Paymentus Holdings, Inc. (PAY)Technology | Software - Infrastructure | Charlotte, United States | NYSE
35.99 USD
+0.38
(1.067%)
⇧
(Aug. 28, 2026, 4 p.m.
EDT)
After hours: 36.00 +0.01 (0.028%) ⇧ (Aug. 28, 2026, 7:50 p.m. EDT) |
Hot Take ↕ | Aug. 22, 2026, 3:12 a.m. EDT
The long-term investment case remains robust, driven by exceptional fundamentals: revenue grew 28.8% recently, earnings jumped 81.8%, and the company boasts a fortress balance sheet with a current ratio of 4.89 and minimal debt relative to equity. The multi-year price trajectory confirms this quality, showing a cumulative gain of 44% over four years with no recent consecutive declines, validating the market's reassessment of the business. However, the short-term outlook is clouded by valuation concerns; trading at a forward P/E of 37x and a price-to-book of 8.2x leaves little room for error if growth slows. The options market reflects this tension, with traders aggressively buying deep out-of-the-money puts as insurance against volatility while maintaining a bullish stance at the money. Without a dividend to provide a floor, the stock relies entirely on continued execution to justify its premium, making it a strong buy for the long term but a risky hold for the immediate future. |
| Model | MAE |
|---|---|
| MSTL ✓ | 0.182632 |
| AutoETS | 0.184776 |
| AutoTheta | 0.184851 |
| AutoARIMA | 0.185642 |
Forecast horizon: 45 days | Selected: MSTL
| Forecast Reliability | |
|---|---|
| Score | 35% |
| H-stat | 4.14 |
| Ljung-Box p | 0.000 |
| Jarque-Bera p | 0.305 |
| Excess Kurtosis | -0.57 |
| Attribute | Value |
|---|---|
| Sector | Technology |
| Debt to Equity Ratio | 1.694 |
| Revenue per Share | 10.831 |
| Market Cap | 4,532,568,064 |
| Trailing P/E | 53.72 |
| Forward P/E | 33.61 |
| Beta | 1.31 |
| Profit Margins | 6.24% |
| Website | https://www.paymentus.com |
As of Aug. 22, 2026, 3:12 a.m. EDT: Speculators are positioning defensively with heavy out-of-the-money put volume and significant open interest walls at strikes well below the current price (e.g., $17, $21, $27), suggesting a fear of a sharp correction. Conversely, call activity is concentrated in the money and at the money, with notable open interest at the $45 strike, indicating a belief that the stock can sustain or exceed current levels despite the defensive hedging.
| Attribute | Value |
|---|---|
| 52 Week Change | -0.042054832 |
| Address1 | 11,605 North Community House Road |
| Address2 | Suite 300 |
| All Time High | 45.31 |
| All Time Low | 6.75 |
| Ask | 36.98 |
| Ask Size | 200 |
| Average Analyst Rating | 2.1 - Buy |
| Average Daily Volume10 Day | 1,250,050 |
| Average Daily Volume3 Month | 1,261,149 |
| Average Volume | 1,261,149 |
| Average Volume10Days | 1,250,050 |
| Beta | 1.312 |
| Bid | 34.65 |
| Bid Size | 500 |
| Book Value | 4.871 |
| City | Charlotte |
| Compensation As Of Epoch Date | 1,767,139,200 |
| Country | United States |
| Crypto Tradeable | 0 |
| Currency | USD |
| Current Price | 35.99 |
| Current Ratio | 4.886 |
| Custom Price Alert Confidence | HIGH |
| Date Short Interest | 1,786,665,600 |
| Day High | 36.66 |
| Day Low | 35.19 |
| Debt To Equity | 1.694 |
| Display Name | Paymentus |
| Earnings Call Timestamp End | 1,785,790,800 |
| Earnings Call Timestamp Start | 1,785,790,800 |
| Earnings Growth | 0.818 |
| Earnings Quarterly Growth | 0.738 |
| Earnings Timestamp | 1,785,787,200 |
| Earnings Timestamp End | 1,793,649,600 |
| Earnings Timestamp Start | 1,793,649,600 |
| Ebitda | 108,233,000 |
| Ebitda Margins | 0.07956 |
| Enterprise To Ebitda | 38.484 |
| Enterprise To Revenue | 3.062 |
| Enterprise Value | 4,165,263,872 |
| Eps Current Year | 0.92625 |
| Eps Forward | 1.07096 |
| Eps Trailing Twelve Months | 0.67 |
| Esg Populated | 0 |
| Exchange | NYQ |
| Exchange Data Delayed By | 0 |
| Exchange Timezone Name | America/New_York |
| Exchange Timezone Short Name | EDT |
| Fifty Day Average | 32.4418 |
| Fifty Day Average Change | 3.5482025 |
| Fifty Day Average Change Percent | 0.10937133 |
