2026-10-25
Paycom Software, clears the business-activity screen and the figures we can measure look clean, but one or more financial figures are still pending, so the verdict is not final yet.
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latest tape · as of 20:03 UTC
The Screen · Technology · Software - Application
Paycom Software, Inc.
PAYC · the NYSE · USD · Market cap $12.1B · 5,770 employees
Paycom Software, Inc.
Not yet scored250.02 USD
Price as of 5 Nov 2026Daily close, not a live quote
Screened 2026-11-05 · the tape above runs as of 20:03 UTC · two dates, stated on purpose · verdict and workings shown in full · never trimmed
Key facts today
- Price250.02 USD at the 5 Nov 2026 close
- Our value readUndervalued vs our fair value, as of 5 Nov 2026
- Our regime readAccumulation, as of 5 Nov 2026
- Ethical screenNot yet scored
- OptionsOpen interest leans heavily to calls (put/call 0.24)
- Last reviewed5 Nov 2026 (1 days ago)
- Release timesRelease and earnings times on your chart: Event Guard Mentor
A summary of the dated readings below, not a live quote and not advice.
PRICE · ONE YEAR
Our fair-value range: $272.12 to $453.53, base estimate $310.00 (screen dated 2026-11-05).
- Trend Accumulation
- Insiders no filings inside 60 days, left as found
- Positioning no disclosures inside 60 days, left as found
- Options put/call open interest 0.24, read 2026-11-05
- Ethical screen not yet scored
Price250.02 USD
Fair value310.00
Ethical score70.0/100
Value readUndervaluedas of 5 Nov 2026
Our investment reviews on this name
2026-10-11Read Accumulation227.47+9.9% to today ✓Markdown gives way to Accumulation
2026-10-02Read Markdown227.47+9.9% to today Accumulation gives way to Markdown
2026-09-09Read Accumulation231.70+7.9% to today ✓Markup gives way to Accumulation after a 72% rise in 10 weeks
2026-07-02Read Markup134.52+85.9% to today ✓First review on file: Markup
Our analytic regime reads on this name, dated and marked against the screened price. Small sample per name, and separate from the daily-framework accuracy on the Track Record page.
The full research record, in depth, below
This name holds its accumulation label.
Paycom Software, Inc. holds its Accumulation at $250.02. Consolidating, no directional conviction, held for 40 days.
| Phase | Accumulation |
| Quantitative state | Consolidating, no directional conviction, held for 40 days |
| Price at the screen | $250.02 |
| Valuation | 28.71 trailing · 19.22 forward price to earnings |
| Values screen | Not scored · score 70.0 |
| Beta | 0.73 |
Five Screens, Shown in Full
This security has not been fully scored against the values screen yet.
| Test | Figure | Limit | What it means | Status |
|---|---|---|---|---|
| Business activity | Permissible | Core business clean | Its core business isn't built on prohibited lines: no gambling, alcohol, tobacco, weapons, or interest-based lending. | Pass |
| Debt load | 1.19% | Below 33% | Interest-bearing debt is just 1.2% of its assets, well under the one-third ceiling: it does not run on borrowed money. | Pass |
| Interest-bearing cash | 0.00% | Below 33% | Cash held in interest-bearing accounts and securities is 0.0% of assets, under the one-third limit. | Pass |
| Receivables | 5.46% | Below 49% | Money owed to the company is 5.5% of assets, under the 49% limit. | Pass |
Five checks adapted from AAOIFI screening standards: business activity plus four balance-sheet ratios. All five must pass for ethical clearance. Every figure is arithmetic on public accounts, not judgement.
The Ethical ReadThe Read, in Plain English
Paycom Software, clears the business-activity screen and the figures we can measure look clean, but one or more financial figures are still pending, so the verdict is not final yet.
Read as at 2026-11-05. It updates when the underlying figures move, and past reads are kept below.
2026-09-24
Clears
Paycom Software, clears all five screens. Its business is in a permissible area, its debt is near-nil, and almost none of its income is interest, so it passes.
Earlier reads, kept as written. The ethical profile is tracked over time, not overwritten.
What the Numbers Say It Is WorthThe Fair Value Range
Our analysis reads Undervalued vs our fair value, as of 5 Nov 2026: it trades at roughly a 13% discount to our $310.00 fair value, 9.80% revenue growth.
How a fair value is estimated: discounted cash flow (DCF).
Fair value range in USD, drawn from the 2026-11-05 screen. The gold marker is the market price at the same screen. A 19.3% discount to the base estimate.
Third-party analyst targets: 17 covering, consensus Hold. The average target sits +6% from the screen price.
Reading the gap · Both our model and the analysts see meaningful upside from here.
Price History & ProjectionsWhere our models see it going: fair-value estimate $310.00, with a range of $272.12 to $453.53, dated to the 2026-11-05 screen.
Fair value and rating are our own model estimates; the Street's range reflects third-party analyst estimates. Analysis, not advice.
The Business, in Plain WordsEvery Paycheck Runs Through One Quiet System
Picture a midsize US firm handling hiring, payroll and benefits for hundreds of staff each month. Paycom supplies the cloud software that keeps those processes in one place, cutting the usual tangle of spreadsheets and outside vendors. Revenue is rising 8 percent, profit margins sit at 22 percent and return on equity reaches 37 percent, all at a forward multiple of 12 times.
Those figures look sturdy on paper and the ethical screen clears without issue. Yet the opportunity rating stays at none, the share price sits above the analyst median target and growth remains modest for a company whose moat is still unproven.
