Insider buying last 90 days
No open-market insider purchases were filed for PAY in the last 90 days.
From Form 4 filings, dated to when each was filed.
Every PAY insider filing, plotted on the chart in Gekko.Open PAY in Gekko
NYSE: PAY
Paymentus (PAY) Stock Analysis & Forecast
Oct 12 close
$31.73−0.15 (−0.5%)
Gekko Brief
AI summaryOct 12 closePaymentus trades at $31.73, down 0.5% on the session, sitting between its 50-day average of $35.88 and its 200-day average of $28.67, a mixed trend picture. Over longer stretches the stock is down 12.8% over one month but up 12.2% over three months and 24% over six months, with the one-year return at -0.6%. The GekkoIndex reading of 59.6 places the stock in the Neutral zone. Price sits close to Gekko Fair Value of $31.20, a gap of 1.7%.
Over the next 20 trading days, the main event is the earnings report due 2 November 2026 after close, 21 days away. In the last report, on 3 August 2026, EPS of $0.21 beat the $0.17 estimate and the stock reacted with a 30.8% move; the company has beaten estimates in 8 of its last 8 reported quarters, with an average absolute reaction of 18% historically. No insider, Congress or unusual options activity appears in the respective 90-day and 30-day windows. Seasonally, the next 20 trading days have averaged an 11.8% gain over 5 years, rising in 4 of them. Analyst coverage stands at 4 firms, with 2 buy and 2 hold ratings and no sell ratings, and a consensus target of $40.14, implying 26.5% upside from current levels.
Written by AI from the Oct 12, 2026 close and checked automatically against the figures on this page.
Paymentus price vs fair value
Close $31.73200-day averageGekko Fair Value $31.20
Paymentus quick facts
- Market cap
- $3.99B
- P/E ratio
- 48.4
- Forward P/E
- 28.3
- EPS, TTM
- $0.66
- Revenue, TTM
- $1.36B
- Profit margin
- 6.2%
- Dividend yield
- —
- Beta
- 1.34
- Volume
- 467,561 avg 1.12M
- 1-year return
- −0.6%
- Typical daily move
- ±3.6%
- Typical 20-day move
- ±10.5%
- 50-day average
- $35.88
- 200-day average
- $28.67
- Next earnings
- Nov 2 after close
- Shares outstanding
- 63.11M
Paymentus swing-trade checklist
Paymentus scores 1 supportive, 3 mixed and 1 headwind across the 5 checklist items with data.
Six things swing traders check before a 20-day hold, read from the latest data.
1 supportive3 mixed1 headwind
- Trendmixed
Averages disagree
Close $31.73 sits between the 50-day ($35.88) and 200-day ($28.67) averages, or the averages disagree.
See the chart - GekkoIndexmixed
59.6, Neutral
Reading 59.6 is in the Neutral zone.
See the GekkoIndex - Fair valuemixed
1.7% above
Price is within 5% of Gekko Fair Value (1.7% above).
See fair value - Smart moneyno data
No data
No insider, Congress or unusual options activity in the window.
See smart money - Earnings riskheadwind
Reports in 21 days
Reports on Nov 2, 2026, 21 days away — inside a typical 20-trading-day hold.
See earnings - Seasonalitysupportive
+11.8% on average
From this point in the calendar, the next 20 trading days averaged +11.8% over 5 years, rising in 4 of them.
See seasonality
A description of current data, not a recommendation. How this page works
Paymentus stock chart and price history
Paymentus closed at $31.73 on Oct 12, 2026, −0.6% over the past year, inside a 52-week range of $20.11 to $45.31.
Close50-day average200-day averageVolume
Use the left and right arrow keys to read daily values.
Performance Breakdown
- 1 month
- −12.8%
- 3 months
- +12.2%
- 6 months
- +24.0%
- 1 year
- −0.6%
The full PAY chart adds GekkoIndex, insider, options, Congress and hedge fund markers, plus TrendCandles™.Open PAY in Gekko
Follow Paymentus through every session
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Paymentus GekkoIndex: the smart money zone
Paymentus’s GekkoIndex — Gekko’s 0 to 100 smart money score — reads 59.6, in the Neutral zone, down 1 point over five sessions.
59.6Neutral
Down 1 point over five sessions, from the Accumulation zone.
Reading for Oct 12, 2026
What followed past readings in each zone
| Zone | Readings | 5 days | 20 days | ||
|---|---|---|---|---|---|
| Buying | 34 | +3.0% | +9.6% | ||
| Accumulation | 277 | +0.9% | +4.6% | ||
| Neutral (current zone) | 312 | −0.1% | +2.8% | ||
| Distribution | 58 | +4.1% | +0.5% | ||
| Selling | 1 | Too few readings yet | |||
Average PAY share-price change over the trading days after each daily reading in its GekkoIndex history. Across every stock Gekko tracks, Neutral readings averaged +1.1% over 20 days. Past behaviour doesn’t guarantee future results.
