NYSE
PAY
Last Price
US $25.41
KEY FIGURES
MKT CAP
$2.9B
EPS
TTM
$0.59
PEG
TTM
0.98x
P/E
TTM
39.71x
P/S
TTM
2.46x
YIELD
0.00%
GROWTH
Revenue Y/Y
31.72%
(FY vs FY)
EBITDA Y/Y
Cash Flow (DCF)
Fair Value
Market $25.41
0.08%
Default assumptions
EBITDA Multiple
Fair Value
Market $25.41
-62.34%
Default assumptions
Valuation
Financial
Performance
Financial stability - Cash flow debt coverage.
Paymentus Holdings, Inc. cash flow to debt ratio of 1.42K% indicates that the company generates enough cash to cover a substantial portion of its debt. This level indicates very strong financial health.
Financial stability - Healthy cash flow growth.
Paymentus Holdings, Inc.'s free cash flow has increased 156.05% from $63.18M last year to $161.77M, signaling increasing performance
Financial stability - Healthy debt to equity ratio.
Paymentus Holdings, Inc.'s debt to equity ratio is 0.01, which means that the company's assets are healthy financed, signaling financial stability. READ MORE: A ratio under 0.60 means the company finances its assets with own equity, signaling financial stability and good management.
Financial stability - Healthy debt to equity ratio development.
Paymentus Holdings, Inc.'s debt has decreased relative to shareholder equity from 0.02 last year to 0.01 today, signaling strengthened financials
Financial stability - Net debt/EBITDA.
Paymentus Holdings, Inc. has a net debt to EBITDA ratio of 0.00x, which is below the 3.00x threshold, indicating healthy leverage and financial stability
Financial stability - ICR.
Paymentus Holdings, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.
Financial stability - Profit margin growth.
Paymentus Holdings, Inc.'s profit margin has increased (14.18%) in the last year from 5.07% to 5.79%, signaling increasing performance
Financial stability - Short term assets vs short term liabilities.
Paymentus Holdings, Inc.'s short-term assets of $441.33M exceed its short-term liabilities of $98.85M
Increasing performance - ROA.
Paymentus Holdings, Inc.'s return on assets of 10.60% is higher than the 5.00% threshold, indicating efficient asset utilization
Decreasing performance - Absolute return on equity.
Paymentus Holdings, Inc.'s return on equity of 13.47%, is lower than 15.00%, indicating bad performance
Increasing performance - Earnings quality.
Paymentus Holdings, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation
Increasing performance - Earnings stability.
Paymentus Holdings, Inc. had positive net income in 4.00 out of 5 years, indicating stable and consistent earnings
Increasing performance - Free cash flow.
Paymentus Holdings, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures
Increasing performance - FCF yield.
Paymentus Holdings, Inc. has a free cash flow yield of 5.50%, which is above the 2.00% threshold, indicating strong cash generation relative to market value
Increasing performance - Healthy earnings growth.
Paymentus Holdings, Inc.'s yearly earnings has increased 51.55% since last year from $44.17M to $66.94M, signaling increasing performance
Increasing performance - Healthy revenue growth.
Paymentus Holdings, Inc.'s yearly revenue has increased 37.25% since last year from $871.75M to $1.20G, signaling increasing performance
Increasing performance - ROIC.
ROIC 11.15% (Source: FMP key-metrics). At or above the 10% threshold. Score: 2 of 2. The company is generating returns above the upper end of the typical US weighted-average cost of capital range under this definition of invested capital.
Increasing performance - 3-year revenue CAGR.
Paymentus Holdings, Inc.'s 3-year revenue CAGR of 34.03% is positive, indicating growing revenue over the past 3 years
Increasing performance - Revenue consistency.
Paymentus Holdings, Inc. had revenue growth in 5.00 out of 5 years, indicating consistent revenue performance
Increasing performance - ROE consistency.
Paymentus Holdings, Inc. had positive ROE in 4.00 out of 5 years, indicating consistent and reliable returns on equity
Undervalued - DCF valuation.
Paymentus Holdings, Inc. is undervalued relative to its fair value price of 25.43 based on Discounted Cash Flow model
Overvalued - Earnings yield.
Paymentus Holdings, Inc. has an earnings yield of 2.51%, which is below the 4.00% threshold, indicating the stock may be expensive relative to its earnings
Overvalued - EBITDA valuation.
Paymentus Holdings, Inc. is overvalued relative to its fair value price of 9.57 based on EBITDA multiple model
Undervalued - EV/EBITDA.
Paymentus Holdings, Inc. has an EV/EBITDA ratio of 19.03x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings
Undervalued - PEG ratio value.
Paymentus Holdings, Inc. has a PEG-ratio under 1 which is considered undervalued
Overvalued - P/B ratio.
Paymentus Holdings, Inc. has a price-to-book ratio of 5.05x, which exceeds the 5.00x threshold, indicating the stock may be overvalued relative to its book value
Undervalued - P/S ratio.
Paymentus Holdings, Inc. has a price-to-sales ratio of 2.30x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue
Profit margin
Current Ratio
Capital Returns
13.47%
Return on equity
ROIC: 11.15%
Valuation History
39.7X
Price to Earnings
EV/EBITDA: 19.0X
Cash flow
Profit margin
36.67%
(FY vs FY)
Cash flow Y/Y
50.76%
(FY vs FY)
Base valuations use default assumptions. Customize in the Valuator.