Paymentus Holdings, Inc.

Paymentus Holdings, Inc.

PAYยทNYSE

$21.11

-13%
TechnologyInformation Technology Services

Paymentus Holdings, Inc. provides cloud-based bill payment technology and solutions. 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 technology platform. The company serves utility, financial service, insurance, government, telecommunication, and healthcare industries. The company was founded in 2004 and is based in Redmond, Washington.

At a Glance

Live Snapshot
Market Cap$2.65B
EPS0.5300
P/E Ratio39.83
Earnings Date08/03/2026
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Paymentus Holdings, Inc. Street Expectations Map

PAY ยท NYSE

Wall Street analysts project that PAY stock may rise significantly over the coming 12 months. The consensus 1-year price target stands at 34.50, with estimates ranging from a low of 32.00 to a high of 36.00.

Lowest Target
32.00
51.59%
Consensus Target
34.50
63.43%
Highest Target
36.00
70.54%

The consensus 1-year price target stands at 34.50, with estimates ranging from a low of 32.00 to a high of 36.00.

Analyst Consensus Analysis

Upside Potential

+63.4%

Substantial upside potential. Analysts see significant value gap, suggesting the stock may be materially undervalued at current levels.

Analyst Agreement

11.6% spread

High analyst agreement. Narrow target range indicates strong consensus on valuation, suggesting clear investment thesis and predictable outlook.

Analyst Conviction

Very High

Strong buy conviction: High upside with tight consensus suggests compelling investment opportunity backed by analyst confidence.

Market Sentiment Insight

Rare opportunity: Exceptional upside potential with strong analyst consensus creates a compelling setup. The combination of significant price target premium and tight agreement suggests high-conviction undervaluation that may attract institutional capital.

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Paymentus Holdings, Inc. Forward Estimates of Revenue

PAY ยท NYSE
Latest Revenue
1.20B
FY 2025
Avg Estimate
1.44B
FY 2026
Estimate Range
1.42B - 1.47B
Analyst Spread

Forward Growth Analysis

Projected Growth+20.1%

Strong growth expectations signal robust business momentum and market opportunity expansion.

Analyst Coverage5 Analysts

Moderate coverageโ€”sufficient for guidance but may lack depth of large-cap analysis.

Estimate Spread3%

Narrow estimate range signals strong analyst consensus and predictable business outlook.

OutlookStrong

Positive analyst consensus with strong growth expectations and forecast confidence.

Key Insight

Compelling growth story with analyst consensus: Strong projected growth combined with narrow estimate spread suggests high-conviction opportunity.

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Paymentus Holdings, Inc. Forward Estimates of Net Income

PAY ยท NYSE
Latest Net Income
66.96M
FY 2025
Avg Estimate
98.92M
FY 2026
Estimate Range
95.26M - 102.59M
Analyst Spread

Forward Growth Analysis

Projected Growth+47.7%

Strong growth expectations signal robust business momentum and market opportunity expansion.

Analyst Coverage5 Analysts

Moderate coverageโ€”sufficient for guidance but may lack depth of large-cap analysis.

Estimate Spread7%

Narrow estimate range signals strong analyst consensus and predictable business outlook.

OutlookStrong

Positive analyst consensus with strong growth expectations and forecast confidence.

Key Insight

Compelling growth story with analyst consensus: Strong projected growth combined with narrow estimate spread suggests high-conviction opportunity.

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Paymentus Holdings, Inc. Forward Estimates of EPS

PAY ยท NYSE
Latest EPS
0.53
FY 2025
Avg Estimate
$0.77
FY 2026
Estimate Range
$0.75 - $0.80
Analyst Spread

Forward Growth Analysis

Projected Growth+44.3%

Strong growth expectations signal robust business momentum and market opportunity expansion.

Analyst Coverage5 Analysts

Moderate coverageโ€”sufficient for guidance but may lack depth of large-cap analysis.

Estimate Spread8%

Narrow estimate range signals strong analyst consensus and predictable business outlook.

OutlookStrong

Positive analyst consensus with strong growth expectations and forecast confidence.

Key Insight

Compelling growth story with analyst consensus: Strong projected growth combined with narrow estimate spread suggests high-conviction opportunity.

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Paymentus Holdings, Inc. Forward Estimates of EBIT

PAY ยท NYSE
Latest EBIT
85.28M
FY 2025
Avg Estimate
46.60M
FY 2026
Estimate Range
46.15M - 47.67M
Analyst Spread

Forward Growth Analysis

Projected Growth-45.4%

Significant contraction projectedโ€”major business challenges or industry disruption likely.

Analyst Coverage5 Analysts

Moderate coverageโ€”sufficient for guidance but may lack depth of large-cap analysis.

Estimate Spread3%

Narrow estimate range signals strong analyst consensus and predictable business outlook.

OutlookNeutral

Mixed signalsโ€”some positive indicators offset by concerns about growth or uncertainty.

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Paymentus Holdings, Inc. Forward Estimates of EBITDA

PAY ยท NYSE
Latest EBITDA
126.33M
FY 2025
Avg Estimate
95.68M
FY 2026
Estimate Range
94.75M - 97.87M
Analyst Spread

Forward Growth Analysis

Projected Growth-24.3%

Significant contraction projectedโ€”major business challenges or industry disruption likely.

Analyst Coverage5 Analysts

Moderate coverageโ€”sufficient for guidance but may lack depth of large-cap analysis.

Estimate Spread3%

Narrow estimate range signals strong analyst consensus and predictable business outlook.

OutlookNeutral

Mixed signalsโ€”some positive indicators offset by concerns about growth or uncertainty.

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Paymentus Holdings, Inc. Forward Estimates of SG&A Expense

PAY ยท NYSE
Latest SG&A Expense
159.33M
FY 2025
Avg Estimate
270.46M
FY 2026
Estimate Range
267.83M - 276.66M
Analyst Spread

Forward Growth Analysis

Projected Growth+69.7%

Strong growth expectations signal robust business momentum and market opportunity expansion.

Analyst Coverage5 Analysts

Moderate coverageโ€”sufficient for guidance but may lack depth of large-cap analysis.

Estimate Spread3%

Narrow estimate range signals strong analyst consensus and predictable business outlook.

OutlookStrong

Positive analyst consensus with strong growth expectations and forecast confidence.

Key Insight

Compelling growth story with analyst consensus: Strong projected growth combined with narrow estimate spread suggests high-conviction opportunity.

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Paymentus Holdings, Inc. Insider Positioning

PAY ยท NYSE

During the last 12 months, there has been no insider trading activity reported for PAY.

3 Months

Bought

0

0.00

Sold

0

0.00

Net Activity

+0

+$0

3-6 Months

Bought

0

0.00

Sold

0

0.00

Net Activity

+0

+$0

6-9 Months

Bought

0

0.00

Sold

0

0.00

Net Activity

+0

+$0

9-12 Months

Bought

0

0.00

Sold

0

0.00

Net Activity

+0

+$0

Top Buyers

No buying activity

Top Sellers

No selling activity

Insider Activity Analysis

Net Insider Sentiment

Neutral

No insider trading activity reported. This could indicate blackout periods, lack of conviction, or regulatory restrictions.

Insider Participation

No Activity

No insider trading activity reported from any insiders in the past year.