Paymentus HoldingsPAY +10.16%80 Quick Ratio is 4.41 as of Mar. 2026, which is 1% above its 10-year median of 4.36. GuruFocus rates PAY with a GF Score™ of 80/100 and a GF Value™ of $38.77 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 2,865 Software companies, Paymentus Holdings ranks better than 84.71% on this metric.
Paymentus Holdings has a quick ratio of 4.41. It generally indicates good short-term financial strength.
The historical rank and industry rank for Paymentus Holdings's Quick Ratio or its related term are showing as below:
PAY'
s Quick Ratio Range Over the Past 10 Years
Min: 2.43 Med: 4.36 Max: 8.27
Current: 4.41
During the past 7 years, Paymentus Holdings's highest Quick Ratio was 8.27. The lowest was 2.43. And the median was 4.36.
PAY's Quick Ratio is ranked better than 84.71% of 2865
companies
in the Software industry
Industry Median: 1.7
vs PAY: 4.41
Paymentus Holdings (NYSE:PAY) Quick Ratio Explanation
The quick ratio is more conservative than the Current Ratio because it excludes inventories from current assets. The ratio derives its name presumably from the fact that assets such as cash and marketable securities are quick sources of cash. Inventories generally take time to be converted into cash, and if they have to be sold quickly, the company may have to accept a lower price than book value of these inventories. As a result, they are justifiably excluded from assets that are ready sources of immediate cash.
In general, low or decreasing quick ratios generally suggest that a company is over-leveraged, struggling to maintain or grow sales, paying bills too quickly or collecting receivables too slowly. On the other hand, a high or increasing quick ratio generally indicates that a company is experiencing solid top-line growth, quickly converting receivables into cash, and easily able to cover its financial obligations. Such companies often have faster inventory turnover and cash conversion cycles.
The higher the quick ratio, the better the company's liquidity position.
Paymentus Holdings Quick Ratio Related Terms
Paymentus Holdings Quick Ratio Historical Data
* Premium members only.
The historical data trend for Paymentus Holdings's Quick 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 Quick Ratio, along with its competitors' market caps and Quick 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 Quick Ratio vs Software Industry
For the Software industry and Technology sector, Paymentus Holdings's Quick Ratio distribution charts can be found below:
* The bar in red indicates where Paymentus Holdings's Quick Ratio falls into.
The quick ratio measures a company's ability to meet its short-term obligations with its most liquid assets. For this reason, the ratio excludes inventories from current assets.
Paymentus Holdings's Quick 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 Quick Ratio of 4.41 as of Mar. 2026. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on Paymentus Holdings and its competitors. This is near median its historical median of 4.36. Over the past decade, Paymentus Holdings' Quick Ratio has ranged from 2.43 to 8.27. According to the industry distribution chart, Paymentus Holdings ranks #438 out of 2865 companies in the Software industry, placing it in the top 15.3%.
Is Paymentus Holdings' Quick Ratio too high?
Paymentus Holdings' current Quick Ratio of 4.41 is near median its 10-year median of 4.36. Over the past 10 years, this metric has ranged from a low of 2.43 to a high of 8.27. The Software industry median Quick Ratio is 1.70. Paymentus Holdings' value of 4.41 is 159.4% above this industry median. Based on the distribution chart, Paymentus Holdings ranks #438 out of 2865 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' Quick Ratio compare to NTCT and NN?
According to the Software industry distribution chart, Paymentus Holdings ranks #438 out of 2865 companies for Quick Ratio. This places Paymentus Holdings in the top 15% of its industry — outperforming the majority of peers. The industry median Quick Ratio is 1.70. Paymentus Holdings' value of 4.41 is 159.4% above this benchmark. Historically, Paymentus Holdings' own Quick Ratio has ranged from 2.43 to 8.27 over the past decade. While the company's 10-year median is 4.36 vs. the industry median of 1.70, 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 Quick Ratio for a Software company?
The median Quick Ratio among Software companies is 1.70, based on 2,865 companies in the industry. Companies in the top quartile (top 25%) have a Quick Ratio significantly above this median, while those in the bottom quartile fall well below. However, Quick Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Paymentus Holdings's current Quick Ratio of 4.41 is 159.4% 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 Quick Ratio mean?
A high Quick Ratio can signal that a stock is expensive relative to its fundamentals. Quick ratio is the ratio of current assets less inventory to current liabilities. View historical data on Paymentus Holdings and its competitors. For the Software industry, the median Quick Ratio is 1.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Paymentus Holdings's current Quick Ratio is 4.41, which is near median its own 10-year median of 4.36. 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 $38.77, compared to a current price of $23.43 — trading 39.6% below its estimated fair value. The current Quick Ratio is 4.41, which is near median its 10-year median of 4.36 and 159.4% above the Software industry median of 1.70. 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 Quick Ratio calculated?
Quick Ratio is calculated from a company's financial statements. For Paymentus Holdings (PAY), the current Quick Ratio is 4.41 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 $23.43 is trading 39.6% below its estimated GF Value™ of $38.77.
GuruFocus considers Paymentus Holdings to be Significantly Undervalued.
Key valuation signals for PAY:
Quick Ratio: 4.41 (near median its 10-year median of 4.36)
GF Value™: $38.77 vs. price of $23.43 (39.6% below fair value)
Industry Position: 159.4% above the Software median (#438 of 2865)
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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