Paymentus Holdings, Inc.
PAYTechnologyNASDAQSoftware - Infrastructure
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Daily timeframePart of the technology sector, Paymentus Holdings, Inc. (PAY) is listed under Software - Infrastructure. The $4.20B 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
$4.20B
Beta
1.34
P/E (TTM)
50.53
P/E (Fwd)
30.81
EPS (TTM)
$0.66
EPS (Fwd)
$1.08
ROE
15.0%
ROA
9.7%
Cash
$377.7M
Total Debt
$10.4M
Free CF
$109.5M
52W Change
6.3%
Annual Financials
Cash vs Debt
Where PAY stands vs its 150-day and 200-day moving averages
As of the October 12, 2026 close, PAY finished 9.59% above its 150-day moving average ($29.09) and 11.24% above its 200-day moving average ($28.66). 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 October 12, 2026 close, PAY's RSI(14) was 36.1, in neutral territory (between 30 and 70). The MACD histogram was positive, so short-term momentum leaned bullish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
With $377.7M in cash and $10.4M in debt, PAY maintains more liquidity than leverage. This favorable balance sheet position can be an asset when capital markets become less accommodating. 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.
The strong cash position relative to debt provides a financial cushion that reduces balance sheet risk. The elevated P/E ratio means the stock is priced for significant future growth. If earnings disappoint, the price correction could be sharp. No single metric tells the full story. Reviewing PAY's risk profile alongside its fundamentals and technical indicators provides a more complete picture.