Paymentus Holdings, Inc.
PAYTechnologyNASDAQSoftware - Infrastructure
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Daily timeframePaymentus Holdings, Inc. provides cloud-based bill payment technology and solutions in the United States and internationally. The $4.49B market capitalization puts PAY squarely in mid-cap range for its industry. The company offers electronic bill presentment and payment services, enterprise customer communication, and self-service revenue management to billers through a software-as-a-service, secure, and omni channel technology platform.
Market Cap
$4.49B
Beta
1.31
P/E (TTM)
54.02
P/E (Fwd)
33.29
EPS (TTM)
$0.66
EPS (Fwd)
$1.07
ROE
15.0%
ROA
9.7%
Cash
$377.7M
Total Debt
$10.4M
Free CF
$109.5M
52W Change
1.5%
Annual Financials
Cash vs Debt
Where PAY stands vs its 150-day and 200-day moving averages
As of the August 21, 2026 close, PAY finished 41.51% above its 150-day moving average ($27.15) and 34.15% above its 200-day moving average ($28.64). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is PAY overbought or oversold?
At the August 21, 2026 close, PAY's RSI(14) was 58.0, in neutral territory (between 30 and 70). The MACD histogram was negative, so short-term momentum leaned bearish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
The balance sheet looks solid with $377.7M in cash comfortably exceeding the $10.4M debt load. A net cash position generally provides financial flexibility during uncertain economic periods. Annual free cash flow of $109.5M supports ongoing capital allocation decisions and provides a cushion against unexpected expenses or downturns. ROE of 15.0% points to strong capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. An ROA of 9.7% suggests reasonable efficiency in deploying the company's asset base. Revenue has grown from $497.0M (2022) to $1.20B (2025), reflecting a 141% increase over the period.
With cash comfortably exceeding debt, PAY has financial flexibility that may help navigate uncertain periods. The elevated P/E ratio means the stock is priced for significant future growth. If earnings disappoint, the price correction could be sharp. These risk factors are not exhaustive — macroeconomic shifts, regulatory changes, and competitive dynamics can all influence Paymentus Holdings, Inc.'s trajectory.