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PAY PAY

Company Profile ↓
$40.00
+36.38% 1Y
Mkt Cap$5.02B
P/E76.92
P/B8.96
52W High$44.60
52W Low$20.21
Book Value$4.46
EPS (TTM)$0.52

Company Overview

PAY (PAY) is a publicly traded company listed on with a market capitalization of $5.02B. The valuation, growth and price-trend signals below summarize what matters most to investors and traders evaluating the stock.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 37.3% per year over the last five years.

Steady Revenue Expansion

Revenue has grown at a 38.4% CAGR over the past five years.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Dec 2025 Revenue of $1.20B (+37.3% YoY); net profit $66.94M.
  • Trailing 12 Months Year-on-year growth — revenue +37.2%, earnings +51.5%.
  • 5-Year Trend Long-term compounding — revenue CAGR 38.4%, profit CAGR 37.3%.

Growth & Price Performance

Compounded Sales Growth

5 Years:38.38%
1 Year:37.25%

Compounded Profit Growth

5 Years:37.34%
1 Year:51.55%

Stock Price Performance

1 Year:+36.38%
6 Months:+62.60%
3 Months:+51.63%
1 Month:+40.30%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 81% of range
$20.21 $44.60
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)68.46 · Neutral
Price Performance
1M+40.30%
3M+51.63%
6M+62.60%
1Y+36.38%

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Compounding revenue at 38.4% over 5 years.
  • Profit CAGR of 37.3% over 5 years.
  • Generates positive free cash flow.

CONS

  • Trading at a high P/E of 76.9.
  • In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
76.92
Industry PE
-
Forward P/E est.
50.76
PEG Ratio
-
Book Value
$4.46
Price to Book
8.96
P/S
-
EV/EBITDA
-
Dividend Yield
0.00%

Growth (CAGR)

Revenue 5Y
38.38%
Profit 5Y
37.34%
Revenue (YoY)
37.25%
Earnings (YoY)
51.55%

Profitability & Returns

ROCE
13.28%
ROE
11.94%
ROA
10.02%
Profit Margin
5.59%
Op Margin
6.31%
Gross Margin
24.77%
EPS (Latest Qtr)
$0.16
EPS (TTM)
$0.52

Balance Sheet & Liquidity

Debt/Equity
1.22
Quick Ratio
-
Current Ratio
4.46
Debt
$6.85M
Total Assets
$698.60M
Current Assets
$472.50M
Working Capital
$342.48M

Ownership

Promoter Holding
2.74%
Chg in Prom Hold
0.00%
FII / Inst Holding
93.06%
Chg in FII Hold
0.00%

Financial Snapshot

Enterprise Value
-
Total Revenue (TTM)
$1.20B
EBITDA
$116.60M
Free Cash Flow
$125.03M
Operating Cash Flow
$162.13M
Shares Outstanding
125.58M
Gross Margin
24.77%
Payout Ratio
-
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Mar 2020Jun 2020Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue -71.73M78.02M92.22M93.50M101.68M116.70M119.97M128.15M148.33M148.94M152.42M184.88M197.42M231.57M275.24M280.08M310.74M330.46M358.44M
Cost of Revenue ---------------209.21M208.60M235.89M246.47M272.21M
Gross Profit -23.40M22.65M27.55M28.93M31.16M34.85M35.83M37.86M40.08M45.86M46.91M52.73M58.75M60.66M66.02M71.48M74.85M83.99M86.23M
Operating Expenses ---------------50.34M55.55M54.99M59.92M59.68M
Operating Income -6.32M3.47M4.85M4.08M1.13M-1.37M-2.23M-917.00K-984.00K4.63M5.31M8.34M10.24M12.09M15.69M15.92M19.86M24.07M26.55M
EBITDA ---------------26.43M26.41M30.13M33.63M36.44M
Interest Expense --------------------
Pretax Income ---------------17.80M18.37M22.60M26.50M29.09M
Tax Provision ---------------3.99M3.66M4.86M5.83M8.21M
Net Income 2.78M4.68M2.61M3.64M575.00K422.00K1.72M-2.45M-737.00K704.00K5.84M6.38M7.23M9.36M14.43M13.81M14.71M17.74M20.67M20.88M
Diluted EPS -0.030.010.020.000.000.01-0.02-0.010.010.050.050.060.070.110.110.110.140.160.16
R&D Expense -5.98M6.22M7.73M7.92M8.82M10.39M10.19M10.35M11.65M10.91M11.04M12.05M12.54M13.19M15.10M15.23M15.22M-16.33M

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue 235.78M301.77M-497.00M614.49M871.75M1.20B
Cost of Revenue ---347.32M432.15M633.58M900.16M
Gross Profit 74.43M92.63M-149.68M182.34M238.17M296.34M
Operating Expenses ---152.65M164.25M193.31M220.80M
Operating Income 18.37M18.43M--2.98M18.09M44.86M75.54M
EBITDA ---21.09M48.69M81.34M116.60M
Interest Expense --6.00K----
Pretax Income ----1.31M25.12M53.94M85.28M
Tax Provision ----795.00K2.80M9.78M18.34M
Net Income 13.70M13.71M--513.00K22.32M44.17M66.94M
Diluted EPS 0.080.08--0.000.180.350.52
R&D Expense 17.86M24.51M34.12M41.22M44.25M51.33M61.47M

