Paymentus Holdings, Inc. (PAY) Stock Price & Analysis
Paymentus Holdings, Inc. (PAY) closed at USD 32.13 on Thursday, October 15, 2026, up 4.97% on the day. The US market is currently closed; this is not a live price.
The prior close was USD 30.61; the Oct 15, 2026 session ranged USD 30.86–32.19 on volume of 969,754 shares. Market capitalization is $4.05B, with a 52-week range of USD 20.11–45.31 (NYQ). Source: Nexqual, retrieved October 16, 2026 at 05:20 UTC.
Also available as compact Markdown for AI agents: nexqual.com/PAY.md
Key facts (PAY)
- Last four reported quarters (through Jun 30, 2026): revenue $1.36B, net income $84.9M (6.2% margin), free cash flow $159M (SEC filings).
- Valuation: P/E 47.7x (avg 85.2x at the last 3 fiscal year-ends).
- Analysts: Hold (mean 2.50 on a 1–5 scale) (8 analysts), mean target USD 40.14 (range 36–45).
- Total return with dividends: 1Y +10.8% vs S&P 500 +18.1%; 5Y +33.6% vs S&P 500 +85.1%.
- Next earnings: 2026-11-02, EPS estimate USD 0.21, revenue estimate $358M.
Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (PAY)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $396M | $497M | $614M | $872M | $1.20B | $1.36B |
| Gross profit | $121M | $150M | $182M | $238M | $296M | — |
| Operating income | $10.4M | -$3.0M | $18.1M | $44.9M | $75.5M | $103M |
| Net income | $9.3M | -$513K | $22.3M | $44.2M | $66.9M | $84.9M |
| EPS (diluted) | $0.06 | $0.00 | $0.18 | $0.35 | $0.52 | — |
| Free cash flow | $18.5M | $18.6M | $68.2M | $63.2M | $162M | $159M |
| Gross margin | 30.7% | 30.1% | 29.7% | 27.3% | 24.8% | — |
| Operating margin | 2.6% | -0.6% | 2.9% | 5.1% | 6.3% | 7.6% |
| Net margin | 2.4% | -0.1% | 3.6% | 5.1% | 5.6% | 6.2% |
| Revenue growth | +31.1% | +25.7% | +23.6% | +41.9% | +37.3% | — |
| Cash + short-term investments | $168M | $147M | $179M | $206M | $321M | — |
Fiscal years end Dec. EPS is split-adjusted.
Valuation (price ÷ last four quarters, through Jun 30, 2026) (PAY)
P/E 47.7x · P/S 3.0x · P/FCF 25.4x · P/B 6.6x · FCF yield 3.93% · Earnings yield 2.10%
P/E at fiscal year-ends: Dec 2025 60.9x, Dec 2024 94.5x, Dec 2023 100.1x.
Analysts (PAY)
Consensus Hold (mean 2.50 on a 1–5 scale), 8 analysts; mean target USD 40.14 (low 36, high 45).
Rating changes, last 120 days:
| Date | Firm | Action | Rating | Price target |
|---|---|---|---|---|
| 2026-09-17 | Seaport Global | Initiated | Buy | $42 |
| 2026-09-15 | Freedom Capital Markets | Target raised | Buy | $40 → $43 |
| 2026-08-25 | Wolfe Research | Downgrade | Outperform → Peer Perform | |
| 2026-08-04 | Goldman Sachs | Target raised | Neutral | $32 → $40 |
| 2026-08-04 | Baird | Target raised | Neutral | $34 → $38 |
| 2026-07-30 | Baird | Downgrade | Outperform → Neutral | $34 |
Total return (dividends reinvested) (PAY)
| 1Y (from 2025-10-16) | 5Y (from 2021-10-11) | |
|---|---|---|
| Total return | +10.8% | +33.6% |
| S&P 500 (SPY) | +18.1% | +85.1% |
| Per year | +10.9% | +6.0% |
| Volatility (annualized) | 60.6% | 59.1% |
| Max drawdown | -46.5% (Nov 2025→Jun 2026) | -79.5% (Dec 2021→Dec 2022) |
Key Statistics (as of October 16, 2026 at 05:20 UTC)
| Price | USD 32.13 |
|---|---|
| Change | ▲ 4.97% (up) |
| Previous Close | USD 30.61 |
| Open | USD 30.7 |
| Day Range | USD 30.86 – 32.19 |
| 52-Week Range | USD 20.11 – 45.31 |
| Volume | 969,754 shares |
| Market Cap | $4.05B |
| Exchange | NYQ |
Technical Analysis (PAY)
Nexqual's technical model rates PAY "SELL" based on 1 bullish and 5 bearish signals across 127 daily candles, as of October 16, 2026 at 05:20 UTC.