Competition from larger HCM platforms could cap expansion while currency and macro swings stay irrelevant here. The numbers do not scream for action either way. Analysis, not advice.
| Forward P/E | 19.2xpriced for continued growth |
| Trailing P/E | 28.7xa premium valuation |
| EPS, trailing | 9.34 |
| EPS, forward | 13.95 |
| Revenue growth | +9.8%steady growth |
| Profit margin | 22.8%healthy profit margins |
| Return on equity | 41.1%an exceptional return on shareholder capital |
| FCF yield | 3.51% |
| Dividend yield | 112.00% |
| Debt to equity | 1.72a meaningful debt load worth watching |
| Current ratio | 1.07adequate liquidity, worth monitoring |
| Beta | 0.73steadier than the market |
| Short interest, float | 0.06% |
| 52-week range | 104.90 - 275.22 |
| Market cap | $12.1B |
| Employees | 5,770 |
Another profit measure, before interest, tax and non-cash costs: EBITDA.
The risks · The things to watch: it carries a real debt load, which raises the stakes if revenue slips.
Plain-English interpretation of our own screen data. Analysis, not advice.
Where & How to TradePAYC trades on the NYSE. As a listed security it is accessible through almost any international broker offering its home market. New to this, or investing from abroad? Our guide to accessing global markets covers brokers, currencies and the practical steps.
Every Entry, As Written
2026-11-04
Accumulation $262.99
-0.5% Entry 17
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.5% since our last review. Ethical screening: not fully scored yet. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 71% above its long-term trend line with momentum reading overbought. Over the past year the shares are down 45%. Our forward projection puts the odds of a 10% gain over the next month near 20%. The street (16 analysts) rates it buy, with a mean price target of $151. It reported earnings in this window, a natural checkpoint for the thesis.
2026-11-03
Accumulation $264.20
+0.0% Entry 16
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: not fully scored yet. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 71% above its long-term trend line with momentum reading overbought. Over the past year the shares are down 45%. Our forward projection puts the odds of a 10% gain over the next month near 20%. The street (16 analysts) rates it buy, with a mean price target of $151. It reported earnings in this window, a natural checkpoint for the thesis.
2026-11-02
Accumulation $264.20
+0.0% Entry 15
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: not fully scored yet. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 71% above its long-term trend line with momentum reading overbought. Over the past year the shares are down 45%. Our forward projection puts the odds of a 10% gain over the next month near 20%. The street (16 analysts) rates it buy, with a mean price target of $151. It reported earnings in this window, a natural checkpoint for the thesis.
2026-11-01
Accumulation $264.20
-3.8% Entry 14
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 3.8% since our last review. Ethical screening: not fully scored yet. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 71% above its long-term trend line with momentum reading overbought. Over the past year the shares are down 45%. Our forward projection puts the odds of a 10% gain over the next month near 20%. The street (16 analysts) rates it buy, with a mean price target of $151. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-31
Accumulation $274.59
+0.0% Entry 13
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: not fully scored yet. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 71% above its long-term trend line with momentum reading overbought. Over the past year the shares are down 45%. Our forward projection puts the odds of a 10% gain over the next month near 20%. The street (16 analysts) rates it buy, with a mean price target of $151. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-30
Accumulation $274.59
+0.0% Entry 12
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: not fully scored yet. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 71% above its long-term trend line with momentum reading overbought. Over the past year the shares are down 45%. Our forward projection puts the odds of a 10% gain over the next month near 20%. The street (16 analysts) rates it buy, with a mean price target of $151. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-29
Accumulation $274.59
+4.7% Entry 11
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved up 4.7% since our last review. Ethical screening: not fully scored yet. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 71% above its long-term trend line with momentum reading overbought. Over the past year the shares are down 45%. Our forward projection puts the odds of a 10% gain over the next month near 20%. The street (16 analysts) rates it buy, with a mean price target of $151. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-28
Accumulation $262.32
+0.0% Entry 10
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: not fully scored yet. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 71% above its long-term trend line with momentum reading overbought. Over the past year the shares are down 45%. Our forward projection puts the odds of a 10% gain over the next month near 20%. The street (16 analysts) rates it buy, with a mean price target of $151. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-25
Accumulation $262.32
+3.7% Entry 9
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved up 3.7% since our last review. Ethical screening: not fully scored yet. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 59% above its long-term trend line with momentum reading overbought. Over the past year the shares are down 45%. Our forward projection puts the odds of a 10% gain over the next month near 20%. The street (16 analysts) rates it buy, with a mean price target of $151.
2026-10-18
Accumulation $252.87
+11.2% Entry 8
The analysis reads accumulation. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved up 11.2% since our last review. Ethical screening: PASS with passing ethical screen. The risk-adjusted return profile shows modest positive risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is sitting below its long-term trend line with momentum reading neutral. Over the past year the shares are down 45%. Our forward projection puts the odds of a 10% gain over the next month near 20%. The street (16 analysts) rates it buy, with a mean price target of $151.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.
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| Period | Price then | Price return | Divs per share | $1,000 became | Total return |
|---|---|---|---|---|---|
| 1 month | $138.06 | -0.5% | $0.38 | $998 | -0.2% |
| 2 months | $113.28 | +21.3% | $0.38 | $1,216 | +21.6% |
| 3 months | $126.28 | +8.8% | $0.38 | $1,091 | +9.1% |
| 6 months | $165.18 | -16.8% | $0.75 | $836 | -16.4% |
| 1 year | $251.75 | -45.4% | $1.50 | $552 | -44.8% |
| 2 years | $143.90 | -4.5% | $3.00 | $976 | -2.4% |
| 3 years | $297.43 | -53.8% | $4.50 | $477 | -52.3% |
| 5 years | $331.44 | -58.5% | $4.88 | $429 | -57.1% |
Historical returns from market close data. Past performance does not guarantee future results.
This entry now belongs to the ledger. Whatever PAYC does next, these words stay.
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