Paymentus Holdings, Inc. Logo

Paymentus Holdings, Inc.

PAY

(1.5)
Stock Price

34,20 USD

10.49% ROA

9.04% ROE

80.77x PER

Market Cap.

2.618.990.399,00 USD

2.1% DER

0% Yield

5.19% NPM

Paymentus Holdings, Inc. Stock Analysis

Paymentus Holdings, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Paymentus Holdings, Inc. Fundamental Stock Analysis
# Analysis Rating
1 DER

The stock has a low debt to equity ratio (3%), which means it has a small amount of debt compared to the ownership it holds

2 Revenue Growth

With continuous growth in revenue over the last five years, this company has proven to be a lucrative investment option, showcasing its strong financial performance.

3 ROE

ROE in an average range (1.69%) suggests satisfactory profitability and decent utilization of shareholders' equity.

4 ROA

The stock's ROA (2.61%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

5 PBV

The stock's high Price-to-Book Value (P/BV) ratio (5.03x) suggests it's overvalued, potentially making it an expensive investment.

6 Net Profit Growth

The net profit of this company has shown no signs of growth over the last five years, suggesting limited profitability and making it a less attractive investment opportunity.

7 Assets Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

8 Graham Number

The Graham number analysis indicates that this company's stock price is likely overpriced, raising concerns about its investment potential.

9 Dividend Growth

Potential investors should be aware that the company's dividend growth has shown no upward trend in the past three years, indicating limited potential for increased returns.

10 Dividend

The company's lack of dividends in the past three years may concern investors seeking regular income.

11 Buffet Intrinsic Value

The company's stock shows signs of being overvalued (-15.020) according to Warren Buffett's formula, indicating a potential downside as its market price exceeds its estimated intrinsic value.

