Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
PAY
Strong BuyPremium GrowerFLAGPaymentus Holdings, Inc. · Technology · United States · $4.5B · Avg Vol: $46M/d
Paymentus Holdings has exceptional quality Q79 and momentum M56, but value at V36 is below the calibrated floor, so stage one fails.
COMPANY DESCRIPTION
Paymentus Holdings, Inc. provides a leading cloud-based electronic bill presentment and payment (EBPP) platform that enables businesses to streamline customer billing and payment processes. The company's Instant Payment Network connects billers directly to major consumer platforms, facilitating real-time payments across multiple channels. Its competitive moat is driven by high customer retention rates, a scalable SaaS business model, and deep integrations with enterprise billing systems.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 497.0M | 614.5M | 871.7M | 1.2B | 34.0% | 1.4B | 1.4B | 1.7B | 19.3% |
| EPS | -0.00 | 0.18 | 0.36 | 0.53 | 71.6% | 0.66 | 0.74 | 0.86 | 27.4% |
| Shares | 123.2M | 123.8M | 124.8M | 125.6M | +1.9% | — | — | — | — |
| Debt | 12.6M | 10.5M | 8.4M | 6.9M | -18.4% | 10.4M | — | — | — |
| Equity | 397.2M | 429.6M | 485.6M | 560.4M | 12.2% | — | — | — | — |
| Op CF | 19.9M | 68.8M | 63.6M | 162.1M | 101.3% | 159.5M | — | — | — |
| Inv CF | -34.6M | -34.3M | -36.8M | -36.5M | — | — | — | — | — |
| Fin CF | -37.3M | -1.2M | -0.2M | -10.6M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Technology, ranked by industry match, size, and score similarity. Cross-listings of PAY are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| PAY | Paymentus Holdings, Inc.(you) | $4.5B | 88 | Strong Buy |
| ACIW | ACI Worldwide, Inc. | $5.4B | 86 | Strong Buy |
| WEX | WEX Inc. | $6.7B | 88 | Strong Buy |
| RELY | Remitly Global, Inc. | $5.6B | 94 | Strong Buy |
| NTCT | NetScout Systems, Inc. | $2.8B | 89 | Strong Buy |
| QLYS | Qualys, Inc. | $6.5B | 92 | Strong Buy |
| DOX | Amdocs Limited | $6.6B | 82 | Strong Buy |
| TDC | Teradata Corporation | $2.7B | 91 | Strong Buy |
| AVP.SI | AvePoint, Inc. | $3.0B | 82 | Strong Buy |
| FIVN | Five9, Inc. | $2.5B | 91 | Strong Buy |
Peer medians: ROE 4.6% · P/E 35.1x · Gross margin 51.3%