PAY — Paymentus Holdings Inc
NYSE · Financial Services · Financial Services
- Latest Close
- $26.99
- 30-Day Move
- -12.3%
- Market Cap
- $3.2B
- Shares Outstanding
- 125,720,000
- P/E Ratio
- 47.1
- P/B Ratio
- 7.07
Paymentus Holdings Inc
A read-only Alphactor snapshot forPaymentus Holdings Inc. It uses the same research structure as the app, but with delayed data and shallow depth so search visitors can evaluate the stock before signing up.
Snapshot as of2026-04-23
Topline snapshot
Latest Close
$26.99
30-Day Move
-12.3%
Market Cap
$3.2B
Shares Outstanding
125,720,000
P/E Ratio
47.1
P/B Ratio
7.07
$26.99
-12.3%last 90 delayed daily bars
90D High
$31.91
90D Low
$22.02
Avg Volume
677,599
Gross margin is running at 24.8%, which gives a quick read on operating quality before you open the full model.
Net margin is 5.6%, useful for comparing PAY against peers in Financial Services.
PAY is down 12.3% over the last 30 trading days shown on this page.
Latest operating income is $24M, which helps anchor the headline ratios with an actual earnings figure.
Composite Fair Value
$36.10
Rule of 40
47.7%
Latest Close
$26.99
30-Day Move
-12.3%
Market Cap
$3.2B
Shares Outstanding
125,720,000
P/E Ratio
47.1
P/B Ratio
7.07
ROE
11.9%
ROA
10.0%
Gross Margin
24.8%
Operating Margin
6.3%
Net Margin
5.6%
Debt / Equity
0
Current Ratio
4.46
Latest Revenue
$330M
Revenue
$330M
Gross Profit
$84M
Operating Income
$24M
Net Income
$21M
Gross Margin
2477.0%
Net Margin
559.0%
Current Ratio
4.46
Debt / Equity
0.00
Fair Value
$36.10
Upside / Downside
+33.7%
Signal
Undervalued
Implied Growth
8.0%
DCF
$52.83
EPV
$5.38
EV/Rev
$50.08
Growth Assumption
34.0%
Discount Rate
9.0%
Terminal Growth
2.0%
Base FCF
$125M
Valuation spread
After signup
The full valuation workspace goes deeper
Adjust DCF growth, discount, and terminal assumptions instead of relying on one static snapshot.
Open the deeper balance-sheet and cash-flow views to inspect debt, liquidity, and cash generation line by line.
Compare multiple valuation models against peers and save your own thesis instead of re-reading a fixed public state.
Low growth priced in
Altman Z
20.73
Safe
Piotroski
8
Strong (7-9)
Cash Conversion
2.42x
Rule of 40
47.7%
Strong
Annual performance mix
| Period | Revenue | Operating Income | Net Income | Free Cash Flow |
|---|---|---|---|---|
| 2022-12-31 | $497M | $-3M | $-513,000 | $-11M |
| 2023-12-31 | $614M | $18M | $22M | $35M |
| 2024-12-31 | $872M | $45M | $44M | $27M |
| 2025-12-31 | $1.2B | $76M | $67M | $125M |
After signup
The app opens the full statement deep dive
Extend the history well beyond this public snapshot to inspect longer cycles and regime changes.
Move from summary lines into detailed balance-sheet and cash-flow rows for working capital, debt, and capex analysis.
Cross-link statement changes with alerts, watchlists, and saved research workflows after signup.
Two Sigma Advisers
Filed 2025-11-14
--
--
Vanguard Group
Filed 2026-01-29
$139M
+20.7%
Invesco
Filed 2025-11-13
$116M
+115.8%
Citadel Advisors
Filed 2026-02-17
$26M
--
Geode Capital Management
Filed 2026-02-09
$21M
+24.1%
FMR LLC (Fidelity)
Filed 2026-02-17
$15M
-15.1%
For informational and educational purposes only. Not financial advice. Learn more
Related reading
Research and strategy guides from the alphactor blog.
Bank Stocks and Interest Rates
Why the simplistic 'higher rates help banks' narrative breaks down, and how to analyze financial stocks through net interest margin, credit quality, and the…
Accruals Quality: How to Spot Earnings That Aren't Real
Accruals measure the gap between reported earnings and actual cash. Widening accruals is one of the most reliable red flags in financial analysis — Sloan's…
Altman Z-Score: A Bankruptcy Predictor That Still Works
Edward Altman's 1968 discriminant model predicts bankruptcy within two years about 72% of the time at its distress threshold.