Stocks · Technology · Software - Infrastructure
Paymentus Holdings, Inc. PAY
$30.83 +0.06% Close, Oct 2, 2026 · NYSE · Market cap $3.87B
Strong growth
Next earnings report: Nov 2, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Earnings beat analyst estimates in each of the last 14 quarters (average surprise over the last four: +18.4%).
- Diluted EPS over the last four quarters was $0.66, up 53.5% year over year.
- The shares trade at 46.7× trailing earnings, lower than 95% of the company's own readings over the past five years.
PromtFinance scores
Each score is a percentile within the Technology sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 19%
- EPS growth (TTM, YoY)Top 30%
- FCF growth (TTM, YoY)Top 17%
- Revenue growth, 3-year CAGRTop 8%
- Revenue growth accelerationBottom 20%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 20%
- Gross marginBottom 17%
- Operating marginTop 43%
- Cash conversion (OCF / net income)Top 44%
- Accruals (lower is better)Top 35%
- Net debt / EBITDA (lower is better)Top 15%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 38%
- Free-cash-flow yieldTop 39%
- EBITDA / enterprise valueTop 42%
- Sales / enterprise valueTop 35%
- P/E vs own 5-year history (lower is better)Top 14%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 39%
- 6-month returnBottom 48%
- 1-year return vs S&P 500Bottom 47%
- Distance from 52-week highBottom 47%
- Trend checklist (0–4)Bottom 40%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 30%
- Consecutive EPS beatsTop 9%
- Share of analysts rating BuyBottom 6%
- Upside to consensus price targetTop 46%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 27%
- Maximum drawdown, 3 yearsTop 26%
- Beta vs S&P 500 (lower is better)Top 36%
- Net debt / EBITDA (lower is better)Top 15%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 33.0% | 30.2% | ↓ |
| EPS growth (YoY) | 46.2% | 53.5% | ↑ |
| Gross margin | 25.3% | 24.9% | ↓ |
| Operating margin | 5.5% | 7.6% | ↑ |
| FCF margin | 8.5% | 11.7% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 30.2% | 33.0% | ↓ | Top 19% |
| EPS growth (TTM, YoY) | 53.5% | 46.2% | ↑ | Top 30% |
| Gross margin | 24.9% | 25.3% | ↓ | Bottom 17% |
| Operating margin | 7.6% | 5.5% | ↑ | Top 43% |
| Net margin | 6.2% | 5.4% | ↑ | — |
| Free-cash-flow margin | 11.7% | 8.5% | ↑ | — |
| Return on invested capital | 12.3% | — | Top 20% | |
| Revenue growth, 3-year CAGR | 34.0% | — | Top 8% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.88×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -10.3%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 1.7%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -23.9 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -2.58×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.00%
- Net buyback yield (TTM)
- -0.00%
- Shareholder yield
- -0.00%
- Share count change, 1 year
- -0.0%
- Share count change, 3-year CAGR
- +1.3%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 4, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 14
- Beats in the last 8 reports
- 8 of 8
- Average EPS surprise, last 4
- +18.4%
- Average 2-day reaction, last 8
- -0.8%
- Positive 20 days after report
- 5 of 8
Analysts
- Consensus price target
- $40.00
- Target vs current price
- +29.7%
- Analysts with a rating
- 11
- Share rating Buy or Strong Buy
- 27%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Aug 3, 2026 | +32.6% | +1.2% | +13.1% | +5.5% | — |
| May 4, 2026 | +23.5% | +3.1% | -4.0% | -12.6% | +32.2% |
| Feb 23, 2026 | +11.1% | -5.9% | -5.6% | -6.2% | -5.7% |
| Nov 3, 2025 | +6.3% | +0.0% | +31.0% | +20.7% | -3.9% |
| Aug 4, 2025 | +7.1% | +3.7% | +19.9% | +37.6% | +10.9% |
