Symbols / PAY
PAY Chart
About
Paymentus Holdings, Inc. provides cloud-based bill payment technology and solutions in the United States and internationally. 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, secure, and omni channel technology platform. Its platform's payment processing includes credit cards, debit cards, echecks, and digital wallets. The company serves utility, financial services, insurance, telecommunication, real estate management, education, consumer finance, healthcare, and business to business industries, as well as governments and small businesses. Paymentus Holdings, Inc. was founded in 2004 and is headquartered in Charlotte, North Carolina.
Fundamentals
Scroll to Statements| Sector | Technology | Industry | Software - Infrastructur | Market Cap | 3.24B |
| Enterprise Value | 2.93B | Income | 66.94M | Sales | 1.20B |
| Book/sh | 4.46 | Cash/sh | 2.55 | Dividend Yield | — |
| Payout | 0.00% | Employees | 1340 | IPO | — |
| P/E | 49.58 | Forward P/E | 26.29 | PEG | — |
| P/S | 2.71 | P/B | 5.78 | P/C | — |
| EV/EBITDA | 35.23 | EV/Sales | 2.45 | Quick Ratio | 4.29 |
| Current Ratio | 4.46 | Debt/Eq | 1.22 | LT Debt/Eq | — |
| EPS (ttm) | 0.52 | EPS next Y | 0.98 | EPS Growth | 51.70% |
| Revenue Growth | 28.10% | Earnings | 2026-05-04 | ROA | 7.59% |
| ROE | 12.80% | ROIC | — | Gross Margin | 24.77% |
| Oper. Margin | 7.28% | Profit Margin | 5.59% | Shs Outstand | 62.86M |
| Shs Float | 58.74M | Short Float | 3.18% | Short Ratio | 2.83 |
| Short Interest | — | 52W High | 40.43 | 52W Low | 22.02 |
| Beta | 1.50 | Avg Volume | 822.97K | Volume | 479.19K |
| Target Price | $31.71 | Recom | Buy | Prev Close | $25.84 |
| Price | $25.78 | Change | -0.23% |
Valuation Models
Price estimates from analyst targets and simple models.
1. Analyst consensus
$31.71
Mean price target
2. Current target
$25.78
Latest analyst target
3. DCF / Fair value
$32.29
Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$25.78
Low
$27.00
High
$36.00
Mean
$31.71
Latest analyst rating changes
| Date | Action | Analyst | Rating Change | Price Target |
|---|---|---|---|---|
| 2026-02-24 | main | Goldman Sachs | Neutral → Neutral | $32 |
| 2026-02-24 | main | Wedbush | Outperform → Outperform | $32 |
| 2025-12-04 | main | JP Morgan | Neutral → Neutral | $38 |
| 2025-12-04 | init | Freedom Capital Markets | — → Buy | $40 |
| 2025-07-22 | up | Wolfe Research | Peer Perform → Outperform | — |
| 2025-07-14 | up | Raymond James | Market Perform → Outperform | $37 |
| 2025-06-04 | main | Baird | Outperform → Outperform | $40 |
| 2025-05-07 | main | Wells Fargo | Equal-Weight → Equal-Weight | $35 |
| 2025-05-06 | main | Goldman Sachs | Neutral → Neutral | $34 |
| 2025-05-06 | main | JP Morgan | Neutral → Neutral | $35 |
| 2025-05-06 | main | Baird | Outperform → Outperform | $36 |
| 2025-04-04 | main | Baird | Outperform → Outperform | $30 |