| Overall Signal | SELL |
|---|---|
| RSI (14) | 47.9 (neutral) |
| vs SMA50 | Below (USD 35.39) |
| MACD | -0.86 (negative) |
Analyst Ratings (PAY)
Wall Street analysts rate PAY "Hold" based on 8 analysts, with a mean price target of USD 40.14 (range USD 36–45), per Nexqual as of October 16, 2026 at 05:20 UTC.
| Consensus Rating | Hold |
|---|---|
| Analyst Count | 8 |
| Mean Target | USD 40.14 |
| High Target | USD 45 |
| Low Target | USD 36 |
| Buy / Hold / Sell | 4 / 4 / 0 |
Earnings (PAY)
| Next Earnings Date | 2026-11-02 |
|---|---|
| EPS Estimate | USD 0.21 |
| Revenue Estimate | $358.33M |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-06-30 | USD 0.25 vs est 0.19 ▲ beat |
| 2026-03-31 | USD 0.21 vs est 0.18 ▲ beat |
| 2025-12-31 | USD 0.2 vs est 0.16 ▲ beat |
| 2025-09-30 | USD 0.17 vs est 0.15 ▲ beat |
Source: Nexqual, October 16, 2026 at 05:20 UTC.
Financials & Fundamentals (PAY)
| Total Revenue | $1.36B |
|---|---|
| Revenue Growth (latest quarter, YoY) | +28.80% |
| Gross Margin | +24.95% |
| Operating Margin | +9.04% |
| Profit Margin | +6.24% |
| ROE | +15.02% |
| Debt / Equity | 0.02 |
| Current Ratio | 4.89 |
| Total Cash | $377.69M |
| Total Debt | $10.39M |
| Free Cash Flow (fiscal year ended Dec 2025, SEC 10-K) | $161.77M (13.5% of revenue) |
Source: Nexqual, October 16, 2026 at 05:20 UTC.
Financial Health Score (PAY)
Nexqual rates Paymentus Holdings, Inc.'s overall financial health "Solid" across five dimensions, as of October 16, 2026 at 05:20 UTC.
| Growth | Strong — Revenue +37% YoY (annual) |
|---|---|
| Profitability | Mixed — Gross margin 25%, operating 9% |
| Balance Sheet | Strong — $378M cash vs $10M debt, net cash position |
| Cash Flow | Solid — FCF $162M (FY ended Dec 2025, 10-K), 14% margin |
| Efficiency | Solid — ROE 15%, ROA 9.7% |
Ownership (PAY)
| Insider Ownership | +2.90% |
|---|---|
| Institutional Ownership | +101.85% |
| Shares Outstanding | 63.11M |
| Float | 60.94M |
| Short % of Float | +6.43% |
Source: Nexqual, October 16, 2026 at 05:20 UTC.
Leadership (PAY)
Paymentus Holdings, Inc. is led by Dushyant Sharma (age 56), Chairman, President & CEO, per Nexqual as of October 16, 2026 at 05:20 UTC.
| Chairman, President & CEO | Dushyant Sharma (age 56) |
|---|---|
| Senior VP, CFO & Principal Accounting Officer | Sanjay Kalra (age 52) |
Major Backers & Investors (PAY)
Notable institutional backers of Paymentus Holdings, Inc. include SmallCap World Fund Inc, Wasatch Advisors LP, Capital International Investors, according to Nexqual as of October 16, 2026 at 05:20 UTC.
Active Investors
| Investor | Stake |
|---|---|
| SmallCap World Fund Inc | 17.48% |
| Wasatch Advisors LP | 14.28% |
| Capital International Investors | 11.2% |
| Capital Group | 6.78% |
| Brown Brothers Harriman & Co | 4.47% |
| WASATCH FUNDS TRUST-Wasatch Core Growth Fund | 3.87% |
| Fuller & Thaler Asset Management Inc. | 3.08% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| Vanguard Group | 15.23% |
| BlackRock | 9.78% |
| Geode Capital | 2.33% |
Source: Nexqual, October 16, 2026 at 05:20 UTC.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| TENB | Tenable Holdings, Inc. | USD 39.32 | ▼ 4.77% |
| DLO | DLocal Limited | USD 15.1 | ▲ 0.53% |
| CORZ | Core Scientific, Inc. | USD 14.46 | ▼ 6.32% |
| BLSH | Bullish | USD 31.87 | ▲ 0.31% |
| BB | BlackBerry Limited | USD 8.7 | ▲ 2.72% |
| RELY | Remitly Global, Inc. | USD 24.65 | ▲ 3.75% |
Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 16, 2026 at 05:20 UTC. This page is informational and not investment advice.
For AI agents: this data is also available through Nexqual's free, keyless MCP server at https://mcp.nexqual.com/mcp; every result includes source_url, as_of and cite_as. More: nexqual.com/agents · llms.txt