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Paymentus HoldingsPAY +7.50%89 Debt-to-EBITDA is 0.05 as of Mar. 2026, which is 77% below its 10-year median of 0.22. GuruFocus rates PAY with a GF Score™ of 89/100 and a GF Value™ of $39.32 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,725 Software companies, Paymentus Holdings ranks better than 92.99% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Paymentus Holdings's Debt-to-EBITDA or its related term are showing as below:
PAY'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.03 Med: 0.22 Max: 0.6
Current: 0.05
During the past 7 years, the highest Debt-to-EBITDA Ratio of Paymentus Holdings was 0.60. The lowest was 0.03. And the median was 0.22.
PAY's Debt-to-EBITDA is ranked better than 92.99% of 1725
companies
in the Software industry
Industry Median: 1.08
vs PAY: 0.05
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Paymentus Holdings Debt-to-EBITDA Related Terms
Paymentus Holdings Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Paymentus Holdings's Debt-to-EBITDA can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
PAY vs BLSH, TENB, CLBT: Debt-to-EBITDA Comparison
For the Software - Infrastructure subindustry, Paymentus Holdings's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Paymentus Holdings Debt-to-EBITDA vs Software Industry
For the Software industry and Technology sector, Paymentus Holdings's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Paymentus Holdings's Debt-to-EBITDA falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Mar. 2026) EBITDA data.
Paymentus Holdings (PAY) has a Debt-to-EBITDA of 0.05 as of Mar. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Paymentus Holdings. This is 77% below median its historical median of 0.22. Over the past decade, Paymentus Holdings' Debt-to-EBITDA has ranged from 0.03 to 0.60. According to the industry distribution chart, Paymentus Holdings ranks #121 out of 1725 companies in the Software industry, placing it in the top 7%.
Is Paymentus Holdings' Debt-to-EBITDA too high?
Paymentus Holdings' current Debt-to-EBITDA of 0.05 is 77% below median its 10-year median of 0.22. Over the past 10 years, this metric has ranged from a low of 0.03 to a high of 0.60. The Software industry median Debt-to-EBITDA is 1.08. Paymentus Holdings' value of 0.05 is 95.4% below this industry median. Based on the distribution chart, Paymentus Holdings ranks #121 out of 1725 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, Paymentus Holdings has a GF Score™ of 89/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Paymentus Holdings' Debt-to-EBITDA compare to BLSH and TENB?
According to the Software industry distribution chart, Paymentus Holdings ranks #121 out of 1725 companies for Debt-to-EBITDA. This places Paymentus Holdings in the top 7% of its industry — outperforming the majority of peers. The industry median Debt-to-EBITDA is 1.08. Paymentus Holdings' value of 0.05 is 95.4% below this benchmark. Historically, Paymentus Holdings' own Debt-to-EBITDA has ranged from 0.03 to 0.60 over the past decade. While the company's 10-year median is 0.22 vs. the industry median of 1.08, Paymentus Holdings has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for a Software company?
The median Debt-to-EBITDA among Software companies is 1.08, based on 1,725 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Paymentus Holdings's current Debt-to-EBITDA of 0.05 is 95.4% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Paymentus Holdings. For the Software industry, the median Debt-to-EBITDA is 1.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Paymentus Holdings's current Debt-to-EBITDA is 0.05, which is 77% below median its own 10-year median of 0.22. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Paymentus Holdings stock overvalued right now?
Based on GuruFocus' analysis, Paymentus Holdings (PAY) is currently considered Fairly Valued. The stock's GF Value™ is $39.32, compared to a current price of $36.70 — trading 6.7% below its estimated fair value. The current Debt-to-EBITDA is 0.05, which is 77% below median its 10-year median of 0.22 and 95.4% below the Software industry median of 1.08. Paymentus Holdings' overall GF Score™ is 89/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Paymentus Holdings (PAY), the current Debt-to-EBITDA is 0.05 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Paymentus Holdings (PAY) Overvalued in 2026?
Based on GuruFocus' analysis, Paymentus Holdings stock appears to be undervalued.
The current stock price of $36.70 is trading 6.7% below its estimated GF Value™ of $39.32.
GuruFocus considers Paymentus Holdings to be Fairly Valued.
Key valuation signals for PAY:
Debt-to-EBITDA: 0.05 (77% below median its 10-year median of 0.22)
GF Value™: $39.32 vs. price of $36.70 (6.7% below fair value)
Industry Position: 95.4% below the Software median (#121 of 1725)
No single metric tells the full story. See the PAY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Paymentus Holdings Inc provides electronic bill presentment and payment services, enterprise customer communication and self-service revenue management to billers through a Software-as-a-Service (SaaS), secure, omni-channel technology platform. The platform integrates with a biller's financial and operational systems to provide secure and flexible processing of payments, including credit cards, debit cards, eChecks, and digital wallets, across multiple channels such as online, mobile, IVR, call centers, chatbots, and voice-based assistants. The company generates the majority of its revenue from payment transaction fees processed through its platform. Geographically, it derives the maximum revenue from the United States.
89GF Score
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