Paymentus Holdings, Inc.

NYSE:PAY Stock Report

Market Cap: US$4.5b

Paymentus Holdings Valuation

Is PAY undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

0/6

Valuation Score 0/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of PAY when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: Insufficient data to calculate PAY's fair value for valuation analysis.

Significantly Below Fair Value: Insufficient data to calculate PAY's fair value for valuation analysis.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for PAY?

Key metric: As PAY is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for PAY. This is calculated by dividing PAY's market cap by their current earnings.
What is PAY's PE Ratio?
PE Ratio104.1x
EarningsUS$40.42m
Market CapUS$4.45b

Price to Earnings Ratio vs Peers

How does PAY's PE Ratio compare to its peers?

The above table shows the PE ratio for PAY vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average19.1x
PAYO Payoneer Global
27.2x10.9%US$3.7b
EEFT Euronet Worldwide
13.6x9.0%US$4.7b
STNE StoneCo
7.3x13.2%US$2.6b
DLO DLocal
28.2x27.8%US$3.4b
PAY Paymentus Holdings
104.1x22.9%US$4.5b

Price-To-Earnings vs Peers: PAY is expensive based on its Price-To-Earnings Ratio (104.1x) compared to the peer average (19.1x).

Price to Earnings Ratio vs Industry

How does PAY's PE Ratio compare vs other companies in the US Diversified Financial Industry?

3 CompaniesPrice / EarningsEstimated GrowthMarket Cap
FOA Finance of America Companies
1.5x-136.3%US$605.78m
PMIR PMI Group
0.09xn/aUS$518.61k
ACGX Alliance Creative Group
1.8xn/aUS$374.34k
No more companies available in this PE range
PAY 104.1xIndustry Avg. 17.9xNo. of Companies12PE01224364860+
3 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: PAY is expensive based on its Price-To-Earnings Ratio (104.1x) compared to the US Diversified Financial industry average (17.9x).

Price to Earnings Ratio vs Fair Ratio

What is PAY's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

PAY PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio104.1x
Fair PE Ratio21.3x

Price-To-Earnings vs Fair Ratio: PAY is expensive based on its Price-To-Earnings Ratio (104.1x) compared to the estimated Fair Price-To-Earnings Ratio (21.3x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst PAY forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUS$33.76
US$32.25
-4.5%
11.0%US$36.00US$27.00n/a4
Dec ’25US$37.81
US$31.75
-16.0%
10.3%US$36.00US$27.00n/a4
Nov ’25US$25.11
US$22.30
-11.2%
16.0%US$26.00US$16.00n/a5
Oct ’25US$20.82
US$22.10
+6.1%
15.6%US$26.00US$16.00n/a5
Sep ’25US$22.73
US$22.10
-2.8%
15.6%US$26.00US$16.00n/a5
Aug ’25US$20.50
US$20.20
-1.5%
11.5%US$23.00US$16.00n/a5
Jul ’25US$19.13
US$20.75
+8.5%
11.3%US$23.00US$16.00n/a6
Jun ’25US$18.71
US$20.75
+10.9%
11.3%US$23.00US$16.00n/a6
May ’25US$20.47
US$19.75
-3.5%
10.9%US$22.50US$16.00n/a6
Apr ’25US$22.09
US$18.75
-15.1%
7.2%US$20.00US$16.00n/a6
Mar ’25US$15.82
US$17.43
+10.2%
5.2%US$19.00US$16.00n/a7
Feb ’25US$16.20
US$17.43
+7.6%
5.2%US$19.00US$16.00n/a7
Jan ’25US$17.87
US$17.42
-2.5%
5.3%US$19.00US$16.00n/a6
Dec ’24US$17.66
US$17.25
-2.3%
4.0%US$18.00US$16.00US$37.816
Nov ’24US$14.57
US$14.75
+1.2%
15.1%US$18.00US$11.00US$25.116
Oct ’24US$16.60
US$13.83
-16.7%
16.4%US$18.00US$11.00US$20.826
Sep ’24US$15.34
US$13.17
-14.2%
10.2%US$15.00US$11.00US$22.736
Aug ’24US$10.99
US$10.86
-1.2%
17.3%US$14.00US$8.04US$20.507
Jul ’24US$10.56
US$10.15
-3.9%
15.2%US$12.00US$8.00US$19.137
Jun ’24US$10.09
US$9.94
-1.5%
15.5%US$12.00US$8.00US$18.718
May ’24US$8.36
US$10.00
+19.6%
13.5%US$12.00US$7.50US$20.478
Apr ’24US$8.86
US$10.25
+15.7%
17.3%US$14.00US$7.00US$22.0910
Mar ’24US$8.93
US$10.25
+14.8%
17.3%US$14.00US$7.00US$15.8210
Feb ’24US$9.14
US$10.70
+17.1%
20.2%US$15.00US$7.50US$16.2010
Jan ’24US$8.01
US$11.90
+48.6%
13.3%US$15.00US$10.00US$17.8710
Dec ’23US$9.93
US$12.33
+24.2%
12.1%US$15.00US$10.00US$17.669

Analyst Forecast: Target price is lower than the current share price.

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/18 22:31
End of Day Share Price 2024/12/18 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Paymentus Holdings, Inc. is covered by 11 analysts. 6 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
David KoningBaird
Jason KupferbergBofA Global Research
Ashwin ShirvaikarCitigroup Inc