Paymentus Holdings IncPAY
Price$30.81Intrinsic value$35.5015% above price

Valuation

How Intrinsic Value compares with model outputs

Intrinsic Value $35.50median of 6 methods · middle span $23-$75based on filings through 30 Jun 2026
Market Price $30.81Price as of 1 Oct 2026
Margin of Safety +15.2%as of 1 Oct 2026

Valuation methods vs. Market Price

Company vs. peer median Members

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Assumptions

ParameterValue
Years 1–5: analyst growth pathFive-year total matches analyst consensus exactly. Year 1: 29.4% (near-term consensus, capped) · years 2–5: 27.7%/yr (balance of the path).28.0% per year
Years 6–10: glide to demonstrated growth own history 41.0%, capped at 20%
Per-year rates
Yr 626.2%Yr 724.6%Yr 823.1%Yr 921.5%Yr 1020.0%
27.7% → 20.0%
Years 11–20: glide to long-run rate
Per-year rates
Yr 1118.3%Yr 1216.6%Yr 1314.9%Yr 1413.2%Yr 1511.5%Yr 169.8%Yr 178.1%Yr 186.4%Yr 194.7%Yr 203.0%
20.0% → 3.0%
Beyond year 20: terminal growthPerpetual long-run rate3.0%
Historical EPS growth (multi-year median)median of 2 windows (5/6y) (limited history)41.0%
Discount rate (cost of equity) 10.4%
Volatility vs market (adjusted beta)1.22

Valuation Detail Members

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Assumptions Sandbox Members

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Compare with peers

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Best in rowHigher is betterLower is better—Data not available
TargetPaymentus Holdings IncPAYInformation Technology
Valuation
P/E46.7×
P/S3.3×
P/B7.6×
EV / Revenue3.1×
EV / EBITDA24.7×
Profitability
Gross margin24.1%
Operating margin7.4%
Net margin6.2%
FCF margin11.7%
Returns
ROE13.8%
ROA11.7%
ROIC—
Growth
Revenue growth (YoY)56.1%
5-yr fwd EPS growth28.0%
Financial strength
Debt / Equity—
Current ratio4.89×
Altman Z-Score25.2
Interest coverage—
Dividend yield—

Best value in each row is highlighted. Figures are periodic snapshots from the same filings used across each dossier; a dash means the figure is not available.

AI-assisted, source-linked narrative; figures from company filings (SEC EDGAR) and market data. Dates shown per section. Not investment advice. Terms of Use.