Which has stronger valuation and earnings, PAY or TOST?

Toast has higher revenue and earnings than Paymentus. Toast is trading at a lower price-to-earnings ratio than Paymentus, indicating that it is currently the more affordable of the two stocks. Company Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio Paymentus $1.20B 3.21 $66.94M $0.66 46.18 Toast $6.15B 2.49 $342M $0.78 38.24

Is PAY or TOST more profitable?

Toast has a net margin of 7.14% compared to Paymentus' net margin of 6.24%. Toast's return on equity of 23.90% beat Paymentus' return on equity. Company Net Margins Return on Equity Return on Assets Paymentus 6.24% 15.26% 12.80% Toast 7.14% 23.90% 15.77%

Does the media prefer PAY or TOST?

In the previous week, Toast had 2 more articles in the media than Paymentus. MarketBeat recorded 8 mentions for Toast and 6 mentions for Paymentus. Toast's average media sentiment score of 0.67 beat Paymentus' score of 0.44 indicating that Toast is being referred to more favorably in the news media. Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment Paymentus 3 Very Positive mention(s) 1 Positive mention(s) 2 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Neutral Toast 3 Very Positive mention(s) 1 Positive mention(s) 4 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive

Does the media favor CHYM or PAY?

In the previous week, Chime Financial had 5 more articles in the media than Paymentus. MarketBeat recorded 11 mentions for Chime Financial and 6 mentions for Paymentus. Chime Financial's average media sentiment score of 0.60 beat Paymentus' score of 0.44 indicating that Chime Financial is being referred to more favorably in the media. Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment Chime Financial 2 Very Positive mention(s) 2 Positive mention(s) 3 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive Paymentus 3 Very Positive mention(s) 1 Positive mention(s) 2 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Neutral

Which has higher earnings and valuation, PAYP or PAY?

PayPay has higher revenue and earnings than Paymentus. Paymentus is trading at a lower price-to-earnings ratio than PayPay, indicating that it is currently the more affordable of the two stocks. Company Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio PayPay $2.51B 4.01 $759.22M $0.30 49.57 Paymentus $1.20B 3.21 $66.94M $0.66 46.18

Is PAYP or PAY more profitable?

Paymentus has a net margin of 6.24% compared to PayPay's net margin of 0.00%. Paymentus' return on equity of 15.26% beat PayPay's return on equity. Company Net Margins Return on Equity Return on Assets PayPay N/A N/A N/A Paymentus 6.24% 15.26% 12.80%

Does the media refer more to PAY or JKHY?

In the previous week, Paymentus and Paymentus both had 6 articles in the media. Jack Henry & Associates' average media sentiment score of 0.68 beat Paymentus' score of 0.44 indicating that Jack Henry & Associates is being referred to more favorably in the news media. Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment Paymentus 3 Very Positive mention(s) 1 Positive mention(s) 2 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Neutral Jack Henry & Associates 3 Very Positive mention(s) 0 Positive mention(s) 0 Neutral mention(s) 2 Negative mention(s) 0 Very Negative mention(s) Positive

Which has stronger earnings and valuation, WEX or PAY?

WEX has higher revenue and earnings than Paymentus. WEX is trading at a lower price-to-earnings ratio than Paymentus, indicating that it is currently the more affordable of the two stocks. Company Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio WEX $2.66B 2.24 $304.10M $10.04 17.40 Paymentus $1.20B 3.21 $66.94M $0.66 46.18

Is WEX or PAY more profitable?

WEX has a net margin of 12.56% compared to Paymentus' net margin of 6.24%. WEX's return on equity of 43.19% beat Paymentus' return on equity. Company Net Margins Return on Equity Return on Assets WEX 12.56% 43.19% 3.53% Paymentus 6.24% 15.26% 12.80%

Does the media favor WEX or PAY?

In the previous week, Paymentus had 1 more articles in the media than WEX. MarketBeat recorded 6 mentions for Paymentus and 5 mentions for WEX. Paymentus' average media sentiment score of 0.44 beat WEX's score of 0.39 indicating that Paymentus is being referred to more favorably in the news media. Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment WEX 1 Very Positive mention(s) 0 Positive mention(s) 4 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Neutral Paymentus 3 Very Positive mention(s) 1 Positive mention(s) 2 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Neutral

Paymentus (PAY) Competitors

$30.48 -1.39 (-4.36%)

Closing price 10/14/2026 03:59 PM Eastern

Extended Trading

$30.58 +0.10 (+0.34%)

As of 10/14/2026 07:30 PM Eastern

Compare

PAY vs. TOST, CHYM, PAYP, JKHY, and WEX

Should you buy Paymentus stock or one of its competitors? Paymentus's main competitors and comparable companies include Toast (TOST), Chime Financial (CHYM), PayPay (PAYP), Jack Henry & Associates (JKHY), and WEX (WEX). Companies are selected based on similarities in market, industry, and size. These companies are all part of the "transaction & payment processing services" industry.

