PAYPaymentus Holdings, Inc.
Is the price fair?
Undemanding: modest expectations priced in and cheap against its own history.
Priced for ~3% a year FCF growth. The price demands less than its three-year revenue growth of 35% a year, expectations look modest.
Cheap vs its own history: P/E 48.3 vs a 73.1 median over 13 quarters (−34% vs median).
Sector median 30.5× across 203 covered peers. EV/EBIT counts debt as part of the price, so a cash-rich and a borrowed company can be compared on the same footing.
Against the whole market›
Percentile against every name Ryufin tracks. Higher is better; the tick marks the middle of the market. Context, not one of the checks above.
Where this answer is blind. The growth-implied estimate assumes a fixed discount rate; capital-heavy sectors look structurally rich on it.
What PAY's price assumes
Paymentus Holdings, Inc. trades at 48.3× earnings against 34.2× for the median Software - Infrastructure name, more expensive than its own group.
Trailing P/E · Software - Infrastructure median 34.2 · 1.41× the median: the market pays up for this one
- Price / sales
- 2.24
Price / sales · today's price, fiscal year to Dec 31, 2025
- Free cash flow yield
- 5.9%
Free cash flow yield · Software - Infrastructure median 5.3%
- Growth the price implies
- +3.4%
Growth the price implies · The price pays for +3.4% free cash flow growth a year for a decade; the business has delivered +54% a year over the last three.
Details›
- Price / booktoday's price, fiscal year to Dec 31, 2025
- 4.77
- EV / EBITtoday's price, fiscal year to Dec 31, 2025
- 31.2
- EV / salestoday's price, fiscal year to Dec 31, 2025
- 1.97
- Technology median P/E459 names
- 37.7
- Software - Infrastructure median P/E107 names
- 34.2
- Free cash flow, trailing twelve months
- $159M
- Market capitalisation
- $2.68B
- 3-year revenue growth
- +35%
- 3-year free cash flow growth
- +54%
| Method | Per share |
|---|---|
| Its own P/E history, lower quartile | $41.29 |
| Its own P/E history, median | $48.23 |
| Its own P/E history, upper quartile | $62.07 |
| 52-week range | $20.21 – $44.66 |
| Today | $31.86 |
Multiples from SEC filings and end-of-day closes; implied growth from a reverse discounted cash flow. Group medians across the names Ryufin tracks.
Software, Infrastructure
Ranks #25 of 80 by RyuScore