Paymentus Holdings, Inc. (PAY) Stock Forecast Oct. 16, 2026
Analysis updated on Oct. 16, 2026 (UTC) · Alpha · vs marketSwitch to Total · NYSE
Paymentus Holdings, Inc. (PAY) stock forecast summary
On Oct. 16, 2026, PAY is rated Neutral: its 90-day Alpha forecast sits in the middle 30% of the 5172 stocks scored that day.
Paymentus Holdings, Inc. is a mid-cap company with a market capitalization of $3.97B. It ranks number 40 by market capitalization among the 60 Services-Business Services, NEC issuers in our coverage with a current forecast. Its D/E Ratio of 0.18x is the lowest of the 51 peers that report one.
For PAY, the Spearman rank correlation between our 90-day forecasts and the returns that followed is 16.0%, measured on 357 forecast dates between 2022-07-29 and 2026-07-17 on this stock's own recent history. A rank correlation runs from -100% to +100%: it measures whether higher forecasts were followed by higher returns, and a value near zero or below means the model has shown little skill on this stock. On the 30-day forecasts the same correlation is 14.0%, measured on 400 forecast dates between 2022-07-29 and 2026-09-16. Across our coverage, the out-of-sample test on 4495 stocks from 2025-01-06 to 2026-07-07 produced a positive net return in 82.5% of rebalance periods (factor-neutral book, net of estimated costs). Full backtest report
Expected return relative to the market over the horizon: a positive alpha means the model expects the stock to beat the market, whatever the market does. Ratings: strong buy ≥ +1.8%, buy ≥ +0.2%, sell < -0.9%, strong sell < -1.2% (top 15%, next 20%, middle 30%, next 20%, bottom 15% of the 2026-10-16 signals)
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How PAY ranks among 5172 stocks
90D Alpha forecasts of every company scored, cut into five relative ratings at the 15th, 35th, 65th and 85th percentiles (dashed lines).
Paymentus Holdings, Inc. (PAY) fundamentals
Trailing twelve months. The industry median and the rank (1 = highest) are taken over the Services-Business Services, NEC peers listed below that report each metric.
Valuation & Market
| Metric | PAY | Rank |
|---|---|---|
| Market Cap | $3.97B | 40/60 |
| P/E Ratio | 51.70x | 11/46 |
| P/B Ratio | 6.48x | 16/47 |
| EPS | $0.61 | – |
| Book Value/Share | $4.87 | – |
| Revenue/Share | $10.80 | – |
| FCF/Share | $1.26 | – |
Profitability & Margins
| Metric | PAY | Rank |
|---|---|---|
| ROE | 13.8% | 25/39 |
| ROA | 11.7% | 16/42 |
| ROIC | 16.5% | 21/44 |
| Gross Margin | 24.9% | 37/41 |
| Operating Margin | 7.6% | 33/51 |
| Net Margin | 6.2% | 28/45 |
| EBT Margin | 8.4% | 31/53 |
| Tax Rate | 25.5% | – |
Financial Health
| Metric | PAY | Rank |
|---|---|---|
| Current Ratio | 4.89x | 3/55 |
| D/E Ratio | 0.18x | 51/51 |
| Financial Leverage | 1.18x | 47/47 |
| Working Capital | $393M | 27/55 |
Cash Flow
| Metric | PAY | Rank |
|---|---|---|
| Operating Cash Flow | $160M | 40/54 |
| Free Cash Flow | $159M | 33/45 |
| Capital Spending | -$380K | 1/45 |
| OCF Growth YoY | 36.8% | 12/45 |
| FCF Growth YoY | 36.9% | 10/40 |
| FCF/Sales | 11.7% | 31/45 |
| CapEx/Sales | 0.0% | 45/45 |
Operational Efficiency
| Metric | PAY | Rank |
|---|---|---|
| Asset Turnover | 1.88x | 3/42 |
| Fixed Assets Turnover | 586.6x | 1/43 |
| Payables Period | 25 days | 16/34 |
Income Statement
| Metric | PAY | Rank |
|---|---|---|
| Total Revenue | $1.36B | 35/48 |
| Operating Income | $103M | 33/52 |
| Net Income | $85M | 28/45 |
| R&D Expense | $63M | 23/26 |
| SG&A Expense | $224M | 36/42 |
| Cost of Goods Sold | $1.02B | 25/42 |
Dividend & Shareholder Information
| Metric | PAY | Rank |
|---|---|---|
| Shares Outstanding | 126M | – |
| Net Income Growth | 51.3% | 7/35 |
| EPS Growth | 56.4% | 9/36 |
Balance Sheet Highlights (USD millions)
| Total Current Assets | $494M | 68.2% of assets |
| Cash & Short-term Investments | $378M | 52.1% of assets |
| Total Liabilities | $112M | 15.4% of assets |
| Short-term Debt | $31M | 4.2% of assets |
PAY quarterly financials and insider trading
Paymentus Holdings, Inc. (PAY) industry peers
Companies classified under the same SEC industry code as Paymentus Holdings, Inc. (Services-Business Services, NEC): 60 common-stock issuers with a forecast this week, one row per issuer, largest first. This is a classification match, not a curated list of competitors.
