Symbols / PAY Stock $24.28 -2.18% Paymentus Holdings, Inc.

Technology • Software - Infrastructure • United States • NYQ
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Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Technology
Industry Software - Infrastructure
CEO Mr. Dushyant Sharma
Exch · Country NYQ · United States
Market Cap 3.05B
Enterprise Value 3.28B
Income 66.94M
Sales 1.20B
FCF (ttm) 112.78M
Book/sh 4.46
Cash/sh 2.55
Employees 1,340
Insider 10d —
IPO May 26, 2021
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 0.00%
P/E 42.60
Forward P/E 23.86
PEG —
P/S 2.55
P/B 5.44
P/C —
EV/EBITDA 39.43
EV/Sales 2.75
Quick Ratio 4.29
Current Ratio 4.46
Debt/Eq 1.22
LT Debt/Eq —
EPS (ttm) 0.57
EPS next Y 1.02
EPS Growth 51.70%
Revenue Growth 28.10%
EPS Gr Q/Q 57.20%
Rev Gr Q/Q —
Earnings (next) 2026-08-03
Earnings (prior) 2026-05-04
ROA 7.59%
ROE 12.80%
ROIC —
Gross Margin 24.77%
Oper. Margin 7.28%
Profit Margin 5.59%
Shs Outstand 62.94M
Shs Float 57.99M
Insider Own 3.40%
Instit Own 107.83%
Short Float 4.68%
Short Ratio 4.78
Short Interest 1.99M
52W High 40.43
vs 52W High -39.95%
52W Low 22.02
vs 52W Low 10.26%
Beta 1.40
Impl. Vol. 50.90%
Rel Volume 0.74
Avg Volume 640.17K
Volume 473.30K
Target (mean) $34.29
Tgt Median $35.00
Tgt Low $27.00
Tgt High $37.00
# Analysts 7
Recom Buy
Prev Close $24.82
Price $24.28
Change -2.18%
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.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$34.29
Mean price target
2. Current target
$24.28
Latest analyst target
3. DCF / Fair value
$32.26
Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$24.28
Low
$27.00
High
$37.00
Mean
$34.29

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-05-05 main Wedbush Outperform → Outperform $36
2026-05-05 main Baird Outperform → Outperform $34
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
News
RSS: Latest PAY news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-04-07 SHARMA DUSHYANT Chief Executive Officer — 480,000 $0.00 $0
2026-03-09 KALRA SANJAY Chief Financial Officer — 139,644 $0.00 $0
2026-03-09 PORTOCALIS GERASIMOS Officer — 139,644 $0.00 $0
2026-03-09 GERBER ANDREW A. General Counsel — 23,274 $0.00 $0
2025-07-02 SHARMA DUSHYANT Chief Executive Officer — 1,100,000 $0.00 $0
2025-06-09 DAVIDS JODY R Director — 4,698 $0.00 $0
2025-06-09 INGRAM WILLIAM Director — 4,698 $0.00 $0
2025-06-09 OBEROI ARUN Director — 4,698 $0.00 $0
2025-05-16 KALRA SANJAY Chief Financial Officer — 25,000 $40.02 $1,000,462
2025-05-15 OBEROI ARUN Director — 4,415 $38.06 $168,051
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
1,196.51
+37.25%
871.75
+41.86%
614.49
+23.64%
497.00
Operating Revenue
1,187.10
+37.76%
861.74
+42.06%
606.60
+23.70%
490.38
Cost Of Revenue
900.16
+42.08%
633.58
+46.61%
432.15
+24.42%
347.32
Reconciled Cost Of Revenue
900.16
+42.08%
633.58
+46.61%
432.15
+24.42%
347.32
Gross Profit
296.34
+24.42%
238.17
+30.62%
