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Upturn AI SWOT - About
PAY 
Paymentus Holdings Inc (PAY)
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Upturn Advisory Summary
08/28/2025: PAY (4-star) is a STRONG-BUY. BUY since 11 days. Profits (3.86%). Updated daily EoD!
Upturn Star Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Number of Analysts
7 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $39
1 Year Target Price $39
| 2 | Strong Buy |
| 0 | Buy |
| 5 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 137.96% | Avg. Invested days 43 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.85B USD | Price to earnings Ratio 88.48 | 1Y Target Price 39 |
Price to earnings Ratio 88.48 | 1Y Target Price 39 | ||
Volume (30-day avg) 7 | Beta 1.54 | 52 Weeks Range 19.53 - 40.43 | Updated Date 08/29/2025 |
52 Weeks Range 19.53 - 40.43 | Updated Date 08/29/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.44 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date 2025-08-04 | When - | Estimate 0.14 | Actual 0.15 |
Profitability
Profit Margin 5.37% | Operating Margin (TTM) 5.69% |
Management Effectiveness
Return on Assets (TTM) 6.36% | Return on Equity (TTM) 11.59% |
Valuation
Trailing PE 88.48 | Forward PE - | Enterprise Value 4618160549 | Price to Sales(TTM) 4.64 |
Enterprise Value 4618160549 | Price to Sales(TTM) 4.64 | ||
Enterprise Value to Revenue 4.42 | Enterprise Value to EBITDA 47.08 | Shares Outstanding 45349000 | Shares Floating 41377307 |
Shares Outstanding 45349000 | Shares Floating 41377307 | ||
Percent Insiders 5.39 | Percent Institutions 84.63 |
Upturn AI SWOT
Paymentus Holdings Inc
Company Overview
History and Background
Paymentus Holdings Inc. was founded in 2004. The company provides cloud-based bill payment technology solutions. It went public in May 2021. It focuses on enabling businesses to streamline and automate bill payment processes.
Core Business Areas
- Instant Payment Network (IPN): Provides a comprehensive network to manage and process payments, including real-time capabilities.
- Payment Platform: Cloud-based platform facilitating bill presentment, payment processing, and customer communication.
- Data and Analytics: Offers insights and analytics to optimize bill payment strategies.
Leadership and Structure
Dushyant Sharma is the founder and CEO. The company has a board of directors overseeing corporate governance.
Top Products and Market Share
Key Offerings
- Paymentus Instant Payment Network: Cloud-based platform providing a comprehensive suite of bill payment solutions. Competitors include BillGO and ACI Worldwide. Hard to derive precise market share. However, the digital bill payment market is fragmented.
- Omnichannel Payment Options: Enables payments through various channels like web, mobile, IVR, and in-person. Competitors include PayPal and Fiserv. Market share data is not readily available as part of overall digital wallet and payment processing market.
Market Dynamics
Industry Overview
The bill payment industry is undergoing a digital transformation, with increasing demand for convenient and secure payment solutions. Growth is driven by mobile adoption and the need for streamlined bill payment processes.
Positioning
Paymentus is positioned as a provider of end-to-end bill payment solutions, focusing on a simplified and integrated platform. They target larger organizations who seek a custom platform and integration.
Total Addressable Market (TAM)
The TAM for digital bill payments is substantial, estimated to be hundreds of billions of dollars annually, with Paymentus positioned to capture a portion through expansion and product development.
Upturn SWOT Analysis
Strengths
- Comprehensive payment platform
- Strong focus on cloud-based solutions
- Established Instant Payment Network (IPN)
- Scalable technology infrastructure
Weaknesses
- Reliance on key customer relationships
- Limited brand recognition compared to larger payment processors
- Competition from established players
Opportunities
- Expansion into new industry verticals
- Partnerships with financial institutions and technology providers
- Increased adoption of digital bill payment solutions
- Further development of the IPN
Threats
- Increased competition in the payment processing market
- Changes in regulations governing payment processing
- Cybersecurity threats and data breaches
- Economic downturn impacting bill payment volume
Competitors and Market Share
Key Competitors
- FISV
- GPN
- ACI
- BILL
Competitive Landscape
Paymentus competes in a crowded payment processing market against companies with larger market capitalization, focusing on its niche in instant payments and integrated bill payment solutions.
Major Acquisitions
Gloson
- Year: 2021
- Acquisition Price (USD millions): 76
- Strategic Rationale: Acquisition was performed to bolster its IPN capability to real-time payments
Growth Trajectory and Initiatives
Historical Growth: Paymentus has demonstrated solid historical growth due to the increasing adoption of its platform and expansion into new markets.
Future Projections: Analyst projections anticipate continued growth in revenue and earnings, driven by increasing demand for digital bill payment solutions.
Recent Initiatives: Paymentus is focused on expanding its IPN, forming strategic partnerships, and developing new product features to drive growth.
Summary
Paymentus is a growing company in the digital payment space with a focus on cloud-based solutions. It has a well-defined niche with their IPN and end-to-end solutions. Intense competition and need to manage customer concentration are key aspects to consider. The company needs to focus on partnerships to drive growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings, Investor presentations, Market research reports
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Market share estimates are approximate and may vary based on different sources.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Paymentus Holdings Inc
Exchange NYSE | Headquaters Charlotte, NC, United States | ||
IPO Launch date 2005-04-29 | Chairman, President & CEO Mr. Dushyant Sharma | ||
Sector Technology | Industry Software - Infrastructure | Full time employees 1307 | Website https://www.paymentus.com |
Full time employees 1307 | Website https://www.paymentus.com | ||
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 technology platform. Its platform's payment processing includes credit cards, debit cards, eChecks, and digital wallets. The company serves utility, financial service, government, insurance, telecommunication, real estate management, education, consumer finance, healthcare, and small business industries. Paymentus Holdings, Inc. was founded in 2004 and is headquartered in Charlotte, North Carolina.
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