Paymentus Holdings, Inc. (PAY) — Stock Score Summary

Paymentus Holdings, Inc. (PAY) has a MoatMap StockRank of 66/100 based on Quality (78/100), Value (43/100), and Momentum (28/100) factor scores. The current signal is BUY. Paymentus is a high-quality bill payment platform with strong growth. However, it lacks any connection to our 18-month macro themes, and we default to remove to maintain strict thematic focus.

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.

Key Financial Metrics

Price$21.11
Market Cap$2.9B
P/E (TTM)37.14
P/E (Forward)20.80
Price/Book4.56
Return on Equity13.7%
Return on Invested Capital13.3%
Debt/Equity1.14
Gross Margin24.7%
Operating Margin7.4%
Revenue Growth30.2%
Free Cash Flow$92M

Paymentus Holdings, Inc. operates in the Software - Infrastructure industry, part of the Technology sector (United States).

Frequently Asked Questions

What is Paymentus Holdings, Inc.’s (PAY) StockRank?
MoatMap’s StockRank for Paymentus Holdings, Inc. (PAY) is 66/100, with a Buy signal. It is a composite of Quality (78), Value (43), and Momentum (28) factor ranks across MoatMap’s 19,000+ stock universe.
Does Paymentus Holdings, Inc. have an economic moat?
Paymentus Holdings, Inc. (PAY) has a Quality factor score of 78/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Paymentus Holdings, Inc. a buy, hold, or sell?
MoatMap’s current signal for Paymentus Holdings, Inc. (PAY) is Buy, based on a StockRank of 66/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is Paymentus Holdings, Inc. in?
Paymentus Holdings, Inc. (PAY) operates in the Technology sector, specifically the Software - Infrastructure industry (United States).
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