182.34
+21.82%
149.68
Operating Expense
220.80
+14.22%
193.31
+17.70%
164.25
+7.60%
152.65
Research And Development
61.47
+19.75%
51.33
+16.01%
44.25
+7.35%
41.22
Selling General And Administration
159.33
+12.22%
141.98
+18.31%
120.00
+7.69%
111.43
Selling And Marketing Expense
111.93
+6.55%
105.05
+25.07%
84.00
+14.60%
73.30
General And Administrative Expense
47.40
+28.36%
36.93
+2.56%
36.01
-5.60%
38.14
Other Gand A
47.40
+28.36%
36.93
+2.56%
36.01
-5.60%
38.14
Total Expenses
1,120.97
+35.56%
826.89
+38.65%
596.40
+19.28%
499.98
Operating Income
75.54
+68.40%
44.86
+147.92%
18.09
+707.96%
-2.98
Total Operating Income As Reported
75.54
+68.40%
44.86
+147.92%
18.09
+707.96%
-2.98
EBITDA
116.60
+43.34%
81.34
+67.05%
48.69
+130.91%
21.09
Normalized EBITDA
116.60
+43.34%
81.34
+67.05%
48.69
+130.91%
21.09
Reconciled Depreciation
41.06
+12.54%
36.48
+19.23%
30.60
+27.17%
24.06
EBIT
75.54
+68.40%
44.86
+147.92%
18.09
+707.96%
-2.98
Total Unusual Items
—
—
0.01
+140.00%
0.01
Total Unusual Items Excluding Goodwill
—
—
0.01
+140.00%
0.01
Net Income
66.94
+51.55%
44.17
+97.87%
22.32
+4451.27%
-0.51
Pretax Income
85.28
+58.08%
53.94
+114.71%
25.12
+2020.80%
-1.31
Net Non Operating Interest Income Expense
9.51
+8.74%
8.74
+24.55%
7.02
+322.07%
1.66
Interest Expense Non Operating
—
—
—
—
Net Interest Income
9.51
+8.74%
8.74
+24.55%
7.02
+322.07%
1.66
Interest Expense
—
—
—
—
Interest Income Non Operating
9.51
+8.74%
8.74
+24.55%
7.02
+322.07%
1.66
Interest Income
9.51
+8.74%
8.74
+24.55%
7.02
+322.07%
1.66
Other Income Expense
0.23
-33.62%
0.34
+2775.00%
0.01
+140.00%
0.01
Other Non Operating Income Expenses
0.23
-33.62%
0.34
+2775.00%
0.01
+140.00%
0.01
Gain On Sale Of Security
—
—
0.01
+140.00%
0.01
Tax Provision
18.34
+87.60%
9.78
+248.86%
2.80
+452.45%
-0.80
Tax Rate For Calcs
0.00
+18.78%
0.00
+61.61%
0.00
-46.67%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
66.94
+51.55%
44.17
+97.87%
22.32
+4451.27%
-0.51
Net Income From Continuing Operation Net Minority Interest
66.94
+51.55%
44.17
+97.87%
22.32
+4451.27%
-0.51
Net Income From Continuing And Discontinued Operation
66.94
+51.55%
44.17
+97.87%
22.32
+4451.27%
-0.51
Net Income Continuous Operations
66.94
+51.55%
44.17
+97.87%
22.32
+4451.27%
-0.51
Normalized Income
66.94
+51.55%
44.17
+97.87%
22.32
+4451.27%
-0.51
Net Income Common Stockholders
66.94
+51.55%
44.17
+97.87%
22.32
+4451.27%
-0.51
Diluted EPS
0.52
+48.57%
0.35
+94.44%
0.18
+4384.69%
-0.00
Basic EPS
0.53
+47.22%
0.36
+100.00%
0.18
+4384.69%
-0.00
Basic Average Shares
125.25
+0.70%
124.37
+0.70%
123.51
+1.16%
122.10
Diluted Average Shares
129.11
+1.10%
127.71
+2.11%
125.07
+2.43%
122.10
Diluted NI Availto Com Stockholders
66.94
+51.55%
44.17
+97.87%
22.32
+4451.27%
-0.51
Preferred Stock Dividends
—
—
—
—
Total Other Finance Cost
—
—
-7.02
-322.07%
-1.66
Line Item Trend 2023-12-31
Total Assets
504.86
Current Assets
270.35
Cash Cash Equivalents And Short Term Investments
