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Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities, calculated as total liabilities divided by total asset. Paymentus Holdings's Total Liabilities for the quarter that ended in Jun. 2026 was $112 Mil. Paymentus Holdings's Total Assets for the quarter that ended in Jun. 2026 was $725 Mil.
Therefore, Paymentus Holdings's Liabilities-to-Assets Ratio for the quarter that ended in Jun. 2026 was 0.15.
Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities. It can vary greatly across different industries, as they have different capital structure. A high Liabilities-to-Assets ratio (more leveraged) suggests that the company might have potential solvency problems, or even a signal of financial distress. Conversely, a low Liabilities-to-Assets ratio usually indicates a healthy financial situation. However, it may also suggest that the company is not expanding or not making good use of debt.
Paymentus Holdings Liabilities-to-Assets Related Terms
Paymentus Holdings Liabilities-to-Assets Historical Data
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The historical data trend for Paymentus Holdings's Liabilities-to-Assets 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: Liabilities-to-Assets Comparison
For the Software - Infrastructure subindustry, Paymentus Holdings's Liabilities-to-Assets, along with its competitors' market caps and Liabilities-to-Assets 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 Liabilities-to-Assets vs Software Industry
For the Software industry and Technology sector, Paymentus Holdings's Liabilities-to-Assets distribution charts can be found below:
* The bar in red indicates where Paymentus Holdings's Liabilities-to-Assets falls into.
Liabilities-to-Assets ratio measures the portion of the total liabilities to the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Liabilities-to-Assets ratio is calculated by dividing total liabilities by total asset.
Paymentus Holdings's Liabilities-to-Assets Ratio for the fiscal year that ended in Dec. 2025 is calculated as:
* 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.
Paymentus Holdings (PAY) has a Liabilities-to-Assets of 0.15 as of Jun. 2026. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Paymentus Holdings and its competitors.
Is Paymentus Holdings' Liabilities-to-Assets too high?
Paymentus Holdings' current Liabilities-to-Assets is 0.15. Overall, Paymentus Holdings has a GF Score™ of 92/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Paymentus Holdings' Liabilities-to-Assets compare to BLSH and TENB?
Paymentus Holdings' Liabilities-to-Assets of 0.15 can be compared against companies in the Software industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Liabilities-to-Assets for a Software company?
A good Liabilities-to-Assets depends on the Software industry context. However, Liabilities-to-Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Liabilities-to-Assets mean?
A high Liabilities-to-Assets can signal that a stock is expensive relative to its fundamentals. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on Paymentus Holdings and its competitors. Paymentus Holdings's current Liabilities-to-Assets is 0.15. 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 $40.69, compared to a current price of $38.98 — trading 4.2% below its estimated fair value. The current Liabilities-to-Assets is 0.15. Paymentus Holdings' overall GF Score™ is 92/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Liabilities-to-Assets calculated?
Liabilities-to-Assets is calculated from a company's financial statements. For Paymentus Holdings (PAY), the current Liabilities-to-Assets is 0.15 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 $38.98 is trading 4.2% below its estimated GF Value™ of $40.69.
GuruFocus considers Paymentus Holdings to be Fairly Valued.
Key valuation signals for PAY:
Liabilities-to-Assets: 0.15
GF Value™: $40.69 vs. price of $38.98 (4.2% below fair value)
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.
92GF Score
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Liabilities-to-Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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