Key findings as of early August 2026: robust double-digit YoY growth in revenue and profitability metrics, but valuation multiples remain elevated; data sourced primarily from company IR releases and Yahoo Finance.
| Period | PAY Return | S&P 500 Return | Notes |
|---|---|---|---|
| YTD | 39.41% | 13.25% | Fact: Outperformed benchmark significantly. Interpretation: Suggests strong investor confidence in growth trajectory. |
| 1-Year | 50.15% | 22.47% | Fact from Yahoo Finance performance data. |
| 3-Year | 299.64% | 73.12% | Fact: Exceptional long-term gains. Uncertainty: Past performance does not guarantee future results; high volatility possible. |
| 5-Year | 55.13% | 76.08% | Fact: Underperformed benchmark over longer horizon. |
Yahoo Finance Historical Performance & Charts → | Nasdaq Historical Data →
Overview Facts: Paymentus Holdings, Inc. (founded 2004, HQ Charlotte, NC) provides cloud-based bill payment technology via SaaS platform. Revenue (TTM) ~$1.36B; Net Income (TTM) ~$84.86M; EPS (TTM) $0.57; Profit Margin ~6.24%; Employees ~1,340.
| Metric | Q4 2025 | FY 2025 | Q1 2026 | Q2 2026 (Est. highlights) |
|---|---|---|---|---|
| Revenue | $330.5M (+28.1% YoY) | $1.196B | $358.4M (+30.2% YoY) | Strong beat (details in news) |
| Contribution Profit | — | — | +25.2% YoY | — |
| Adjusted EBITDA | +46.3% YoY (Q4) | — | +41.5% YoY | — |
| Net Income | $20.7M | $66.9M | ~$20.9M (Q1 est.) | — |
Paymentus Investor Relations (Latest Earnings Releases) → | Yahoo Finance Financials → | Macrotrends Historical Statements →
Average 1-Year Target: $36.71
Range: $27.00 (Low) – $44.00 (High)
Recent Action (Aug 4, 2026): Baird maintains Neutral; raises target from $34 to $38.
Interpretation: Neutral stance despite growth may reflect valuation concerns (high P/E ~77 trailing).
Uncertainty: Analyst coverage is moderate; targets can change rapidly with earnings or market conditions.
Yahoo Finance Analyst Insights & Price Targets → | MarketBeat Ratings Summary →
Fact: Serves >2,500 billers and financial institutions across North America (utilities, financial services, insurance, government, telecommunications, healthcare, real estate, education, consumer finance, B2B, small businesses). Platform used by tens of millions of consumers and businesses. Extends reach via Instant Payment Network (IPN) partners.
Company IR – Customer Overview →
| Competitor | Focus / Differentiation | Comparison Notes |
|---|---|---|
| ACI Worldwide | Bill-payment infrastructure | Larger scale; direct rival in enterprise bill pay. |
| Fiserv / FIS | Bundled financial software & payments | Broader offerings; Paymentus more specialized in bill pay. |
| InvoiceCloud | Utility specialization | Niche overlap in utilities. |
| Bill.com (BILL) | Accounts payable/receivable automation | Adjacent B2B focus; listed as top peer in multiple analyses. |
| Zuora, Stripe, others | Billing/subscription or general payments | Broader or different models (e.g., developer-focused). |
Additional Peers Mentioned: Jack Henry & Associates (JKHY), WEX, Genpact, ExlService, Maximus; also KUBRA, PayNearMe in some landscapes.
MarketBeat Competitors List → | CSIMarket Competitor Glance →
Overview (Fact): Founded in 2004, Paymentus delivers electronic bill presentment, payment processing (credit/debit cards, echecks, digital wallets), enterprise communications, and self-service revenue management on a secure SaaS platform. Operates primarily in US with international expansion.
History (Fact): Established 2004 in Charlotte, NC area; went public via IPO/ direct listing path (exact date not detailed in sources); grown to process hundreds of millions of payments annually through organic and network effects (IPN).
Paymentus News Releases → | Yahoo Finance News Feed →