VCP ScannerFree US Stock Screener & Financial AnalysisFree US Stock Screener
ScreenerThemes
DCF ValuationCalculate intrinsic value of US stocks
Market ValuationBuffett indicator, CAPE & macro gauges
Total ReturnSee dividends + price return history
DCA CalculatorSimulate recurring buys & compounding
Earnings
FAANG & Tech
AAPL vs MSFTNVDA vs AMDGOOGL vs META
Cloud & Cyber
CRM vs NOWCRWD vs PANWSNOW vs DDOG
Consumer & Auto
TSLA vs FAMZN vs WMTNFLX vs DIS
Finance & Crypto
JPM vs BACV vs MACOIN vs MSTR
Pharma & Energy
LLY vs NVOJNJ vs PFEXOM vs CVX
Compare Any Stocks...
WatchlistInsider
ScreenerThemes
Earnings
WatchlistInsider
PAY
← Back to Screener
VCP ScannerFree US Stock Screener & Financial Analysis

Find stocks. Verify deeply. Act with conviction.

Data updated daily

Product

  • Screener
  • Themes
  • Valuation
  • Total Return
  • DCA Calculator
  • News
  • Earnings

Resources

  • Market Valuation
  • Compare
  • Insider Activity
  • Methodology
  • How It Works
  • Glossary
  • Learn

Get Ideas

Get weekly stock ideas — free

© 2026 VCP Scanner
AboutPrivacyTerms
Not financial advice. Do your own research.
ScreenerNewsCompareWatchlist
PAYPaymentus Holdings, Inc.
$28.51$3.6B
Overview & Verdict
Overview
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice HistoryTechnical Analysis
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
Ownership
Holders

PAY logoPaymentus Holdings, Inc.(PAY)Earnings, Financials & Key Ratios

PAY•NYSE
$28.51
54.8× P/E·Price updated Jul 7, 2026
SectorTechnologyIndustryIT ServicesSub-IndustryPayments Processing and Fintech Services
AboutPaymentus 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.Show more
  • Revenue$1.2B+37.3%
  • EBITDA$117M+43.3%
  • Net Income$67M+51.5%
  • EPS (Diluted)0.52+48.6%
  • Gross Margin24.77%-9.3%
  • EBITDA Margin9.74%+4.4%
  • Operating Margin6.31%+22.7%
  • Net Margin5.59%+10.4%
  • ROE12.8%+32.6%

PAY Price & Volume

Paymentus Holdings, Inc. (PAY) stock price & volume — 10-year historical chart

Loading chart...

Scaling Transaction Volumes Drive Sustainable Revenue Growth

Investment Thesis • Updated 2026Q1

VerdictNeutral
Growth:Decelerating
Profitability:Moderate
Financial:Fortress
Cash Flow:Robust
Primary Risk:Interchange Fee Margin Compression

Key Thesis Takeaways

  • Paymentus demonstrates a transition toward sustainable expansion as revenue growth normalizes to 30.2% in 2026Q1, supported by a fortress balance sheet with $342.1 million in cash.
  • While the company benefits from minimal capital intensity, investors should monitor the structural compression of gross margins to 24.1% and the rising impact of stock-based compensation, which reached $5.7 million in the most recent quarter.
  • The firm's ability to maintain a 0.01 debt-to-equity ratio provides significant financial flexibility to navigate potential volatility in settlement-driven working capital requirements.

Verdict Logic

while the company maintains a strong liquidity position with $342.1 million in cash, the compression of gross margins to 24.1% and rising stock-based compensation of $5.7 million warrant caution regarding future earnings quality.

PAY Growth Metrics

Paymentus Holdings, Inc. (PAY) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years-4.36%
5 Years31.72%
3 Years34.03%
TTM33.01%

Profit CAGR

10 Years-
5 Years37.32%
3 Years-
TTM45.86%

EPS CAGR

10 Years-
5 Years47.85%
3 Years-
TTM46.15%

Return on Capital

10 Years6.76%
5 Years6.3%
3 Years9.34%
Last Year14.2%

PAY Recent Earnings

Paymentus Holdings, Inc. (PAY) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 12/12 qtrs (100%)●Beat Revenue 8/12 qtrs (67%)
Q2 2026Latest
May 4, 2026
Metric
Actual
Est
EPS
$0.21+23.5%
$0.17
Rev
$358M+6.9%
$335M
Q1 2026
Feb 23, 2026
Metric
Actual
Est
EPS
$0.20+11.1%
$0.18
Rev
$330M+5.3%
$314M
Q4 2025
Nov 3, 2025
Metric
Actual
Est
EPS
$0.17+6.3%
$0.16
Rev
$311M-1.0%
$314M
Q3 2025
Aug 4, 2025
Metric
Actual
Est
EPS
$0.15+7.1%
$0.14
Rev
$280M-1.6%
$285M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestMay 4, 2026
$0.21vs $0.17+23.5%
$358Mvs $335M+6.9%
Q1 2026Feb 23, 2026
$0.20vs $0.18+11.1%
$330Mvs $314M+5.3%
Q4 2025Nov 3, 2025
$0.17vs $0.16+6.3%
$311Mvs $314M-1.0%
Q3 2025Aug 4, 2025
$0.15vs $0.14+7.1%
$280Mvs $285M-1.6%
Based on last 12 quarters of dataView full earnings history →

Latest PAY News

Recent stock market news and headlines for Paymentus Holdings, Inc. (PAY)

Zacks Investment Research·Jun 29, 2026
Paymentus (PAY) Moves 10.2% Higher: Will This Strength Last?

