all factor dimensions.

PAY Next Earnings Date

No upcoming earnings date has been announced for Paymentus Holdings, Inc. (PAY) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy PAY? — Investment Thesis Summary

Paymentus Holdings, Inc. presents a balanced picture with arguments on both sides. Momentum is weak at 30/100, a headwind for near-term performance.

In summary, Paymentus Holdings, Inc. (PAY) earns a Hold rating with a composite score of 42.5/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on PAY stock.

Related Resources for PAY Investors

Explore more research and tools: PAY vs S&P 500 comparison, top Industrials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare PAY head-to-head with peers: PAY vs SOBO, PAY vs TEN, PAY vs GLDD.