Paymentus HoldingsPAY -1.59%80 PB Ratio is 4.61 as of Jun. 25, 2026, which is 20% below its 10-year median of 5.79. GuruFocus rates PAY with a GF Score™ of 80/100 and a GF Value™ of $38.75 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 2,625 Software companies, Paymentus Holdings ranks worse than 76.23% on this metric.
Paymentus Holdings Inc stock PB Ratio (=4.68) is close to 2-year low of 4.51.
The historical rank and industry rank for Paymentus Holdings's PB Ratio or its related term are showing as below:
PAY'
s PB Ratio Range Over the Past 10 Years
Min: 2.23 Med: 5.79 Max: 45.4
Current: 4.61
During the past 7 years, Paymentus Holdings's highest PB Ratio was 45.40. The lowest was 2.23. And the median was 5.79.
PAY's PB Ratio is ranked worse than 76.23% of 2625
companies
in the Software industry
Industry Median: 2.36
vs PAY: 4.61
During the past 12 months, Paymentus Holdings's average Book Value Per Share Growth Rate was 16.00% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 11.50% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 32.00% per year.
During the past 7 years, the highest 3-Year average Book Value Per Share Growth Rate of Paymentus Holdings was 75.90% per year. The lowest was 6.70% per year. And the median was 39.90% per year.
Back to Basics: PB Ratio
Paymentus Holdings (NYSE:PAY) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Paymentus Holdings PB Ratio Related Terms
Paymentus Holdings PB Ratio Historical Data
* Premium members only.
The historical data trend for Paymentus Holdings's PB Ratio 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.
For the Software - Infrastructure subindustry, Paymentus Holdings's PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Software Industry
For the Software industry and Technology sector, Paymentus Holdings's PB Ratio distribution charts can be found below:
* The bar in red indicates where Paymentus Holdings's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Paymentus Holdings (PAY) has a PB Ratio of 4.61 as of Jun. 25, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Paymentus Holdings and its competitors. This is 20% below median its historical median of 5.79. Over the past decade, Paymentus Holdings' PB Ratio has ranged from 2.23 to 45.40. According to the industry distribution chart, Paymentus Holdings ranks #2001 out of 2625 companies in the Software industry, placing it in the top 76.2%.
Is Paymentus Holdings' PB Ratio too high?
Paymentus Holdings' current PB Ratio of 4.61 is 20% below median its 10-year median of 5.79. Over the past 10 years, this metric has ranged from a low of 2.23 to a high of 45.40. The Software industry median PB Ratio is 2.36. Paymentus Holdings' value of 4.61 is 95.3% above this industry median. Based on the distribution chart, Paymentus Holdings ranks #2001 out of 2625 companies in the Software industry, which is in the bottom quartile 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' PB Ratio compare to NTCT and NN?
According to the Software industry distribution chart, Paymentus Holdings ranks #2001 out of 2625 companies for PB Ratio. This places Paymentus Holdings in the lower half of its industry. The industry median PB Ratio is 2.36. Paymentus Holdings' value of 4.61 is 95.3% above this benchmark. Historically, Paymentus Holdings' own PB Ratio has ranged from 2.23 to 45.40 over the past decade. While the company's 10-year median is 5.79 vs. the industry median of 2.36, 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 PB Ratio for a Software company?
The median PB Ratio among Software companies is 2.36, based on 2,625 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Paymentus Holdings's current PB Ratio of 4.61 is 95.3% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Paymentus Holdings and its competitors. For the Software industry, the median PB Ratio is 2.36 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Paymentus Holdings's current PB Ratio is 4.61, which is 20% below median its own 10-year median of 5.79. 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 $38.75, compared to a current price of $21.39 — trading 44.8% below its estimated fair value. The current PB Ratio is 4.61, which is 20% below median its 10-year median of 5.79 and 95.3% above the Software industry median of 2.36. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Paymentus Holdings (PAY), the current PB Ratio is 4.61 as of Jun. 25, 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 $21.39 is trading 44.8% below its estimated GF Value™ of $38.75.
GuruFocus considers Paymentus Holdings to be Significantly Undervalued.
Key valuation signals for PAY:
PB Ratio: 4.61 (20% below median its 10-year median of 5.79)
GF Value™: $38.75 vs. price of $21.39 (44.8% below fair value)
Industry Position: 95.3% above the Software median (#2001 of 2625)
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.
80GF Score
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