| Fifty Two Week Change Percent | -4.2054834 |
| Fifty Two Week High | 45.31 |
| Fifty Two Week High Change | -9.32 |
| Fifty Two Week High Change Percent | -0.2056941 |
| Fifty Two Week Low | 20.11 |
| Fifty Two Week Low Change | 15.880001 |
| Fifty Two Week Low Change Percent | 0.78965694 |
| Fifty Two Week Range | 20.11 - 45.31 |
| Financial Currency | USD |
| First Trade Date Milliseconds | 1,622,035,800,000 |
| Float Shares | 58,633,721 |
| Forward Eps | 1.07096 |
| Forward P E | 33.605362 |
| Free Cashflow | 109,502,752 |
| Full Exchange Name | NYSE |
| Full Time Employees | 1,340 |
| Fullday Change | 0.380001 |
| Fullday Change Percent | 1.06712 |
| Fullday Price | 36.0 |
| Gmt Off Set Milliseconds | -14,400,000 |
| Gross Margins | 0.24948 |
| Gross Profits | 339,384,000 |
| Has Pre Post Market Data | 1 |
| Held Percent Insiders | 0.02868 |
| Held Percent Institutions | 1.01254 |
| Implied Shares Outstanding | 125,939,647 |
| Industry | Software - Infrastructure |
| Industry Disp | Software - Infrastructure |
| Industry Key | software-infrastructure |
| Ipo Expected Date | 2,021-05-26 |
| Is Earnings Date Estimate | 0 |
| Language | en-US |
| Last Fiscal Year End | 1,767,139,200 |
| Long Business Summary | 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. |
| Long Name | Paymentus Holdings, Inc. |
| Market | us_market |
| Market Cap | 4,532,568,064 |
| Market State | CLOSED |
| Max Age | 86,400 |
| Message Board Id | finmb_713430507 |
| Most Recent Quarter | 1,782,777,600 |
| Net Income To Common | 84,857,000 |
| Next Fiscal Year End | 1,798,675,200 |
| Non Diluted Market Cap | 4,484,710,829 |
| Number Of Analyst Opinions | 6 |
| Open | 35.66 |
| Operating Cashflow | 159,519,008 |
| Operating Margins | 0.09043 |
| Payout Ratio | 0.0 |
| Phone | 888 440 4826 |
| Post Market Change | 0.0099983215 |
| Post Market Change Percent | 0.02778083 |
| Post Market Price | 36.0 |
| Post Market Time | 1,787,961,038 |
| Previous Close | 35.61 |
| Price Eps Current Year | 38.855602 |
| Price Hint | 2 |
| Price To Book | 7.388627 |
| Price To Sales Trailing12 Months | 3.3318594 |
| Profit Margins | 0.06238 |
| Quick Ratio | 4.787 |
| Quote Source Name | Delayed Quote |
| Quote Type | EQUITY |
| Recommendation Key | buy |
| Recommendation Mean | 2.14286 |
| Region | US |
| Regular Market Change | 0.380001 |
| Regular Market Change Percent | 1.06712 |
| Regular Market Day High | 36.66 |
| Regular Market Day Low | 35.19 |
| Regular Market Day Range | 35.19 - 36.66 |
| Regular Market Open | 35.66 |
| Regular Market Previous Close | 35.61 |
| Regular Market Price | 35.99 |
| Regular Market Time | 1,787,947,202 |
| Regular Market Volume | 1,130,941 |
| Return On Assets | 0.096540004 |
| Return On Equity | 0.15017 |
| Revenue Growth | 0.288 |
| Revenue Per Share | 10.831 |
| Sand P52 Week Change | 0.20204377 |
| Sector | Technology |
| Sector Disp | Technology |
| Sector Key | technology |
| Shares Outstanding | 63,114,220 |
| Shares Percent Shares Out | 0.0256 |
| Shares Short | 3,227,464 |
| Shares Short Previous Month Date | 1,784,073,600 |
| Shares Short Prior Month | 3,867,170 |
| Short Name | Paymentus Holdings, Inc. |
| Short Percent Of Float | 0.075500004 |
| Short Ratio | 2.79 |
| Source Interval | 15 |
| State | NC |
| Symbol | PAY |
| Target High Price | 45.0 |
| Target Low Price | 36.0 |
| Target Mean Price | 39.33333 |
| Target Median Price | 39.0 |
| Total Cash | 377,694,016 |
| Total Cash Per Share | 2.999 |
| Total Debt | 10,390,000 |
| Total Revenue | 1,360,371,968 |
| Tradeable | 0 |
| Trailing Annual Dividend Rate | 0.0 |
| Trailing Annual Dividend Yield | 0.0 |
| Trailing Eps | 0.67 |
| Trailing P E | 53.71642 |
| Trailing Peg Ratio | None |
| Triggerable | 1 |
| Two Hundred Day Average | 28.73135 |
| Two Hundred Day Average Change | 7.2586517 |
| Two Hundred Day Average Change Percent | 0.25263873 |
| Type Disp | Equity |
| Volume | 1,130,941 |
| Website | https://www.paymentus.com |
| Zip | 28,277 |