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PAY

Paymentus Holdings NYSE:PAY Stock Report

Last Price

US$15.03

Market Cap

US$1.8b

7D

9.5%

1Y

n/a

Updated

21 May, 2022

Data

Company Financials +
PAY fundamental analysis
Snowflake Score
Valuation0/6
Future Growth5/6
Past Performance0/6
Financial Health5/6
Dividends0/6

PAY Stock Overview

Paymentus Holdings, Inc. provides cloud-based bill payment technology and solutions.

Paymentus Holdings Competitors

 

 

 

 

 

 

 

 

 

 

 

 

Price History & Performance

Summary of all time highs, changes and price drops for Paymentus Holdings
Historical stock prices
Current Share PriceUS$15.03
52 Week HighUS$39.23
52 Week LowUS$11.57
Beta0
1 Month Change-17.91%
3 Month Change-29.14%
1 Year Changen/a
3 Year Changen/a
5 Year Changen/a
Change since IPO-47.47%

Recent News & Updates

Feb 19
Paymentus Holdings, Inc. Just Beat Analyst Forecasts, And Analysts Have Been Updating Their Predictions

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...

Shareholder Returns

PAYUS ITUS Market
7D9.5%-1.2%-2.7%
1Yn/a-28.1%-12.9%

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.

Price Volatility

Is PAY's price volatile compared to industry and market?
PAY volatility
PAY Average Weekly Movement10.2%
IT Industry Average Movement10.3%
Market Average Movement7.9%
10% most volatile stocks in US Market16.9%
10% least volatile stocks in US Market3.0%

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

FoundedEmployeesCEOWebsite
20041,116Dushyant Sharmahttps://www.paymentus.com

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

How do Paymentus Holdings's earnings and revenue compare to its market cap?
PAY fundamental statistics
Market CapUS$1.82b
Earnings (TTM)US$6.48m
Revenue (TTM)US$420.01m

281.5x

P/E Ratio

4.3x

P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
PAY income statement (TTM)
RevenueUS$420.01m
Cost of RevenueUS$291.32m
Gross ProfitUS$128.69m
Other ExpensesUS$122.21m
EarningsUS$6.48m

Last Reported Earnings

Mar 31, 2022

Next Earnings Date

n/a

Earnings per share (EPS)0.053
Gross Margin30.64%
Net Profit Margin1.54%
Debt/Equity Ratio0.5%

How did PAY perform over the long term?

See historical performance and comparison

Valuation

Is Paymentus Holdings undervalued compared to its fair value and its price relative to the market?

Valuation Score

0/6

Valuation Score 0/6

  • Below Fair Value

  • Significantly Below Fair Value

  • PE vs Industry

  • PE vs Market

  • PEG Ratio

  • PB vs Industry


281.46x

Price to Earnings (PE) ratio

Share Price vs. Fair Value

Below Fair Value: PAY ($15.03) is trading above our estimate of fair value ($8.3)

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 (27.1x).

PE vs Market: PAY is poor value based on its PE Ratio (281.5x) compared to the US market (15.5x).


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 (3.2x).


Future Growth

How is Paymentus Holdings forecast to perform in the next 1 to 3 years based on estimates from 8 analysts?

Future Growth Score

5/6

Future Growth Score 5/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


60.3%

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%).


Past Performance

How has Paymentus Holdings performed over the past 5 years?

Past Performance Score

0/6

Past Performance Score 0/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


-30.0%

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.


Financial Health

How is Paymentus Holdings's financial position?

Financial Health Score

5/6

Financial Health Score 5/6

  • Short Term Liabilities

  • Long Term Liabilities

  • Debt Level

  • Reducing Debt

  • Debt Coverage

  • Interest Coverage

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).


Balance Sheet


Dividend

What is Paymentus Holdings's current dividend yield, its reliability and sustainability?

Dividend Score

0/6

Dividend Score 0/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • 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

Management

How experienced are the management team and are they aligned to shareholders interests?

1.7yrs

Average management tenure


CEO

Dushyant Sharma (52 yo)

10.67yrs

Tenure

US$2,025,690

Compensation

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 ($USD2.03M) is below average for companies of similar size in the US market ($USD5.43M).

Compensation vs Earnings: Dushyant's compensation has increased by more than 20% whilst company earnings have fallen more than 20% in the past year.


Leadership Team

Experienced Management: PAY's management team is not considered experienced ( 1.7 years average tenure), which suggests a new team.


Board Members

Experienced Board: PAY's board of directors are seasoned and experienced ( 10.7 years average tenure).


Ownership

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

Ownership Breakdown

Dilution of Shares: PAY only recently listed within the past 12 months.


Top Shareholders

Company Information

Paymentus Holdings, Inc.'s employee growth, exchange listings and data sources


Key Information

  • 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


Location

  • Paymentus Holdings, Inc.
  • 18390 NE 68th Street
  • Redmond
  • Washington
  • 98052
  • United States

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/05/21 00:00
End of Day Share Price2022/05/20 00:00
Earnings2022/03/31
Annual Earnings2021/12/31


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.