Loading stock…

Paymentus Holdings, Inc. (PAY) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated today

Paymentus Holdings, Inc.

PAYMarket cap $4.02BPrice $31.9

Country🇺🇸United States

SectorFinancials

Powers electronic bill payments for utilities, insurers, and governments, processing billions of transactions across text, web, and phone channels. Most consumers don't know its name, but they've almost certainly used its technology to pay a bill this month.

In Bastion Portfolios?

52W Return+9%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+34%10

Revenue Forecast

Rev CAGR (1y)+21%8

Rev CAGR (3y)+19%9

Rev CAGR (5y)+7%6

Earnings Forecast

EPS Growth Y+1+73%10

EPS Growth Y+2+19%8

EPS Growth Y+3+29%8

Quality

Margins

EBIT Margin8%4

Net Income Margin6%4

Free Cash Flow Margin12%6

Debt

Net Debt/EBITDA-3.310

Efficiency

ROE15%6

ROA13%9

Earnings Stability88

GEAR+AVERAGE59

Overall rating across all five factors

Value

Price Multiples

P/E Ratio (Forward)312

P/E Ratio (Forward 3y)222

P/BV6.62

EV Multiples

EV/EBITDA Fwd202

EV/EBIT Fwd312

Yield

Free Cash Flow Yield0.0%2

Dividend Yieldna–

Momentum

Short term

1 month return-9%2

3 month return+13%9

YTD return+1%5

Mid term

Price vs 52wHigh70%4

1 year return+0%5

Long term

3 year return+105%8

5 year return+36%5

Risk Shield

Price Risk

Beta1.23

Volatility61%2

Free Cash Flow

Free Cash Flow Margin12%6

Free Cash Flow Yield0.0%2

Quality

ROCE18%9

Earnings Stability88

Net Debt/EBITDA-3.310

02Growth

Is it actually growing, and how fast?

PAYPaymentus Holdings

Revenue FY25$1.2B

GROWTH RATING↗

STRONG83 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+34%10

Revenue, next 1Y+21%8

Revenue, next 3Y, CAGR+19%9

Revenue, next 5Y, CAGR+7%6

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+73%10

EPS growth, FY27E+19%8

EPS growth, FY28E+29%8

GROWTH ASSESSMENT

STRENGTHS

It out-grows 83% of companies worldwide.

Revenue grew 34%/yr over the last 3 years, ahead of 90% of companies worldwide.10/10

Revenue is set to grow 19%/yr over the next 3 years, ahead of most of the market.8/10

Earnings are set to grow faster than sales (EPS about 29%/yr vs revenue 19%/yr), so margins should widen.

WATCH

Revenue grew 34%/yr over the last 3 years; forecasts see it cooling to 19%/yr.

Over five years revenue is set to grow 7%/yr, ahead of 50% of companies worldwide.6/10

WEAKNESSES

None flagged.

BOTTOM LINE

Elite Compounder

A top-tier grower that is slowing. The one thing to watch: the pace is cooling.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

AVERAGE49 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-9%2

3-month return+13%9

YTD return+1%5

MID & LONG-TERM▾SCORE

% of 52-week high70%4

1-year return+0%5

3-year return+105%8

5-year return+36%5

MOMENTUM ASSESSMENT

STRENGTHS

Strong long-term results. Long-term holders have seen +105% over three years and +36% over five, ahead of 60% of the market.

Strong recent results. The stock is outperforming over three months (+13%).

WATCH

It's up 0% over the past year, but 30% below its 52-week high. That is right in line with the market.

Returns sit at the market level so far this year (+1%).

WEAKNESSES

The stock is underperforming over the past month (-9%).

BOTTOM LINE

Steady Compounder

Dependable multi-year returns with a calmer near-term tape. A reliable long-term trend rather than a short-term breakout. The one thing to watch: the stock is underperforming over the past month.

04Value

Are you paying a fair price for it?

Stop guessing on Paymentus Holdings, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community

Loading charts…

02Growth

Is it actually growing, and how fast?

PAYPaymentus Holdings

Revenue FY25$1.2B

GROWTH RATING↗

STRONG83 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+34%10

Revenue, next 1Y+21%8

Revenue, next 3Y, CAGR+19%9

Revenue, next 5Y, CAGR+7%6

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+73%10

EPS growth, FY27E+19%8

EPS growth, FY28E+29%8

GROWTH ASSESSMENT

STRENGTHS

It out-grows 83% of companies worldwide.

Revenue grew 34%/yr over the last 3 years, ahead of 90% of companies worldwide.10/10

Revenue is set to grow 19%/yr over the next 3 years, ahead of most of the market.8/10

Earnings are set to grow faster than sales (EPS about 29%/yr vs revenue 19%/yr), so margins should widen.

WATCH

Revenue grew 34%/yr over the last 3 years; forecasts see it cooling to 19%/yr.

Over five years revenue is set to grow 7%/yr, ahead of 50% of companies worldwide.6/10

WEAKNESSES

None flagged.

BOTTOM LINE

Elite Compounder

A top-tier grower that is slowing. The one thing to watch: the pace is cooling.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

AVERAGE49 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-9%2

3-month return+13%9

YTD return+1%5

MID & LONG-TERM▾SCORE

% of 52-week high70%4

1-year return+0%5

3-year return+105%8

5-year return+36%5

MOMENTUM ASSESSMENT

STRENGTHS

Strong long-term results. Long-term holders have seen +105% over three years and +36% over five, ahead of 60% of the market.

Strong recent results. The stock is outperforming over three months (+13%).

WATCH

It's up 0% over the past year, but 30% below its 52-week high. That is right in line with the market.

Returns sit at the market level so far this year (+1%).

WEAKNESSES

The stock is underperforming over the past month (-9%).

BOTTOM LINE

Steady Compounder

Dependable multi-year returns with a calmer near-term tape. A reliable long-term trend rather than a short-term breakout. The one thing to watch: the stock is underperforming over the past month.

04Value

Are you paying a fair price for it?

Stop guessing on Paymentus Holdings, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community