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PAY · NYSE · Software - Infrastructure

Paymentus

Runs bill presentment and payments across digital, assisted, and voice channels.

$36.10

After-hours close+0.13 (+0.38%)

At close$35.97(+1.00%)

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Profile

Paymentus Holdings, Inc.PAYInformation Technology

Provides billers with SaaS tools for electronic presentment, payments, customer communications, and self-service revenue management. Its platform connects billers’ systems to consumer payments across digital and assisted channels.

Connects billers’ financial and operating systems with electronic bill presentment, payment, customer communications, and self-service revenue management. Consumers can pay by card, debit, eCheck, or digital wallet through online, mobile, IVR, call-center, chatbot, and voice-assistant channels.

Serves billers across utilities, telecom, healthcare, insurance, property management, the public sector, higher education, banking and fintech, auto and consumer finance, mortgage, and B2B. Its employee presence is concentrated across the United States, Canada, and India.

Operates as one reportable segment. Service availability, cybersecurity, payment-platform operations, and continuity of founder-CEO Dushyant Sharma are documented operating dependencies.

Company facts

CEODushyant Sharma

ListedMay 26, 2021

ExchangeNYSE

HeadquartersCharlotte, NC

CountryUnited States

Employees1,340

CIK0001841156

ISINUS70439P1084

Key statistics

Market cap$4.52B

EPS (ttm)$0.6600

P/E (ttm)54.53

ROE14.8%

P/B7.38

P/S3.32

Dividend yield—

Beta0.79vs XLK −0.80

Year to date +26.3% · Average volume (30d) 1.2M

Analysts

Price target, next 12 months$38.00+5.6%Median of 10 analysts · vs the Aug 28 close

ConsensusHold2 of 10 analysts rate it buy or better

Ratings

Strong buyBuyHoldSellStrong sell

Target range

Last close $35.99

High$44.00+22.3%

Median$38.00+5.6%

Low$36.00+0.0%

12 months agoNowIn 12 months

Latest analyst notes

Date	Firm	Action	Prior rating	Rating	Prior target	Target
Aug 25, 2026	Wolfe Research	Downgrade	Outperform	Peer Perform
Aug 4, 2026	Wolfe Research	Reiterate		Outperform		$44
Aug 4, 2026	Robert W. Baird	Target			$34	$38
Aug 4, 2026	Goldman Sachs	Reiterate		Neutral	$32	$40
Jul 30, 2026	Baird	Downgrade	Outperform	Neutral

Earnings

EPS

Estimate$0.22

ReportedDue Nov 2, 2026

Revenue

Estimate$359.3M

ReportedDue Nov 2, 2026

History

Report date	EPS est	EPS	Surprise	Revenue est	Revenue	Surprise	Next session
Aug 3, 2026Q2 FY26	$0.19	$0.25	+32.6%	$345.4M	$360.7M	+4.4%	+29.20%
May 4, 2026Q1 FY26	$0.17	$0.21	+23.5%	$335.5M	$358.4M	+6.9%	−7.83%
Feb 23, 2026Q4 FY25	$0.18	$0.20	+11.1%	$313.8M	$330.5M	+5.3%	+1.11%
Nov 3, 2025Q3 FY25	$0.16	$0.17	+6.3%	$313.8M	$310.7M	−1.0%	+26.18%

View details

Financial highlights

	Q1 FY25	Q2 FY25	Q3 FY25	Q4 FY25	Q1 FY26	Q2 FY26
Revenue	$275.2M	$280.1M	$310.7M	$330.5M	$358.4M	$360.7M
Gross profit	$66.0M	$71.5M	$74.8M	$84.0M	$86.2M	$94.3M
Operating income	$15.7M	$15.9M	$19.9M	$24.1M	$26.6M	$32.6M
Net income	$13.8M	$14.7M	$17.7M	$20.7M	$20.9M	$25.6M
Diluted EPS	$0.11	$0.11	$0.14	$0.16	$0.16	$0.20
Gross margin	24.0%	25.5%	24.1%	25.4%	24.1%	26.1%
Operating margin	5.7%	5.7%	6.4%	7.3%	7.4%	9.0%

Fiscal years (4-quarter sums)FY21 $395.5M · FY22 $497.0M · FY23 $614.5M · FY24 $871.7M · FY25 $1.20B

Revenue by product · Q2 FY26

Payment Transaction Processing Revenue$357.8M · 99%

Other$2.9M · 1%

Revenue by geography · Q2 FY26

United States$354.8M · 98%

Non-US$5.9M · 2%

Balance sheet, Jun 30, 2026Cash & short-term investments $379.7M · Total debt $8.8M · Total assets $725.4M · Shareholders' equity $613.4M

Dividends

No dividends on record.

Ownership

Institutions 46.64%58.58M sharesInsiders 5.39%6.77M sharesOther 47.97%60.26M shares

Shares outstanding 125.60M · Float 104.83M · 83.5% free float

Top shareholders13F · 13D/G · Form 4

Holder	Shares	% outstanding	Form	Filed
Accel-KKR Holdings GP, LLC	28.19M	27.44%	13G	Feb 13, 2026
Capital International Investors	7.07M	5.63%	13F	Aug 12, 2026
Wasatch Advisors LP	6.19M	4.93%	13F	Jul 10, 2026
BlackRock, Inc.	4.36M	6.90%	13G	Jul 29, 2026
Capital World Investors	4.28M	3.40%	13F	Aug 12, 2026

Insider tradesForm 4

Date	Insider	Role	Shares	Avg price
Aug 4, 2026	Gary Trainor	director	−80,000	$40.79
Aug 5, 2026	Sanjay Kalra	officer: SVP and CFO	−2,909	$40.25
Aug 4, 2026	Sanjay Kalra	officer: SVP and CFO	−25,000	$41.21
Jul 29, 2026	Gary Trainor	director	−40,000	$35.12
Jul 28, 2026	Gary Trainor	director	−40,000	$33.12