Paymentus Holdings, Inc. (PAY) stock

PAYNYSEServices-Business Services, NECFiscal year ends December 31

Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 3, 2026Score 18/306% above fair value

$34.41+0.66 (+1.96%)

Close on Nov 13, 2026Market cap $4.33BP/E 47.1Yield –

Paymentus statistics

95 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.

Important dates

Next earnings: Feb 22, 2027 (estimated, during market hours)
Last ex-dividend date: No dividends
Fundamentals through: Sep 30, 2026
Share price as of: Nov 13, 2026

Valuation ratiosIndustry

Market Cap: $4.33B; $792.38M
Enterprise Value: $3.93B; $779.89M
PE Ratio: 47.14; 25.88
PS Ratio: 3.05; 2.33
PB Ratio: 6.74; 2.73
P/TBV Ratio: 8.63; 4.73
P/FCF Ratio: 25.86; 15.38
P/OCF Ratio: 25.79; 12.99

Enterprise valuationIndustry

EV / Sales: 2.76; 2.10
EV / EBITDA: 28.71; 16.18
EV / EBIT: 33.62; 21.00
EV / FCF: 23.42; 15.48

Share statisticsIndustry

Shares Outstanding: 126M; 59M
Shares Change (YoY): 0.34%; 1.88%
Float: 20M; 53M
Shares Held by Insiders: 84.1%; 13.1%
Shares Held by Institutions: 44.9%; 62.6%

Short sellingIndustry

Short Interest: 2M; –
Short Interest Change: -19.0%; -3.30%
Short % of Float: 10.9%; 5.82%
Short % of Shares Outstanding: 1.72%; 4.22%
Days to Cover: 3.26; 3.54

Stock price statisticsIndustry

52-Week High: $45.31; –
52-Week Low: $20.11; –
20-Day Moving Average: $33.14; –
50-Day Moving Average: $33.00; –
200-Day Moving Average: $29.03; –
Average True Range (14): $1.51; –
Price Change (1 Week): 2.81%; 0.50%
Price Change (1 Month): 7.10%; -1.81%
Price Change (3 Months): -15.4%; -4.67%
Price Change (6 Months): 41.7%; 0.47%
Price Change (YTD): 8.93%; -13.6%
Price Change (1 Year): -6.44%; -13.9%
Price Change (3 Years): 104.8%; -16.1%
Price Change (5 Years): 16.6%; -57.0%
Average Volume (10 Days): 846,244; –
Average Volume (20 Days): 761,427; –
Average Volume (90 Days): 1M; –
Relative Volume: 0.31; 0.64
Relative Strength Index (14): 56.0; 47.4
Volatility (1 Year): 59.1%; 65.4%
Beta (5 Years): 1.43; 1.19

MarginsIndustry

Gross Margin: 25.2%; 55.6%
Operating Margin: 8.21%; -2.03%
Pretax Margin: 9.01%; -0.85%
Profit Margin: 6.65%; -2.58%
EBITDA Margin: 9.62%; 0.72%
FCF Margin: 11.8%; 9.88%

Returns on capitalIndustry

Return on Equity (ROE): 16.0%; 1.34%
Return on Assets (ROA): 13.4%; -3.24%
Return on Invested Capital (ROIC): 35.8%; -0.09%
Return on Capital Employed (ROCE): 17.9%; -0.55%

Financial positionIndustry

Current Ratio: 4.82; 1.37
Quick Ratio: 3.68; 0.94

GrowthIndustry

Revenue Growth (YoY): 26.5%; 9.45%
Net Income Growth (YoY): 59.2%; 9.41%
EPS Growth (YoY): 58.7%; 12.3%
FCF Growth (YoY): 16.0%; 14.3%
Revenue Growth (3Y CAGR): 34.0%; 7.44%
Revenue Growth (5Y CAGR): 31.7%; 12.3%
EPS Growth (5Y CAGR): 45.4%; 12.4%

EfficiencyIndustry

Asset Turnover: 2.02; 0.64
Revenue Per Employee: $1.06M; $394.08K
Profits Per Employee: $70.59K; -$7.02K
Employee Count: 1,340; 525
WACC: 12.3%; 10.3%

Income statement (TTM)Industry

Revenue: $1.42B; $257.79M
Gross Profit: $358.38M; $158.22M
Operating Income: $116.78M; -$638.82K
Pretax Income: $128.08M; -$315.88K
Net Income: $94.59M; -$309.55K
EBITDA: $136.74M; -$78.29K
EPS (Diluted): $0.73; $0.00

Balance sheetIndustry

Cash & Short-Term Investments: $407.62M; $41.99M
Net Cash (Debt): $407.62M; $1.76M
Net Cash Per Share: $3.24; $0.12
Equity (Book Value): $643.24M; $51.00M
Book Value Per Share: $5.11; $1.98
Tangible Book Value: $501.93M; $2.87M
Working Capital: $423.16M; $16.25M

Cash flow (TTM)Industry

Operating Cash Flow: $168.06M; $5.65M
Capital Expenditures: -$454.00K; -$5.67M
Free Cash Flow: $167.61M; $35.58M
FCF Per Share: $1.33; $0.53

Dividends and yieldsIndustry

Earnings Yield: 2.18%; 0.37%
FCF Yield: 3.87%; 4.39%

Taxes and interestIndustry

Income Tax: $33.49M; $1.63M
Effective Tax Rate: 26.1%; 22.4%

Scores and fair valueIndustry

Graham Number: $9.16; $16.88
Graham Upside: -73.4%; -55.0%
Altman Z-Score: 25.02; 1.96
Piotroski F-Score: 7; 5
Lynch Fair Value: $18.25; –
Lynch Upside: -47.0%; -35.3%

Total return vs. the S&P 500

Price change plus reinvested dividends, to the close on Nov 13, 2026. The S&P 500 is measured by the SPY fund.

Period	PAY	S&P 500	Difference	PAY per year	S&P 500 per year
1 month	+8.0%	-3.0%	+11.0 pts
3 months	-18.4%	-2.8%	−15.7 pts
Year to date	+8.9%	+11.5%	−2.6 pts
1 year	-8.4%	+13.5%	−21.9 pts
3 years	+114.7%	+77.7%	+37.0 pts	+29.0%	+21.1%
5 years	+16.6%	+72.6%	−56.0 pts	+3.1%	+11.5%

Short interest

Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.

2M PAY shares were sold short on Oct 30, 2026, down 19.0% from the previous report, or 10.86% of the shares available to trade. At recent volumes it would take 3.3 days to buy them back. Over the last 20 sessions, 52.3% of the volume reported to FINRA was short selling.

Settlement date	Shares short	Change	Avg. daily volume	Days to cover
Oct 30, 2026	2,170,865	-19.0%	665,566	3.3
Oct 15, 2026	2,680,570	-2.5%	837,699	3.2
Sep 30, 2026	2,749,840	-16.5%	1,394,035	2.0
Sep 15, 2026	3,292,456	+17.6%	965,724	3.4
Aug 31, 2026	2,799,091	-13.3%	1,233,216	2.3
Aug 14, 2026	3,227,464	-24.2%	1,389,471	2.3
Jul 31, 2026	4,255,438	+10.0%	1,014,617	4.2
Jul 15, 2026	3,867,170	+17.7%	1,021,035	3.8
Jun 30, 2026	3,284,666	+88.2%	2,011,638	1.6
Jun 15, 2026	1,745,553	+3.3%	959,708	1.8
May 29, 2026	1,689,941	-15.7%	765,450	2.2
May 15, 2026	2,004,308	-0.7%	703,443	2.9