Which has higher valuation & earnings, TOST or PAY?

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 Toast $6.80B 2.23 $342M $0.78 37.91 Paymentus $1.36B 2.77 $66.94M $0.66 45.33

Is TOST or PAY 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 Toast 7.14% 23.90% 15.77% Paymentus 6.24% 15.26% 12.80%

Does the media prefer TOST or PAY?

In the previous week, Paymentus had 2 more articles in the media than Toast. MarketBeat recorded 8 mentions for Paymentus and 6 mentions for Toast. Paymentus' average media sentiment score of 0.84 beat Toast's score of 0.53 indicating that Paymentus is being referred to more favorably in the news media. Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment Toast 3 Very Positive mention(s) 1 Positive mention(s) 1 Neutral mention(s) 0 Negative mention(s) 1 Very Negative mention(s) Positive Paymentus 6 Very Positive mention(s) 0 Positive mention(s) 2 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive

Does the media favor PAY or CHYM?

In the previous week, Chime Financial had 3 more articles in the media than Paymentus. MarketBeat recorded 11 mentions for Chime Financial and 8 mentions for Paymentus. Paymentus' average media sentiment score of 0.84 beat Chime Financial's score of 0.56 indicating that Paymentus is being referred to more favorably in the media. Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment Paymentus 6 Very Positive mention(s) 0 Positive mention(s) 2 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive Chime Financial 2 Very Positive mention(s) 4 Positive mention(s) 4 Neutral mention(s) 1 Negative mention(s) 0 Very Negative mention(s) Positive

Which has preferable valuation and earnings, 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 4.37 $759.22M $0.30 54.02 Paymentus $1.36B 2.77 $66.94M $0.66 45.33

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 prefer JKHY or PAY?

In the previous week, Jack Henry & Associates had 2 more articles in the media than Paymentus. MarketBeat recorded 10 mentions for Jack Henry & Associates and 8 mentions for Paymentus. Paymentus' average media sentiment score of 0.84 beat Jack Henry & Associates' score of 0.49 indicating that Paymentus is being referred to more favorably in the news media. Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment Jack Henry & Associates 2 Very Positive mention(s) 0 Positive mention(s) 8 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Neutral Paymentus 6 Very Positive mention(s) 0 Positive mention(s) 2 Neutral mention(s) 0 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 2.37 $304.10M $10.04 18.45 Paymentus $1.36B 2.77 $66.94M $0.66 45.33

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 prefer WEX or PAY?

In the previous week, Paymentus had 3 more articles in the media than WEX. MarketBeat recorded 8 mentions for Paymentus and 5 mentions for WEX. WEX's average media sentiment score of 1.54 beat Paymentus' score of 0.84 indicating that WEX is being referred to more favorably in the media. Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment WEX 3 Very Positive mention(s) 1 Positive mention(s) 1 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Very Positive Paymentus 6 Very Positive mention(s) 0 Positive mention(s) 2 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive

Paymentus (PAY) Competitors

$30.10 +0.15 (+0.49%)

As of 10:30 AM Eastern

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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?

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

Toast presently has a consensus target price of $39.12, suggesting a potential upside of 32.30%. Paymentus has a consensus target price of $38.67, suggesting a potential upside of 29.23%. 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
Toast	0 Sell rating(s)	11 Hold rating(s)	16 Buy rating(s)	0 Strong Buy rating(s)	2.59
Paymentus	0 Sell rating(s)	5 Hold rating(s)	1 Buy rating(s)	2 Strong Buy rating(s)	2.63

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
Toast	$6.80B	2.23	$342M	$0.78	37.91
Paymentus	$1.36B	2.77	$66.94M	$0.66	45.33

In the previous week, Paymentus had 2 more articles in the media than Toast. MarketBeat recorded 8 mentions for Paymentus and 6 mentions for Toast. Paymentus' average media sentiment score of 0.84 beat Toast's score of 0.53 indicating that Paymentus is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Toast	3 Very Positive mention(s)	1 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	1 Very Negative mention(s)	Positive
Paymentus	6 Very Positive mention(s)	0 Positive mention(s)	2 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

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

Toast has a beta of 1.72, meaning that its share price is 72% more volatile than the broader market. Comparatively, Paymentus has a beta of 1.31, meaning that its share price is 31% more volatile than the broader market.