179.36
Cash And Cash Equivalents
179.36
Receivables
76.65
Accounts Receivable
76.39
Gross Accounts Receivable
76.82
Allowance For Doubtful Accounts Receivable
-0.43
Taxes Receivable
0.26
Prepaid Assets
—
Restricted Cash
3.83
Other Current Assets
10.51
Total Non Current Assets
234.51
Net PPE
11.59
Gross PPE
18.20
Accumulated Depreciation
-6.61
Properties
0.00
Machinery Furniture Equipment
7.77
Other Properties
10.03
Leases
0.40
Goodwill And Other Intangible Assets
217.81
Goodwill
131.86
Other Intangible Assets
85.94
Non Current Deferred Assets
0.09
Non Current Deferred Taxes Assets
0.09
Other Non Current Assets
5.03
Total Liabilities Net Minority Interest
75.25
Current Liabilities
62.79
Payables And Accrued Expenses
56.85
Payables
35.55
Accounts Payable
35.18
Current Accrued Expenses
21.30
Total Tax Payable
0.36
Income Tax Payable
0.36
Current Debt And Capital Lease Obligation
1.85
Current Capital Lease Obligation
1.85
Current Deferred Liabilities
4.09
Current Deferred Revenue
4.09
Other Current Liabilities
—
Total Non Current Liabilities Net Minority Interest
12.46
Long Term Debt And Capital Lease Obligation
8.66
Long Term Capital Lease Obligation
8.66
Non Current Deferred Liabilities
3.80
Non Current Deferred Revenue
2.73
Non Current Deferred Taxes Liabilities
1.07
Other Non Current Liabilities
—
Stockholders Equity
429.62
Common Stock Equity
429.62
Capital Stock
0.01
Common Stock
0.01
Preferred Stock
0.00
Share Issued
123.82
Ordinary Shares Number
123.82
Treasury Shares Number
0.00
Additional Paid In Capital
377.77
Retained Earnings
51.74
Gains Losses Not Affecting Retained Earnings
0.09
Treasury Stock
0.00
Other Equity Adjustments
0.09
Total Equity Gross Minority Interest
429.62
Total Capitalization
429.62
Working Capital
207.56
Invested Capital
429.62
Total Debt
10.51
Capital Lease Obligations
10.51
Net Tangible Assets
211.81
Tangible Book Value
211.81
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
162.13
+154.78%
63.63
-7.55%
68.83
+246.44%
19.87
Cash Flow From Continuing Operating Activities
162.13
+154.78%
63.63
-7.55%
68.83
+246.44%
19.87
Net Income From Continuing Operations
66.94
+51.55%
44.17
+97.87%
22.32
+4451.27%
-0.51
Depreciation Amortization Depletion
41.06
+12.54%
36.48
+19.23%
30.60
+27.17%
24.06
Depreciation And Amortization
41.06
+12.54%
36.48
+19.23%
30.60
+27.17%
24.06
Other Non Cash Items
6.73
+13.45%
5.93
+23.91%
4.79
+14.19%
4.19
Stock Based Compensation
18.63
+69.49%
10.99
+17.04%
9.39
+39.40%
6.74
Provisionand Write Offof Assets
0.27
+306.06%
0.07
-25.00%
0.09
-82.36%
0.50
Deferred Tax
0.05
+103.71%
-1.35
-425.60%
0.41
+113.89%
-2.98
Deferred Income Tax
0.05
+103.71%
-1.35
-425.60%
0.41
+113.89%
-2.98
Change In Working Capital
28.46
+187.13%
-32.66
-2763.95%
1.23
+110.11%
-12.13
Change In Receivables
20.52
+143.78%
-46.88
-507.45%
-7.72
+66.41%
-22.97
Changes In Account Receivables
17.14
+139.30%
-43.62
-402.86%
-8.67
+64.62%
