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Upturn AI SWOT - About
PAY 
Paymentus Holdings Inc (PAY)
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Upturn Advisory Summary
04/01/2025: PAY (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit 6.41% | Avg. Invested days 37 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 3.40B USD | Price to earnings Ratio 77.71 | 1Y Target Price 32.6 |
Price to earnings Ratio 77.71 | 1Y Target Price 32.6 | ||
Volume (30-day avg) 563495 | Beta 1.69 | 52 Weeks Range 16.94 - 38.94 | Updated Date 04/1/2025 |
52 Weeks Range 16.94 - 38.94 | Updated Date 04/1/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.35 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date 2025-03-11 | When - | Estimate 0.1194 | Actual 0.13 |
Profitability
Profit Margin 5.07% | Operating Margin (TTM) 5.5% |
Management Effectiveness
Return on Assets (TTM) 5.19% | Return on Equity (TTM) 9.65% |
Valuation
Trailing PE 77.71 | Forward PE - | Enterprise Value 3201655823 | Price to Sales(TTM) 3.9 |
Enterprise Value 3201655823 | Price to Sales(TTM) 3.9 | ||
Enterprise Value to Revenue 3.67 | Enterprise Value to EBITDA 39.36 | Shares Outstanding 32317300 | Shares Floating 28392882 |
Shares Outstanding 32317300 | Shares Floating 28392882 | ||
Percent Insiders 4.57 | Percent Institutions 77.43 |
Analyst Ratings
Rating 3.33 | Target Price 33.25 | Buy - | Strong Buy 1 |
Buy - | Strong Buy 1 | ||
Hold 5 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Paymentus Holdings Inc
Company Overview
History and Background
Paymentus Holdings Inc. was founded in 2004. The company provides cloud-based bill payment technology solutions, enabling businesses to offer a modern payment experience to their customers.
Core Business Areas
- Bill Payment Platform: Provides a comprehensive, cloud-based bill payment platform that allows businesses to accept payments through various channels, including online, mobile, IVR, and in-person.
- Instant Payment Network: Facilitates real-time or near real-time payment processing, reducing payment delays and improving cash flow for businesses.
- Payment Intelligence: Offers data analytics and reporting tools to help businesses gain insights into payment patterns and optimize payment strategies.
Leadership and Structure
Dushyant Sharma is the CEO and Founder. The company has a typical corporate structure with functional departments like Sales, Marketing, Technology, and Finance.
Top Products and Market Share
Key Offerings
- Instant Payment Network: A key product enabling real-time payments. Competitors include Visa Direct, Mastercard Send, and other real-time payment solutions. No accurate market share available.
- Payment Platform: Cloud-based platform for handling multiple payment channels. Competitors include ACI Worldwide, Fiserv, and BillGO. No accurate market share available.
Market Dynamics
Industry Overview
The bill payment industry is undergoing significant digital transformation, driven by consumer demand for convenient and seamless payment experiences. Fintech companies are increasingly disrupting traditional payment methods.
Positioning
Paymentus is positioned as a leading provider of cloud-based bill payment solutions, focusing on real-time payments and customer engagement. Its competitive advantages include its integrated platform and focus on customer service.
Total Addressable Market (TAM)
The total addressable market for bill payments is estimated to be in the trillions of dollars annually. Paymentus is positioned to capture a growing share of this market through its innovative solutions.
Upturn SWOT Analysis
Strengths
- Cloud-native platform
- Real-time payment capabilities
- Strong customer relationships
- Scalable architecture
Weaknesses
- Smaller size compared to competitors
- Reliance on a few key clients
- Limited international presence
- Rapid growth can strain resources
Opportunities
- Expanding into new verticals
- Acquiring smaller competitors
- Partnerships with financial institutions
- Increasing adoption of real-time payments
Threats
- Intense competition
- Economic downturn
- Changes in regulations
- Security breaches
Competitors and Market Share
Key Competitors
- FISV
- ACI
- BILL
Competitive Landscape
Paymentus offers a competitive solution, particularly for real-time payments, but it faces competition from larger, more established players.
Major Acquisitions
Gimmal Software
- Year: 2022
- Acquisition Price (USD millions): 120
- Strategic Rationale: Expanded Paymentus's integration capabilities and reach to new customers.
Growth Trajectory and Initiatives
Historical Growth: Paymentus has experienced strong revenue growth in recent years, driven by increasing demand for its cloud-based bill payment solutions.
Future Projections: Analyst estimates vary. Refer to financial data providers for up-to-date analyst estimates.
Recent Initiatives: Recent initiatives include expanding its instant payment network, launching new product features, and forging partnerships with financial institutions.
Summary
Paymentus is a growing player in the bill payment space, driven by its cloud-based platform and real-time payment capabilities. Its smaller size compared to competitors presents a challenge, but its focus on innovation and customer service positions it for continued growth. It needs to watch out for security breaches and economic downturns. Further acquisitions are key for growing in the market.
Similar Companies
ACI
Albertsons Companies
ACI
Albertsons Companies
BILL
Bill Com Holdings Inc
BILL
Bill Com Holdings Inc
FISV
Fiserv Inc.
FISV
Fiserv Inc.
Sources and Disclaimers
Data Sources:
- Company Filings
- Financial News Outlets
- Industry Reports
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market conditions can change rapidly, and past performance is not indicative of future results.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Paymentus Holdings Inc
Exchange NYSE | Headquaters Charlotte, NC, United States | ||
IPO Launch date 2005-04-29 | Chairman, President & CEO Mr. Dushyant Sharma | ||
Sector Technology | Industry Software - Infrastructure | Full time employees 1307 | Website https://www.paymentus.com |
Full time employees 1307 | Website https://www.paymentus.com | ||
Paymentus Holdings, Inc. provides cloud-based bill payment technology and solutions in the United States and internationally. The company offers electronic bill presentment and payment services, enterprise customer communication, and self-service revenue management to billers through a software-as-a-service technology platform. Its platform's payment processing includes credit cards, debit cards, eChecks, and digital wallets. It serves utility, financial service, government, insurance, telecommunication, real estate management, education, consumer finance, healthcare, and small business industries. The company was founded in 2004 and is headquartered in Charlotte, North Carolina.
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