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PAPAY

Paymentus Holdings, Inc.

$PAY·$4.4B·Software - Infrastructure·Technology
$35.04-3.0%YTD+15.0%1Y+1.4%
Price updated 13h ago·X counts updated 7d ago
PAPAY
$PAYPaymentus Holdings, Inc.
$35.04-3.02%12 posts
AI analysisFundamentalsVoices on X
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On X

The complete picture of $PAY on X — how loud the conversation is right now, how it has trended over the last two weeks, and which way the crowd is leaning.

12X posts · last 7 days
Sep 2Sep 13
Bullish sentimentAI analysisGenerated by AI from underlying data5 posts analyzed · as of 2026-09-08

Chatter is entirely the Robinhood-Chain $PAY memecoin — bonding curve live, G curve momentum building, available on GMGN. Community-driven paycheck-themed meme narrative.

Read what X is saying about $PAY

  • Bullish vs bearish call — with the AI summary of the day's posts
  • Divergence flag when the top-engagement posts argue the other side
  • How loud the conversation is versus this ticker's own normal
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AI verdictAI analysisGenerated by AI from underlying data

TickerTalks' own read on what's driving $PAY — fundamentals, momentum, or an event — and whether it agrees with the X crowd.

Proven numbersWinding up for a moveAI verdict · as of 2026-09-20

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

The equity is Paymentus, the bill-pay software at 59% of range — the loud $PAY chatter is a Robinhood-Chain memecoin.

Paymentus Holdings Inc is a bill-pay and payments-software platform — a real recurring-revenue SaaS-plus-payment-processing hybrid. Up 15% year-to-date and 1.4% over the trailing year, sitting at 59% of the 52-week range with volume 1.3x normal. Flagging up front: the $PAY chatter on X is a Robinhood-Chain memecoin, not Paymentus.

  • The setup on the actual equity is real quality-SaaS-plus-payments: 25% gross margin, 7% operating margin, 11% ROIC, 13% ROE, and 3% FCF yield at 59x P/E — those are quality-SaaS-payment unit economics with a modest fundamentals base.
  • The catch is what a 59x P/E on 7% operating margin needs: continued revenue growth plus operating-margin expansion — and 25% gross margin is thin for a SaaS name, so margin conversion is the whole test.

The story turns on Q3 earnings (Nov 2) showing continued transaction-volume growth plus operating-margin trajectory; a soft-transaction quarter or margin miss is what tests the coil down.

What to watch: Nov 2 earnings — transaction volume, operating-margin trajectory, and any commentary on customer-count growth. A transaction-plus-margin print extends the coil upward; a soft-transaction quarter resets.

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

ticker collides with crypto

Read the AI verdict on $PAY

  • One-line verdict on what's driving the move — fundamentals, momentum, both, or an event
  • Next dated catalyst when there is one (earnings, deal closing, activist clock)
  • Whether TickerTalks' read agrees with or diverges from the X crowd
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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 Software - Infrastructure sits in its cycle right now — and what that implies for $PAY.

Software - Infrastructure · Technology

NBIS-PLTR sovereign AI partnership formalises a new infrastructure tier pairing GPU-dense compute with enterprise operating layers, pulling a valuation premium over legacy SaaS. Oracle's Ellison cancelling $7.5B in planned stock sales despite a 50% pullback signals insider conviction in OCI's cloud infrastructure growth trajectory; AI-native security and zero-trust platforms continue to outpace the broader software cohort.

What this means for $PAY

Neutral — cloud-native SaaS bill-payment for utilities and governments; niche vertical with no AI-infrastructure demand driver beyond incremental automation.

Top industry ETF

$IGViShares Expanded Tech-Software Sector ETF
-0.7%YTD
-9.6%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 7 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$1.5B$1.4B – $1.5B$0.90$0.77 – $0.957
FY27$1.7B$1.7B – $1.7B$1.08$0.87 – $1.177
FY28$2.0B$2.0B – $2.0B$1.39$1.29 – $1.504

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.1.3×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.59%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.-1.8%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.+21.7%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 today1.3% 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.β1.315-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.

