PAY (Paymentus Holdings) Moat Score: 4/10 (As of Jul. 01, 2026)


PAY Paymentus Holdings Inc PAY
80 GF Score
Price $24.16
GF Value $38.85
Valuation Significantly Undervalued
! 1 Warning Sign
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What is Paymentus Holdings Moat Score?

Paymentus Holdings PAY +0.62% 80 Moat Score is 4 as of Jul. 01, 2026. GuruFocus rates PAY with a GF Score™ of 80/100 and a GF Value™ of $38.85 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 2,843 Software companies, Paymentus Holdings ranks better than 90.15% on this metric.

Paymentus Holdings has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Paymentus Holdings has Narrow Moat: Paymentus has a discernible but modest moat due to its growing market share in the electronic billing and payment solutions sector. It benefits from network effects and some customer switching costs, but lacks strong brand strength and significant regulatory barriers.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Paymentus Holdings might have Narrow Moat - Discernible but modest moat.

Paymentus Holdings  (NYSE:PAY) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Paymentus Holdings Moat Score Related Terms

PAY vs NTCT, INFQ, TDC: Moat Score Comparison

For the Software - Infrastructure subindustry, Paymentus Holdings's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Software Industry

For the Software industry and Technology sector, Paymentus Holdings's Moat Score distribution charts can be found below:

* The bar in red indicates where Paymentus Holdings's Moat Score falls into.


PAY
80GF Score
Paymentus Holdings Inc PAY
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Paymentus Holdings (PAY) has a Moat Score of 4 as of Jul. 01, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Paymentus Holdings ranks #280 out of 2843 companies in the Software industry, placing it in the top 9.8%.
Is Paymentus Holdings' Moat Score too high?
Paymentus Holdings' current Moat Score is 4. Based on the distribution chart, Paymentus Holdings ranks #280 out of 2843 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 80/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Paymentus Holdings' Moat Score compare to NTCT and INFQ?
According to the Software industry distribution chart, Paymentus Holdings ranks #280 out of 2843 companies for Moat Score. This places Paymentus Holdings in the top 10% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Software company?
A good Moat Score depends on the Software industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Paymentus Holdings's current Moat Score is 4. 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 Significantly Undervalued. The stock's GF Value™ is $38.85, compared to a current price of $24.16 — trading 37.8% below its estimated fair value. The current Moat Score is 4. Paymentus Holdings' overall GF Score™ is 80/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Paymentus Holdings (PAY), the current Moat Score is 4 as of Jul. 01, 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 $24.16 is trading 37.8% below its estimated GF Value™ of $38.85. GuruFocus considers Paymentus Holdings to be Significantly Undervalued.

Key valuation signals for PAY:

  • Moat Score: 4
  • GF Value™: $38.85 vs. price of $24.16 (37.8% below fair value)
  • GF Score™: 80/100 with 1 warning sign

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 Business Description

Address 11605 North Community House Road, Suite 300, Charlotte, NC, USA, 28277
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.
80GF Score

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$24.16
Price
$38.85
GF Value