Paymentus Holdings, Inc.
PAYTechnologyNASDAQSoftware - Infrastructure · Last scanned Jul 18, 2026
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Daily timeframePart of the technology sector, Paymentus Holdings, Inc. (PAY) is listed under Software - Infrastructure. The company carries a $3.75B market cap, placing it firmly in the mid-cap category. 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
$3.75B
Beta
1.30
P/E (TTM)
52.25
P/E (Fwd)
29.39
EPS (TTM)
$0.57
EPS (Fwd)
$1.01
ROE
13.7%
ROA
8.4%
Cash
$338.8M
Total Debt
$6.6M
Free CF
$92.3M
52W Change
2.8%
Annual Financials
Cash vs Debt
With $338.8M in cash and $6.6M in debt, PAY maintains more liquidity than leverage. This favorable balance sheet position can be an asset when capital markets become less accommodating. Free cash flow comes in at $92.3M, providing flexibility for reinvestment, buybacks, or dividends. Consistent free cash flow generation is often considered a sign of operational health. Return on equity stands at 13.7%, which is decent for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. An ROA of 8.4% 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. At over 50x earnings, PAY carries valuation risk — any slowdown in growth expectations could lead to meaningful price adjustments. Understanding these risk dimensions helps frame what to watch going forward as conditions evolve for Paymentus Holdings, Inc. and its sector.