Paymentus Holdings, Inc. (PAY) intrinsic value & 10-year financials
Paymentus Holdings, Inc. (PAY) has a Graham intrinsic value of $17.27 per share. At $31.54 on Oct 17, 2026, the stock trades 83% above that value. Over the last 8 fiscal years revenue grew 31.1% a year to $1.2B, with an average return on invested capital of 14.6%.
- Graham intrinsic value
- $17.27
- Share price (Oct 17, 2026)
- $31.54
- Price vs Graham value
- 83% above
- Market cap
- $4.1B
- Revenue (FY2025)
- $1.2B
- Revenue growth (8-yr CAGR)
- 31.1%
- ROIC (10-yr avg)
- 14.6%
- Free cash flow (FY2025)
- $161.8M
PAY 10-year financial history
| Fiscal year | Revenue | Net income | EPS (diluted) | Free cash flow | Operating margin | ROIC |
|---|---|---|---|---|---|---|
| FY2025 | $1.2B | $66.9M | $0.52 | $161.8M | 6.3% | 22.4% |
| FY2024 | $871.7M | $44.2M | $0.35 | $63.2M | 5.1% | 13.5% |
| FY2023 | $614.5M | $22.3M | $0.18 | $68.2M | 2.9% | 6.2% |
| FY2022 | $497.0M | -$513.0K | $0.00 | $18.6M | -0.6% | -0.6% |
| FY2021 | $395.5M | $9.3M | $0.06 | $18.5M | 2.6% | 6.9% |
| FY2020 | $301.8M | $13.7M | $0.08 | $35.2M | 6.1% | 31.6% |
| FY2019 | $235.8M | $13.7M | $0.08 | $16.5M | 7.8% | 22.4% |
| FY2018 | — | — | — | — | — | — |
Source: annual 10-K filings on SEC EDGAR. Figures in USD.
Executive summary
Paymentus Holdings, Inc. revenue growth over the past decade is N/A; insufficient history prevents a reliable 10-year CAGR calculation.
Paymentus Holdings, Inc. returns on capital have been average, hovering around 14.6% ROIC over the decade.
Paymentus Holdings, Inc. capital allocation metrics are N/A for the decade; share count and net debt history are incomplete.
Benjamin Graham lens
Under Benjamin Graham's formula using SEC EDGAR fundamentals, Paymentus Holdings, Inc. is modeled at 15.0% normalized earnings growth with a 5.1% bond-yield adjustment. The resulting Graham intrinsic value estimate is $17.27 per share.