ScoreWhy is Paymentus Holdings, Inc. ?
1
Company has a low Debt to Equity ratio (avg) at times
2
Healthy long term growth as Net Sales has grown by an annual rate of 31.03%
3
With a growth in Net Profit of 57.06%, the company declared Very Positive results in Jun 25
- The company has declared positive results for the last 8 consecutive quarters
- OPERATING CASH FLOW(Y) Highest at USD 116.57 MM
- ROCE(HY) Highest at 11.59%
- DEBT-EQUITY RATIO (HY) Lowest at -50.71 %
4
With ROE of 10.14%, it has a attractive valuation with a 9.12 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -8.39%, its profits have risen by 76% ; the PEG ratio of the company is 1.9
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Paymentus Holdings, Inc. should be less than 10%
- Overall Portfolio exposure to Miscellaneous should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Miscellaneous)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Paymentus Holdings, Inc. for you?
High Risk, High Return
Absolute
Risk Adjusted
Volatility
Paymentus Holdings, Inc.
-2.17%
1.30
59.74%
S&P 500
13.22%
0.64
20.20%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
31.03%
EBIT Growth (5y)
28.30%
EBIT to Interest (avg)
20.15
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
-0.49
Sales to Capital Employed (avg)
1.59
Tax Ratio
16.77%
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
100.00%
ROCE (avg)
15.76%
ROE (avg)
6.98%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
90
Industry P/E
Price to Book Value
9.12
EV to EBIT
82.71
EV to EBITDA
47.50
EV to Capital Employed
17.08
EV to Sales
4.49
PEG Ratio
1.94
Dividend Yield
NA
ROCE (Latest)
20.65%
ROE (Latest)
10.14%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
No Trend
Mildly Bearish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend26What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 116.57 MM
ROCE(HY)
Highest at 11.59%
DEBT-EQUITY RATIO
(HY)
Lowest at -50.71 %
NET SALES(Q)
Highest at USD 280.08 MM
PRE-TAX PROFIT(Q)
Highest at USD 18.37 MM
DEBTORS TURNOVER RATIO(HY)
Highest at 10.9 times
NET PROFIT(Q)
Highest at USD 14.71 MM
EPS(Q)
Highest at USD 0.11
-3What is not working for the Company
RAW MATERIAL COST(Y)
Grown by 14.19% (YoY
Here's what is working for Paymentus Holdings, Inc.
Operating Cash Flow
Highest at USD 116.57 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Net Sales
Highest at USD 280.08 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
Pre-Tax Profit
Highest at USD 18.37 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Debt-Equity Ratio
Lowest at -50.71 % and Grown
In each half year in the last five Semi-Annual periodsMOJO Watch
The company has been reducing its borrowing as compared to equity capital
Debt-Equity Ratio
Net Sales
At USD 280.08 MM has Grown at 41.87%
Year on Year (YoY)MOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Net Profit
Highest at USD 14.71 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Net Profit
At USD 14.71 MM has Grown at 57.06%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.11
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Debtors Turnover Ratio
Highest at 10.9 times
in the last five Semi-Annual periodsMOJO Watch
Company has been able to sell its Debtors faster
Debtors Turnover Ratio
Here's what is not working for Paymentus Holdings, Inc.
Raw Material Cost
Grown by 14.19% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has deteriorated; this may lead to a fall in profit margin
Raw Material Cost as a percentage of Sales
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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