| 2025-03-13 | main | Baird | Outperform → Outperform | $36 |
| 2025-03-12 | reit | Wedbush | Outperform → Outperform | $38 |
| 2025-03-11 | main | JP Morgan | Neutral → Neutral | $29 |
| 2025-03-11 | main | Baird | Outperform → Outperform | $36 |
| 2025-01-16 | main | Wells Fargo | Equal-Weight → Equal-Weight | $33 |
| 2024-11-15 | main | Goldman Sachs | Neutral → Neutral | $33 |
| 2024-11-13 | main | Wells Fargo | Equal-Weight → Equal-Weight | $27 |
| 2024-11-13 | main | Baird | Outperform → Outperform | $36 |
News
RSS: Latest PAY news- Berkshire’s Abel Vows to Use All His Pay to Buy Firm’s Stock - Carrier Management Mon, 09 Mar 2026 12
- Stock Awards Pump Up Pay for Eli Lilly GC - Law.com Mon, 09 Mar 2026 19
- Alphabet offers CEO pay deal worth up to $692M with stock price, Waymo incentives - Seeking Alpha Mon, 09 Mar 2026 08
- Berkshire CEO Greg Abel on working with Buffett, Kraft Heinz and using all his salary to buy the stock - CNBC Sat, 07 Mar 2026 13
- D05.SI Stock Today, March 09: CEO Pay, Higher 2025 Dividend Plan - Meyka Mon, 09 Mar 2026 14
- Warren Buffett's successor will spend his $15M after-tax salary buying Berkshire Hathaway stock - Fortune hu, 05 Mar 2026 18
- Needles in a Haystack: 3 Cathie Wood Stocks That Pay Dividends - The Motley Fool hu, 05 Mar 2026 17
- Alphabet offers CEO pay deal worth up to $692M with stock price, Waymo incentives - MSN Mon, 09 Mar 2026 09
- 2025 Update: Tech Company Stock Pay Accounts for One-Quarter of Withholding Growth So Far in 2025-26 - Legislative Analyst’s Office (.gov) Wed, 03 Dec 2025 08
- Nvidia Earnings to Include Cost of Stock-Based Pay. That’s Bad News for Broadcom, AMD. - Barron's ue, 03 Mar 2026 14
- ‘I’d Pay $50 for the Stock’ – Cramer Reacts to Gap’s Stunning Turnaround Numbers - 24/7 Wall St. Fri, 06 Mar 2026 13
- Google gives CEO Sundar Pichai new pay deal worth up to $692mn - Financial Times Sat, 07 Mar 2026 03
- NY Stock Exchange to pay $9 million to US SEC over 2023 technology glitch - MLex Fri, 06 Mar 2026 22
- Paymentus Stock Has Fallen 22%, Time to Enter? - Trefis Sat, 14 Feb 2026 08
- PayPoint (LON:PAY) Stock Price Passes Above 200-Day Moving Average - Time to Sell? - MarketBeat Wed, 04 Mar 2026 08
Insider Transactions
| Date | Shares | Value | Url | Text | Insider | Position | Transaction | Start Date | Ownership |
|---|---|---|---|---|---|---|---|---|---|
| 0 | 1100000 | — | — | Stock Award(Grant) at price 0.00 per share. | SHARMA DUSHYANT | Chief Executive Officer | — | 2025-07-02 00:00:00 | D |
| 1 | 4698 | — | — | Stock Award(Grant) at price 0.00 per share. | DAVIDS JODY R | Director | — | 2025-06-09 00:00:00 | D |
| 2 | 4698 | — | — | Stock Award(Grant) at price 0.00 per share. | INGRAM WILLIAM | Director | — | 2025-06-09 00:00:00 | D |
| 3 | 4698 | — | — | Stock Award(Grant) at price 0.00 per share. | OBEROI ARUN | Director | — | 2025-06-09 00:00:00 | D |