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --124.87M-461.54M504.86M576.25M667.88M
Current Assets ----228.96M270.35M345.64M441.33M
Cash & Equivalents --46.67M-147.33M179.36M205.90M320.91M
Inventory --------
Receivables ----67.79M76.39M119.82M102.34M
Total Liabilities --40.50M-64.36M75.25M90.65M107.50M
Current Liabilities --31.11M-51.50M62.79M81.55M98.85M
Long Term Debt --------
Total Debt ----12.63M10.51M8.41M6.85M
Total Equity 53.21M68.60M84.38M-397.18M429.62M485.60M560.39M
Shares Outstanding ----123.24M123.82M124.84M125.58M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 17.51M35.62M-19.87M68.83M63.63M162.13M
Investing Cash Flow -13.90M-15.14M--34.56M-34.30M-36.76M-36.52M
Financing Cash Flow -857.00K-1.36M--37.28M-1.20M-207.00K-10.58M
Capital Expenditure -1.04M-458.00K--31.30M-34.30M-36.58M-37.10M
Free Cash Flow 16.47M35.16M--11.43M34.53M27.06M125.03M
Net Change in Cash ----51.98M33.33M26.67M115.03M

Ratios (Annual)

Figures in %.

Metric Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % 31.6%30.7%-30.1%29.7%27.3%24.8%
Operating Margin % 7.8%6.1%--0.6%2.9%5.1%6.3%
Net Margin % 5.8%4.5%--0.1%3.6%5.1%5.6%
ROE % 20.0%16.2%--0.1%5.2%9.1%11.9%
ROCE % -19.7%--0.7%4.1%9.1%13.3%

Shareholding Pattern

Insiders
2.74%
Institutions
93.06%
Public Float
95.68%

Analyst View

Loading analyst coverage…

Latest News

Recent headlines for PAY

Yahoo Finance ue, 04 Aug 2026

Paymentus Holdings Inc (PAY) (Q2 2026) Earnings Call Highlights: Record Revenue and ...

Paymentus Holdings Inc (PAY) reports record Q2 2026 revenue of $360.7 million, up 28.8% year-over-year, with adjusted EBITDA soaring 54% to $48.8 million.

Yahoo Finance ue, 04 Aug 2026

Paymentus Q2 Earnings Call Highlights

Paymentus (NYSE:PAY) reported record second-quarter revenue of $360.7 million, up 28.8% from a year earlier, as higher transaction volumes, new biller launches and growth from existing customers helped the billing and payments company excee…

Yahoo Finance Mon, 03 Aug 2026

Paymentus (PAY) Surpasses Q2 Earnings and Revenue Estimates

Paymentus (PAY) delivered earnings and revenue surprises of +25.00% and +4.45%, respectively, for the quarter ended June 2026. Do the numbers hold clues to what lies ahead for the stock?

Yahoo Finance Mon, 03 Aug 2026

Paymentus (NYSE:PAY) Reports Strong Q2 CY2026, Stock Jumps 11.9%

Digital payment platform Paymentus (NYSE:PAY) reported Q2 CY2026 results beating Wall Street’s revenue expectations, with sales up 28.8% year on year to $360.7 million. Guidance for next quarter’s revenue was better than expected at $358 mi…

Yahoo Finance Mon, 03 Aug 2026

Paymentus Reports Second Quarter 2026 Financial Results

ADDISON, Texas, August 03, 2026--Paymentus Holdings, Inc. ("Paymentus") (NYSE: PAY), a leading provider of cloud-based bill payment technology and solutions, today announced its unaudited financial results for the quarter ended June 30, 202…

Yahoo Finance Sun, 02 Aug 2026

What To Expect From Paymentus’s (PAY) Q2 Earnings

Digital payment platform Paymentus (NYSE:PAY) will be reporting results this Monday after market hours. Here’s what investors should know.

PAY — Frequently Asked Questions

What is the current share price of PAY?

As of 2026-08-05 17:25 PDT, PAY trades at $40.00 on NASDAQ/NYSE. Its 52-week range is $20.21 to $44.60.

What is the market capitalisation of PAY?

PAY has a market capitalisation of $5.02B on NASDAQ/NYSE.

What is the P/E ratio of PAY?

PAY trades at a trailing price-to-earnings (P/E) ratio of 76.92. Its price-to-book (P/B) ratio is 8.96.

What is the return on equity (ROE) of PAY?

PAY has a return on equity (ROE) of 11.94%. Its return on capital employed (ROCE) is 13.28%.

Is PAY a good stock to buy?

This page provides a data-driven analysis of PAY, including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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