PAY
Paymentus Holdings·NYSE
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7.06 / 10
Outperform
PAY's fundamental score of 7.1/10 indicates a healthy profile, driven by strong PB-ROE (4.89) and Asset-MV factors. However, sub-par accounts receivable turnover (7.71) and Days Sales Outstanding (35.03) hint at working-capital inefficiencies. Overall, the company demonstrates satisfactory profitability and asset utilization, supporting an optimistic stance despite some operational lags.
Analysis Checks(6/10)
Revenue-MV
Value-0.36
Score2/3
Weight11.80%
1M Return4.29%
Value-0.36
Score2/3
Weight11.80%
1M Return4.29%
Profit-MV
Value-0.53
Score0/3
Weight-6.66%
1M Return-3.56%
Value-0.53
Score0/3
Weight-6.66%
1M Return-3.56%
Accounts receivable turnover ratio
Value7.71
Score1/3
Weight2.61%
1M Return1.09%
Value7.71
Score1/3
Weight2.61%
1M Return1.09%
Income tax / Total profit (%)
Value21.28
Score2/3
Weight3.01%
1M Return1.33%
Value21.28
Score2/3
Weight3.01%
1M Return1.33%
Total assets turnover ratio
Value1.42
Score2/3
Weight3.89%
1M Return2.09%
Value1.42
Score2/3
Weight3.89%
1M Return2.09%
Days sales outstanding
Value35.03
Score1/3
Weight-1.98%
1M Return-1.09%
Value35.03
Score1/3
Weight-1.98%
1M Return-1.09%
Net income-Revenue
Value-0.88
Score3/3
Weight25.10%
1M Return11.99%
Value-0.88
Score3/3
Weight25.10%
1M Return11.99%
PB-ROE
Value4.89
Score3/3
Weight46.54%
1M Return25.93%
Value4.89
Score3/3
Weight46.54%
1M Return25.93%
Current assets turnover ratio
Value2.27
Score0/3
Weight2.29%
1M Return1.20%
Value2.27
Score0/3
Weight2.29%
1M Return1.20%
Asset-MV
Value-0.51
Score2/3
Weight13.39%
1M Return6.93%
Value-0.51
Score2/3
Weight13.39%
1M Return6.93%
Revenue-MV
Value-0.36
Score2/3
Weight11.80%
1M Return4.29%
Value-0.36
Score2/3
Weight11.80%
1M Return4.29%
Days sales outstanding
Value35.03
Score1/3
Weight-1.98%
1M Return-1.09%
Value35.03
Score1/3
Weight-1.98%
1M Return-1.09%
Profit-MV
Value-0.53
Score0/3
Weight-6.66%
1M Return-3.56%
Value-0.53
Score0/3
Weight-6.66%
1M Return-3.56%
Net income-Revenue
Value-0.88
Score3/3
Weight25.10%
1M Return11.99%
Value-0.88
Score3/3
Weight25.10%
1M Return11.99%
Accounts receivable turnover ratio
Value7.71
Score1/3
Weight2.61%
1M Return1.09%
Value7.71
Score1/3
Weight2.61%
1M Return1.09%
PB-ROE
Value4.89
Score3/3
Weight46.54%
1M Return25.93%
Value4.89
Score3/3
Weight46.54%
1M Return25.93%
Income tax / Total profit (%)
Value21.28
Score2/3
Weight3.01%
1M Return1.33%
Value21.28
Score2/3
Weight3.01%
1M Return1.33%
Current assets turnover ratio
Value2.27
Score0/3
Weight2.29%
1M Return1.20%
Value2.27
Score0/3
Weight2.29%
1M Return1.20%
Total assets turnover ratio
Value1.42
Score2/3
Weight3.89%
1M Return2.09%
Value1.42
Score2/3
Weight3.89%
1M Return2.09%
Asset-MV
Value-0.51
Score2/3
Weight13.39%
1M Return6.93%
Value-0.51
Score2/3
Weight13.39%
1M Return6.93%
Is PAY undervalued or overvalued?
- PAY scores 7.06/10 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.
