PAY Valuation

Paymentus Holdings Inc

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33.970

+0.06(0.177%)1D

Overview
Forecast
Valuation
Earnings

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 3.42 is considered Fairly compared with the five-year average of 189.26. The fair price of Paymentus Holdings Inc (PAY) is between 20.55 to 52.02 according to relative valuation methord.

Relative Value

Fair Zone

20.55-52.02

Current Price：33.91

Fair

49.37

Trailing

Forward

28.67

EV/EBITDA

Paymentus Holdings Inc. (PAY) has a current EV/EBITDA of 28.67. The 5-year average EV/EBITDA is 48.79. The thresholds are as follows: Strongly Undervalued below -28.47, Undervalued between -28.47 and 10.16, Fairly Valued between 87.42 and 10.16, Overvalued between 87.42 and 126.05, and Strongly Overvalued above 126.05. The current Forward EV/EBITDA of 28.67 falls within the Historic Trend Line -Fairly Valued range.

49.87

EV/EBIT

Paymentus Holdings Inc. (PAY) has a current EV/EBIT of 49.87. The 5-year average EV/EBIT is -29.23. The thresholds are as follows: Strongly Undervalued below -689.11, Undervalued between -689.11 and -359.17, Fairly Valued between 300.71 and -359.17, Overvalued between 300.71 and 630.64, and Strongly Overvalued above 630.64. The current Forward EV/EBIT of 49.87 falls within the Historic Trend Line -Fairly Valued range.

3.42

Paymentus Holdings Inc. (PAY) has a current PS of 3.42. The 5-year average PS is 3.81. The thresholds are as follows: Strongly Undervalued below -0.15, Undervalued between -0.15 and 1.83, Fairly Valued between 5.79 and 1.83, Overvalued between 5.79 and 7.77, and Strongly Overvalued above 7.77. The current Forward PS of 3.42 falls within the Historic Trend Line -Fairly Valued range.

30.02

P/OCF

Paymentus Holdings Inc. (PAY) has a current P/OCF of 30.02. The 5-year average P/OCF is 49.13. The thresholds are as follows: Strongly Undervalued below -32.78, Undervalued between -32.78 and 8.17, Fairly Valued between 90.08 and 8.17, Overvalued between 90.08 and 131.03, and Strongly Overvalued above 131.03. The current Forward P/OCF of 30.02 falls within the Historic Trend Line -Fairly Valued range.

44.18

P/FCF

Paymentus Holdings Inc. (PAY) has a current P/FCF of 44.18. The 5-year average P/FCF is 76.97. The thresholds are as follows: Strongly Undervalued below -141.58, Undervalued between -141.58 and -32.31, Fairly Valued between 186.24 and -32.31, Overvalued between 186.24 and 295.51, and Strongly Overvalued above 295.51. The current Forward P/FCF of 44.18 falls within the Historic Trend Line -Fairly Valued range.

Paymentus Holdings Inc (PAY) has a current Price-to-Book (P/B) ratio of 8.22. Compared to its 3-year average P/B ratio of 5.25 , the current P/B ratio is approximately 56.55% higher. Relative to its 5-year average P/B ratio of 6.61, the current P/B ratio is about 24.44% higher. Paymentus Holdings Inc (PAY) has a Forward Free Cash Flow (FCF) yield of approximately 2.74%. Compared to its 3-year average FCF yield of 2.14%, the current FCF yield is approximately 27.76% lower. Relative to its 5-year average FCF yield of 1.75% , the current FCF yield is about 56.14% lower.

8.22

P/B

Median3y

5.25

Median5y

6.61

2.74

FCF Yield

Median3y

2.14

Median5y

1.75

Competitors Valuation Multiple

The average P/S ratio for PAY's competitors is 2.65, providing a benchmark for relative valuation. Paymentus Holdings Inc Corp (PAY) exhibits a P/S ratio of 3.42, which is 29.16% above the industry average. Given its robust revenue growth of 41.87%, this premium appears sustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

PAY.N

Paymentus Holdings Inc

Euronet Worldwide Inc

Laureate Education Inc

2.15

4.99%

3.69B

Performance Decomposition

Market capitalization of PAY increased by 49.19% over the past 1 year. The primary factor behind the change was an increase in Revenue Growth from 197.42M to 280.08M.

The secondary factor is the Margin Expansion, contributed 10.76%to the performance.

Overall, the performance of PAY in the past 1 year is driven by Revenue Growth. Which is more sustainable.

41.87%

197.42M → 280.08M

Revenue Growth

10.76%

4.74 → 5.25

Margin Expansion

-3.44%

79.90 → 77.15

P/E Change

49.19%