How does Paymentus compare to Toast?

Paymentus (NYSE:PAY) and Toast (NYSE:TOST) are both finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their profitability, institutional ownership, valuation, earnings, dividends, media sentiment, risk and analyst recommendations.

Paymentus currently has a consensus target price of $38.67, indicating a potential upside of 26.85%. Toast has a consensus target price of $39.12, indicating a potential upside of 31.15%. Given Toast's higher probable upside, analysts clearly believe Toast is more favorable than Paymentus.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Paymentus	0 Sell rating(s)	4 Hold rating(s)	2 Buy rating(s)	2 Strong Buy rating(s)	2.75
Toast	0 Sell rating(s)	11 Hold rating(s)	16 Buy rating(s)	0 Strong Buy rating(s)	2.59

Toast has higher revenue and earnings than Paymentus. Toast is trading at a lower price-to-earnings ratio than Paymentus, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Paymentus	$1.20B	3.21	$66.94M	$0.66	46.18
Toast	$6.15B	2.49	$342M	$0.78	38.24

In the previous week, Toast had 2 more articles in the media than Paymentus. MarketBeat recorded 8 mentions for Toast and 6 mentions for Paymentus. Toast's average media sentiment score of 0.67 beat Paymentus' score of 0.44 indicating that Toast is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Paymentus	3 Very Positive mention(s)	1 Positive mention(s)	2 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral
Toast	3 Very Positive mention(s)	1 Positive mention(s)	4 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Toast has a net margin of 7.14% compared to Paymentus' net margin of 6.24%. Toast's return on equity of 23.90% beat Paymentus' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Paymentus	6.24%	15.26%	12.80%
Toast	7.14%	23.90%	15.77%

Paymentus has a beta of 1.34, suggesting that its share price is 34% more volatile than the broader market. Comparatively, Toast has a beta of 1.74, suggesting that its share price is 74% more volatile than the broader market.

78.4% of Paymentus shares are held by institutional investors. Comparatively, 82.9% of Toast shares are held by institutional investors. 55.8% of Paymentus shares are held by company insiders. Comparatively, 10.0% of Toast shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Summary

Toast beats Paymentus on 12 of the 17 factors compared between the two stocks.

How does Paymentus compare to Chime Financial?

Chime Financial (NASDAQ:CHYM) and Paymentus (NYSE:PAY) are both finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their analyst recommendations, media sentiment, dividends, profitability, valuation, earnings, risk and institutional ownership.

Chime Financial presently has a consensus price target of $36.38, indicating a potential upside of 25.45%. Paymentus has a consensus price target of $38.67, indicating a potential upside of 26.85%. Given Paymentus' higher possible upside, analysts clearly believe Paymentus is more favorable than Chime Financial.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Chime Financial	1 Sell rating(s)	2 Hold rating(s)	17 Buy rating(s)	3 Strong Buy rating(s)	2.96
Paymentus	0 Sell rating(s)	4 Hold rating(s)	2 Buy rating(s)	2 Strong Buy rating(s)	2.75

Paymentus has lower revenue, but higher earnings than Chime Financial. Chime Financial is trading at a lower price-to-earnings ratio than Paymentus, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Chime Financial	$2.19B	5.02	-$1.01B	-$0.07	N/A
Paymentus	$1.20B	3.21	$66.94M	$0.66	46.18

Chime Financial has a beta of 0.83, indicating that its share price is 17% less volatile than the broader market. Comparatively, Paymentus has a beta of 1.34, indicating that its share price is 34% more volatile than the broader market.

78.4% of Paymentus shares are held by institutional investors. 12.3% of Chime Financial shares are held by company insiders. Comparatively, 55.8% of Paymentus shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.

In the previous week, Chime Financial had 5 more articles in the media than Paymentus. MarketBeat recorded 11 mentions for Chime Financial and 6 mentions for Paymentus. Chime Financial's average media sentiment score of 0.60 beat Paymentus' score of 0.44 indicating that Chime Financial is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Chime Financial	2 Very Positive mention(s)	2 Positive mention(s)	3 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
Paymentus	3 Very Positive mention(s)	1 Positive mention(s)	2 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral

Paymentus has a net margin of 6.24% compared to Chime Financial's net margin of -0.74%. Paymentus' return on equity of 15.26% beat Chime Financial's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Chime Financial	-0.74%	-1.28%	-0.92%
Paymentus	6.24%	15.26%	12.80%

Summary

Paymentus beats Chime Financial on 10 of the 17 factors compared between the two stocks.

