Nama's AI scorecard currently rates Paymentus Buy (8.4 out of 10), a call computed from its profitability, cash generation, growth, valuation and balance sheet. It is a research reading, not investment advice.

What is PAY's P/E ratio?

Paymentus trades at a trailing price-to-earnings ratio of 36.8.

When does PAY report earnings?

Paymentus's next scheduled report is on Feb 22, 2027. Analysts expect EPS of $0.24.

What is the PAY price target?

The median analyst price target from 6 analysts is $41.50, with a range of $37.00 – $45.00.

Is PAY Shariah compliant?

Nama's AAOIFI-style screen reads Paymentus as Shariah Compliant. Passes our debt, cash and income screen; not a scholar's ruling.

Nama Insights

Paymentus (PAY)

Technology · Software Infrastructure · NYSE

Paymentus (PAY) is a Technology company in the Software Infrastructure industry. It has a market capitalization of $4.22B, a trailing price-to-earnings ratio of 36.8 and a free-cash-flow yield of 2.9%. Over the most recent reported fiscal year, revenue grew 37.2% and free cash flow per share grew 357.1%. Nama's AI scorecard rates it Buy, 8.4 out of 10. On 12-month momentum it ranks in the lagging band of its market.

AI scorecard

Buy · 8.4/10

Clearly positive, short of the top band. As of Nov 7, 2026.

Momentum

Lagging · -13.3% over 12 months ex. last

Second-worst fifth of its market on the past year's move.

Shariah screen

Shariah Compliant

Passes our debt, cash and income screen; not a scholar's ruling.

Off its high

-26.1%

How far the last close sits under the highest price of the past five years.

Market cap	$4.22B
Trailing P/E	36.8
Price / book	6.9
Price / sales	3.1
FCF yield	2.9%
Dividend yield	—
Gross margin	24.9%
Operating margin	7.6%
Net margin	6.2%
Revenue growth (YoY)	+37.2%
Revenue growth (3-yr annual)	+34.0%
EPS growth (YoY)	+32.0%
FCF/share growth (YoY)	+357.1%
Beta	1.3
Exchange	NYSE
Sector	Technology
Industry	Software Infrastructure

PAY earnings

Next report: Feb 22, 2027 (Q4 2026, EPS estimate $0.24). Beat the EPS estimate in 4 of 4 recent quarters.

Quarter	Reported	EPS	Estimate	Surprise	Revenue
Q3 2026	Nov 2, 2026	$0.25	$0.21	+19.1%	$372.18M
Q2 2026	Aug 3, 2026	$0.25	$0.19	+31.6%	$360.74M
Q1 2026	May 4, 2026	$0.21	$0.18	+16.7%	$358.44M
Q4 2025	Feb 23, 2026	$0.20	$0.16	+25.0%	$330.46M

PAY analyst price target

Median target $41.50 from 6 analysts, ranging $37.00 – $45.00.

Software Infrastructure peers

Ticker	Company	Market cap	P/E
MSFT	Microsoft	$3.94T	29.4
PLTR	Palantir Technologies	$386.44B	112.2
ORCL	Oracle	$361.97B	14.4
PANW	Palo Alto Networks	$256.86B	81.9
CRWD	CrowdStrike	$222.09B	195.4
NET	Cloudflare	$95.70B	224.0
FTNT	Fortinet	$87.31B	34.5
SNPS	Synopsys	$86.32B	32.3

Explore live PAY data on Nama Insights →

PAY FAQ

Is PAY a buy?: Nama's AI scorecard currently rates Paymentus Buy (8.4 out of 10), a call computed from its profitability, cash generation, growth, valuation and balance sheet. It is a research reading, not investment advice.
What is PAY's P/E ratio?: Paymentus trades at a trailing price-to-earnings ratio of 36.8.
When does PAY report earnings?: Paymentus's next scheduled report is on Feb 22, 2027. Analysts expect EPS of $0.24.
What is the PAY price target?: The median analyst price target from 6 analysts is $41.50, with a range of $37.00 – $45.00.
Is PAY Shariah compliant?: Nama's AAOIFI-style screen reads Paymentus as Shariah Compliant. Passes our debt, cash and income screen; not a scholar's ruling.