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PAY

Paymentus Holdings, Inc.

Technology · $3.8B market cap

Verdict

Share price

$30.83

close of Oct 3, 2026

Fair value

$15.59

Sticker Price

Payback Price

$6.23

buy price

Overpriced

PAY is Overpriced: at $30.83 it trades 98% above its fair value of $15.59. Its buy price (Payback Price) is $6.23, 80% below today's price. Business quality is mixed: 2 of 5 key numbers clear the 10% bar.

How we valued it

Buffett Normalized. A profitable, growing business, so we project its earnings 10 years ahead and work out what that is worth today.

Business quality

2 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth74.0% a year✓
Equity per share growth10.5% a year✓
Sales growth1.6% a year✗
Free cash flow growth-4.1% a year✗
Return on invested capital7.1%✗

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About Paymentus Holdings, Inc.

Paymentus Holdings, Inc. delivers cloud-native technological solutions aimed at streamlining bill payments. Through its Software-as-a-Service (SaaS) platform, the company equips organizations (referred to as "billers") with services for electronic bill presentation, digital payment processing, enhanced enterprise customer communication, and self-service revenue collection. Its clientele spans a broad spectrum of…

Software - Infrastructure

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works