PAY Stock Overview
Paymentus Holdings, Inc. provides cloud-based bill payment technology and solutions.
Paymentus Holdings Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||US$15.03|
|52 Week High||US$39.23|
|52 Week Low||US$11.57|
|1 Month Change||-16.87%|
|3 Month Change||-29.14%|
|1 Year Change||n/a|
|3 Year Change||n/a|
|5 Year Change||n/a|
|Change since IPO||-47.47%|
Recent News & Updates
Paymentus Holdings, Inc. Just Beat Analyst Forecasts, And Analysts Have Been Updating Their Predictions
Shareholders in Paymentus Holdings, Inc. ( NYSE:PAY ) had a terrible week, as shares crashed 27% to US$21.21 in the...
|PAY||US IT||US Market|
Return vs Industry: Insufficient data to determine how PAY performed against the US IT industry.
Return vs Market: Insufficient data to determine how PAY performed against the US Market.
|PAY Average Weekly Movement||10.1%|
|IT Industry Average Movement||10.3%|
|Market Average Movement||7.8%|
|10% most volatile stocks in US Market||16.8%|
|10% least volatile stocks in US Market||2.9%|
Stable Share Price: PAY is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 10% a week.
Volatility Over Time: PAY's weekly volatility (10%) has been stable over the past year.
About the Company
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.
Paymentus Holdings Fundamentals Summary
|PAY fundamental statistics|
Is PAY overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|PAY income statement (TTM)|
|Cost of Revenue||US$291.32m|
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
|Earnings per share (EPS)||0.053|
|Net Profit Margin||1.54%|
How did PAY perform over the long term?See historical performance and comparison
Is Paymentus Holdings undervalued compared to its fair value and its price relative to the market?
Valuation Score 0/6
Below Fair Value
Significantly Below Fair Value
PE vs Industry
PE vs Market
PB vs Industry
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: PAY ($15.03) is trading above our estimate of fair value ($8.28)
Significantly Below Fair Value: PAY is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: PAY is poor value based on its PE Ratio (281.5x) compared to the US IT industry average (27.4x).
PE vs Market: PAY is poor value based on its PE Ratio (281.5x) compared to the US market (15.3x).
Price to Earnings Growth Ratio
PEG Ratio: PAY is poor value based on its PEG Ratio (4.7x)
Price to Book Ratio
PB vs Industry: PAY is overvalued based on its PB Ratio (4.7x) compared to the US IT industry average (3.1x).
How is Paymentus Holdings forecast to perform in the next 1 to 3 years based on estimates from 8 analysts?
Future Growth Score5/6
Future Growth Score 5/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: PAY's forecast earnings growth (60.3% per year) is above the savings rate (1.9%).
Earnings vs Market: PAY's earnings (60.3% per year) are forecast to grow faster than the US market (12.5% per year).
High Growth Earnings: earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: PAY's revenue (22.1% per year) is forecast to grow faster than the US market (7.8% per year).
High Growth Revenue: PAY's revenue (22.1% per year) is forecast to grow faster than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: PAY's Return on Equity is forecast to be low in 3 years time (1.7%).
How has Paymentus Holdings performed over the past 5 years?
Past Performance Score0/6
Past Performance Score 0/6
Growing Profit Margin
Earnings vs Industry
Last years earnings growth
Earnings and Revenue History
Quality Earnings: PAY has a large one-off loss of $1.7M impacting its March 31 2022 financial results.
Growing Profit Margin: PAY's current net profit margins (1.5%) are lower than last year (2.9%).
Past Earnings Growth Analysis
Earnings Trend: Insufficient data to determine if PAY's year-on-year earnings growth rate was positive over the past 5 years.
Accelerating Growth: PAY's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: PAY had negative earnings growth (-30%) over the past year, making it difficult to compare to the IT industry average (21.4%).
Return on Equity
High ROE: PAY's Return on Equity (1.9%) is considered low.
How is Paymentus Holdings's financial position?
Financial Health Score5/6
Financial Health Score 5/6
Short Term Liabilities
Long Term Liabilities
Financial Position Analysis
Short Term Liabilities: PAY's short term assets ($268.0M) exceed its short term liabilities ($83.0M).
Long Term Liabilities: PAY's short term assets ($268.0M) exceed its long term liabilities ($15.5M).
Debt to Equity History and Analysis
Debt Level: PAY has more cash than its total debt.
Reducing Debt: Insufficient data to determine if PAY's debt to equity ratio has reduced over the past 5 years.
Debt Coverage: PAY's debt is well covered by operating cash flow (784.9%).
Interest Coverage: PAY's interest payments on its debt are well covered by EBIT (531.7x coverage).
What is Paymentus Holdings's current dividend yield, its reliability and sustainability?
Dividend Score 0/6
Future Dividend Coverage
Dividend Yield vs Market
Notable Dividend: Unable to evaluate PAY's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate PAY's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if PAY's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if PAY's dividend payments have been increasing.
Earnings Payout to Shareholders
Earnings Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Cash Payout to Shareholders
Cash Flow Coverage: Unable to calculate sustainability of dividends as PAY has not reported any payouts.
Discover strong dividend paying companies
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Dushyant Sharma (52 yo)
Mr. Dushyant Sharma is Founder of Paymentus Holdings, Inc. and has been its President and Chief Executive Officer since September 2, 2011 and serves as its Chairman of the Board since December 2013. He has...
CEO Compensation Analysis
Compensation vs Market: Dushyant's total compensation ($USD2.03M) is below average for companies of similar size in the US market ($USD5.44M).
Compensation vs Earnings: Dushyant's compensation has increased by more than 20% whilst company earnings have fallen more than 20% in the past year.
Experienced Management: PAY's management team is not considered experienced ( 1.7 years average tenure), which suggests a new team.
Experienced Board: PAY's board of directors are seasoned and experienced ( 10.7 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: PAY only recently listed within the past 12 months.
Paymentus Holdings, Inc.'s employee growth, exchange listings and data sources
- Name: Paymentus Holdings, Inc.
- Ticker: PAY
- Exchange: NYSE
- Founded: 2004
- Industry: Data Processing and Outsourced Services
- Sector: Software
- Implied Market Cap: US$1.824b
- Shares outstanding: 121.37m
- Website: https://www.paymentus.com
Number of Employees
- Paymentus Holdings, Inc.
- 18390 NE 68th Street
- United States
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/05/21 00:00|
|End of Day Share Price||2022/05/20 00:00|
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.