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
Toast	7.14%	23.90%	15.77%
Paymentus	6.24%	15.26%	12.80%

Summary

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

How does Paymentus compare to Chime Financial?

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

78.4% of Paymentus shares are held by institutional investors. 55.8% of Paymentus shares are held by insiders. Comparatively, 12.3% of Chime Financial shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

In the previous week, Chime Financial had 3 more articles in the media than Paymentus. MarketBeat recorded 11 mentions for Chime Financial and 8 mentions for Paymentus. Paymentus' average media sentiment score of 0.84 beat Chime Financial's score of 0.56 indicating that Paymentus is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Paymentus	6 Very Positive mention(s)	0 Positive mention(s)	2 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
Chime Financial	2 Very Positive mention(s)	4 Positive mention(s)	4 Neutral mention(s)	1 Negative mention(s)	0 Very Negative mention(s)	Positive

Paymentus has a beta of 1.31, suggesting that its stock price is 31% more volatile than the broader market. Comparatively, Chime Financial has a beta of 0.6, suggesting that its stock price is 40% less volatile than the broader market.

Paymentus has higher earnings, but lower revenue 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
Paymentus	$1.36B	2.77	$66.94M	$0.66	45.33
Chime Financial	$2.46B	4.03	-$1.01B	-$0.07	N/A

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
Paymentus	6.24%	15.26%	12.80%
Chime Financial	-0.74%	-1.28%	-0.92%

Paymentus currently has a consensus price target of $38.67, indicating a potential upside of 29.23%. Chime Financial has a consensus price target of $36.40, indicating a potential upside of 39.01%. Given Chime Financial's stronger consensus rating and higher probable upside, analysts plainly believe Chime Financial is more favorable than Paymentus.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Paymentus	0 Sell rating(s)	5 Hold rating(s)	1 Buy rating(s)	2 Strong Buy rating(s)	2.63
Chime Financial	1 Sell rating(s)	2 Hold rating(s)	17 Buy rating(s)	4 Strong Buy rating(s)	3.00

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 better stock? We will contrast the two companies based on the strength of their valuation, risk, dividends, analyst recommendations, earnings, media sentiment, institutional ownership and profitability.

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	4.37	$759.22M	$0.30	54.02
Paymentus	$1.36B	2.77	$66.94M	$0.66	45.33

In the previous week, Paymentus had 8 more articles in the media than PayPay. MarketBeat recorded 8 mentions for Paymentus and 0 mentions for PayPay. Paymentus' average media sentiment score of 0.84 beat PayPay's score of -0.02 indicating that Paymentus is being referred to more favorably in the news media.

Company	Overall Sentiment
PayPay	Neutral
Paymentus	Positive

PayPay currently has a consensus price target of $24.45, indicating a potential upside of 50.91%. Paymentus has a consensus price target of $38.67, indicating a potential upside of 29.23%. Given PayPay's stronger consensus rating and higher possible upside, equities analysts plainly 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)	5 Hold rating(s)	1 Buy rating(s)	2 Strong Buy rating(s)	2.63

78.4% of Paymentus shares are held by institutional investors. 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 will outperform the market over the long term.

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 9 of the 16 factors compared between the two stocks.

How does Paymentus compare to Jack Henry & Associates?

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

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
Jack Henry & Associates	$2.54B	4.08	$502.78M	$6.97	21.25
Paymentus	$1.36B	2.77	$66.94M	$0.66	45.33

In the previous week, Jack Henry & Associates had 2 more articles in the media than Paymentus. MarketBeat recorded 10 mentions for Jack Henry & Associates and 8 mentions for Paymentus. Paymentus' average media sentiment score of 0.84 beat Jack Henry & Associates' score of 0.49 indicating that Paymentus is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Jack Henry & Associates	2 Very Positive mention(s)	0 Positive mention(s)	8 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral
Paymentus	6 Very Positive mention(s)	0 Positive mention(s)	2 Neutral mention(s)	0 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
Jack Henry & Associates	19.76%	23.49%	16.34%
Paymentus	6.24%	15.26%	12.80%

Jack Henry & Associates has a beta of 0.56, indicating that its stock price is 44% less volatile than the broader market. Comparatively, Paymentus has a beta of 1.31, indicating that its stock price is 31% more volatile than the broader market.

