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Paymentus Holdings, Inc. PAY R3KTECH

Technology · Software - Infrastructure · United States
https://www.paymentus.com
Company Profile ↓
$35.65
-3.26% 1Y
Mkt Cap$2.25B
P/E54.02
P/B7.19
52W High$44.60
52W Low$20.21
Book Value$4.87
EPS (TTM)$0.66

Company Overview

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.

Why Investors Should Care

Strong Return on Equity

Generates a return on equity of 15.0%, reflecting efficient use of shareholder capital.

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 +28.8%, earnings +81.8%.
  • 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:28.80%

Compounded Profit Growth

5 Years:37.34%
1 Year:81.80%

Stock Price Performance

1 Year:-3.26%
6 Months:+38.29%
3 Months:+73.65%
1 Month:-7.57%

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

Technical Snapshot Bullish
52-Week Range 63% of range
$20.21 $44.60
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)46.77 · Neutral
Price Performance
1M-7.57%
3M+73.65%
6M+38.29%
1Y-3.26%
Valuation vs Sector

P/E of 54.02 is above the sector median of 29.22 — pricier than peers.

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.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

  • Trading at a high P/E of 54.0.

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

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Valuation

Stock P/E
54.02
Industry PE
29.22
Forward P/E
32.68
PEG Ratio
-
Book Value
$4.87
Price to Book
7.19
P/S
3.24
EV/EBITDA
37.38
Dividend Yield
0.00%

Growth (CAGR)

Revenue 5Y
38.38%
Profit 5Y
37.34%
Revenue (YoY)
28.80%
Earnings (YoY)
81.80%

Profitability & Returns

ROCE
13.28%
ROE
15.02%
ROA
9.65%
Profit Margin
6.24%
Op Margin
9.04%
Gross Margin
24.95%
EPS (Latest Qtr)
$0.20
EPS (TTM)
$0.66

Balance Sheet & Liquidity

Debt/Equity
1.69
Quick Ratio
4.79
Current Ratio
4.89
Debt
$10.39M
Total Assets
$725.37M
Current Assets
$472.50M
Working Capital
$342.48M

Ownership

Promoter Holding
2.90%
Chg in Prom Hold
0.03%
FII / Inst Holding
101.22%
Chg in FII Hold
-0.03%

Financial Snapshot

Enterprise Value
$2.25B
Total Revenue (TTM)
$1.36B
EBITDA
$108.23M
Free Cash Flow
$109.50M
Operating Cash Flow
$159.52M
Shares Outstanding
63.11M
Gross Margin
24.95%
Payout Ratio
0.00%

Peer comparison

Peer companies in the same sector (Technology).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 PAY Paymentus Holdings, Inc. R3KTECH 35.65 54.02 $2.25B 0.00% 13.28% 15.02% 38.38% 37.34%
2 NVDA NVIDIA Corporation NDXSPXR3KAITECH 225.73 28.50 $5.45T 0.46% 74.66% 117.21% 24.64% 32.12%
3 AAPL Apple Inc. NDXSPXR3KTECH 316.22 36.22 $4.61T 0.34% 68.72% 148.75% 1.81% 3.92%
4 MSFT Microsoft Corporation NDXSPXR3KAITECH 493.95 27.49 $3.67T 0.79% 26.33% 34.04% 9.93% 11.90%
5 TSM Taiwan Semiconductor Manufacturing Company Limited AITECH 439.00 32.71 $2.28T 0.95% 30.20% 39.97% 18.94% 19.57%
6 AVGO Broadcom Inc. NDXSPXR3KAITECH 368.56 46.95 $1.75T 0.71% 16.70% 44.25% 17.04% 54.08%
7 MU Micron Technology, Inc. NDXSPXR3KAITECH 1,000.26 22.59 $1.13T 0.05% 13.69% 66.64% 13.68% 26.02%
8 AMD Advanced Micro Devices, Inc. NDXSPXR3KAITECH 505.74 128.36 $825.61B 0.00% 5.47% 10.20% 11.81% 66.28%
9 ASML ASML Holding N.V. NDXAITECH 1,764.85 59.89 $677.88B 0.51% 42.97% 53.94% 15.55% 19.55%
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 2026Jun 2026
Revenue -71.73M78.02M92.22M93.50M101.68M116.70M119.97M128.15M148.33M148.94M152.42M184.88M197.42M231.57M275.24M280.08M310.74M330.46M358.44M360.74M
Cost of Revenue ---------------209.21M208.60M235.89M246.47M272.21M-
Gross Profit -23.40M22.65M27.55M28.93M31.16M34.85M35.83M37.86M40.08M45.86M46.91M52.73M58.75M60.66M66.02M71.48M74.85M83.99M86.23M94.31M
Operating Expenses ---------------50.34M55.55M54.99M59.92M59.68M-
Operating Income -6.32M3.47M4.85M4.08M1.13M-1.37M-2.23M-917.00K-984.00K4.63M5.31M8.34M10.24M12.09M15.69M15.92M19.86M24.07M26.55M32.62M
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-737.00K704.00K5.84M6.38M7.23M9.36M14.43M13.81M14.71M17.74M20.67M20.88M25.56M
Diluted EPS -0.030.010.020.000.000.01-0.02-0.010.010.050.050.060.070.110.110.110.140.160.160.20
R&D Expense -5.98M6.22M7.73M7.92M8.82M10.39M10.19M10.35M11.65M10.91M11.04M12.05M12.54M13.19M15.10M15.23M15.22M-16.33M15.32M

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
2.90%
Institutions
101.22%
Public Float
104.25%

Top Institutional Holders

#Holder% HeldSharesValue
1 Capital International Investors 11.20% 7.07M $247.73M
2 Wasatch Advisors LP 9.80% 6.19M $216.83M
3 Blackrock Inc. 7.36% 4.64M $162.70M
4 Capital World Investors 6.78% 4.28M $149.83M
5 Brown Brothers Harriman & Co 4.47% 2.82M $98.85M
6 Vanguard Portfolio Management LLC 4.06% 2.56M $89.83M
7 Vanguard Capital Management LLC 4.00% 2.52M $88.45M
8 Fuller & Thaler Asset Management Inc. 3.08% 1.95M $68.20M
9 Geode Capital Management, LLC 2.33% 1.47M $51.60M
10 Franklin Resources, Inc. 2.05% 1.29M $45.32M

Analyst View

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PAY — Frequently Asked Questions

What is the current share price of Paymentus Holdings, Inc. (PAY)?

As of 2026-09-19 21:16 PDT, Paymentus Holdings, Inc. (PAY) trades at $35.65 on NYSE. Its 52-week range is $20.21 to $44.60.

What is the market capitalisation of PAY?

Paymentus Holdings, Inc. (PAY) has a market capitalisation of $2.25B on NYSE.

What is the P/E ratio of PAY?

PAY trades at a trailing price-to-earnings (P/E) ratio of 54.02. The industry average P/E is 29.22. Its price-to-book (P/B) ratio is 7.19.

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

PAY has a return on equity (ROE) of 15.02%. Its return on capital employed (ROCE) is 13.28%.

Is PAY a good stock to buy?

This page provides a data-driven analysis of Paymentus Holdings, Inc. (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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