Neutral zone: No clear directional signal. About the five zones →
See every daily GekkoIndex reading plotted over the PAY price, zone by zone.Track PAY in Gekko
Is Paymentus stock overvalued? Gekko Fair Value
Paymentus trades 1.7% above Gekko Fair Value of $31.20, so the shares are about fair value on Gekko’s estimate.
Gekko’s own estimate of what Paymentus shares are worth, recalculated every trading day.
$31.20
Gekko Fair Value, Oct 10, 2026
1.7% above fair value · About fair value
At the end of Aug 2026 the price was 40.6% above the estimate.
Gekko Fair ValueShare price, month end
Gekko Fair Value on every chart, with the gap to price updating daily.Open PAY in Gekko
Paymentus insider and Congress trading
No open-market insider purchases were filed for Paymentus, and no Congress trades were disclosed, in the last 90 days.
Plus buybacks, unusual options and fund positions, each dated to when it became public.
Congress trades last 90 days
No trades in PAY were disclosed by members of Congress in the last 90 days.
From congressional disclosures, which report amounts as ranges.
Congress disclosures for PAY, plotted on the chart in Gekko.Open PAY in Gekko
Buybacks
Paymentus has been buying back its own shares.
- Bought back, year ended Oct 31, 2016
- $79.90M
- As a share of market cap
- 2.00%
From company filings.
Hedge funds and billionaires quarter ended Mar 31
0of the funds Gekko tracks hold PAY.
0added0opened0trimmed1sold out
Which funds are on each side, name by name.Unlock in Gekko
Paymentus earnings: next date and track record
Paymentus reports on Nov 2, 2026, after the close (21 days away), and beat the EPS estimate in 8 of its last 8 reports.
Next earnings report
Nov 2, 2026
Expected after the close, 21 days away
- EPS estimate
- $0.21
- Revenue estimate
- $358.9M
8 of 8reports beat the EPS estimate
±18%average move across the report
6 of 8reports followed by a gain
Share-price move across each report
Last earnings call, Aug 3, 2026 AI summary
- What they said
- Paymentus reported record Q2 2026 revenue with 28.8% year-over-year growth, 26.3% contribution profit growth, and 54% adjusted EBITDA growth. Management highlighted achieving a decade's worth of projected 20% CAGR growth three years ahead of schedule. The company launched Billeo, an AI-native service commerce suite, positioning Paymentus to expand beyond billing/payments into AI infrastructure and workflows for billers.
- Guidance
- Management expressed confidence in meeting full 2026 financial goals and longer-term targets based on strong Q2 bookings and substantial backlog. Revised 2026 guidance details were referenced but not yet disclosed in the excerpt. Long-term CAGR model targets 20% top-line and 25% adjusted EBITDA growth.
| Reported | EPS | Revenue | Move |
|---|---|---|---|
| Aug 3, 2026 | $0.21 est $0.17 | $360.7M est $345.4M | +30.8% |
| May 4, 2026 | $0.21 est $0.18 | $358.4M est $335.5M | −5.0% |
| Feb 23, 2026 | $0.20 est $0.17 | $330.5M est $313.8M | −4.8% |
| Nov 3, 2025 | $0.17 est $0.16 | $310.7M est $313.8M | +26.2% |
| Aug 4, 2025 | $0.15 est $0.14 | $280.1M est $284.7M | +16.1% |
| Mar 10, 2025 | $0.13 est $0.10 | $257.9M est $251.2M | +16.7% |
| Nov 12, 2024 | $0.11 est $0.06 | $231.6M est $190.7M | +26.2% |
| Aug 8, 2024 | $0.12 est $0.09 | $197.4M est $190.6M | +17.9% |
“Move” is the close of the first session after the report compared with the close of the last session before it, so it reads the same whether the company reported before the open or after the close.
Paymentus stock forecast and analyst price targets
Analysts’ average 12-month price target for Paymentus is $40.14, +26.5% from the last close, from 4 firms rating the stock in the last 90 days.
$40.14consensus 12-month target, +26.5% from the last close
Now $31.73Avg $40.14
Low $34High $43
Each firm’s latest rating in the last 90 days: 4 firms.