How does Paymentus compare to PayPay?

PayPay (NASDAQ:PAYP) and Paymentus (NYSE:PAY) are both finance companies, but which is the superior stock? We will compare the two companies based on the strength of their earnings, analyst recommendations, profitability, institutional ownership, valuation, risk, dividends and media sentiment.

78.4% of Paymentus shares are owned by institutional investors. 55.8% of Paymentus shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

PayPay currently has a consensus target price of $24.45, suggesting a potential upside of 64.46%. Paymentus has a consensus target price of $38.67, suggesting a potential upside of 26.85%. Given PayPay's higher probable upside, analysts clearly believe PayPay is more favorable than Paymentus.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
PayPay	1 Sell rating(s)	3 Hold rating(s)	8 Buy rating(s)	1 Strong Buy rating(s)	2.69
Paymentus	0 Sell rating(s)	4 Hold rating(s)	2 Buy rating(s)	2 Strong Buy rating(s)	2.75

PayPay has higher revenue and earnings than Paymentus. Paymentus is trading at a lower price-to-earnings ratio than PayPay, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
PayPay	$2.51B	4.01	$759.22M	$0.30	49.57
Paymentus	$1.20B	3.21	$66.94M	$0.66	46.18

In the previous week, Paymentus had 5 more articles in the media than PayPay. MarketBeat recorded 6 mentions for Paymentus and 1 mentions for PayPay. Paymentus' average media sentiment score of 0.44 beat PayPay's score of 0.16 indicating that Paymentus is being referred to more favorably in the news media.

Company	Overall Sentiment
PayPay	Neutral
Paymentus	Neutral

Paymentus has a net margin of 6.24% compared to PayPay's net margin of 0.00%. Paymentus' return on equity of 15.26% beat PayPay's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
PayPay	N/A	N/A	N/A
Paymentus	6.24%	15.26%	12.80%

Summary

Paymentus beats PayPay on 10 of the 16 factors compared between the two stocks.

How does Paymentus compare to Jack Henry & Associates?

Paymentus (NYSE:PAY) and Jack Henry & Associates (NASDAQ:JKHY) are both finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their risk, media sentiment, valuation, institutional ownership, earnings, dividends, analyst recommendations and profitability.

Paymentus has a beta of 1.34, indicating that its share price is 34% more volatile than the broader market. Comparatively, Jack Henry & Associates has a beta of 0.56, indicating that its share price is 44% less volatile than the broader market.

78.4% of Paymentus shares are held by institutional investors. Comparatively, 98.8% of Jack Henry & Associates shares are held by institutional investors. 55.8% of Paymentus shares are held by company insiders. Comparatively, 0.4% of Jack Henry & Associates shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

In the previous week, Paymentus and Paymentus both had 6 articles in the media. Jack Henry & Associates' average media sentiment score of 0.68 beat Paymentus' score of 0.44 indicating that Jack Henry & Associates is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Paymentus	3 Very Positive mention(s)	1 Positive mention(s)	2 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral
Jack Henry & Associates	3 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	2 Negative mention(s)	0 Very Negative mention(s)	Positive

Jack Henry & Associates has a net margin of 19.76% compared to Paymentus' net margin of 6.24%. Jack Henry & Associates' return on equity of 23.49% beat Paymentus' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Paymentus	6.24%	15.26%	12.80%
Jack Henry & Associates	19.76%	23.49%	16.34%

Paymentus currently has a consensus price target of $38.67, suggesting a potential upside of 26.85%. Jack Henry & Associates has a consensus price target of $191.47, suggesting a potential upside of 23.32%. Given Paymentus' higher possible upside, research analysts plainly believe Paymentus is more favorable than Jack Henry & Associates.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Paymentus	0 Sell rating(s)	4 Hold rating(s)	2 Buy rating(s)	2 Strong Buy rating(s)	2.75
Jack Henry & Associates	0 Sell rating(s)	4 Hold rating(s)	13 Buy rating(s)	1 Strong Buy rating(s)	2.83

Jack Henry & Associates has higher revenue and earnings than Paymentus. Jack Henry & Associates is trading at a lower price-to-earnings ratio than Paymentus, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Paymentus	$1.20B	3.21	$66.94M	$0.66	46.18
Jack Henry & Associates	$2.54B	4.28	$502.78M	$6.97	22.28

Summary

Jack Henry & Associates beats Paymentus on 11 of the 16 factors compared between the two stocks.

