COMPARE · Data as of August 27, 2026
NICE vs PAY
Verdict: Side-by-side breakdown using the Bull Rankings model. NICE scored 82.2, PAY scored 66.9 — NICE leads.
Compare another set
Different reporting periods. PAY's fundamentals are as of June 2026, but NICE's are as of December 2025 — a 6-month gap. Growth, margin and valuation figures below therefore describe different windows and aren't strictly like-for-like.
NICE
NICE Ltd.
82.2
$100.43 · $5.9B
fundamentals as of
Score gap
15.3
NICE leads
PAY
Paymentus Holdings, Inc.
66.9
$35.61 · $4.5B
fundamentals as of
At a glance · who leads each dimension, on the model's own rules
- CheapestNICE14.6x
- Fastest growthPAY+30.2%
- Strongest balance sheetPAY0.02
- Highest qualityNICE84 / 100
- Largest discount to fair valueNICE-54%
Side by side · every name on one set of axes
Growth against the P/E multiple. Up and to the right is cheaper and faster — the quality-growth idea in one picture. Points beyond the axis are pinned to the edge and marked off-scale rather than allowed to compress everything else.
The model, pillar by pillar (0–100 each)
NICE
stronger →← stronger
PAY
84
Qualityreturns · margins · balance sheet
68
76
Growthrevenue & earnings expansion
96
87
Valuevaluation vs sector peers
46
NICE is stronger on 2 of 3 pillars.
Fundamentals, head-to-head
NICE
PAY
$698mC+
FCF
$159mC
+7.7%B
Rev
+30.2%A
0.02A
D/E
0.02A
14.6xA-
P/E
54.0xC+
0.75A-
PEG
3.45D
Winner per row is the stronger grade; where grades tie, the better figure breaks it. A true tie or a missing value shows no highlight.
Valuation · DCF cross-check
NICE
PAY
54% below
Price vs fair valuelower is cheaper
82% above
~-10%/yr
Growth the price implies10-yr FCF · lower = less priced in
~26%/yr
+92%
1-yr DCF upside
-53%
+119%
5-yr DCF upside
-45%
+164%
10-yr DCF upside
-31%
The DCF is a cross-check on intrinsic value, separate from the quality-growth score above.
Model signals
NICE
Why this score
- Buying back stock
PAY
No notable signals flagged.
The companies
NICENICE Ltd.
Why now
Software - Application · market cap $5.9b. Down 35% from 52-week high of $153.68 — deep drawdown territory. PEG 0.75 — paying under fair value for the growth rate. 13 sell-side analysts rate this a Buy with a mean 1-yr target of $125.85 (implying +25% upside).
Moat
Net margin 21% sits well above the S&P median (~11%) — suggests structural pricing advantage or cost discipline competitors can't quickly close. ROE 16% sits above Buffett's preferred 15% threshold — the equity base is compounding at a rate the market struggles to discount accurately. FCF converts 114% of net income — earnings translate cleanly into cash, a sign that working capital and capex are well-disciplined.
Risk
Down 35% from the 52-week high — the market is pricing in something the screen can't see; verify the bear case before sizing up. Software — competitive moat is durable until it isn't; watch net revenue retention, gross margin trends, and any new market entrant with a fundamentally lower price point.
PAYPaymentus Holdings, Inc.
Why now
Software - Infrastructure · market cap $4.5b. Down 21% from 52-week high of $45.31 — deep drawdown territory. Revenue growing +30% — in hypergrowth territory. 6 sell-side analysts rate this a Buy with a mean 1-yr target of $39.33 (implying +10% upside).
Moat
ROE 14% meets the long-run market sustainable threshold — solid but not differentiated; the durability comes from elsewhere. FCF converts 188% of net income — earnings translate cleanly into cash, a sign that working capital and capex are well-disciplined. Software economics — recurring revenue, embedded customer workflows, and high gross margin all compound the moat once a base account is won. Switching costs are the lever.
Risk
Trailing P/E 54.0x prices in sustained high growth — any quarter that disappoints triggers sharp re-rating. Software — competitive moat is durable until it isn't; watch net revenue retention, gross margin trends, and any new market entrant with a fundamentally lower price point.
Verdict — model-derived comparison
Generating verdict… typically 5–10 seconds
Not investment advice. The Bull Rankings publishes a quantitative ranking model and accompanying analysis for general informational purposes only. Nothing on this page is a recommendation to buy, sell, or hold any security; nothing is personalized to your circumstances, risk tolerance, or tax situation. Investing carries the risk of loss — invest at your own risk and consider consulting a licensed financial professional before acting on anything you read here. See terms and methodology for full disclosures.
Where NICE and PAY diverge
On the headline score the gap is 15.3 points in favor of NICE. They get there differently, though — each leads on a different pillar, so the better pick depends on which you weight.
- ValueNICE 87.2 · PAY 45.7NICE +41.5
- GrowthNICE 76.0 · PAY 95.9PAY +19.9
- QualityNICE 83.7 · PAY 68.5NICE +15.2
Pillars run 0–100 against sector peers, so a score is a statement about a company relative to its own industry rather than to the other name here. A wide Value gap usually means the market already prices the difference in quality or growth — which is the trade-off this comparison comes down to.