Paymentus Holdings, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Paymentus Holdings, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Paymentus Holdings, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Paymentus Holdings, Inc. Revenue
Year Revenue Growth
2001 349.187.000
2002 295.593.000 -18.13%
2003 339.331.000 12.89%
2004 390.088.000 13.01%
2005 485.367.000 19.63%
2006 581.070.000 16.47%
2007 902.892.000 35.64%
2008 921.931.000 2.07%
2009 844.714.000 -9.14%
2010 1.001.537.000 15.66%
2011 1.303.866.000 23.19%
2012 1.865.971.000 30.12%
2013 1.702.200.000 -9.62%
2014 1.868.900.000 8.92%
2015 2.000.500.000 6.58%
2016 1.992.100.000 -0.42%
2017 1.871.000.000 -6.47%
2019 235.778.000 -693.54%
2020 301.767.000 21.87%
2021 395.524.000 23.7%
2022 497.001.000 20.42%
2023 609.692.000 18.48%
2023 614.490.000 0.78%
2024 789.688.000 22.19%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Paymentus Holdings, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
2001 47.352.000
2002 30.359.000 -55.97%
2003 28.193.000 -7.68%
2004 33.703.000 16.35%
2005 41.830.000 19.43%
2006 47.353.000 11.66%
2007 65.430.000 27.63%
2008 75.622.000 13.48%
2009 65.148.000 -16.08%
2010 74.227.000 12.23%
2011 109.155.000 32%
2012 152.001.000 28.19%
2013 173.300.000 12.29%
2014 203.700.000 14.92%
2015 201.600.000 -1.04%
2016 207.500.000 2.84%
2017 211.600.000 1.94%
2019 17.864.000 -1084.51%
2020 24.510.000 27.12%
2021 34.122.000 28.17%
2022 41.220.000 17.22%
2023 44.140.000 6.62%
2023 44.248.000 0.24%
2024 35.040.000 -26.28%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Paymentus Holdings, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
2001 30.578.000
2002 36.435.000 16.08%
2003 0 0%
2004 0 0%
2005 81.840.000 100%
2006 101.180.000 19.11%
2007 176.999.000 42.84%
2008 218.082.000 18.84%
2009 76.468.000 -185.19%
2010 84.371.000 9.37%
2011 138.611.000 39.13%
2012 175.174.000 20.87%
2013 181.100.000 3.27%
2014 208.700.000 13.22%
2015 206.200.000 -1.21%
2016 204.600.000 -0.78%
2017 189.700.000 -7.85%
2019 10.210.000 -1757.98%
2020 17.847.000 42.79%
2021 32.968.000 45.87%
2022 38.139.000 13.56%
2023 36.332.000 -4.97%
2023 36.005.000 -0.91%
2024 36.856.000 2.31%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Paymentus Holdings, Inc. EBITDA
Year EBITDA Growth
2001 -63.760.000
2002 -53.502.000 -19.17%
2003 51.792.000 203.3%
2004 47.213.000 -9.7%
2005 79.540.000 40.64%
2006 121.692.000 34.64%
2007 98.066.000 -24.09%
2008 -249.695.000 139.27%
2009 -54.606.000 -357.27%
2010 153.191.000 135.65%
2011 168.260.000 8.96%
2012 307.745.000 45.32%
2013 144.000.000 -113.71%
2014 214.500.000 32.87%
2015 272.500.000 21.28%
2016 216.000.000 -26.16%
2017 32.500.000 -564.62%
2019 24.370.000 -33.36%
2020 26.613.000 8.43%
2021 23.668.000 -12.44%
2022 21.082.000 -12.27%
2023 52.400.000 59.77%
2023 48.693.000 -7.61%
2024 76.820.000 36.61%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Paymentus Holdings, Inc. Gross Profit
Year Gross Profit Growth
2001 90.296.000
2002 84.893.000 -6.36%
2003 139.040.000 38.94%
2004 158.195.000 12.11%
2005 196.825.000 19.63%
2006 261.545.000 24.75%
2007 299.232.000 12.59%
2008 293.031.000 -2.12%
2009 282.129.000 -3.86%
2010 370.312.000 23.81%
2011 491.750.000 24.7%
2012 755.841.000 34.94%
2013 645.200.000 -17.15%
2014 724.700.000 10.97%
2015 826.000.000 12.26%
2016 794.300.000 -3.99%
2017 713.100.000 -11.39%
2019 74.434.000 -858.03%
2020 92.627.000 19.64%
2021 121.380.000 23.69%
2022 149.678.000 18.91%
2023 187.640.000 20.23%
2023 173.962.000 -7.86%
2024 219.904.000 20.89%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Paymentus Holdings, Inc. Net Profit
Year Net Profit Growth
2001 -63.760.000
2002 -53.502.000 -19.17%
2003 241.000 22300%
2004 5.606.000 95.7%
2005 33.239.000 83.13%
2006 59.511.000 44.15%
2007 -34.016.000 274.95%
2008 -425.322.000 92%
2009 -137.836.000 -208.57%
2010 98.827.000 239.47%
2011 282.404.000 65.01%
2012 65.033.000 -334.25%
2013 -296.100.000 121.96%
2014 -38.100.000 -677.17%
2015 79.100.000 148.17%
2016 -9.300.000 950.54%
2017 -173.900.000 94.65%
2019 13.697.000 1369.62%
2020 13.711.000 0.1%
2021 7.042.000 -94.7%
2022 -513.000 1472.71%
2023 25.508.000 102.01%
2023 22.322.000 -14.27%