Latest analyst actions
| Date | Firm | Target | vs price |
|---|---|---|---|
| Sep 17 | Seaport Global | $42 | +32.4% |
| Sep 15 | Freedom Capital Markets | $43 | +35.5% |
| Aug 25 | Wolfe Research | — | — |
| Aug 3 | Robert W. Baird | $34 | +7.2% |
| Jul 30 | Robert W. Baird | $34 | +7.2% |
+2.8%average 20-day move after past Neutral readings
+11.8%average move over the next 20 trading days in the last 5 years
±3.6%typical daily move, from the 14-day average range
Gekko doesn’t publish price predictions. These are analyst targets and historical base rates, which don’t guarantee future results.
Paymentus seasonality: the next 20 trading days
Over the next 20 trading days from Oct 10, Paymentus averaged +11.8% across the last 5 years, rising in 4 of them.
Next 20 trading days, by year
Average move and hit rate
| Window | Average | Years higher |
|---|---|---|
| Next 5 trading days | +5.0% | 3 of 5 |
| Next 10 trading days | +4.6% | 3 of 5 |
| Next 15 trading days | +3.1% | 2 of 5 |
| Next 20 trading days | +11.8% | 4 of 5 |
| Next 30 trading days | +18.7% | 4 of 5 |
For scale, PAY’s typical 20-trading-day move in either direction is about 10.5%.
Paymentus market cap and key statistics
Paymentus’s market cap is $3.99B, with a P/E ratio of 48.4 and revenue of $1.36B over the last twelve months.
Valuation
- Market cap
- $3.99B
- P/E ratio
- 48.4
- Forward P/E
- 28.3
- EPS, TTM
- $0.66
- Gekko Fair Value
- $31.20
Trading
- Volume
- 467,561
- Avg volume, 20 days
- 1.12M
- 52-week high
- $45.31
- 52-week low
- $20.11
- Shares outstanding
- 63.11M
Financials
- Revenue, TTM
- $1.36B
- Profit margin
- 6.2%
- Return on equity
- 15%
- Quarterly earnings growth, YoY
- +81.8%
Risk and income
- Beta
- 1.34
- Typical daily move
- ±3.6%
- Typical 20-day move
- ±10.5%
Paymentus peers
Paymentus’s 6 largest industry peers by market value, with today’s move, GekkoIndex zone and gap to Gekko Fair Value.
| Stock | GekkoIndex zone | vs Fair Value |
|---|---|---|
| SHOPShopify | Distribution | 25.9% above |
| CTASCintas | Neutral | 14.1% above |
| PYPLPayPal | Neutral | 0.8% below |
| XYZBlock | Neutral | 7.5% above |
| CPAYCorpay | Neutral | 17.5% below |
| FISVFiserv | Accumulation | 39.7% below |
A peer links to its own page where one exists.
Paymentus stock FAQ
What is Paymentus’s market cap?
Paymentus’s market cap is $3.99B at the Oct 12, 2026 close of $31.73, with 63.11M shares outstanding. The shares trade on a P/E ratio of 48.4.
What is the Paymentus stock forecast?
The consensus analyst 12-month price target for Paymentus is $40.14, +26.5% from the last close. Of the 4 firms that rated the stock in the last 90 days, 2 rate it a buy, 2 a hold and 0 a sell. Gekko doesn’t publish price predictions of its own.
Is Paymentus stock overvalued or undervalued?
On Gekko’s estimate Paymentus is about fair value: the Oct 12, 2026 close of $31.73 is 1.7% above Gekko Fair Value of $31.20. Gekko Fair Value is recalculated every trading day, and a gap inside 5% either way counts as about fair value.
When does Paymentus report earnings next?
Paymentus is expected to report on Nov 2, 2026, after the market closes (21 days away). Analysts expect earnings of $0.21 per share on revenue of $358.9M. Paymentus beat the earnings estimate in 8 of its last 8 reports, moving 18% on average across the report.
What is Paymentus’s 52-week high and low?
Paymentus’s 52-week high is $45.31 and its 52-week low is $20.11; it closed at $31.73 on Oct 12, 2026, −0.6% over the past year.
Is Paymentus stock a buy right now?
Gekko describes the data; it does not make buy or sell recommendations. On the swing-trade checklist, 1 of the 5 items with data read as supportive (seasonality), 3 as mixed (trend, gekkoindex and fair value) and 1 as a headwind (earnings risk). The checklist is a description of current data, not a recommendation.
How this page works
During US trading hours the price at the top of the page is a delayed quote, refreshed every 15 minutes; everything else is rebuilt after each US market close. The GekkoIndex, Gekko Fair Value and the checklist are Gekko’s own, and the Gekko Brief is written by AI from this page’s data and checked against it before it is published. How Gekko’s data works →
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