PAY

Paymentus Holdings Inc

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34.352

+0.182(0.533%)1D

Overview
Forecast
Valuation
Earnings

Line

Candle

YTD

High

34.800

Open

34.450

VWAP

34.47

Vol

66.94K

Mkt Cap

4.28B

Low

34.170

Amount

2.31M

EV/EBITDA(TTM)

40.92

Total Shares

124.17M

4.01B

EV/OCF(TTM)

34.43

P/S(TTM)

4.21

Paymentus Holdings, Inc. is a provider of cloud-based bill payment technology and solutions for more than 2,500 billers and financial institutions across North America. The Company’s artificial intelligence (AI)-driven software-as-a-service (SaaS) platform provides a single-vendor solution. Its proprietary Instant Payment Network (IPN) connects its IPN partners’ platforms and billers to its integrated billing, payment, and reconciliation capabilities. Its platform for financial institutions reconnects financial institutions with their customers by providing a real-time financial hub where consumers can consolidate their financial obligations, pay bills, move money in real time and improve their understanding of their own financial position. Its solution offers electronic bill presentment across numerous channels, including Web, mobile, text, portable document format (PDF), email, interactive voice response (IVR), chatbot, social media and through its IPN partners.

Market Estimates

Earnings Estimates

Revenue

YoY Chg

EPS

YoYChg

FY2026Q1

FY2025Q4

FY2025Q3

321.74M

+16.9%

0.178

+18.67%

298.13M

+15.61%

0.165

+27.27%

283.78M

+22.55%

0.153

+2.21%

Estimates Revision

The market is revising Upward the revenue expectations for Paymentus Holdings, Inc. (PAY) for FY2025, with the revenue forecasts being adjusted by 3.48% over the past three months. During the same period, the stock price has changed by -10.07%.

Revenue Estimates for FY2025

Revise Upward

+3.48%

In Past 3 Month

EPS Estimates for FY2025

Revise Downward

-1.57%

In Past 3 Month

Stock Price

Go Down

-10.07%

In Past 3 Month

7 Analyst Rating

7.71% Upside

Wall Street analysts forecast PAY stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for PAY is 37.00 USD with a low forecast of 34.00 USD and a high forecast of 40.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

4 Buy

3 Hold

0 Sell

Moderate Buy

7.71% Upside

Current: 34.352

Low

34.00

Averages

37.00

High

40.00

7.71% Upside

Current: 34.352

Low

34.00

Averages

37.00

High

40.00

Raymond James

John Davis

Outperform

maintain

$37 -> $38

2025-08-05

Reason

Raymond James

John Davis

Price Target

$37 -> $38

2025-08-05

maintain

Outperform

Reason

Raymond James analyst John Davis raised the firm's price target on Paymentus to $38 from $37 and keeps an Outperform rating on the shares. Paymentus reported "solid" Q2 results that featured a 10% adjusted EBITDA beat, and the sales pipeline remains robust as management highlighted an "exceptional" backlog and bookings exiting the quarter, with strength across multiple verticals, the analyst tells investors in a research note. Raymond James continues to see a favorable risk/reward.

Wolfe Research

Darren Peller

Peer Perform -> Outperform

upgrade

2025-07-22

Reason

Wolfe Research

Darren Peller

Price Target

2025-07-22

upgrade

Peer Perform -> Outperform

Reason

Wolfe Research analyst Darren Peller upgraded Paymentus to Outperform from Peer Perform.

Raymond James

Market Perform -> Outperform

upgrade

$37

2025-07-14

Reason

Raymond James

Price Target

$37

2025-07-14

upgrade

Market Perform -> Outperform

Reason

Raymond James upgraded Paymentus to Outperform from Market Perform with a $37 price target. The firm views the stock's 29% pullback since May 19 as a "compelling buying opportunity." The selloff is not driven by company fundamentals, rather the share distributions by Accel-KKR, the analyst tells investors in a research note. Raymond James has confidence that the Q2 and 2025 Street estimates for Paymentus will prove conservative. It sees potential for mid-single digit contribution profit dollar and low-double digit adjusted EBITDA upside in a 2025 bull case.

Baird

NULL

Outperform

maintain

$36 -> $40

2025-06-04

Reason

Baird

Price Target

$36 -> $40

2025-06-04

maintain

NULL

Outperform

Reason

Baird raised the firm's price target on Paymentus to $40 from $36 and keeps an Outperform rating on the shares. The firm updated its model following its presentation at the Baird conference.

Baird

David Koning

Buy

Maintains

$36 → $30

2025-04-04

Reason

Baird

David Koning

Price Target

$36 → $30

2025-04-04

Maintains

Buy

Reason

Baird analyst David Koning lowered the firm's price target on Paymentus to $30 from $36 and keeps an Outperform rating on the shares. The firm updated its model ahead of Q1 results.

Baird

David Koning

Buy

Maintains

$40 → $36

2025-03-13

Reason

Baird

David Koning

Price Target

$40 → $36

2025-03-13

Maintains

Buy

Reason

Baird lowered the firm's price target on Paymentus to $36 from $40 and keeps an Outperform rating on the shares.

See All Ratings

Valuation Metrics

The current forward P/E ratio for Paymentus Holdings Inc (PAY.N) is 49.75, compared to its 5-year average forward P/E of 189.13. For a more detailed relative valuation and DCF analysis to assess Paymentus Holdings Inc 's fair value, click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.

N/A

5Y Average PE

189.13

Current PE

49.75

Overvalued PE

395.05

Undervalued PE

-16.79

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.

Fair

5Y Average EV/EBITDA

48.77

Current EV/EBITDA

28.67

Overvalued EV/EBITDA

87.39

Undervalued EV/EBITDA

10.15

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.

Fair

5Y Average PS

3.81

Current PS

3.42

Overvalued PS

5.79

Undervalued PS

1.83