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Paymentus HoldingsPAY +1.07%95 3-Year EBITDA Growth Rate is 73.50% as of Jun. 2026, which is 120% above its 10-year median of 33.35. GuruFocus rates PAY with a GF Score™ of 95/100 and a GF Value™ of $40.75 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 2,061 Software companies, Paymentus Holdings ranks better than 92.87% on this metric.
During the past 12 months, Paymentus Holdings's average EBITDA Per Share Growth Rate was 44.30% per year.
During the past 3 years, the average EBITDA Per Share Growth Rate was 73.50% per year.
During the past 5 years, the average EBITDA Per Share Growth Rate was 37.60% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
During the past 7 years, the highest 3-Year average EBITDA Per Share Growth Rate of Paymentus Holdings was 73.50% per year. The lowest was -6.30% per year. And the median was 33.35% per year.
EBITDA per Share is the amount of Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) per outstanding share of the company's stock.
Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is what the company earns before it expenses interest, taxes, depreciation and amortization.
Paymentus Holdings 3-Year EBITDA Growth Rate Related Terms
PAY vs BLSH, TENB, CLBT: 3-Year EBITDA Growth Rate Comparison
For the Software - Infrastructure subindustry, Paymentus Holdings's 3-Year EBITDA Growth Rate, along with its competitors' market caps and 3-Year EBITDA Growth Rate 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 3-Year EBITDA Growth Rate vs Software Industry
For the Software industry and Technology sector, Paymentus Holdings's 3-Year EBITDA Growth Rate distribution charts can be found below:
* The bar in red indicates where Paymentus Holdings's 3-Year EBITDA Growth Rate falls into.
This is the 3-year average growth rate of EBITDA per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
What does a 3-Year EBITDA Growth Rate of 73.50% mean?
Paymentus Holdings (PAY) has a 3-Year EBITDA Growth Rate of 73.50% as of Jun. 2026. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Paymentus Holdings and its competitors. This is 120% above median its historical median of 33.35. According to the industry distribution chart, Paymentus Holdings ranks #147 out of 2061 companies in the Software industry, placing it in the top 7.1%.
Is Paymentus Holdings' 3-Year EBITDA Growth Rate too high?
Paymentus Holdings' current 3-Year EBITDA Growth Rate of 73.50% is 120% above median its 10-year median of 33.35. The Software industry median 3-Year EBITDA Growth Rate is 12.20. Paymentus Holdings' value of 73.50% is 502.5% above this industry median. Based on the distribution chart, Paymentus Holdings ranks #147 out of 2061 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 95/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Paymentus Holdings' 3-Year EBITDA Growth Rate compare to BLSH and TENB?
According to the Software industry distribution chart, Paymentus Holdings ranks #147 out of 2061 companies for 3-Year EBITDA Growth Rate. This places Paymentus Holdings in the top 7% of its industry — outperforming the majority of peers. The industry median 3-Year EBITDA Growth Rate is 12.20. Paymentus Holdings' value of 73.50% is 502.5% above this benchmark. While the company's 10-year median is 33.35 vs. the industry median of 12.20, Paymentus Holdings has consistently been above 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 3-Year EBITDA Growth Rate for a Software company?
The median 3-Year EBITDA Growth Rate among Software companies is 12.20, based on 2,061 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EBITDA Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EBITDA Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Paymentus Holdings's current 3-Year EBITDA Growth Rate of 73.50% is 502.5% above 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 3-Year EBITDA Growth Rate mean?
A high 3-Year EBITDA Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Paymentus Holdings and its competitors. For the Software industry, the median 3-Year EBITDA Growth Rate is 12.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Paymentus Holdings's current 3-Year EBITDA Growth Rate is 73.50%, which is 120% above median its own 10-year median of 33.35. 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 Modestly Undervalued. The stock's GF Value™ is $40.75, compared to a current price of $35.99 — trading 11.7% below its estimated fair value. The current 3-Year EBITDA Growth Rate is 73.50%, which is 120% above median its 10-year median of 33.35 and 502.5% above the Software industry median of 12.20. Paymentus Holdings' overall GF Score™ is 95/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EBITDA Growth Rate calculated?
3-Year EBITDA Growth Rate is calculated from a company's financial statements. For Paymentus Holdings (PAY), the current 3-Year EBITDA Growth Rate is 73.50% as of Jun. 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 $35.99 is trading 11.7% below its estimated GF Value™ of $40.75.
GuruFocus considers Paymentus Holdings to be Modestly Undervalued.
Key valuation signals for PAY:
3-Year EBITDA Growth Rate: 73.50% (120% above median its 10-year median of 33.35)
GF Value™: $40.75 vs. price of $35.99 (11.7% below fair value)
Industry Position: 502.5% above the Software median (#147 of 2061)
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.
95GF Score
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