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Upturn AI SWOT - About
PAY 
Paymentus Holdings Inc (PAY)
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Upturn Advisory Summary
10/31/2025: PAY (3-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
7 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $38
1 Year Target Price $38
| 2 | Strong Buy |
| 0 | Buy |
| 5 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 102.19% | Avg. Invested days 44 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 10/31/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.58B USD | Price to earnings Ratio 65 | 1Y Target Price 38 |
Price to earnings Ratio 65 | 1Y Target Price 38 | ||
Volume (30-day avg) 7 | Beta 1.51 | 52 Weeks Range 22.65 - 40.43 | Updated Date 11/2/2025 |
52 Weeks Range 22.65 - 40.43 | Updated Date 11/2/2025 | ||
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 - | When - | Estimate - | Actual - |
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 65 | Forward PE - | Enterprise Value 3632330437 | Price to Sales(TTM) 3.43 |
Enterprise Value 3632330437 | Price to Sales(TTM) 3.43 | ||
Enterprise Value to Revenue 3.48 | Enterprise Value to EBITDA 37.03 | Shares Outstanding 45348953 | Shares Floating 41377307 |
Shares Outstanding 45348953 | Shares Floating 41377307 | ||
Percent Insiders 5.39 | Percent Institutions 92.48 |
Upturn AI SWOT
Paymentus Holdings Inc
Company Overview
History and Background
Paymentus Holdings Inc. was founded in 2004. It provides cloud-based bill payment technology and solutions to businesses.
Core Business Areas
- Instant Payment Network: Secure real-time platform for businesses to accept, manage and reconcile electronic payments.
- Payment as a Service: Cloud-based SaaS platform to manage bills and payments across channels.
Leadership and Structure
Dushyant Sharma is the CEO. The company has a standard corporate structure with functional departments like Sales, Marketing, Technology, and Finance.
Top Products and Market Share
Key Offerings
- Instant Payment Network (IPN): Cloud-based SaaS platform that enables billers to connect to a range of payment options, including real-time payments. Market share estimated around 10-15%. Competitors include ACI Worldwide and Fiserv.
- Electronic Bill Presentment and Payment (EBPP): Solution that allows customers to view and pay bills electronically through various channels. No precise market share data available, but it's a competitive market. Competitors include BillGO and InvoiceCloud.
Market Dynamics
Industry Overview
The bill payment industry is undergoing digital transformation, driven by consumer demand for convenience and efficiency. Growing adoption of cloud-based solutions and real-time payment technologies are key trends.
Positioning
Paymentus is positioned as a leading provider of cloud-based bill payment solutions, focused on simplifying the payment process for businesses and consumers. Its IPN is a key differentiator.
Total Addressable Market (TAM)
The total addressable market is estimated at hundreds of billions of dollars. Paymentus is positioned to capture a growing share with its focus on digital bill payment solutions.
Upturn SWOT Analysis
Strengths
- Scalable cloud-based platform
- Strong focus on customer service
- Innovative payment solutions like IPN
- Established relationships with billers
Weaknesses
- Relatively smaller size compared to larger competitors
- Dependence on key biller relationships
- Limited brand recognition compared to larger players
Opportunities
- Growing adoption of digital bill payment solutions
- Expansion into new industries and geographies
- Partnerships with banks and other financial institutions
- Acquisition of smaller competitors
Threats
- Increased competition from larger players
- Rapid technological changes in the payment industry
- Economic downturn impacting bill payment volumes
- Security breaches and data privacy concerns
Competitors and Market Share
Key Competitors
- FISV
- GPN
- ACI
Competitive Landscape
Paymentus competes with larger, more established payment processors. Its competitive advantages include its innovative IPN and focus on customer service. However, it faces challenges from competitors with greater resources and brand recognition.
Major Acquisitions
Gaspari Software
- Year: 2021
- Acquisition Price (USD millions): 65.5
- Strategic Rationale: Expansion of offerings in the government sector.
Growth Trajectory and Initiatives
Historical Growth: Paymentus has experienced strong revenue growth in recent years, driven by increased adoption of its cloud-based bill payment solutions.
Future Projections: Analyst estimates suggest continued revenue growth for Paymentus, driven by the increasing demand for digital bill payment solutions.
Recent Initiatives: Recent initiatives include expanding its IPN, forming new partnerships, and launching new product features.
Summary
Paymentus shows promise with its innovative IPN and strong focus on digital bill payments, positioning it for continued growth in a transforming market. However, it faces challenges from larger competitors. While it's showing good growth, keeping ahead of the competition and maintaining focus on key biller relationships will be essential. Security and data breaches are paramount.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Website
- Analyst Reports
- SEC Filings
- Market Research Reports
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Market share data is approximate and based on available estimates. Financial data is not included and would provide a more robust evaluation.
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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