Paymentus Holdings, Inc. (PAY): one to watch?

Great business, but today's drop looks like the market cooling off an overheated stock, not new bad news — yet it's still priced at 60x earnings.

👀 WATCH Fundamentals63/100

Fell 10% in 1 trading day(s) — now $40.00

Why PAY dropped

No new negative news today; instead the stock is giving back part of a huge post-earnings spike from Aug 3-4, when it jumped over 25% on a strong beat-and-raise quarter and hit an all-time high near $44.60. Analysts like Baird had already flagged the stock as pricey after the surge, and today's -10.3% looks like profit-taking/valuation reset rather than a fundamental problem.

Fwd P/E 37.3Op margin 9.0%Rev growth 28.8%Debt/equity 1.7%Analyst upside -8.2%

How this scored 63/100

✅ Passes all 4 hard checks — profitable, cash-generative, and financially survivable.

✅ Makes money Net profit margin 6.2%

✅ Generates cash Free cash flow $110M

✅ Not drowning in debt Debt/equity 1.7% (limit 200%)

✅ Can pay its bills Current ratio 4.9 (needs 1+)

Bar length shows how much each metric is worth — a 10-point metric is twice as wide as a 5-point one. Hover any row for what it means.

Profitability Does it actually make money? 10/25

Operating margin 9.0% 3/9

Net profit margin 6.2% 2/8

Return on equity 15.0% 4/8

Growth Is it getting bigger, or dying? 25/25

Revenue growth 28.8% 9/9

Earnings growth 81.8% 8/8

Expected profit change 62.3% 8/8

Value Is it cheap right now? 3/25

Forward P/E 37.3 1/10

PEG ratio unknown 2/8

Analyst target upside -8.2% 0/7

Balance sheet Will it survive? 25/25

Debt / equity 1.7% 10/10

Current ratio 4.9 8/8

Free cash flow $110M 7/7

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Analysis generated by SmartStonks's AI from public fundamentals and news, first flagged 2026-08-06. Research only — not financial advice.