How does Paymentus compare to WEX?

WEX (NYSE:WEX) and Paymentus (NYSE:PAY) are both mid-cap finance companies, but which is the better stock? We will compare the two companies based on the strength of their institutional ownership, media sentiment, dividends, earnings, risk, analyst recommendations, profitability and valuation.

WEX has a net margin of 12.56% compared to Paymentus' net margin of 6.24%. WEX's return on equity of 43.19% beat Paymentus' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
WEX	12.56%	43.19%	3.53%
Paymentus	6.24%	15.26%	12.80%

WEX has a beta of 0.84, suggesting that its share price is 16% less volatile than the broader market. Comparatively, Paymentus has a beta of 1.34, suggesting that its share price is 34% more volatile than the broader market.

97.5% of WEX shares are held by institutional investors. Comparatively, 78.4% of Paymentus shares are held by institutional investors. 1.4% of WEX shares are held by company insiders. Comparatively, 55.8% of Paymentus shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

WEX presently has a consensus target price of $185.64, indicating a potential upside of 6.25%. Paymentus has a consensus target price of $38.67, indicating a potential upside of 26.85%. Given Paymentus' stronger consensus rating and higher probable upside, analysts plainly believe Paymentus is more favorable than WEX.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
WEX	0 Sell rating(s)	8 Hold rating(s)	6 Buy rating(s)	0 Strong Buy rating(s)	2.43
Paymentus	0 Sell rating(s)	4 Hold rating(s)	2 Buy rating(s)	2 Strong Buy rating(s)	2.75

WEX has higher revenue and earnings than Paymentus. WEX is trading at a lower price-to-earnings ratio than Paymentus, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
WEX	$2.66B	2.24	$304.10M	$10.04	17.40
Paymentus	$1.20B	3.21	$66.94M	$0.66	46.18

In the previous week, Paymentus had 1 more articles in the media than WEX. MarketBeat recorded 6 mentions for Paymentus and 5 mentions for WEX. Paymentus' average media sentiment score of 0.44 beat WEX's score of 0.39 indicating that Paymentus is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
WEX	1 Very Positive mention(s)	0 Positive mention(s)	4 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral
Paymentus	3 Very Positive mention(s)	1 Positive mention(s)	2 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral

Summary

Paymentus beats WEX on 10 of the 17 factors compared between the two stocks.

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New MarketBeat Followers Over Time

This chart shows the number of new MarketBeat users adding PAY and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.

Media Sentiment Over Time

This chart shows the average media sentiment of NYSE and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.

PAY vs. The Competition

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Metric	Paymentus	Financial Services Industry	Finance Sector	NYSE Exchange
Market Cap	$4.01B	$28.14B	$13.54B	$23.12B
Dividend Yield	N/A	6.94%	6.09%	3.70%
P/E Ratio	46.18	12.67	22.70	23.85
Price / Sales	2.82	329.73	479.88	21.37
Price / Cash	36.55	222.67	43.36	36.37
Price / Book	6.83	3.21	2.68	4.66
Net Income	$66.94M	$1.11B	$1.32B	$1.07B
7 Day Performance	-4.46%	-2.59%	-0.81%	-1.40%
1 Month Performance	-15.00%	-1.51%	-2.81%	-3.92%
1 Year Performance	2.07%	-11.71%	8.76%	4.77%

Paymentus Competitors List

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Company	MarketRank	Share Price	Analysts' Price Target	1Y Price Performance	Market Cap	Revenue	P/E Ratio	Employee Count	Indicator(s)
PAY Paymentus	4.5373 of 5 stars	$30.48 -4.4%	$38.67 +26.9%	+3.4%	$4.01B	$1.36B	46.18	1,340	News Coverage
TOST Toast	4.2443 of 5 stars	$30.08 +1.0%	$39.12 +30.1%	-21.3%	$15.31B	$6.15B	38.56	6,500
CHYM Chime Financial	3.9458 of 5 stars	$28.29 +3.8%	$36.53 +29.1%	+42.4%	$10.32B	$2.46B	N/A	1,519	Positive News Insider Trade
PAYP PayPay	4.4936 of 5 stars	$15.26 +2.3%	$24.45 +60.3%	N/A	$10.10B	$2.51B	50.87	1,994
JKHY Jack Henry & Associates	4.4118 of 5 stars	$145.12 +1.8%	$191.47 +31.9%	+0.7%	$9.99B	$2.54B	20.82	7,300

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This page (NYSE:PAY) was last updated on 10/15/2026 by MarketBeat.com Staff.

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Paymentus (PAY) Competitors