PAY
Paymentus Holdings·NYSE
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6.40 / 10
Outperform
Fundamental assessment of Paymentus Holdings is optimistic, scoring 6.4/10. Key strengths include positive Revenue-MV and PB-ROE factors, along with healthy YoY growth in net cash flow from operations. However, concerns remain over Asset-MV and Profit-MV, which score lower, indicating potential overvaluation or profit compression risks. Overall, the company's financial condition is adequate but not outstanding.
Analysis Checks(6/10)
Revenue-MV
Value-0.35
Score2/3
Weight8.41%
1M Return6.62%
Value-0.35
Score2/3
Weight8.41%
1M Return6.62%
Profit-MV
Value-0.54
Score0/3
Weight-2.37%
1M Return-2.52%
Value-0.54
Score0/3
Weight-2.37%
1M Return-2.52%
PB-ROE
Value4.89
Score3/3
Weight39.58%
1M Return44.13%
Value4.89
Score3/3
Weight39.58%
1M Return44.13%
Net profit margin (%)
Value5.34
Score3/3
Weight17.02%
1M Return18.84%
Value5.34
Score3/3
Weight17.02%
1M Return18.84%
Asset-MV
Value-0.50
Score1/3
Weight11.38%
1M Return12.76%
Value-0.50
Score1/3
Weight11.38%
1M Return12.76%
Days sales outstanding
Value35.03
Score1/3
Weight-1.64%
1M Return-1.85%
Value35.03
Score1/3
Weight-1.64%
1M Return-1.85%
Net income-Revenue
Value-0.88
Score3/3
Weight20.09%
1M Return22.66%
Value-0.88
Score3/3
Weight20.09%
1M Return22.66%
Net cash flow from operating activities (YoY growth rate %)
Value227.53
Score2/3
Weight2.16%
1M Return2.12%
Value227.53
Score2/3
Weight2.16%
1M Return2.12%
Income tax / Total profit (%)
Value21.28
Score2/3
Weight1.20%
1M Return1.16%
Value21.28
Score2/3
Weight1.20%
1M Return1.16%
Cash-MV
Value-1.06
Score1/3
Weight4.17%
1M Return3.46%
Value-1.06
Score1/3
Weight4.17%
1M Return3.46%
Revenue-MV
Value-0.35
Score2/3
Weight8.41%
1M Return6.62%
Value-0.35
Score2/3
Weight8.41%
1M Return6.62%
Days sales outstanding
Value35.03
Score1/3
Weight-1.64%
1M Return-1.85%
Value35.03
Score1/3
Weight-1.64%
1M Return-1.85%
Profit-MV
Value-0.54
Score0/3
Weight-2.37%
1M Return-2.52%
Value-0.54
Score0/3
Weight-2.37%
1M Return-2.52%
Net income-Revenue
Value-0.88
Score3/3
Weight20.09%
1M Return22.66%
Value-0.88
Score3/3
Weight20.09%
1M Return22.66%
PB-ROE
Value4.89
Score3/3
Weight39.58%
1M Return44.13%
Value4.89
Score3/3
Weight39.58%
1M Return44.13%
Net cash flow from operating activities (YoY growth rate %)
Value227.53
Score2/3
Weight2.16%
1M Return2.12%
Value227.53
Score2/3
Weight2.16%
1M Return2.12%
Net profit margin (%)
Value5.34
Score3/3
Weight17.02%
1M Return18.84%
Value5.34
Score3/3
Weight17.02%
1M Return18.84%
Income tax / Total profit (%)
Value21.28
Score2/3
Weight1.20%
1M Return1.16%
Value21.28
Score2/3
Weight1.20%
1M Return1.16%
Asset-MV
Value-0.50
Score1/3
Weight11.38%
1M Return12.76%
Value-0.50
Score1/3
Weight11.38%
1M Return12.76%
Cash-MV
Value-1.06
Score1/3
Weight4.17%
1M Return3.46%
Value-1.06
Score1/3
Weight4.17%
1M Return3.46%
Is PAY fundamentally strong?
- PAY scores 6.40/10 on fundamentals and holds a Discounted valuation at present. Backed by its 9.04% ROE, 5.29% net margin, 52.38 P/E ratio, 5.79 P/B ratio, and 45.45% earnings growth, these metrics solidify its Outperform investment rating.
