PAY Relative Valuation
PAY's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, PAY is overvalued; if below, it's undervalued.
Historical Valuation
Paymentus Holdings Inc (PAY) is now in the Fair zone, suggesting that its current forward PS ratio of 3.05 is considered Fairly compared with the five-year average of 189.97. The fair price of Paymentus Holdings Inc (PAY) is between 17.98 to 47.40 according to relative valuation methord.
Relative Value
Fair Zone
17.98-47.40
Current Price：28.29
Fair
48.13
PE
1Y
3Y
5Y
Trailing
Forward
26.44
EV/EBITDA
Paymentus Holdings Inc. (PAY) has a current EV/EBITDA of 26.44. The 5-year average EV/EBITDA is 48.90. The thresholds are as follows: Strongly Undervalued below -28.47, Undervalued between -28.47 and 10.21, Fairly Valued between 87.59 and 10.21, Overvalued between 87.59 and 126.28, and Strongly Overvalued above 126.28. The current Forward EV/EBITDA of 26.44 falls within the Historic Trend Line -Fairly Valued range.
49.03
EV/EBIT
Paymentus Holdings Inc. (PAY) has a current EV/EBIT of 49.03. The 5-year average EV/EBIT is -29.57. The thresholds are as follows: Strongly Undervalued below -690.95, Undervalued between -690.95 and -360.26, Fairly Valued between 301.13 and -360.26, Overvalued between 301.13 and 631.82, and Strongly Overvalued above 631.82. The current Forward EV/EBIT of 49.03 falls within the Historic Trend Line -Fairly Valued range.
3.10
PS
Paymentus Holdings Inc. (PAY) has a current PS of 3.10. The 5-year average PS is 3.81. The thresholds are as follows: Strongly Undervalued below -0.16, Undervalued between -0.16 and 1.83, Fairly Valued between 5.80 and 1.83, Overvalued between 5.80 and 7.78, and Strongly Overvalued above 7.78. The current Forward PS of 3.10 falls within the Historic Trend Line -Fairly Valued range.
31.26
P/OCF
Paymentus Holdings Inc. (PAY) has a current P/OCF of 31.26. The 5-year average P/OCF is 49.25. The thresholds are as follows: Strongly Undervalued below -32.77, Undervalued between -32.77 and 8.24, Fairly Valued between 90.26 and 8.24, Overvalued between 90.26 and 131.28, and Strongly Overvalued above 131.28. The current Forward P/OCF of 31.26 falls within the Historic Trend Line -Fairly Valued range.
48.78
P/FCF
Paymentus Holdings Inc. (PAY) has a current P/FCF of 48.78. The 5-year average P/FCF is 77.19. The thresholds are as follows: Strongly Undervalued below -141.79, Undervalued between -141.79 and -32.30, Fairly Valued between 186.68 and -32.30, Overvalued between 186.68 and 296.17, and Strongly Overvalued above 296.17. The current Forward P/FCF of 48.78 falls within the Historic Trend Line -Fairly Valued range.
Paymentus Holdings Inc (PAY) has a current Price-to-Book (P/B) ratio of 7.04. Compared to its 3-year average P/B ratio of 5.22 , the current P/B ratio is approximately 34.68% higher. Relative to its 5-year average P/B ratio of 6.60, the current P/B ratio is about 6.58% higher. Paymentus Holdings Inc (PAY) has a Forward Free Cash Flow (FCF) yield of approximately 2.94%. Compared to its 3-year average FCF yield of 2.12%, the current FCF yield is approximately 38.74% lower. Relative to its 5-year average FCF yield of 1.75% , the current FCF yield is about 68.68% lower.
7.07
P/B
Median3y
5.22
Median5y
6.60
2.90
FCF Yield
Median3y
2.12
Median5y
1.75
Competitors Valuation Multiple
The average P/S ratio for PAY's competitors is 2.03, providing a benchmark for relative valuation. Paymentus Holdings Inc Corp (PAY) exhibits a P/S ratio of 3.10, which is 52.89% above the industry average. Given its robust revenue growth of 48.88%, this premium appears sustainable.
P/S
P/E
EV/EBITDA
EV/EBIT
P/S
Revenue Growth
Market Cap
Performance Decomposition
1Y
3Y
5Y
Market capitalization of PAY increased by 24.46% over the past 1 year. The primary factor behind the change was an increase in Revenue Growth from 184.88M to 275.24M.
The secondary factor is the Margin Expansion, contributed 28.39%to the performance.
Overall, the performance of PAY in the past 1 year is driven by Revenue Growth. Which is more sustainable.
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FAQ
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