| 4 | 25000 | 1000462.0 | — | Sale at price 40.02 per share. | KALRA SANJAY | Chief Financial Officer | — | 2025-05-16 00:00:00 | D |
| 5 | 4415 | 168051.0 | — | Sale at price 38.06 per share. | OBEROI ARUN | Director | — | 2025-05-15 00:00:00 | D |
| 6 | 11409 | 433646.0 | — | Sale at price 38.01 per share. | INGRAM WILLIAM | Director | — | 2025-05-12 00:00:00 | D |
| 7 | 68447 | — | — | Stock Award(Grant) at price 0.00 per share. | KALRA SANJAY | Chief Financial Officer | — | 2025-03-13 00:00:00 | D |
| 8 | 68447 | — | — | Stock Award(Grant) at price 0.00 per share. | PORTOCALIS GERASIMOS | Officer | — | 2025-03-13 00:00:00 | D |
| 9 | 17112 | — | — | Stock Award(Grant) at price 0.00 per share. | GERBER ANDREW A. | General Counsel | — | 2025-03-13 00:00:00 | D |
Financials
| Line Item | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| TaxEffectOfUnusualItems | 0.00 | 0.00 | 0.00 | 0.00 |
| TaxRateForCalcs | 0.22 | 0.18 | 0.11 | 0.21 |
| NormalizedEBITDA | 116.60M | 81.34M | 48.69M | 21.09M |
| TotalUnusualItems | 12.00K | 5.00K | -1.00K | |
| TotalUnusualItemsExcludingGoodwill | 12.00K | 5.00K | -1.00K | |
| NetIncomeFromContinuingOperationNetMinorityInterest | 66.94M | 44.17M | 22.32M | -513.00K |
| ReconciledDepreciation | 41.06M | 36.48M | 30.60M | 24.06M |
| ReconciledCostOfRevenue | 900.16M | 633.58M | 432.15M | 347.32M |
| EBITDA | 116.60M | 81.34M | 48.69M | 21.09M |
| EBIT | 75.54M | 44.86M | 18.09M | -2.98M |
| NetInterestIncome | 9.51M | 8.74M | 7.02M | 1.66M |
| InterestExpense | 6.00K | |||
| InterestIncome | 9.51M | 8.74M | 7.02M | 1.66M |
| NormalizedIncome | 66.94M | 44.17M | 22.32M | -513.00K |
| NetIncomeFromContinuingAndDiscontinuedOperation | 66.94M | 44.17M | 22.32M | -513.00K |
| TotalExpenses | 1.12B | 826.89M | 596.40M | 499.98M |
| TotalOperatingIncomeAsReported | 75.54M | 44.86M | 18.09M | -2.98M |
| DilutedAverageShares | 127.71M | 125.07M | 122.10M | 118.82M |
| BasicAverageShares | 124.37M | 123.51M | 122.10M | 112.76M |
| DilutedEPS | 0.35 | 0.18 | -0.00 | 0.06 |
| BasicEPS | 0.36 | 0.18 | -0.00 | 0.06 |
| DilutedNIAvailtoComStockholders | 66.94M | 44.17M | 22.32M | -513.00K |
| NetIncomeCommonStockholders | 66.94M | 44.17M | 22.32M | -513.00K |
| PreferredStockDividends | 2.26M | |||
| NetIncome | 66.94M | 44.17M | 22.32M | -513.00K |
| NetIncomeIncludingNoncontrollingInterests | 66.94M | 44.17M | 22.32M | -513.00K |
| NetIncomeContinuousOperations | 66.94M | 44.17M | 22.32M | -513.00K |
| TaxProvision | 18.34M | 9.78M | 2.80M | -795.00K |
| PretaxIncome | 85.28M | 53.94M | 25.12M | -1.31M |
| OtherIncomeExpense | 229.00K | 345.00K | 12.00K | 5.00K |
| OtherNonOperatingIncomeExpenses | 229.00K | 345.00K | 12.00K | 5.00K |
| GainOnSaleOfSecurity | 12.00K | 5.00K | -1.00K | |
| NetNonOperatingInterestIncomeExpense | 9.51M | 8.74M | 7.02M | 1.66M |
| TotalOtherFinanceCost | -7.02M | -1.66M | 6.00K | |
| InterestExpenseNonOperating | 6.00K | |||
