Is it safe?
Can PAYC take a bad year?
Paycom Software, Inc. carries $521M of net debt at 0.70× EBITDA: a load its earnings can carry.
$521M
Net debt · as at Q1 2026 · under two and a half years of EBITDA, comfortable
- Net debt / EBITDA
- 0.70×
Net debt / EBITDA
- Altman Z-score
- 1.60
Altman Z-score · distress zone, below 1.8
- Interest cover
- 89.7×
Interest cover · operating profit covers the interest bill several times over
Details›
- Total debtQ1 2026
- $675M
- Cash and short-term investments
- $154M
- Net debt
- $521M
- EBITDA, trailing twelve months
- $739M
- Operating profit, trailing twelve months
- $592M
- Debt / equity
- 0.83×
- Total debt / EBITDA
- 0.91×
- Annualised volatilitytwo years of daily moves
- 43%
- Worst drawdown on file
- −79%
- Below its 52-week high
- 0.00%
Balance sheet from SEC filings; drawdown and volatility from end-of-day closes; Altman Z from the filed statements.
Software - Application
Ranks #27 of 90 by Smart Score