Insider activity

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

Recent transactions

SellAug 5Sanjay KalraCFO2.9K sh$117KSellAug 4Sanjay KalraCFO25.0K sh$1.0MSellAug 4Gary TrainorDirector52.7K sh$2.1MSellJul 29Gary TrainorDirector40.0K sh$1.4MSellJul 28Gary TrainorDirector40.0K sh$1.3M
+ 23 other (13 others · 6 inkinds · 4 awards) in window

See when $PAY insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
  • 30 / 60 / 180-day windows so you can spot building conviction
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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
AI summary

PAY filed an 8-K (Items: 2.01, 9.01) on 2026-08-03. Key content: Date: August 3, 2026 By: /s/ Sanjay Kalra Sanjay Kalra Senior Vice President and Chief Financial Officer 3. Financial figure noted: $0.0001 . Materiality depends on the specific item codes and disclosed event.

3New insider — initial holdingsJul 313
AI summary

Williams Gregory Hyde (Last) (First) (Middle) C/O ACCEL-KKR 2180 SAND HILL ROAD, SUITE 300 (Street) MENLO PARK CALIFORNIA 94025 (City) (State) (Zip) UNITED STATES (Country) 2. Date of Event Requiring Statement (Month/Day/Year) 07/23/2026 3. Issuer Name and Ticker or Trading Symbol Paymentus Holdings, Inc. [ PAY ] 3a. Foreign Trading Symbol 5. If Amendment, Date of Original Filed (Month/Day/Year) 4. Relationship of Reporting Person(s) to Issuer (Check all applicable) X Director 10% Owner Officer (give title below) Other (specify below) 6. Individual or Joint/Group Filing (Check Applicable Line) X Form filed by One Reporting Person Form filed by More than One Reporting Person Table I - Non-Derivative Securities Beneficially Owned 1. Title of Security (Instr. 4) 2. Amount of Securities Beneficially Owned (Instr. 4) 3. Ownership Form: Direct (D) or Indirect (I) (Instr. 5) 4. Nature of Indirect Beneficial Ownership (Instr. 5) Class A Common Stock 132,681 D Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities) 1. Title of Derivative Security (Instr. 4) 2. Date Exercisable and Expiration Date (Month/Day/Year) 3. Title and Amount of Securities Underlying Derivative Security (Instr. 4) 4. Conversion or Exercise Price of Derivative Security 5. Ownership Form: Direct (D) or Indirect (I) (Instr. 5) 6. Nature of Indirect Beneficial Ownership (Instr. 5) Date Exercisable Expiration Date Title Amount or Number of Shares Explanation of Responses: Remarks: Exhibit A - Power of Attorney /s/ Gregory Hyde Williams 07/31/2026 ** Signature of Reporting Person Date Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly. * If the form is filed by more than one reporting person, see Instruction 5 (b)(v). ** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a). Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure. Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number. * Form 3: SEC 1473 (03-26) filed an initial statement of beneficial ownership (Form 3) as a Director of PAY, with an event date of 1473. The filer directly owns 132,681 shares of common stock. This is a routine insider-ownership disclosure with no indication of open-market purchases or activist intent.

8-K/AShareholder vote (amended)Jul 238-K/A — Item 5.07: Shareholder vote
AI summary

PAY filed an 8-K (Item 5.07) disclosing the results of stockholder voting at its annual or special meeting. Vote disclosures are routine governance filings; contested results (e.g., failed say-on-pay) would be the indicator of significance.

8-KOfficer or director changeJul 238-K — Item 5.02: Officer or director change
AI summary

PAY filed an 8-K (Item 5.02) reporting a director or officer change. not to u is involved in the change. The role noted: Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory . This is primarily an administrative disclosure; materiality depends on the seniority of the role and whether it reflects a strategic shift.

8-KShareholder voteJun 88-K — Item 5.07: Shareholder vote
AI summary

PAY filed an 8-K (Item 5.07) disclosing the results of stockholder voting at its annual or special meeting. Vote disclosures are routine governance filings; contested results (e.g., failed say-on-pay) would be the indicator of significance.

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
+ 14 other (8 13Gs · 2 10-Qs · 2 earnings 8-Ks · 1 ARS) in window

Recent news

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

This Paymentus Holdings Analyst Begins Coverage On A Bullish Note; Here Are Top 5 Initiations For Thursdaybenzinga.com·3d agoPaymentus Scales Bill Payment Platform Across Additional Sectorspymnts.com·6d agoPaymentus Holdings, Inc. (PAY) Presents at Goldman Sachs Communacopia + Technology Conference 2026 Transcriptseekingalpha.com·10d ago3 Crypto-Exposed Stocks Riding the Institutional Crypto Wavezacks.com·12d agoIs Paymentus (PAY) Stock Outpacing Its Business Services Peers This Year?zacks.com·23d ago

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Voices on X · last 7 days

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