| InterestIncomeNonOperating | 9.51M | 8.74M | 7.02M | 1.66M |
| OperatingIncome | 75.54M | 44.86M | 18.09M | -2.98M |
| OperatingExpense | 220.80M | 193.31M | 164.25M | 152.65M |
| ResearchAndDevelopment | 61.47M | 51.33M | 44.25M | 41.22M |
| SellingGeneralAndAdministration | 159.33M | 141.98M | 120.00M | 111.43M |
| SellingAndMarketingExpense | 111.93M | 105.05M | 84.00M | 73.30M |
| GeneralAndAdministrativeExpense | 47.40M | 36.93M | 36.01M | 38.14M |
| OtherGandA | 47.40M | 36.93M | 36.01M | 38.14M |
| GrossProfit | 296.34M | 238.17M | 182.34M | 149.68M |
| CostOfRevenue | 900.16M | 633.58M | 432.15M | 347.32M |
| TotalRevenue | 1.20B | 871.75M | 614.49M | 497.00M |
| OperatingRevenue | 1.19B | 861.74M | 606.60M | 490.38M |
| Line Item | 2023-12-31 | |||
|---|---|---|---|---|
| TreasurySharesNumber | 0.00 | |||
| OrdinarySharesNumber | 125.58M | 124.84M | 123.82M | 123.24M |
| ShareIssued | 125.58M | 124.84M | 123.82M | 123.24M |
| TotalDebt | 6.85M | 8.41M | 10.51M | 12.63M |
| TangibleBookValue | 345.67M | 267.33M | 211.81M | 183.28M |
| InvestedCapital | 560.39M | 485.60M | 429.62M | 397.18M |
| WorkingCapital | 342.48M | 264.09M | 207.56M | 177.47M |
| NetTangibleAssets | 345.67M | 267.33M | 211.81M | 183.28M |
| CapitalLeaseObligations | 6.85M | 8.41M | 10.51M | 12.63M |
| CommonStockEquity | 560.39M | 485.60M | 429.62M | 397.18M |
| TotalCapitalization | 560.39M | 485.60M | 429.62M | 397.18M |
| TotalEquityGrossMinorityInterest | 560.39M | 485.60M | 429.62M | 397.18M |
| StockholdersEquity | 560.39M | 485.60M | 429.62M | 397.18M |
| GainsLossesNotAffectingRetainedEarnings | -427.00K | -233.00K | 87.00K | -22.00K |
| OtherEquityAdjustments | -427.00K | -233.00K | 87.00K | -22.00K |
| TreasuryStock | 0.00 | 0.00 | 0.00 | |
| RetainedEarnings | 162.85M | 95.91M | 51.74M | 29.42M |
| AdditionalPaidInCapital | 397.95M | 389.90M | 377.77M | 367.77M |
| CapitalStock | 12.00K | 12.00K | 12.00K | 12.00K |
| CommonStock | 12.00K | 12.00K | 12.00K | 12.00K |
| PreferredStock | 0.00 | 0.00 | 0.00 | |
| TotalLiabilitiesNetMinorityInterest | 107.50M | 90.65M | 75.25M | 64.36M |
| TotalNonCurrentLiabilitiesNetMinorityInterest | 8.65M | 9.10M | 12.46M | 12.86M |
| OtherNonCurrentLiabilities | 683.00K | |||
| NonCurrentDeferredLiabilities | 3.40M | 2.78M | 3.80M | 3.51M |
| NonCurrentDeferredRevenue | 3.40M | 2.78M | 2.73M | 2.83M |
| NonCurrentDeferredTaxesLiabilities | 0.00 | 1.07M | 680.00K | 3.32M |
| LongTermDebtAndCapitalLeaseObligation | 4.56M | 6.32M | 8.66M | 9.36M |
| LongTermCapitalLeaseObligation | 4.56M | 6.32M | 8.66M | 9.36M |
| CurrentLiabilities | 98.85M | 81.55M | 62.79M | 51.50M |
| OtherCurrentLiabilities | 1.72M | 33.44M | ||
| CurrentDeferredLiabilities | 3.50M | 2.94M | 4.09M | 4.36M |
| CurrentDeferredRevenue | 3.50M | 2.94M | 4.09M | 4.36M |
| CurrentDebtAndCapitalLeaseObligation | 2.29M | 2.09M | 1.85M | 3.27M |
