Paymentus Holdings, Inc.
PAYTechnologyNASDAQSoftware - Infrastructure · Last scanned Jun 3, 2026
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Daily timeframePart of the technology sector, Paymentus Holdings, Inc. (PAY) is listed under Software - Infrastructure. Valued at $2.81B, PAY is a mid-cap name in its sector. 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
$2.81B
Beta
1.40
P/E (TTM)
39.21
P/E (Fwd)
21.96
EPS (TTM)
$0.57
EPS (Fwd)
$1.02
ROE
13.7%
ROA
8.4%
Cash
$338.8M
Total Debt
$6.6M
Free CF
$92.3M
52W Change
-41.5%
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. The company generates $92.3M in free cash flow annually, which funds everything from R&D to shareholder returns without needing external financing. 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.
The strong cash position relative to debt provides a financial cushion that reduces balance sheet risk. No single metric tells the full story. Reviewing PAY's risk profile alongside its fundamentals and technical indicators provides a more complete picture.