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PAY

PaymentusC
NYSE / Financial Services
Last Price
Quote time unavailable
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Current thesis
Q2 revenue growth, 21.4% transaction growth, and faster adjusted EBITDA growth support an operating-leverage case if new billers and backlog convert within the company's 2026 guidance. Company Q2 release
Posture
Mixed
Lead driver
Sentiment
What changed
3 setup hits (3d) with net bullish as of 2026-10-25.
What can break
August Form 4 records show open-market sales by the CFO and a director; these establish insider activity, not deterioration in operations. [#SEC-FORM4-2026-08-06]
Momentum
66
Value
47
Sentiment
57
Setup hits (3d)
3 · Net Bullish
AI TargetsBase $35.00 · Bull $42.00 · Bear $24.00Analysis 2026-10-02; returns require an exact persisted reference.
Earnings
2026-11-02 · AMC
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-23 • Vendor: Data Vendor v1
Scores
As of 2026-10-26 • Model: HYBRID_IC_RP
AI Memo
As of 2026-10-02 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-26

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-26. Definitions

Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Bullish
Target $40.83
Why
Momentum66 · Δ7d +21.7
Value47 · Δ7d -0.1
Sentiment57 · Δ7d -8.5
So what
Balanced signals (Net Bullish). Wait for confirmation before sizing up.

Confirming evidence

  • • 3 setup hits (3d) with net bullish as of 2026-10-25.
  • • Next scheduled catalyst: earnings 2026-11-02 · AMC.
  • • Sentiment remains the lead driver in the composite, 7D delta -8.5.

Contradictions & invalidation

  • • August Form 4 records show open-market sales by the CFO and a director; these establish insider activity, not deterioration in operations. [#SEC-FORM4-2026-08-06]
  • • Bookings may take longer to implement or recognize as revenue than investors expect; the checked release does not quantify backlog conversion timing. Company Q2 release
  • • Payment mix can affect contribution profit, while delayed implementations could defer expected backlog revenue.

Catalyst clock

2026-11-02 · AMC

Q3 results test 2026 guidance

Lead driver: Sentiment · See AI snapshot
Momentum
66
8% active weight
Current posture
7d trendImproving
Δ7d
+21.7
Δ21d
+20.2
Value
47
47% active weight
Current posture
7d trendFlat
Δ7d
-0.1
Δ21d
+0.9
Sentiment
57
45% active weight
Current posture
7d trendSoftening
Δ7d
-8.5
Δ21d
-19.6
Why this grade

Composite grade C. Momentum 66.3 / Value 46.5 / Sentiment 56.8

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-10-02. Scenario method

B+
Bull case
25%
Probability
Target price
$42.00
Analysis reference price unavailable
Analysis 2026-10-02 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$35.00
Analysis reference price unavailable
Analysis 2026-10-02 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$24.00
Analysis reference price unavailable
Analysis 2026-10-02 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-23
Market Cap
$4.2B
Beta
1.49
Shares Out
125.94M
P/E (TTM)
64.2
P/S (TTM)
3.30
P/FCF (TTM)
34.26
Rev YoY
+28.8%
EPS YoY
+75.4%
Gross Margin
+24.4%
Op Margin
+7.6%
Net Debt
-$317.68M
Current Ratio
4.89
As of 2026-10-26 • Updated nightlySource: Internal modelMethods & Data