| CurrentCapitalLeaseObligation | 2.29M | 2.09M | 1.85M | 3.27M |
| PayablesAndAccruedExpenses | 93.06M | 76.52M | 56.85M | 43.86M |
| CurrentAccruedExpenses | 27.67M | 26.46M | 21.30M | 14.00M |
| Payables | 65.39M | 50.06M | 35.55M | 29.87M |
| TotalTaxPayable | 1.42M | 190.00K | 363.00K | 635.00K |
| IncomeTaxPayable | 1.42M | 190.00K | 363.00K | 635.00K |
| AccountsPayable | 63.97M | 49.87M | 35.18M | 29.23M |
| TotalAssets | 667.88M | 576.25M | 504.86M | 461.54M |
| TotalNonCurrentAssets | 226.55M | 230.61M | 234.51M | 232.58M |
| OtherNonCurrentAssets | 4.26M | 3.02M | 5.03M | 7.18M |
| NonCurrentDeferredAssets | 314.00K | 367.00K | 94.00K | 116.00K |
| NonCurrentDeferredTaxesAssets | 314.00K | 367.00K | 94.00K | 116.00K |
| GoodwillAndOtherIntangibleAssets | 214.72M | 218.27M | 217.81M | 213.90M |
| OtherIntangibleAssets | 82.91M | 86.45M | 85.94M | 82.05M |
| Goodwill | 131.81M | 131.81M | 131.86M | 131.85M |
| NetPPE | 7.26M | 8.96M | 11.59M | 11.38M |
| AccumulatedDepreciation | -7.94M | -7.12M | -6.61M | -5.74M |
| GrossPPE | 15.20M | 16.08M | 18.20M | 17.13M |
| Leases | 387.00K | 375.00K | 396.00K | 419.00K |
| OtherProperties | 6.38M | 7.80M | 10.03M | 9.56M |
| MachineryFurnitureEquipment | 8.43M | 7.90M | 7.77M | 7.15M |
| Properties | 0.00 | 0.00 | 0.00 | 0.00 |
| CurrentAssets | 441.33M | 345.64M | 270.35M | 228.96M |
| OtherCurrentAssets | 13.25M | 13.06M | 10.51M | 9.99M |
| RestrictedCash | 3.63M | 3.51M | 3.83M | 2.35M |
| PrepaidAssets | 8.18M | |||
| Receivables | 103.55M | 123.17M | 76.65M | 69.28M |
| TaxesReceivable | 1.21M | 3.36M | 259.00K | 1.49M |
| AccountsReceivable | 102.34M | 119.82M | 76.39M | 67.79M |
| AllowanceForDoubtfulAccountsReceivable | -452.00K | -257.00K | -435.00K | -370.00K |
| GrossAccountsReceivable | 102.79M | 120.07M | 76.82M | 68.16M |
| CashCashEquivalentsAndShortTermInvestments | 320.91M | 205.90M | 179.36M | 147.33M |
| CashAndCashEquivalents | 320.91M | 205.90M | 179.36M | 147.33M |
| Line Item | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| FreeCashFlow | 125.03M | 27.06M | 34.53M | -11.43M |
| RepurchaseOfCapitalStock | 0.00 | 0.00 | -23.01M | |
| RepaymentOfDebt | 0.00 | 0.00 | -102.00K | -268.00K |
| IssuanceOfDebt | 0.00 | 0.00 | 813.00K | |
| IssuanceOfCapitalStock | 0.00 | 0.00 | 274.60M | |
| CapitalExpenditure | -37.10M | -36.58M | -34.30M | -31.30M |
| IncomeTaxPaidSupplementalData | 14.95M | 14.40M | 1.40M | 672.00K |
| EndCashPosition | 324.54M | 209.41M | 183.19M | 149.69M |
| BeginningCashPosition | 209.41M | 183.19M | 149.69M | 201.83M |
| EffectOfExchangeRateChanges | 95.00K | -450.00K | 176.00K | -168.00K |
| ChangesInCash | 115.03M | 26.67M | 33.33M | -51.98M |
| FinancingCashFlow | -10.58M | -207.00K | -1.20M | -37.28M |
| CashFlowFromContinuingFinancingActivities | -10.58M | -207.00K | -1.20M | -37.28M |
| NetOtherFinancingCharges | -10.74M | -545.00K | -1.71M | -38.51M |
