Valuation
26% of the score, 28% here after data gaps
48median 56
Paymentus Holdings, Inc. is valued at 25.9x its operating profit, including debt: a rich multiple.
60x
50x
35x
25x
18x
12x
8x
25.9x
Full points at 8x or less, none from 60xfull points
PAYPaymentus Holdings, Inc.
$29.93-16% 1Y
$29.93
$20.2152 weeks$44.66
RyuScore
Seven criteria, each scored 0 to 100 on a published scale, weighted into one number.
RyuScore 52 out of 100, Average
Average. Paymentus Holdings, Inc. scores higher than 42% of the 1,794 companies Ryufin scores.
Carried by return on new capital and earnings quality, held back by cycle position and capital allocation.
Technology median 48 · all companies 57
Return on capital
18% of the score, 20% here after data gaps
55median 34
Over 5 years the business earned 9.9% a year after tax on the capital it uses.
2%
8%
15%
25%
9.9%
None at 2% or less, full points from 25%full points
5 years agolatest 22%
Return on new capital
16% of the score, 17% here after data gaps
100median 49
For every dollar of operating profit earned over 6 years, yearly profit grew by 31 cents. New capital earned 28%, and 110% of profit went back into the business.
-5%
12%
31%
None at minus 5 cents, full points from 12 centsfull points
Capital allocation
14% of the score, 15% here after data gaps
19median 64
How management spends the money: shares bought back or issued, and whether assets grow faster than the business they serve.
Share countUp 4% a year over 5 years: new shares
135%
-3%
4%
0 pointsfull points
Assets against salesAssets grew 40% a year, sales 32%
2812%
-2%
8.1%
0 pointsfull points
Cycle position
12% of the score, 13% here after data gaps
4median 62
Today's operating margin of 7.6% is 1.91x its normal 4%: near a peak, where margins tend to fall back. Normal is half the 7 year median, half the last four years, so a margin that has held is not taken for a peak.
2x
1.5x
1x
0.7x
1.9x
A trough earns points, a peak costs themfull points
7 years agonow 7.6%
Balance sheet
Taken out: its 8% is shared by the others
n/ano data
No debt or interest figures on file.
Earnings quality
6% of the score, 7% here after data gaps
100median 90
Whether the reported profit arrives as cash, and whether the accounts show the usual signs of stretching.
Cash against profitOperating cash flow was 2.21x profit over 3 years
1000.7x
1x
1.3x
2.2x
0 pointsfull points
AccrualsCash ran ahead of profit by 15.3% of assets
1008%
0%
-8%
-15%
0 pointsfull points
Beneish M-scoreTaken out: sales grew 37% in a year, and the model flags that much growth on its own
n/aHow the RyuScore works
Each criterion earns 0 to 100 points on the scale drawn under it, and the RyuScore is their average weighted 26, 18, 16, 14, 12, 8 and 6. Scales bend in the company's favour between their ends, so an ordinary figure is never already near zero. For PAY, balance sheet could not be measured from the filings, so it is taken out and the remaining weights scale up.
Built from the company's annual and quarterly filings with the SEC and today's share price. Banks, insurers and property trusts are not scored: their debt is their raw material, so these yardsticks mean something else there. Figures as of 2026-06-30, latest annual report FY2025.
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Ranks #19 of 59 by RyuScore