2024 37.456.000 40.4%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Paymentus Holdings, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2001 -7
2002 -1 -500%
2003 0 0%
2004 0 0%
2005 1 0%
2006 1 0%
2007 0 0%
2008 -5 100%
2009 -2 -400%
2010 1 200%
2011 3 66.67%
2012 1 0%
2013 -3 100%
2014 0 0%
2015 1 0%
2016 0 0%
2017 -2 100%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Paymentus Holdings, Inc. Free Cashflow
Year Free Cashflow Growth
2003 7.576.000
2004 30.787.000 75.39%
2005 37.479.000 17.86%
2006 11.082.000 -238.2%
2007 58.545.000 81.07%
2008 -30.679.000 290.83%
2009 190.555.000 116.1%
2010 144.448.000 -31.92%
2011 159.762.000 9.59%
2012 154.782.000 -3.22%
2013 159.000.000 2.65%
2014 114.100.000 -39.35%
2015 142.900.000 20.15%
2016 88.400.000 -61.65%
2017 98.600.000 10.34%
2019 4.984.000 -1878.33%
2020 20.773.000 76.01%
2021 -916.000 2367.79%
2022 -11.433.000 91.99%
2023 34.529.000 133.11%
2023 4.257.000 -711.11%
2024 8.756.000 51.38%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Paymentus Holdings, Inc. Operating Cashflow
Year Operating Cashflow Growth
2003 9.772.000
2004 33.217.000 70.58%
2005 40.600.000 18.18%
2006 16.747.000 -142.43%
2007 89.270.000 81.24%
2008 -8.628.000 1134.65%
2009 202.609.000 104.26%
2010 156.026.000 -29.86%
2011 174.573.000 10.62%
2012 217.963.000 19.91%
2013 236.500.000 7.84%
2014 199.100.000 -18.78%
2015 249.300.000 20.14%
2016 193.700.000 -28.7%
2017 165.900.000 -16.76%
2019 17.511.000 -847.4%
2020 35.620.000 50.84%
2021 19.603.000 -81.71%
2022 19.867.000 1.33%
2023 68.828.000 71.14%
2023 13.143.000 -423.69%
2024 18.030.000 27.1%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Paymentus Holdings, Inc. Capital Expenditure
Year Capital Expenditure Growth
2003 2.196.000
2004 2.430.000 9.63%
2005 3.121.000 22.14%
2006 5.665.000 44.91%
2007 30.725.000 81.56%
2008 22.051.000 -39.34%
2009 12.054.000 -82.94%
2010 11.578.000 -4.11%
2011 14.811.000 21.83%
2012 63.181.000 76.56%
2013 77.500.000 18.48%
2014 85.000.000 8.82%
2015 106.400.000 20.11%
2016 105.300.000 -1.04%
2017 67.300.000 -56.46%
2019 12.527.000 -437.24%
2020 14.847.000 15.63%
2021 20.519.000 27.64%
2022 31.300.000 34.44%
2023 34.299.000 8.74%
2023 8.886.000 -285.99%
2024 9.274.000 4.18%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Paymentus Holdings, Inc. Equity
Year Equity Growth
2001 -15.921.000
2002 -32.659.000 51.25%
2003 -39.141.000 16.56%
2004 -135.387.000 71.09%
2005 26.538.000 610.16%
2006 98.741.000 73.12%
2007 580.922.000 83%
2008 142.154.000 -308.66%
2009 32.049.000 -343.55%
2010 206.024.000 84.44%
2011 1.194.193.000 82.75%
2012 1.307.795.000 8.69%
2013 1.114.600.000 -17.33%
2014 1.033.800.000 -7.82%
2015 899.600.000 -14.92%
2016 813.700.000 -10.56%
2017 754.500.000 -7.85%
2019 68.604.000 -999.79%
2020 84.376.000 18.69%
2021 386.132.000 78.15%
2022 397.179.000 2.78%
2023 429.616.000 7.55%
2023 417.448.000 -2.91%
2024 451.627.000 7.57%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Paymentus Holdings, Inc. Assets
Year Assets Growth
2001 127.577.000
2002 248.852.000 48.73%
2003 236.967.000 -5.02%
2004 245.619.000 3.52%
2005 329.371.000 25.43%
2006 452.945.000 27.28%
2007 1.547.309.000 70.73%
2008 1.079.752.000 -43.3%
2009 918.910.000 -17.5%
2010 1.075.326.000 14.55%
2011 2.313.561.000 53.52%
2012 3.490.607.000 33.72%
2013 2.993.700.000 -16.6%
2014 2.702.200.000 -10.79%
2015 2.473.100.000 -9.26%
2016 2.494.800.000 0.87%
2017 2.322.200.000 -7.43%
2019 80.459.000 -2786.19%
2020 124.874.000 35.57%
2021 472.942.000 73.6%
2022 461.539.000 -2.47%
2023 504.863.000 8.58%
2023 489.341.000 -3.17%
2024 527.739.000 7.28%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Paymentus Holdings, Inc. Liabilities
Year Liabilities Growth
2001 143.498.000
2002 281.511.000 49.03%
2003 276.108.000 -1.96%
2004 381.006.000 27.53%
2005 302.833.000 -25.81%
2006 354.204.000 14.5%
2007 963.900.000 63.25%
2008 935.540.000 -3.03%
2009 884.460.000 -5.78%
2010 867.864.000 -1.91%
2011 1.118.068.000 22.38%
2012 2.145.130.000 47.88%
2013 1.842.100.000 -16.45%
2014 1.631.500.000 -12.91%
2015 1.538.600.000 -6.04%
2016 1.641.400.000 6.26%
2017 1.539.800.000 -6.6%
2019 11.855.000 -12888.61%
2020 40.498.000 70.73%
2021 86.810.000 53.35%
2022 64.360.000 -34.88%
2023 75.247.000 14.47%
2023 71.893.000 -4.67%
2024 76.112.000 5.54%

