Paymentus Holdings, Inc. (PAY)
Technology · NYQ
Price as at 30 Sept 2026, 22:56 UTC. Quotes are delayed.
Fundamentals
Valuation and ratings
Paymentus Holdings, Inc. trades at $30.64, which is 28% above the $21.94 our fair value estimate puts on the business. On that measure it screens as expensive, which is not the same as saying it will fall.
Our moat model scores it 46 out of 100, which is a moat, but not a deep one. A moat is a structural reason competitors cannot take the profits away, and it matters more to a long holding period than any single quarter's numbers do.
It changes hands at 50.9 times earnings. Be careful reading that in isolation: for a cyclical business a low P/E arrives at the top of the cycle, when profits are peaking and about to fall, which is exactly when the shares look cheapest and are not.
PAY earnings and analyst estimates
Recommendation mix, 7 published ratings
Estimates are the published analyst consensus and move often. An earnings date is scheduled, not certain, and a share tends to reprice most violently on the day itself.
About Paymentus Holdings, Inc.
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.
Company profile, industry and headcount are as reported by our data provider and can lag a company's own filings by a reporting period. The annual report is the authority.
PAY passes 3 of our 30 screens today
Each screen prints the exact criteria it used, and the circumstances in which it is wrong.
Super investor ownership
9 of the funds we track reported a position in their latest SEC 13F filing. Largest first:
- Marshall Wace, MARSHALL WACE, LLP$17.17M · 0.0% of book
- Renaissance Technologies, RENAISSANCE TECHNOLOGIES LLC$6.97M · 0.0% of book
- Steve Cohen, Point72 Asset Management, L.P.$5.30M · 0.0% of book
- Israel Englander, MILLENNIUM MANAGEMENT LLC$2.29M · 0.0% of book
- Joel Greenblatt, Gotham Asset Management, LLC$2.26M · 0.0% of book
A word of warning on reading these figures: a 13F reports the market value of a holding, so a fund that traded nothing at all still appears to have sold when the price fell. We found 102 companies where the standard reading gives the opposite answer. Only the share count is honest.
PAY peers
The largest companies in the same industry (Software - Infrastructure), then in the same sector.
- MSFT Microsoft Corporation
- PLTR Palantir Technologies Inc.
- ORCL Oracle Corporation
- BSQKZ Block, Inc.
- CPAY Corpay, Inc.
- IOT Samsara Inc.
- TOST Toast, Inc.
- KSPI Joint Stock Company Kaspi.kz
Every technology company we cover is on the Technology hub.
Common questions
Is Paymentus Holdings, Inc. (PAY) undervalued?
Against our fair value estimate of $21.94, PAY at $30.64 is 28% above fair value. That is one model's answer, not a recommendation. It is built from normalized earning power with growth capped deliberately low, which understates companies whose value is mostly future growth.
Which funds own PAY?
9 of the institutions we track reported a position in PAY in their most recent SEC 13F filing. A 13F is filed up to 45 days after quarter end, so it tells you what a fund held then, not what it holds now.
What is PAY's P/E ratio?
PAY trades at 50.9 times earnings. A low P/E is not automatically cheap: on a cyclical company it is usually a warning that earnings are at a peak.
Where does SteadyShares get its PAY data?
Fundamentals for PAY come from company filings and exchange data, as listed on NYQ; institutional ownership comes from SEC 13F filings. The share price shown was last refreshed on 30 Sept 2026, 22:56 UTC and is delayed. Our data quality score for this company is 96/100, which is the share of the inputs behind our scores that were actually available rather than assumed. Metrics we do not hold are left out of the page rather than estimated.
The full research page for PAY, with financial statements, ownership detail, peer comparison and alerts, is free inside the app.
Data from company filings, exchange quotes and SEC EDGAR 13F disclosures. Quotes are delayed. Metrics we do not have are left out rather than estimated. Educational information, not financial advice.