PAY PE Ratio & Valuation,Is PAY Overvalued

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 2.93 is considered Fairly compared with the five-year average of 178.08. The fair price of Paymentus Holdings Inc (PAY) is between 21.52 to 53.25 according to relative valuation methord.

Relative Value

Fair Zone

21.52-53.25

Current Price：30.35

Fair

42.15

23.69

EV/EBITDA

Paymentus Holdings Inc. (PAY) has a current EV/EBITDA of 23.69. The 5-year average EV/EBITDA is 47.04. The thresholds are as follows: Strongly Undervalued below -28.18, Undervalued between -28.18 and 9.43, Fairly Valued between 84.64 and 9.43, Overvalued between 84.64 and 122.25, and Strongly Overvalued above 122.25. The current Forward EV/EBITDA of 23.69 falls within the Historic Trend Line -Fairly Valued range.

41.29

EV/EBIT

Paymentus Holdings Inc. (PAY) has a current EV/EBIT of 41.29. The 5-year average EV/EBIT is -23.45. The thresholds are as follows: Strongly Undervalued below -658.54, Undervalued between -658.54 and -340.99, Fairly Valued between 294.10 and -340.99, Overvalued between 294.10 and 611.65, and Strongly Overvalued above 611.65. The current Forward EV/EBIT of 41.29 falls within the Historic Trend Line -Fairly Valued range.

2.93

Paymentus Holdings Inc. (PAY) has a current PS of 2.93. The 5-year average PS is 3.76. The thresholds are as follows: Strongly Undervalued below -0.06, Undervalued between -0.06 and 1.85, Fairly Valued between 5.68 and 1.85, Overvalued between 5.68 and 7.59, and Strongly Overvalued above 7.59. The current Forward PS of 2.93 falls within the Historic Trend Line -Fairly Valued range.

27.82

P/OCF

Paymentus Holdings Inc. (PAY) has a current P/OCF of 27.82. The 5-year average P/OCF is 47.54. The thresholds are as follows: Strongly Undervalued below -31.90, Undervalued between -31.90 and 7.82, Fairly Valued between 87.26 and 7.82, Overvalued between 87.26 and 126.98, and Strongly Overvalued above 126.98. The current Forward P/OCF of 27.82 falls within the Historic Trend Line -Fairly Valued range.

88.02

P/FCF

Paymentus Holdings Inc. (PAY) has a current P/FCF of 88.02. The 5-year average P/FCF is 75.70. The thresholds are as follows: Strongly Undervalued below -134.92, Undervalued between -134.92 and -29.61, Fairly Valued between 181.00 and -29.61, Overvalued between 181.00 and 286.31, and Strongly Overvalued above 286.31. The current Forward P/FCF of 88.02 falls within the Historic Trend Line -Fairly Valued range.

Paymentus Holdings Inc (PAY) has a current Price-to-Book (P/B) ratio of 7.46. Compared to its 3-year average P/B ratio of 5.81 , the current P/B ratio is approximately 28.30% higher. Relative to its 5-year average P/B ratio of 6.72, the current P/B ratio is about 11.05% higher. Paymentus Holdings Inc (PAY) has a Forward Free Cash Flow (FCF) yield of approximately 3.60%. Compared to its 3-year average FCF yield of 2.46%, the current FCF yield is approximately 46.41% lower. Relative to its 5-year average FCF yield of 1.87% , the current FCF yield is about 93.06% lower.

7.06

P/B

Median3y

5.81

Median5y

6.72

3.60

FCF Yield

Median3y

2.46

Median5y

1.87

Competitors Valuation Multiple

The average P/S ratio for PAY's competitors is , providing a benchmark for relative valuation. Paymentus Holdings Inc Corp (PAY) exhibits a P/S ratio of , which is NaN% above the industry average. Given its robust revenue growth of 34.19%, this premium appears sustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

Revenue Growth

Market Cap

Performance Decomposition

Market capitalization of PAY decreased by 7.44% over the past 1 year. The primary factor behind the change was an increase in Revenue Growth from 231.57M to 310.74M.

The secondary factor is the Margin Expansion, contributed -8.35%to the performance.

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

34.19%

231.57M → 310.74M

Revenue Growth

-8.35%

6.23 → 5.71

Margin Expansion

-33.28%

96.47 → 64.36

P/E Change

-7.44%

32.67 → 30.24

Mkt Cap Growth

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Frequently Asked Questions

Is Paymentus Holdings Inc (PAY) currently overvalued or undervalued?

What is Paymentus Holdings Inc (PAY) fair value?

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. The fair price of Paymentus Holdings Inc (PAY) is between 21.52 to 53.25 according to relative valuation methord.

How does PAY's valuation metrics compare to the industry average?

What is the current P/B ratio for Paymentus Holdings Inc (PAY) as of Dec 16 2025?

As of Dec 16 2025, Paymentus Holdings Inc (PAY) has a P/B ratio of 7.46. This indicates that the market values PAY at 7.46 times its book value.

What is the current FCF Yield for Paymentus Holdings Inc (PAY) as of Dec 16 2025?

As of Dec 16 2025, Paymentus Holdings Inc (PAY) has a FCF Yield of 3.60%. This means that for every dollar of Paymentus Holdings Inc’s market capitalization, the company generates 3.60 cents in free cash flow.

What is the current Forward P/E ratio for Paymentus Holdings Inc (PAY) as of Dec 16 2025?

As of Dec 16 2025, Paymentus Holdings Inc (PAY) has a Forward P/E ratio of 44.56. This means the market is willing to pay $44.56 for every dollar of Paymentus Holdings Inc’s expected earnings over the next 12 months.

What is the current Forward P/S ratio for Paymentus Holdings Inc (PAY) as of Dec 16 2025?

As of Dec 16 2025, Paymentus Holdings Inc (PAY) has a Forward P/S ratio of 2.93. This means the market is valuing PAY at $2.93 for every dollar of expected revenue over the next 12 months.

PAY Valuation