Paymentus Holdings, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
5.63
Net Income per Share
0.26
Price to Earning Ratio
80.77x
Price To Sales Ratio
3.74x
POCF Ratio
39.28
PFCF Ratio
85.68
Price to Book Ratio
5.79
EV to Sales
3.48
EV Over EBITDA
36.56
EV to Operating CashFlow
36.59
EV to FreeCashFlow
79.68
Earnings Yield
0.01
FreeCashFlow Yield
0.01
Market Cap
2,62 Bil.
Enterprise Value
2,44 Bil.
Graham Number
4.62
Graham NetNet
1.49

Income Statement Metrics

Net Income per Share
0.26
Income Quality
2.06
ROE
0.07
Return On Assets
0.07
Return On Capital Employed
0.08
Net Income per EBT
0.83
EBT Per Ebit
1.23
Ebit per Revenue
0.05
Effective Tax Rate
0.17

Margins

Sales, General, & Administrative to Revenue
0.05
Research & Developement to Revenue
0.06
Stock Based Compensation to Revenue
0.02
Gross Profit Margin
0.28
Operating Profit Margin
0.05
Pretax Profit Margin
0.06
Net Profit Margin
0.05

Dividends

Dividend Yield
0
Dividend Yield %
0
Payout Ratio
0
Dividend Per Share
0

Operating Metrics

Operating Cashflow per Share
0.54
Free CashFlow per Share
0.25
Capex to Operating CashFlow
0.54
Capex to Revenue
0.05
Capex to Depreciation
1.07
Return on Invested Capital
0.06
Return on Tangible Assets
0.1
Days Sales Outstanding
47.68
Days Payables Outstanding
31.55
Days of Inventory on Hand
0
Receivables Turnover
7.65
Payables Turnover
11.57
Inventory Turnover
0
Capex per Share
0.29

Balance Sheet

Cash per Share
1,55
Book Value per Share
3,63
Tangible Book Value per Share
1.87
Shareholders Equity per Share
3.63
Interest Debt per Share
0.08
Debt to Equity
0.02
Debt to Assets
0.02
Net Debt to EBITDA
-2.75
Current Ratio
4.51
Tangible Asset Value
0,23 Bil.
Net Current Asset Value
0,22 Bil.
Invested Capital
456083000
Working Capital
0,23 Bil.
Intangibles to Total Assets
0.42
Average Receivables
0,09 Bil.
Average Payables
0,04 Bil.
Average Inventory
0.5
Debt to Market Cap
0

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Paymentus Holdings, Inc. Dividends
Year Dividends Growth

Paymentus Holdings, Inc. Profile

About Paymentus Holdings, Inc.

Paymentus Holdings, Inc. provides cloud-based bill payment technology and solutions. The company offers electronic bill presentment and payment services, enterprise customer communication, and self-service revenue management to billers through a software-as-a-service technology platform. The company serves utility, financial service, insurance, government, telecommunication, and healthcare industries. The company was founded in 2004 and is based in Redmond, Washington.

CEO
Mr. Dushyant Sharma
Employee
1.273
Address
18390 NE 68th Street
Redmond, 98052

Paymentus Holdings, Inc. Executives & BODs

Paymentus Holdings, Inc. Executives & BODs
# Name Age
1 Mr. Andrew A. Gerber Esq.
General Counsel & Secretary
70
2 Mr. Sanjay Kalra CPA
Senior Vice President, Chief Financial Officer & Principal Accounting Officer
70
3 Mr. Dushyant Sharma
Chairman, President & Chief Executive Officer
70
4 Mr. Gerasimos Portocalis
Chief Commercial Officer
70

Paymentus Holdings, Inc. Competitors