Paymentus Holdings, Inc. — Software - Infrastructure. Scored on the same transparent 7-signal model behind the daily rankings.
★
PAY
Paymentus Holdings, Inc. · Software - Infrastructure
FCF$142mC
Rev+37.3%A
D/E0.01A
P/E51.2xC+
PEG1.33B
75.2Score
$29.18$3.7B
1Y Target$34.29Analyst consensus · 7 analysts
5Y Target$50.20Compound horizon
10Y Target$74.46Long-dated conviction
FCF$142mTTMC
FCF $142m — modest; watch for margin expansion
Rev+37.3%TTM YoYA
Revenue +37.3% — hypergrowth, top decile
D/E0.01A
D/E 0.01 — least levered decile in Technology (≈10th pctile)
P/E51.2xC+
P/E 51.2 — above the Technology median (≈75th pctile)
PEG1.33proxyB
PEG 1.33 — acceptable premium for growth · PEG proxy: P/E ÷ revenue growth % (true PEG requires forward EPS estimates, not in Finnhub free tier).
Forward price target — the 1-year figure is the analyst consensus where the stock is covered; the 5- and 10-year figures compound our earnings estimate from there. The DCF below is a separate cross-check on intrinsic value (what it's worth today), not another target.
Quality-growth score · 75.2
Quality0.66
Growth1.00
Value0.64
Entry · Margin of safety
52-week rangeMid-range
26% off the 12-month high
vs DCF fair value43% aboveest. fair value ~$20
Quality signals · context only
Gross profitability45% · A-gross profit ÷ total assets (Novy-Marx)
ROIC11.7% · Breturn on invested capital — not score-weighted
Why now
Software - Infrastructure · market cap $3.7b. Down 26% from 52-week high of $39.38 — deep drawdown territory. Revenue growing +37% — in hypergrowth territory. 7 sell-side analysts publish a mean 1-yr target of $34.29 (implying +18% upside).
Moat
ROE 13% meets the long-run market sustainable threshold — solid but not differentiated; the durability comes from elsewhere. FCF converts 192% 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 51.2x 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.
Horizon
1-3 yr $34.29 (7-analyst consensus) — fundamentals + valuation re-rating. 5 yr $50.20 at ~11% CAGR — compounding case rests on the competitive position widening. 10 yr $74.46 if current growth sustains into durable earnings power.
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.
Score history · PAY
Trend
-0.1 over 14 daily scores
From 75.3 (Jun 22) → 75.2 (now)
One point per daily model run. The range autoscales, so a flat-looking line can still hide 1–2 point moves — read the From → To values for the actual range.
Position sizing · PAY
$
%
%
Shares to buy
68
Position size
$1,984
4.0% of portfolio
Stop price
$21.88
25% below $29.18
$ at risk if stopped
$495.98
budget $500.00 · 1% of portfolio
Math only — share count is floor(portfolio × risk% ÷ (price × stop%)). Doesn't account for commissions, slippage, gap risk, or position-correlation across your book. Inputs persist locally; never sent to the server. Not investment advice.
Paymentus Holdings, Inc. (PAY): score, valuation & FAQ
Paymentus Holdings, Inc. (PAY) is a Software - Infrastructure company that scores 75.2 out of 100 on the Bull Rankings quality-growth model — a solid, above-average reading. The score blends three pillars — quality (durable returns, healthy margins, low leverage), growth (revenue and earnings), and value (valuation versus sector peers) — into one number, refreshed daily; it is a screen, not a buy recommendation.
Its strongest graded signals are Rev (A) and D/E (A). On valuation, PAY sits about 43% above our discounted-cash-flow fair value (i.e. the DCF flags it as rich).
Is PAY a good stock to buy?
Bull Rankings scores PAY 75.2 out of 100 on its quality-growth model, which is a solid, above-average reading. That is driven by Rev (A) and D/E (A). A score is a quantitative screen of Paymentus Holdings, Inc.'s fundamentals, not personalised financial advice — weigh it against your own time horizon and risk tolerance, and read the risk factors below before acting.
Why does PAY score 75.2 on Bull Rankings?
The quality-growth score blends three pillars — quality (returns on capital, margins, leverage, earnings quality), growth (revenue and earnings expansion), and value (valuation versus sector peers). PAY earns its highest marks on Rev (A) and D/E (A). Each pillar is graded against sector-aware thresholds, then combined into the single 0–100 score.
Is PAY overvalued or undervalued?
Based on $29.18, PAY sits about 43% above our discounted-cash-flow fair value (i.e. the DCF flags it as rich). It trades at a 51.2x× P/E (graded C+). Discounted-cash-flow estimates are sensitive to growth and discount-rate assumptions, so treat this as a cross-check, not a price target.
What are the main risks of investing in PAY?
Trailing P/E 51.2x 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.
Bull Rankings is an automated fundamentals screen for research and education. It is not investment advice, and nothing here is a recommendation to buy or sell any security. Do your own research and consider consulting a licensed financial adviser.