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Paymentus Holdings Inc. Quality Score

PAY

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Quality74

Growth remains strong (avg 100/100), but valuation is pulling the composite down (avg 50/100).

Broad-market heuristics · Not a buy/sell signal

Valuation and growth

Earnings Multiple
40/100
45.9x

Above 30x, priced for sustained outperformance

Cash Flow Multiple
60/100
26.0x

25–30x, paying up for cash generation

Revenue Growth
100/100
30.1%

Above 10% CAGR, strong compounder

Cash Flow Growth
100/100
73.2%

Above 10% CAGR, strong compounder

Business Quality & Capital Allocation

Share Dilution
0/100
6.7%

Heavy dilution above 5%

Margin Trend
100/100
+8.8pp

Expanded 3+pp, strong improvement

Capital Structure
100/100
-$400M

Net cash position, no leverage concern

2022
$147M
$10.0M
2023
$179M
$11.0M
2024
$206M
$8.00M
2025
$321M
$7.00M
TTM
$408M
$8.00M
CashDebt
Return on Capital
60/100
13.7%

10–15%, respectable returns

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Paymentus Holdings (PAY) quality: score, margins and returns

Paymentus Holdings (PAY) scores 74/100 on Intrinsiqq's quality score (a solid business), a weighted blend of 8 metrics each scored 0 to 100, on 8.2% operating margins and 13.7% ROIC. Every metric is computed from SEC filings; this is analysis, not investment advice.

Frequently asked

Is Paymentus Holdings (PAY) a high-quality business?+

Paymentus Holdings scores 74 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which rates it a solid business on these measures. Recent figures include a 8.2% operating margin and a 13.7% return on invested capital. Quality and price are separate questions: even a great business can be a poor investment if you overpay, so read this score alongside the valuation. The metric-by-metric breakdown is on this scorecard.

What does Paymentus Holdings's quality score measure?+

Intrinsiqq's quality score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, change in share count, and balance-sheet strength, each computed from PAY's SEC filings rather than opinion or sentiment. A higher score means a more durable, capital-efficient business; it is not a buy or sell signal. Open each metric on this page to see exactly where Paymentus Holdings scores well and where it falls behind.

What is Paymentus Holdings's return on invested capital (ROIC)?+

Paymentus Holdings earns about 13.7% on its invested capital, which is solid. ROIC measures how much profit a company generates per dollar put to work; sustained ROIC above its cost of capital is one of the clearest signs of a real competitive moat. Compare it to PAY's margins and growth on this scorecard to judge durability.

How profitable is Paymentus Holdings?+

Paymentus Holdings runs an operating margin of about 8.2% and a net margin of about 6.7%. Revenue has grown at roughly 31.7% a year recently. High, stable margins usually point to pricing power and operating discipline. Margins are most telling next to growth and returns on capital, all of which feed this quality score. This is analysis from SEC filings, not investment advice.

How the market compares: US profitability statistics

SourceQuality score computed from the 10-Q filed 3 Nov 2026, covering the period ending 30 Sept 2026, as reported to the SEC. Data last refreshed 4 Nov 2026. How this is calculated.

Fiscal year ends Dec. Sector medians are approximate S&P 500 benchmarks and update periodically. Checks use broad-market heuristics, so sector norms may differ, and the valuation checks are more cyclical than the quality checks.

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Held by ETFs

PAY is in 45 US ETFs. The largest of them, with PAY's weight in each:

Spot a number that looks wrong? Check it in PAY's SEC filings or

Download this analysis as a PDF (Pro)

Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.

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Not financial advice. Analytical data for research only.

Intrinsiqq is a Netherlands-based company operating in Rotterdam, KvK 73238007.