PAY | Ticker Profile - Titan Protect

PAY

Paymentus Holdings, Inc.

Technology · Software - Infrastructure · NYQ

$20.90

Data: 2026-05-28

✓ ETHICAL PASS

Unknown MOAT

HIGH

Data Confidence: 100.0%

Key Metrics

How this company measures up on the fundamentals that matter

Market Cap

$2.9B

Total market value of the company

Trailing P/E

40.86

Expensive — high growth expected

Forward P/E

22.89

Based on estimated future earnings — lower means cheaper

Rev Growth

+30.2%

Year-over-year revenue change

Profit Margin

5.8%

How much profit the company keeps from each dollar of revenue

ROE

13.7%

Return on equity — how efficiently it uses shareholder money

Analyst Target

$35.00

+67% from current price — median analyst estimate

Recommendation

BUY

Consensus view from 7 analysts covering this stock

About Paymentus Holdings, Inc.

Paymentus Holdings, Inc. provides cloud-based bill payment technology and solutions in the United States and internationally. 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, secure, and omni channel technology platform. Its platform's payment processing includes credit cards, debit cards, echecks, and digital wallets. The company serves utility, financial services, insurance, telecommunication, real estate management, education, consumer finance, healthcare, and business to business industries, as well as governments and small businesses. Paymentus Holdings, Inc. was founded in 2004 and is headquartered in Charlotte, North Carolina.

https://www.paymentus.com

Country: United States Employees: 1,340 Industry: Software - Infrastructure

Ethical Screening

Five compliance checks based on AAOIFI standards — all must pass for ethical clearance

Business Activity

PASS

Core business does not involve prohibited activities

Debt Ratio

0.0% N/A

Debt must be below 33% of total assets

Cash Ratio

0.0% N/A

Interest-bearing cash below 33% of assets

Receivables

0.0% N/A

Receivables below 49% of assets

Revenue Purity

0.0% PASS

Non-compliant revenue below 5% — any excess requires purification

Quantitative Intelligence

Statistical analysis of price behaviour, risk, and market regime — independent of fundamental data

Regime

DISTRIBUTION

Smart money appears to be selling into strength — caution

Sharpe Ratio

0.447

Positive but modest risk-adjusted returns

Kelly Fraction

0.0378

Modest edge detected — smaller position warranted

Calmar Ratio

0.250

Drawdown risk outweighs the returns — higher risk profile

Annual Return

10.5%

Historical annualised return based on price data

Max Drawdown

-42.0%

Largest peak-to-trough decline — the worst it has been

HMM State

BEAR

Statistical model detects bearish conditions

Days in State

120

How long the current regime has persisted — longer means more stable

Market Data

Trading characteristics and market positioning

Beta

1.40

Moves slightly more than the broader market

52W High

$40.02

48% below the year high

52W Low

$22.02

-5% above the year low

Avg Volume

546,103

Average daily shares traded — higher means easier to buy and sell

Short Ratio

3.7

Days it would take all short sellers to cover — higher means more crowded

Short % Float

4.7%

Low short interest — limited bearish positioning

Div Yield

N/A

Annual dividend as a percentage of the share price

EPS (TTM)

$0.57

Earnings per share over the last 12 months

Financial Health

Balance sheet strength and cash generation — the foundation of long-term value

Debt/Equity

1.14

Meaningful debt load — monitor closely

Current Ratio

4.41

Strong balance sheet — comfortably covers short-term obligations

Quick Ratio

4.27

Like current ratio but excludes inventory — stricter test

Gross Margin

24.7%

Revenue left after cost of goods — higher means pricing power

Operating Margin

7.4%

Profit from core operations before interest and tax

Free Cash Flow

$92M

Positive — the business generates more cash than it spends

Revenue (TTM)

$1.3B

Total revenue over the last 12 months

Net Income

$74M

Profitable — the bottom line is positive

Analyst Coverage

Analysts

Target High

$37.00

Target Median

$35.00

Target Low

$27.00

Political Trading Activity

Congressional trading disclosures involving this instrument

Date	Politician	Party	Type	Amount
2026-04-13	Ro Khanna	Democrat	Purchase	1K–15K

Source: Congressional disclosure filings. View all political trades at

Insider Intelligence

Explore the Ethical Screener View Track Record

Data sourced from public filings and market feeds. Not financial advice. Updated: 2026-05-28

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