Paymentus (PAY) Stock Price, News & Analysis

Company Overview

Paymentus is a U.S.-based financial technology company that specializes in cloud-native bill payment and presentment solutions. Its platform enables businesses and government entities to manage the entire payment lifecycle, from electronic bill presentment and real-time payment processing to reconciliation and reporting. Through web portals, mobile applications, interactive voice response (IVR) systems and in-person channels, Paymentus helps clients streamline accounts receivable operations, enhance customer engagement and reduce operational costs.

Founded in 2004 and headquartered in Wilmington, Delaware, Paymentus has built a modular suite of services that can be tailored to the needs of various industries. Key offerings include electronic bill presentment and payment (EBPP), automated recurring payment scheduling, one-time payments and integrated customer communication tools such as reminders and notifications. The company serves a broad spectrum of sectors, including utilities, insurance, financial services, telecommunications, healthcare and government agencies.

Over time, Paymentus has broadened its geographic footprint through strategic partnerships and technology integrations, supporting billers in the United States and Canada. Its cloud-based architecture allows for rapid deployment and seamless scalability, enabling clients to deliver a unified, omnichannel payment experience. In July 2020, Paymentus completed its initial public offering on the New York Stock Exchange under the ticker symbol PAY, marking a significant milestone in its growth trajectory.

Guided by an executive team with extensive experience in payments, software engineering and cybersecurity, Paymentus continues to invest in product innovation and compliance. The company is focused on expanding its analytics and data-driven insight capabilities to help billers optimize cash flow, reduce delinquencies and deliver a more engaging, self-service experience for end customers.

Key Stats

• Today's Range: $38.54 to $39.25
• 50-Day Range: $27.83 to $38.90
• 52-Week Range: $19.53 to $40.43
• Volume: 848,100 shs
• Average Volume: 910,135 shs
• Market Capitalization: $4.87 billion
• P/E Ratio: 90.47
• Dividend Yield: N/A
• Price Target: $37.00
• Consensus Rating: Moderate Buy

Paymentus Stock Analysis - MarketRank™

Paymentus scored higher than 42% of companies evaluated by MarketBeat, and ranked 206th out of 315 stocks in the business services sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.3 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

Paymentus has received a consensus rating of Moderate Buy. The company's average rating score is 2.50, and is based on 4 buy ratings, 4 hold ratings, and no sell ratings.

Amount of Analyst Coverage

Paymentus has only been the subject of 3 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 12.82%

Earnings Growth

Earnings for Paymentus are expected to grow by 12.82% in the coming year, from $0.39 to $0.44 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Paymentus is 90.47, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 270.85.

Price to Earnings Ratio vs. Sector

The P/E ratio of Paymentus is 90.47, which means that it is trading at a more expensive P/E ratio than the Business Services sector average P/E ratio of about 27.46.

Price to Book Value per Share Ratio

Paymentus has a P/B Ratio of 9.44. P/B Ratios above 3 indicate that a company could be overvalued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

3.44% of the float of Paymentus has been sold short.

Short Interest Ratio / Days to Cover

Paymentus has a short interest ratio ("days to cover") of 1.4, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Paymentus has recently increased by 13.30%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

Paymentus does not currently pay a dividend.

Dividend Growth

Paymentus does not have a long track record of dividend growth.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

3.44% of the float of Paymentus has been sold short.

Short Interest Ratio / Days to Cover

Paymentus has a short interest ratio ("days to cover") of 1.4, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Paymentus has recently increased by 13.30%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 3.1 / 5
• News Sentiment: 1.52

News Sentiment

Paymentus has a news sentiment score of 1.52. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 1.12 average news sentiment score of Business Services companies.

News Coverage This Week

MarketBeat has tracked 5 news articles for Paymentus this week, compared to 5 articles on an average week.

Search Interest

5 people have searched for PAY on MarketBeat in the last 30 days. This is an increase of 150% compared to the previous 30 days.

MarketBeat Follows

Only 2 people have added Paymentus to their MarketBeat watchlist in the last 30 days. This is a decrease of -60% compared to the previous 30 days.

Company Ownership

• Score: 3.3 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Paymentus insiders have not sold or bought any company stock.

Percentage Held by Insiders

75.43% of the stock of Paymentus is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

78.38% of the stock of Paymentus is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

PAY Stock Analysis - Frequently Asked Questions

How have PAY shares performed this year?

Paymentus' stock was trading at $32.67 on January 1st, 2025. Since then, PAY stock has increased by 19.1% and is now trading at $38.90.

How were Paymentus' earnings last quarter?

Paymentus Holdings, Inc. (NYSE:PAY) issued its quarterly earnings results on Monday, August, 4th. The business services provider reported $0.15 earnings per share (EPS) for the quarter, topping the consensus estimate of $0.14 by $0.01. The company's revenue for the quarter was up 41.9% on a year-over-year basis.
Read the conference call transcript.

When did Paymentus IPO?

Paymentus (PAY) raised $200 million in an IPO on Wednesday, May 26th 2021. The company issued 10,000,000 shares at a price of $19.00-$21.00 per share. Goldman Sachs, J.P. Morgan, BofA Securities and Citigroup served as the underwriters for the IPO and Baird, Nomura, Raymond James, Wells Fargo Securities, Fifth Third Securities, PNC Securities, AmeriVet and C.L. King & Associates were co-managers.

Who are Paymentus' major shareholders?

Paymentus' top institutional investors include Franklin Resources Inc. (1.44%), Invesco Ltd. (1.40%), Wasatch Advisors LP (1.21%) and Next Century Growth Investors LLC (0.90%). Insiders that own company stock include Sanjay Kalra, Gerasimos (Jerry) Portocalis, Andrew A Gerber, William Ingram and Paul E Seamon.
View institutional ownership trends.

How do I buy shares of Paymentus?

Shares of PAY stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Paymentus own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Paymentus investors own include Humana (HUM), American Water Works (AWK), Voyager Therapeutics (VYGR), TotalEnergies (TTE), Waste Connections (WCN), NVIDIA (NVDA) and The RMR Group (RMR).

Company Calendar

• Last Earnings: 8/04/2025
• Today: 8/31/2025
• Next Earnings (Estimated): 11/11/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Business Services
• Industry: Financial Transaction Services
• Sub-Industry: Data Processing & Outsourced Services
• Current Symbol: NYSE:PAY
• Previous Symbol: NYSE:PAY
• CIK: 1841156
• Web: www.verifone.com
• Phone: 408-232-7800
• Fax: N/A
• Employees: 1,260
• Year Founded: N/A

Price Target and Rating

• Average Price Target for Paymentus: $37.00
• High Price Target: $40.00
• Low Price Target: $34.00
• Potential Upside/Downside: -4.9%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.50
• Research Coverage: 8 Analysts

Profitability

• EPS (Trailing Twelve Months): $0.43
• Trailing P/E Ratio: 90.47
• Forward P/E Ratio: 99.74
• P/E Growth: N/A
• Net Income: $44.17 million
• Net Margins: 5.37%
• Pretax Margin: 6.40%
• Return on Equity: 12.63%
• Return on Assets: 10.69%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 4.56
• Quick Ratio: 4.56

Sales & Book Value

• Annual Sales: $871.74 million
• Price / Sales: 5.59
• Cash Flow: $0.74 per share
• Price / Cash Flow: 52.54
• Book Value: $4.12 per share
• Price / Book: 9.44

Miscellaneous

• Outstanding Shares: 125,260,000
• Free Float: 30,777,000
• Market Cap: $4.87 billion
• Optionable: Optionable
• Beta: 1.54