Jack Henry & Associates currently has a consensus price target of $192.18, indicating a potential upside of 29.72%. Paymentus has a consensus price target of $38.67, indicating a potential upside of 29.23%. Given Jack Henry & Associates' stronger consensus rating and higher probable upside, equities research analysts clearly believe Jack Henry & Associates is more favorable than Paymentus.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Jack Henry & Associates	0 Sell rating(s)	5 Hold rating(s)	12 Buy rating(s)	1 Strong Buy rating(s)	2.78
Paymentus	0 Sell rating(s)	5 Hold rating(s)	1 Buy rating(s)	2 Strong Buy rating(s)	2.63

98.8% of Jack Henry & Associates shares are owned by institutional investors. Comparatively, 78.4% of Paymentus shares are owned by institutional investors. 0.6% of Jack Henry & Associates shares are owned by company insiders. Comparatively, 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 stock is poised for long-term growth.

Summary

Jack Henry & Associates beats Paymentus on 12 of the 17 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 investment? We will contrast the two companies based on the strength of their institutional ownership, valuation, earnings, profitability, risk, analyst recommendations, dividends and media sentiment.

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 has a beta of 0.83, suggesting that its share price is 17% less volatile than the broader market. Comparatively, Paymentus has a beta of 1.31, suggesting that its share price is 31% more volatile than the broader market.

In the previous week, Paymentus had 3 more articles in the media than WEX. MarketBeat recorded 8 mentions for Paymentus and 5 mentions for WEX. WEX's average media sentiment score of 1.54 beat Paymentus' score of 0.84 indicating that WEX is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
WEX	3 Very Positive mention(s)	1 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Very Positive
Paymentus	6 Very Positive mention(s)	0 Positive mention(s)	2 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

WEX presently has a consensus target price of $185.64, indicating a potential upside of 0.24%. Paymentus has a consensus target price of $38.67, indicating a potential upside of 29.23%. Given Paymentus' stronger consensus rating and higher probable upside, analysts clearly 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)	5 Hold rating(s)	1 Buy rating(s)	2 Strong Buy rating(s)	2.63

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	2.37	$304.10M	$10.04	18.45
Paymentus	$1.36B	2.77	$66.94M	$0.66	45.33

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%

Summary

Paymentus beats WEX on 9 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	$3.80B	$26.76B	$13.54B	$22.87B
Dividend Yield	N/A	6.72%	5.96%	3.63%
P/E Ratio	45.67	19.34	25.03	28.03
Price / Sales	2.77	434.17	515.55	89.91
Price / Cash	37.04	254.09	46.12	38.68
Price / Book	6.71	3.13	2.70	4.64
Net Income	$66.94M	$1.10B	$1.31B	$1.07B
7 Day Performance	-17.26%	1.74%	-0.50%	-1.58%
1 Month Performance	-24.97%	1.59%	-1.58%	-5.00%
1 Year Performance	-5.59%	-2.64%	8.79%	7.14%

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	4.6576 of 5 stars	$30.10 +0.5%	$38.67 +28.5%	-7.5%	$3.79B	$1.36B	45.58	1,340
TOST Toast	4.4737 of 5 stars	$33.25 +3.5%	$39.12 +17.7%	-21.4%	$16.51B	$6.80B	42.62	6,500
CHYM Chime Financial	4.0581 of 5 stars	$33.97 +2.9%	$36.20 +6.6%	+10.9%	$12.49B	$2.19B	N/A	1,519
PAYP PayPay	4.4322 of 5 stars	$18.68 +1.2%	$24.45 +30.9%	N/A	$12.49B	$2.51B	62.27	1,994	News Coverage
JKHY Jack Henry & Associates	4.5923 of 5 stars	$164.55 +2.1%	$191.88 +16.6%	-1.1%	$11.30B	$2.54B	23.61	7,300

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This page (NYSE:PAY) was last updated on 9/24/2026 by MarketBeat.com Staff.

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Paymentus (PAY) Competitors