Valuation

PAYPaymentus Holdings

StockNYSEStany ZjednoczoneFinancialsEU retail: available

3/10

Ratios vs sector

Medians of Financials companies in the same region (stocks and REITs).

Lower P/E, P/B, P/S and EV/EBIT mean cheaper; higher yields, returns and margins mean more for the price. Negative multiples (losses) are left out of the medians.
Metric	PAY	Sector median	vs median
P/E	46,5	13,2 · n=166	253% above
P/B	6,4	1,8 · n=174	265% above
P/S	2,9	2,5 · n=170	16% above
EV/EBIT	34,6	17,1 · n=54	103% above
Free-cash-flow yield	4,0%	7,3% · n=116	45% below
Dividend yield	0,00%	2,01% · n=186	100% below
Return on equity	15,0%	13,9% · n=183	8% above
Return on invested capital	31,6%	15,3% · n=59	107% above
Gross margin	24,9%	48,4% · n=24	48% below
Net debt / EBITDA	−2,66	0,93 · n=50	385% below

Value factor: 1 of 100 within the peer group. Full score breakdown →

Sector peers

The largest companies of the same sector and region.

Instrument	P/E	P/B	EV/EBIT	Free-cash-flow yield	Dividend yield	Smart Score
JPMJPMorgan	14,0	2,4	—	—	1,8%	8/10
MAMastercard	32,8	94,9	26,7	3,1%	0,6%	7/10
BACBank of America Corp	11,2	1,2	—	—	2,3%	8/10
MSMorgan Stanley	14,6	2,5	—	—	2,3%	4/10
GSGoldman Sachs	12,8	2,3	—	−16,2%	2,0%	5/10
WFCWells Fargo & Company	11,3	1,5	—	—	2,3%	5/10
CCitigroup	16,4	1,1	—	−34,7%	2,0%	3/10
AXPAmerican Express	18,2	6,0	—	7,3%	1,2%	4/10
SCHWThe Charles Schwab Corporation	17,2	3,8	—	6,4%	1,3%	6/10
BLKBlackRock	24,1	2,9	19,0	2,1%	2,1%	3/10

Fiscal-year history

From annual SEC filings; each bar is a fiscal year, labelled by the year it ended.

Filings: U.S. SEC EDGAR · ratios computed by AI-Stock Invest from public filings and end-of-day prices · latest period 30 cze 2026 · filed 04 sie 2026

WYCOFAJ SIĘ Z KONTRAKTU TUTAJ · Klienci z UE: 14 dni na odstąpienie od umowy.