Reveal all forecasts · See exact % predictions for all competitors
Sign up free| Company | 90-Day AI Forecast (Alpha) | Market Cap |
|---|---|---|
| PAY Paymentus Holdings, Inc. | ▶ | $3.97B |
| V Visa Inc. | ▶ | $739.03B |
| MA Mastercard Inc | ▼ | $540.87B |
| BABA Alibaba Group Holding Ltd | ▶ | $253.06B |
| ACN Accenture Plc | ▶ | $153.33B |
| UBER Uber Technologies, Inc | ▶ | $143.69B |
| PDD Pdd Holdings Inc. | ▼ | $116.09B |
| MELI Mercadolibre Inc | ▶ | $92.98B |
| DASH Doordash, Inc. | ▶ | $81.96B |
| RELX Relx Plc | ▼ | $71.05B |
| EBAY Ebay Inc | ▼ | $53.52B |
| PYPL Paypal Holdings, Inc. | ▼ | $53.05B |
| MSCI Msci Inc. | ▼ | $41.37B |
| CPAY Corpay, Inc. | ▼ | $26.25B |
| TCOM Trip.Com Group Ltd | ▼ | $26.21B |
| FISV Fiserv Inc | ▼ | $25.29B |
| GPN Global Payments Inc | ▼ | $22.14B |
| BR Broadridge Financial Solutions, Inc. | ▼ | $19.97B |
| FIS Fidelity National Information Services, Inc. | ▼ | $18.57B |
| KSPI Joint Stock Co Kaspi.Kz | ▶ | $17.73B |
| FICO Fair Isaac Corp | ▲ | $16.66B |
| RBA Rb Global Inc. | ▼ | $15.61B |
| CSGP Costar Group, Inc. | ▶ | $13.09B |
| AKAM Akamai Technologies Inc | ▲ | $12.62B |
| GRAB Grab Holdings Ltd | ▶ | $12.03B |
| CART Maplebear Inc. | ▶ | $11.54B |
| WSE Wise Group Plc | ▶ | $11.19B |
| ETSY Etsy Inc | ▲ | $7.81B |
| HQY Healthequity, Inc. | ▼ | $7.61B |
| Z Zillow Group, Inc. | ▲ | $6.93B |
| ANDG Andersen Group Inc. | ▲ | $6.58B |
| LYFT Lyft, Inc. | ▶ | $6.37B |
| EXLS Exlservice Holdings, Inc. | ▶ | $6.28B |
| WEX Wex Inc. | ▼ | $6.20B |
| MBGL Mobility Global Inc. | ▶ | $5.51B |
| XMTR Xometry, Inc. | ▲ | $5.21B |
| RELY Remitly Global, Inc. | ▲ | $5.11B |
| AMTM Amentum Holdings, Inc. | ▼ | $4.77B |
| DLO Dlocal Ltd | ▶ | $4.33B |
| SEZL Sezzle Inc. | ▶ | $4.30B |
| TNET Trinet Group, Inc. | ▼ | $3.25B |
| MMS Maximus, Inc. | ▼ | $3.22B |
| FOUR Shift4 Payments, Inc. | ▶ | $3.11B |
| CBZ Cbiz, Inc. | ▼ | $2.97B |
| PAYO Payoneer Global Inc. | ▼ | $2.41B |
| TIC Tic Solutions, Inc. | ▶ | $1.89B |
| ACVA Acv Auctions Inc. | ▲ | $1.78B |
| CNXC Concentrix Corp | ▲ | $1.70B |
| LQDT Liquidity Services Inc | ▼ | $1.37B |
| NUTX Nutex Health Inc. | ▲ | $1.31B |
| RDWR Radware Ltd | ▲ | $1.17B |
| RSKD Riskified Ltd. | ▲ | $1.09B |
| QNST Quinstreet, Inc | ▲ | $932M |
| PAYS Paysign, Inc. | ▲ | $836M |
| CASS Cass Information Systems Inc | ▶ | $700M |
| PHR Phreesia, Inc. | ▶ | $679M |
| PRTH Priority Technology Holdings, Inc. | ▶ | $645M |
| MAX Mediaalpha, Inc. | ▲ | $609M |
| CTEV Claritev Corp | ▲ | $375M |
| RMNI Rimini Street, Inc. | ▲ | $374M |
Where PAY sits on the market map
Paymentus Holdings, Inc. (PAY) stock news
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Paymentus Holdings, Inc. (PAY) stock forecast FAQ
What is the Paymentus Holdings, Inc. (PAY) stock forecast?
On Oct. 16, 2026, PAY is rated Neutral: its 90-day Alpha forecast sits in the middle 30% of the 5172 stocks scored that day.
How accurate are Paymentus Holdings, Inc. stock predictions?
For PAY, the Spearman rank correlation between our 90-day forecasts and the returns that followed is 16.0%, measured on 357 forecast dates between 2022-07-29 and 2026-07-17 on this stock's own recent history. A rank correlation runs from -100% to +100%: it measures whether higher forecasts were followed by higher returns, and a value near zero or below means the model has shown little skill on this stock. On the 30-day forecasts the same correlation is 14.0%, measured on 400 forecast dates between 2022-07-29 and 2026-09-16. Across our coverage, the out-of-sample test on 4495 stocks from 2025-01-06 to 2026-07-07 produced a positive net return in 82.5% of rebalance periods (factor-neutral book, net of estimated costs). Full backtest report
How often are Paymentus Holdings, Inc. forecasts updated?
Paymentus Holdings, Inc. forecasts are refreshed on trading days as the daily model run completes. The forecast on this page was produced on Oct. 16, 2026.
Which companies are Paymentus Holdings, Inc.'s industry peers?
60 issuers in our coverage, PAY included, share the SEC industry code Services-Business Services, NEC. The largest are: Visa Inc. (V), Mastercard Inc (MA), Alibaba Group Holding Ltd (BABA), Accenture Plc (ACN), Uber Technologies, Inc (UBER), Pdd Holdings Inc. (PDD).
This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.