| ProceedsFromStockOptionExercised | 162.00K | 338.00K | 616.00K | 1.49M |
| CashDividendsPaid | 0.00 | 0.00 | -34.41M | |
| PreferredStockDividendPaid | 0.00 | 0.00 | -34.41M | |
| NetPreferredStockIssuance | 0.00 | 0.00 | -23.01M | |
| PreferredStockPayments | 0.00 | 0.00 | -23.01M | |
| PreferredStockIssuance | 0.00 | |||
| NetCommonStockIssuance | 0.00 | 0.00 | 274.60M | |
| CommonStockIssuance | 0.00 | 0.00 | 274.60M | |
| NetIssuancePaymentsOfDebt | 0.00 | 0.00 | -102.00K | -268.00K |
| NetLongTermDebtIssuance | 0.00 | 0.00 | -102.00K | -268.00K |
| LongTermDebtPayments | 0.00 | 0.00 | -102.00K | -268.00K |
| LongTermDebtIssuance | 0.00 | 0.00 | 813.00K | |
| InvestingCashFlow | -36.52M | -36.76M | -34.30M | -34.56M |
| CashFlowFromContinuingInvestingActivities | -36.52M | -36.76M | -34.30M | -34.56M |
| NetInvestmentPurchaseAndSale | 580.00K | -185.00K | 0.00 | 0.00 |
| SaleOfInvestment | 3.10M | 3.51M | 0.00 | 0.00 |
| PurchaseOfInvestment | -2.52M | -3.69M | 0.00 | 0.00 |
| NetBusinessPurchaseAndSale | 0.00 | 0.00 | -3.26M | -57.40M |
| PurchaseOfBusiness | 0.00 | 0.00 | -3.26M | -57.40M |
| NetIntangiblesPurchaseAndSale | 0.00 | 0.00 | -280.00K | -130.00K |
| PurchaseOfIntangibles | 0.00 | 0.00 | -280.00K | -130.00K |
| NetPPEPurchaseAndSale | -361.00K | -457.00K | -600.00K | -1.26M |
| PurchaseOfPPE | -361.00K | -457.00K | -600.00K | -1.26M |
| CapitalExpenditureReported | -36.74M | -36.12M | -33.70M | -29.76M |
| OperatingCashFlow | 162.13M | 63.63M | 68.83M | 19.87M |
| CashFlowFromContinuingOperatingActivities | 162.13M | 63.63M | 68.83M | 19.87M |
| ChangeInWorkingCapital | 28.46M | -35.96M | 429.00K | -12.13M |
| ChangeInOtherWorkingCapital | 1.18M | -1.10M | -361.00K | 3.30M |
| ChangeInOtherCurrentLiabilities | -2.49M | -2.25M | -1.82M | -1.83M |
| ChangeInPayablesAndAccruedExpense | 15.67M | 20.98M | 12.30M | 8.17M |
| ChangeInAccruedExpense | 1.69M | 7.16M | 6.29M | 3.40M |
| ChangeInPayable | 13.98M | 13.82M | 6.02M | 4.77M |
| ChangeInAccountPayable | 13.98M | 13.82M | 6.02M | 4.77M |
| ChangeInPrepaidAssets | -6.42M | -3.42M | -1.18M | 1.21M |
| ChangeInReceivables | 20.52M | -50.18M | -8.51M | -22.97M |
| ChangesInAccountReceivables | 17.14M | -46.92M | -9.47M | -24.52M |
| OtherNonCashItems | 6.73M | 5.93M | 4.79M | 4.19M |
| StockBasedCompensation | 18.63M | 10.99M | 9.39M | 6.74M |
| ProvisionandWriteOffofAssets | 268.00K | 3.37M | 886.00K | 499.00K |
| DeferredTax | 50.00K | -1.35M | 413.00K | -2.98M |
| DeferredIncomeTax | 50.00K | -1.35M | 413.00K | -2.98M |
| DepreciationAmortizationDepletion | 41.06M | 36.48M | 30.60M | 24.06M |
| DepreciationAndAmortization | 41.06M | 36.48M | 30.60M | 24.06M |
| NetIncomeFromContinuingOperations | 66.94M | 44.17M | 22.32M | -513.00K |
SEC Filings
Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.
Public Trades for PAY
| Date | User | Asset | Broker | Type | Position Size | Entry Price | Patterns |
|---|