-24.52
Change In Prepaid Assets
-6.42
-87.88%
-3.42
-188.60%
-1.18
-197.77%
1.21
Change In Payables And Accrued Expense
15.67
-25.33%
20.98
+70.53%
12.30
+50.69%
8.17
Change In Accrued Expense
1.69
-76.41%
7.16
+13.85%
6.29
+84.94%
3.40
Change In Payable
13.98
+1.12%
13.82
+129.77%
6.02
+26.25%
4.77
Change In Account Payable
13.98
+1.12%
13.82
+129.77%
6.02
+26.25%
4.77
Change In Other Working Capital
1.18
+207.38%
-1.10
-203.88%
-0.36
-110.94%
3.30
Change In Other Current Liabilities
-2.49
-10.70%
-2.25
-24.00%
-1.82
+0.82%
-1.83
Investing Cash Flow
-36.52
+0.66%
-36.76
-7.18%
-34.30
+0.76%
-34.56
Cash Flow From Continuing Investing Activities
-36.52
+0.66%
-36.76
-7.18%
-34.30
+0.76%
-34.56
Net PPE Purchase And Sale
-0.36
+21.01%
-0.46
+23.83%
-0.60
+52.27%
-1.26
Purchase Of PPE
-0.36
+21.01%
-0.46
+23.83%
-0.60
+52.27%
-1.26
Capital Expenditure
-37.10
-1.43%
-36.58
-6.64%
-34.30
-9.58%
-31.30
Capital Expenditure Reported
-36.74
-1.71%
-36.12
-7.18%
-33.70
-13.22%
-29.76
Net Investment Purchase And Sale
0.58
+413.51%
-0.18
0.00
0.00
Purchase Of Investment
-2.52
+31.67%
-3.69
0.00
0.00
Sale Of Investment
3.10
-11.52%
3.51
0.00
0.00
Net Business Purchase And Sale
—
0.00
0.00
+100.00%
-3.26
Purchase Of Business
—
0.00
0.00
+100.00%
-3.26
Net Intangibles Purchase And Sale
—
0.00
0.00
+100.00%
-0.28
Purchase Of Intangibles
—
0.00
0.00
+100.00%
-0.28
Financing Cash Flow
-10.58
-5009.66%
-0.21
+82.68%
-1.20
+96.79%
-37.28
Cash Flow From Continuing Financing Activities
-10.58
-5009.66%
-0.21
+82.68%
-1.20
+96.79%
-37.28
Net Issuance Payments Of Debt
0.00
0.00
+100.00%
-0.10
+61.94%
-0.27
Issuance Of Debt
—
—
0.00
0.00
Repayment Of Debt
0.00
0.00
+100.00%
-0.10
+61.94%
-0.27
Long Term Debt Issuance
—
—
0.00
0.00
Long Term Debt Payments
0.00
0.00
+100.00%
-0.10
+61.94%
-0.27
Net Long Term Debt Issuance
0.00
0.00
+100.00%
-0.10
+61.94%
-0.27
Net Common Stock Issuance
—
—
0.00
0.00
Cash Dividends Paid
—
—
0.00
0.00
Repurchase Of Capital Stock
—
—
0.00
0.00
Proceeds From Stock Option Exercised
0.16
-52.07%
0.34
-45.13%
0.62
-58.66%
1.49
Net Other Financing Charges
-10.74
-1870.46%
-0.55
+68.11%
-1.71
+95.56%
-38.51
Changes In Cash
115.03
+331.38%
26.67
-20.00%
33.33
+164.13%
-51.98
Effect Of Exchange Rate Changes
0.10
+121.11%
-0.45
-355.68%
0.18
+204.76%
-0.17
Beginning Cash Position
209.41
+14.31%
183.19
+22.39%
149.69
-25.84%
201.83
End Cash Position
324.54
+54.98%
209.41
+14.31%
183.19
+22.39%
149.69
Free Cash Flow
125.03
+362.08%
27.06
-21.64%
34.53
+402.01%
-11.43
Income Tax Paid Supplemental Data
14.95
+3.79%
14.40
+930.33%
1.40
+108.04%
0.67
Common Stock Issuance
—
—
0.00
0.00
Issuance Of Capital Stock
—
—
0.00
0.00
Net Preferred Stock Issuance
—
—
0.00
0.00
Preferred Stock Dividend Paid
—
—
0.00
0.00
Preferred Stock Issuance
—
—
—
—
Preferred Stock Payments
—
—
0.00
0.00
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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