Paymentus (PAY) was a big mover last session on higher-than-average trading volume. The latest trend in earnings estimate revisions might not help the stock continue moving higher in the near term.

Zacks Investment Research·Jun 29, 2026
Buy 5 Mobile Payments Stocks to Enhance Your Portfolio Returns

V, PAY, CPAY, SEZL and RELY are five mobile payments stocks positioned to benefit from the long-term shift to cashless payments.

GlobeNewsWire·Jun 25, 2026
Notice of AGM

25 June 2026 PayPoint plc ("PayPoint" or the "Company") FY26 Annual Report and Accounts and Notice of Annual General Meeting ("AGM") PayPoint plc today announces that the following documents have today been posted or otherwise made available to shareholders: 2026 Annual Report and Accounts; Notice of the 2026 AGM ("Notice of AGM") to be held at 12.00 noon on Wednesday, 29 July 2026 at 1 The Boulevard, Shire Park, Welwyn Garden City, Hertfordshire, AL7 1EL; and Form of Proxy for the 2026 AGM. The results of voting at the AGM will be announced following the conclusion of the AGM and will also be available on the Company's website.

GlobeNewsWire·Jun 24, 2026
PayPoint completes acquisition of AperiData, strengthening its Open Banking capabilities

PayPoint completes acquisition of AperiData, strengthening its Open Banking capabilities PayPoint has announced it has completed the acquisition of AperiData following a previous £1 million strategic investment The move bolsters PayPoint's Open Banking offering by adding Aperidata's real-time financial assessment capabilities, making it easier for organisations to gain high quality insight into their customer's financial circumstances when agreeing payment plans Welwyn Garden City, 24 June 2026: PayPoint has announced it has completed the acquisition of AperiData, strengthening its capabilities in Open Banking for customers. AperiData is a real-time credit reference agency and Open Banking platform, focused on modernising the consumer credit market through the use of transaction-level data and advanced financial assessment tools.

Peers Comparison

Key metrics vs top competitors for Paymentus Holdings, Inc. (PAY)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
PAY logoPAYPaymentus Holdings, Inc.Current
$28.51$3.57B54.8337.25%5.59%12.8%—
RPAY logoRPAYRepay Holdings Corporation
$4.04$355.87M-1.35-1.21%-82.73%-46.64%—
PRTH logoPRTHPriority Technology Holdings, Inc.
$6.97$574.02M10.258.33%5.85%——
FLYW logoFLYWFlywire Corporation
$18.55$2.21B168.6426.59%6.65%5.87%—
IIIV logoIIIVi3 Verticals, Inc.
$21.40$472.82M38.21-7.29%8.26%3.67%—
CASS logoCASSCass Information Systems, Inc.
$52.60$677.02M20.15-13.1%17.39%14.44%—

Compare PAY vs Peers

Paymentus Holdings, Inc. (PAY) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs RPAY

Most directly comparable listed peer for PAY.

Scale Benchmark

vs JPM

Larger-name benchmark to compare PAY against a more recognizable public peer.

Peer Set

Compare Top 5

vs RPAY, PRTH, FLYW, IIIV

PAY SEC Filings & Documents

Paymentus Holdings, Inc. (PAY) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

May 4, 2026·SEC

Material company update

Apr 8, 2026·SEC

Material company update

Mar 26, 2026·SEC

10-K Annual Reports

2
FY 2026

Feb 24, 2026·SEC

FY 2025

Mar 11, 2025·SEC

10-Q Quarterly Reports

6
FY 2026

May 5, 2026·SEC

FY 2025

Nov 4, 2025·SEC

FY 2025

Aug 5, 2025·SEC

Get notified when PAY posts new earnings or crosses analyst targets

Free. No account needed. Unsubscribe any time.

Free. Unsubscribe any time.

PAY Frequently Asked Questions

Paymentus Holdings, Inc. (PAY) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
What is Paymentus Holdings, Inc.'s revenue?

Paymentus Holdings, Inc. (PAY) reported $1.28B in revenue for fiscal year 2025. This represents a 277% increase from $339.3M in 2003.

How fast is Paymentus Holdings, Inc. growing?

Paymentus Holdings, Inc. (PAY) grew revenue by 37.3% over the past year. This is strong growth.

Is PAY profitable?

Yes, Paymentus Holdings, Inc. (PAY) is profitable, generating $74.0M in net income for fiscal year 2025 (5.6% net margin).

Dividend & Returns
What is PAY's return on equity?

Paymentus Holdings, Inc. (PAY) has a return on equity (ROE) of 12.8%. This is reasonable for most industries.

What is Paymentus Holdings, Inc.'s free cash flow?

Paymentus Holdings, Inc. (PAY) generated $132.3M in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.

What if you invested $1,000 in PAY back in 2003?

Total return calculator · dividends reinvested · 23+ years of data

See returns →