PAY
PaymentusANYSE / Financial Services
Last Price
At close
2026-07-21
Current thesis
Strong Q1 operating momentum, transaction growth, margin expansion, and FY2026 guidance support a constructive view. The AI-native service-commerce launch adds longer-term optionality, but adoption remains unproven.
Posture
Constructive
Lead driver
Momentum
What changed
Momentum remains the lead driver in the composite, 7D delta +14.7.
What can break
Failure to sustain biller and transaction growth could pressure the FY2026 outlook.
Momentum
93
Value
47
Sentiment
60
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $34.00 · Bull $37.00 · Bear $25.00
Data freshness
Prices
As of 2026-07-21
Fundamentals
As of 2026-07-21 • Vendor: Data Vendor v1
Scores
As of 2026-07-21 • Model: HYBRID_IC_RP
AI Memo
As of 2026-07-21 • Model: RankAlpha Sentiment Codex
Investment thesisAs of 2026-07-21
Investment thesis
As of 2026-07-21
Supporting evidence
What
Grade A · Constructive
Confidence Medium · Net Neutral
Target $34.00
Why
Momentum93 · Δ7d +14.7
Value47 · Δ7d -0.2
Sentiment60 · Δ7d -
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Lead driver: Momentum · See technicals
Momentum
93
26% active weight
Current posture
7d trendImproving
Δ7d
+14.7
Δ21d
+79.3
Value
47
39% active weight
Current posture
7d trendFlat
Δ7d
-0.2
Δ21d
+0.3
Sentiment
60
34% active weight
Current posture
7d trendTrend unavailable
Trend unavailable
Δ7d
-
Δ21d
-
Why this grade
Composite grade A. Momentum 92.7 / Value 46.6 / Sentiment 60.2
Fundamentals (TTM)As of 2026-07-21
Fundamentals (TTM)
As of 2026-07-21
Market Cap
$3.73B
Beta
1.49
Shares Out
125.79M
P/E (TTM)
64.2
P/S (TTM)
3.30
P/FCF (TTM)
34.26
Rev YoY
+30.2%
EPS YoY
+50.7%
Gross Margin
+23.8%
Op Margin
+5.8%
Net Debt
-$317.68M
Current Ratio
4.41
As of 2026-07-21 • Updated nightlySource: Internal modelMethodology