| May 5, 2025 | +7.7% | -1.2% | +6.6% | +14.9% | -19.5% |
| Mar 10, 2025 | +8.3% | -6.4% | +12.5% | -8.5% | +46.9% |
| Nov 12, 2024 | +66.7% | -0.6% | +31.5% | +19.9% | +20.6% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Aug 3, 2026 | $0.25 | $0.19 | +32.6% | $360.7M |
| May 4, 2026 | $0.21 | $0.17 | +23.5% | $358.4M |
| Feb 23, 2026 | $0.20 | $0.18 | +11.1% | $330.5M |
| Nov 3, 2025 | $0.17 | $0.16 | +6.3% | $310.7M |
| Aug 4, 2025 | $0.15 | $0.14 | +7.1% | $280.1M |
| May 5, 2025 | $0.14 | $0.13 | +7.7% | $275.2M |
| Mar 10, 2025 | $0.13 | $0.12 | +8.3% | $257.9M |
| Nov 12, 2024 | $0.15 | $0.09 | +66.7% | $231.6M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 46.7× | 90.6× | 5th | Top 38% |
| P/E (forward) | 33.6× | — | — | — |
| EV / EBITDA | 24.4× | — | — | Top 42% |
| EV / Sales | 2.57× | — | — | Top 35% |
| Free-cash-flow yield | 4.11% | — | — | Top 39% |
| Earnings yield | 2.14% | — | — | Top 38% |
P/E over the past five years
Range 46.3× – 392.5× since Dec 31, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +0.6%
- Earnings per share growth (TTM)
- +53.5%
- Change in P/E multiple
- -11.5%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 61
- 50-day average slope (20 days)
- +7.2%
- 200-day average slope (20 days)
- -0.2%
- Distance from 50-day average
- -14.5%
- Distance from 200-day average
- +7.7%
- RSI (14)
- 37.2
- Relative volume
- 1.02×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 78.7%
- Volatility vs own 5-year history
- 83th percentile · High for this stock
- Beta vs S&P 500 (2 years, weekly)
- 1.22
- Correlation with S&P 500
- 0.30
- Current drawdown from 1-year high
- -30.9%
- Maximum drawdown, 3 years
- -49.3%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Jul 6, 2021 | Dec 28, 2022 | -80.8% | 374 days | 477 days (Nov 20, 2024) |
| May 19, 2025 | Jun 22, 2026 | -49.3% | 273 days | 30 days (Aug 4, 2026) |
| Dec 2, 2024 | Apr 4, 2025 | -37.1% | 84 days | 28 days (May 15, 2025) |
| Aug 4, 2026 | Sep 28, 2026 | -32.9% | 38 days | Not yet recovered |
| Jun 2, 2021 | Jun 8, 2021 | -17.0% | 4 days | 11 days (Jun 23, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $3.87B
- P/E (TTM)
- 46.7
- EPS, diluted (TTM)
- $0.66
- Revenue (TTM)
- $1.36B
- 52-week range
- $20.11 – $45.31
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $395.5M | $497.0M | $614.5M | $871.7M | $1.20B |
| Gross profit | $121.4M | $149.7M | $182.3M | $238.2M | $296.3M |
| Operating income | $10.4M | -$3.0M | $18.1M | $44.9M | $75.5M |
| Net income | $9.3M | -$513,000 | $22.3M | $44.2M | $66.9M |
| EPS (diluted) | $0.06 | -$0.00 | $0.18 | $0.35 | $0.52 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $231.6M | $257.9M | $275.2M | $280.1M | $310.7M | $330.5M | $358.4M | $360.7M |
| Net income | $14.4M | $13.1M | $13.8M | $14.7M | $17.7M | $20.7M | $20.9M | $25.6M |
| EPS (diluted) | $0.11 | $0.10 | $0.11 | $0.11 | $0.14 | $0.16 | $0.16 | $0.20 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $19.5M | $19.9M | $68.8M | $63.6M | $162.1M |
| Capital expenditure | -$20.4M | -$31.3M | -$34.3M | -$457,000 | -$361,000 |
| Free cash flow | -$916,000 | -$11.4M | $34.5M | $63.2M | $161.8M |
| Dividends paid | $0 | $0 | $0 | $0 | $0 |
| Net share buybacks | $274.6M | $0 | $0 | $338,000 | $162,000 |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $379.7M
- Total assets
- $725.4M
- Total liabilities
- $112.0M
- Total debt
- $8.8M
- Net debt
- -$370.9M
- Shareholders’ equity
- $613.4M
As of Jun 30, 2026 (filed Aug 4, 2026).
Short interest
- Shares sold short
- 3,292,456
- Days to cover
- 3.41
- Change vs previous report
- +17.6%
FINRA short interest, settlement date Sep 15, 2026.