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PAPAY

Paymentus Holdings, Inc.

Hot onWhy it's trendingX mentions rising faster than the marketMoving on elevated volumeBacked by solid revenue growth
$PAY·$4.3B·Information Technology Services·Technology
$40.12+0.3%YTD+41.9%1Y+21.8%
Mentions · last 7 days
2026-07-29: 7 posts2026-07-30: 7 posts2026-07-31: 3 posts2026-08-01: 3 posts2026-08-02: 2 posts2026-08-03: 14 posts2026-08-04: 43 posts79+64%
Price updated 13m ago·X counts updated 2d ago
PAPAY
$PAYPaymentus Holdings, Inc.
$40.12+0.30%79 posts+64%
AI analysisFundamentalsVoices on X
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AI verdict & sentimentAI analysisGenerated by AI from underlying data

Top X posts

Today's AI verdict on what's driving $PAY, plus how loud the X conversation is and which way it's leaning.

AI analysis

TickerTalks’ read on the fundamentals and what’s driving the move.

Driven by hypeWinding up for a moveAI verdict · as of 2026-08-05

Trading in a tight range and building pressure — a move looks likely soon, but the direction isn't clear yet.

Paymentus jumped 29% today after Q2 beat by 25% — the bill-payment platform is at 97% of the 52-week range.

Paymentus Holdings is a specialty bill-payment-technology company, providing electronic bill-payment infrastructure to utilities, insurance carriers, and other billing-heavy verticals.

  • The Q2 print was operationally exceptional: EPS beat by 25% on the August 3 print; Q2 revenue of $361M grew 28.8% year-over-year with gross margin at 26.1% and operating margin at 9% — meaning both volume and take-rate discipline are compounding at pace, and the two consecutive 24% EPS beats confirm continued operational execution.
  • The valuation is priced for continued growth: 58.5x trailing earnings and 3.4x sales at $4.3B market cap for a business generating $1.4B in FY26 revenue with 13.5% ROE is a growth multiple, and the analyst FY26 EPS estimate of $0.83 rising to $1.01 in FY27 puts today's $44.60 stock at ~54x forward and ~44x FY27 — expensive but reasonable for a fintech compounder with 30%+ revenue growth.
  • The setup shows the market's repricing: today's +29% move combined with the stock sitting at 97% of the 52-week range and +71% above the 50-day moving average is the specific pattern of a small-cap-with-catalyst breaking out; the July 28-29 director Gary Trainor sold ~$2.7M combined, which is elevated but not close to management-level.

With Q2 behind and November 2 Q3 up next, the coil resolves on continued growth cadence. Bull setup: another quarter of 25%+ revenue growth plus specific commentary on IPN (Instant Payment Network) or utility-vertical expansion; the setup at all-time highs shows the tape has repriced. Bear invalidation: another director-level $3M+ sale ahead of the Q3 print or a specific customer-concentration disclosure.

What to watch: November 2 Q3 earnings. Another quarter of 25%+ revenue growth plus IPN or utility-vertical expansion commentary extends the coil upward; another director-level $3M+ sale ahead of the print or customer-concentration disclosure is the invalidation.

On the calendar: 2026-11-02 — Q3 earnings

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What it does

Plain-English summary of the business — what they sell and how they make money.

Cloud-based bill payment platform enabling utilities, governments, and financial institutions to offer digital payment options to their customers.

Industry overviewAI analysisGenerated by AI from underlying data

Where Information Technology Services sits in its cycle right now — and what that implies for $PAY.

Information Technology Services · Technology

No material change from last week — SAIC, CACI, and LDOS benefit from multi-year DoD AI production contracts converting from pilots to deployed systems.

Top industry ETF

$IGViShares Expanded Tech-Software Sector ETF
-4.2%YTD
-8.4%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
58.5How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
11.1%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
6.8%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
3.1%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
3.4Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
13.5%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
24.7%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
0.0Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q2 2026Aug 3, 2026$0.25$0.19+32.6%
Q1 2026May 4, 2026$0.21$0.17+23.5%
Q4 2025Feb 23, 2026$0.20$0.18+11.1%
Q3 2025Nov 3, 2025$0.17$0.16+6.3%
Next earningsMon, Nov 2·consensus EPS $0.21

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q2 FY26$360.7M+28.8%26.1%9.0%$0.20$48.7M
Q1 FY26$358.4M+30.2%24.1%7.4%$0.17$20.9M
Q4 FY25$330.5M+28.1%25.4%7.3%$0.16$45.0M
Q3 FY25$310.7M+34.2%24.1%6.4%$0.14$35.0M

Forward consensus

3-year forecast · up to 6 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$1.4B$1.4B – $1.4B$0.83$0.80 – $0.866
FY27$1.7B$1.7B – $1.7B$1.01$0.97 – $1.066
FY28$2.0B$2.0B – $2.0B$1.29$1.18 – $1.403

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.1.8×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.79%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.+51.1%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.+42.4%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatMid float · 104.8M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today2.6% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.

Insider activity

Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.

Recent transactions

SellJul 29Gary TrainorDirector40.0K sh$1.4MSellJul 28Gary TrainorDirector40.0K sh$1.3M
+ 17 other (10 inkinds · 4 awards · 3 others) in window

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  • Real-time open-market buys and sells from Form 4 filings
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SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

8-KAcquisition completedAug 38-K — Item 2.01: Acquisition completed
3New insider — initial holdingsJul 313
8-K/AShareholder vote (amended)Jul 238-K/A — Item 5.07: Shareholder vote
8-KOfficer or director changeJul 238-K — Item 5.02: Officer or director change
8-KShareholder voteJun 88-K — Item 5.07: Shareholder vote
8-KOfficer or director changeApr 88-K — Item 5.02: Officer or director change
8-KOfficer or director changeMar 268-K — Item 5.02: Officer or director change
8-KOfficer or director changeMar 138-K — Item 5.02: Officer or director change
+ 24 other (15 13Gs · 3 earnings 8-Ks · 2 10-Qs · 1 ARS) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

Doug Bergeron Launches Campaign to Revitalize Growth at Ethan Allen and Nominates Alternative Slate of Director Candidatesgurufocus.com·1d agoFirst Trust Advisors LP Lowers Stock Position in Paymentus Holdings, Inc. $PAYdefenseworld.net·2d agoPaymentus Holdings, Inc. (PAY) Q2 2026 Earnings Call Transcriptseekingalpha.com·3d agoPaymentus Revenue Surges as Businesses Seek to Deliver Smooth Billing Experiencespymnts.com·3d agoPaymentus Q2 Earnings Call Highlightsmarketbeat.com·3d ago

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