-0.37%
-8.69%
27.28%
66.63%
103.70%
14.76%
11.71%
AI Spotlight on PAY
Company Description
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.
Market Data
| Last Price | 31.96 |
| Change Percentage | -0.37% |
| Open | 32.14 |
| Previous Close | 32.08 |
| Market Cap ( Millions) | 3984 |
| Volume | 319686 |
| Year High | 38.94 |
| Year Low | 14.77 |
| M A 50 | 33.67 |
| M A 200 | 24.36 |
Financial Ratios
| FCF Yield | 0.83% |
| Dividend Yield | 0.00% |
| ROE | 9.04% |
| Debt / Equity | 1.97% |
| Net Debt / EBIDTA | -271.80% |
| Price To Book | 8.49 |
| Price Earnings Ratio | 98.47 |
| Price To FCF | 120.81 |
| Price To sales | 5.12 |
| EV / EBITDA | 58.01 |
News
- Dec -14 - KBW Announces Index Rebalancing for Fourth-Quarter 2024
- Dec -09 - 3 Reasons Growth Investors Will Love Paymentus (PAY)
- Dec -03 - Buy 5 Financial Technology Stocks in December and Hold for Long Term
- Nov -22 - Here is Why Growth Investors Should Buy Paymentus (PAY) Now
- Nov -15 - Paymentus Holdings, Inc. (PAY) Q3 2024 Earnings Call Transcript
- Nov -13 - Overlooked Stock: PAY
- Nov -06 - ASHFORD HOSPITALITY TRUST ANNOUNCES AMENDMENT TO STRATEGIC FINANCING IN ANTICIPATION OF PAY OFF
- Oct -29 - Will Paymentus (PAY) Beat Estimates Again in Its Next Earnings Report?
- Oct -17 - Paymentus (PAY) Soars 8.3%: Is Further Upside Left in the Stock?
- Oct -16 - Paymentus to Report Third Quarter 2024 Earnings Results and Host Webcast on November 12, 2024
- Oct -02 - Paymentus Holdings (PAY) Sees Stock Price Drop by 5%
- Oct -02 - Paymentus Holdings Inc (PAY) Trading Down 3.75% on Oct 2
- Sep -26 - Paymentus to Bring Advanced Billing and Payments Capabilities to Altera Digital Health Solutions
- Sep -12 - Is Paymentus (PAY) Stock Outpacing Its Business Services Peers This Year?
- Aug -27 - Is Paymentus (PAY) Outperforming Other Business Services Stocks This Year?
- Aug -09 - 7 Under-$20 Stock Picks That Need to Be on Your Radar
- Aug -09 - Paymentus (PAY) Beats Q2 Earnings and Revenue Estimates
- Jun -25 - Paymentus: Long Growth Runway Ahead
- May -21 - 4 Under $20 Stocks to Bet on as Inflation Subsides
- May -13 - Paymentus to Participate in Upcoming May and June Investor Conferences
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Payment Transaction Processing
Expected Growth : 15 %
What the company do ?
Paymentus Holdings, Inc.'s Payment Transaction Processing enables secure, efficient, and cost-effective payment processing for businesses, facilitating seamless transactions and revenue growth.
Why we expect these perspectives ?
Paymentus Holdings, Inc.'s 15% growth in Payment Transaction Processing is driven by increasing adoption of digital payments, rising e-commerce transactions, and growing demand for contactless payment methods. Additionally, the company's expansion into new markets, strategic partnerships, and investments in technology infrastructure have contributed to its growth.
Segment n°2 -> Other
Expected Growth : 5 %
What the company do ?
Other from Paymentus Holdings, Inc. refers to miscellaneous revenue streams, including interest income and other non-operating income.
Why we expect these perspectives ?
Paymentus Holdings, Inc.'s 5% growth is driven by increasing adoption of electronic payment solutions, expansion into new markets, and strategic partnerships. Additionally, the company's focus on innovation, customer experience, and operational efficiency has contributed to its growth. Furthermore, the shift towards digital payments and the need for secure and convenient payment processing have also fueled the company's growth.
Paymentus Holdings, Inc. Products
| Product Range | What is it ? |
|---|---|
| Paymentus Bill Pay | A comprehensive bill payment platform that enables consumers to pay bills online, by phone, or through mobile devices. |
| Paymentus Presentment | A digital billing and payment platform that enables businesses to send electronic bills and invoices to customers. |
| Paymentus Engagement | A customer engagement platform that enables businesses to communicate with customers through personalized messages and notifications. |
| Paymentus Analytics | A data analytics platform that provides insights into customer behavior, payment trends, and business performance. |
Paymentus Holdings, Inc.'s Porter Forces
Threat Of Substitutes
Paymentus Holdings, Inc. operates in a highly competitive industry, and customers have various alternatives to choose from. However, the company's strong brand recognition and customer loyalty programs help to mitigate the threat of substitutes.
Bargaining Power Of Customers
Paymentus Holdings, Inc. has a large customer base, which reduces the bargaining power of individual customers. Additionally, the company's diversified product offerings and strong relationships with customers further reduce the bargaining power of customers.
Bargaining Power Of Suppliers
Paymentus Holdings, Inc. relies on a few key suppliers for its operations, which gives them some bargaining power. However, the company's strong relationships with suppliers and its ability to negotiate contracts help to mitigate this risk.
Threat Of New Entrants
The payment processing industry is highly competitive, and new entrants can easily disrupt the market. Paymentus Holdings, Inc. needs to continuously innovate and improve its services to stay ahead of new entrants.
Intensity Of Rivalry
The payment processing industry is highly competitive, with many established players and new entrants vying for market share. Paymentus Holdings, Inc. needs to focus on differentiating its services and improving its operational efficiency to stay competitive.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 2.39% |
| Debt Cost | 3.95% |
| Equity Weight | 97.61% |
| Equity Cost | 11.59% |
| WACC | 11.41% |
| Leverage | 2.45% |
Paymentus Holdings, Inc. : Quality Control
Paymentus Holdings, Inc. passed 4 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| EPAM | EPAM Systems, Inc. provides digital platform engineering and software development services worldwide. The company offers engineering services, including requirements analysis and platform selection, customization, cross-platform migration, implementation, and integration; infrastructure … |
| NABL | N-able, Inc. provides cloud-based software solutions for managed service providers (MSPs) in the United States, the United Kingdom, and internationally. The company's solutions enable MSPs to support digital transformation and … |
| CNXC | Concentrix Corporation provides technology-infused customer experience (CX) solutions worldwide. The company provides CX process optimization, technology innovation, front- and back-office automation, analytics, and business transformation services. It also offers customer … |
| DXC | DXC Technology Company, together with its subsidiaries, provides information technology services and solutions primarily in North America, Europe, Asia, and Australia. It operates in two segments, Global Business Services (GBS) … |
| KD | Kyndryl Holdings, Inc. operates as a technology services company and IT infrastructure services provider worldwide. The company offers cloud services; core enterprise and cloud services; application, data, and artificial intelligence … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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Concentrix
A-Score
1-Year Total Return ->
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N-able
A-Score
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Paymentus
A-Score
1-Year Total Return ->
4
Kyndryl
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5
EPAM Systems
A-Score
1-Year Total Return ->
6
