PAY (Paymentus Holdings) Retained Earnings: $184 Mil (As of Mar. 2026)

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PAY Paymentus Holdings Inc PAY
84 GF Score
Price $29.78
GF Value $39.16
Valuation Modestly Undervalued
! 1 Warning Sign
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What is Paymentus Holdings Retained Earnings?

Paymentus Holdings PAY +0.47% 84 Retained Earnings is $184 Mil as of Mar. 2026. GuruFocus rates PAY with a GF Score™ of 84/100 and a GF Value™ of $39.16 (Modestly Undervalued). The stock has 1 warning sign investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Paymentus Holdings's retained earnings for the quarter that ended in Mar. 2026 was $184 Mil.

Paymentus Holdings's quarterly retained earnings increased from Sep. 2025 ($142 Mil) to Dec. 2025 ($163 Mil) and increased from Dec. 2025 ($163 Mil) to Mar. 2026 ($184 Mil).

Paymentus Holdings's annual retained earnings increased from Dec. 2023 ($52 Mil) to Dec. 2024 ($96 Mil) and increased from Dec. 2024 ($96 Mil) to Dec. 2025 ($163 Mil).


Paymentus Holdings  (NYSE:PAY) Retained Earnings Explanation

Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.

For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.

If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.

Of course, many companies with negative retained earnings have indeed lost money in the past.

Retained Earnings: Warren Buffett's Secret.

One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.

If the company loses more than it has accumulated, retained earnings is negative.

If a company isn't adding to its retained earnings, it isn't growing its net worth.

Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.

Microsoft is negative because it chose to buyback stock and pay dividends.

The more earnings retained, the faster it grows and increases growth rate for future earnings.


Paymentus Holdings Retained Earnings Historical Data

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The historical data trend for Paymentus Holdings's Retained Earnings 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.

Paymentus Holdings Retained Earnings Chart

Paymentus Holdings Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Retained Earnings
Get a 7-Day Free Trial 29.94 29.42 51.74 95.91 162.85

Paymentus Holdings Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Retained Earnings Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 109.73 124.43 142.18 162.85 183.73
PAY
84GF Score
Paymentus Holdings Inc PAY
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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Paymentus Holdings Retained Earnings Calculation

Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.

Of course, if a company loses, it is called retained losses, or accumulated losses.

Frequently Asked Questions Learn more about Retained Earnings →
What does a Retained Earnings of $184 Mil mean?
Paymentus Holdings (PAY) has a Retained Earnings of $184 Mil as of Mar. 2026. Retained earnings is the amount of net income not issued to shareholders. View historical data on Paymentus Holdings and its competitors.
Is Paymentus Holdings' Retained Earnings too high?
Paymentus Holdings' current Retained Earnings is $184 Mil. Overall, Paymentus Holdings has a GF Score™ of 84/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Paymentus Holdings' Retained Earnings compare to NTCT and INFQ?
Paymentus Holdings' Retained Earnings of $184 Mil 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 Retained Earnings for a Software company?
A good Retained Earnings depends on the Software industry context. However, Retained Earnings 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 Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on Paymentus Holdings and its competitors. Paymentus Holdings's current Retained Earnings is $184 Mil. 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 $39.16, compared to a current price of $29.78 — trading 24% below its estimated fair value. The current Retained Earnings is $184 Mil. Paymentus Holdings' overall GF Score™ is 84/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For Paymentus Holdings (PAY), the current Retained Earnings is $184 Mil 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 $29.78 is trading 24% below its estimated GF Value™ of $39.16. GuruFocus considers Paymentus Holdings to be Modestly Undervalued.

Key valuation signals for PAY:

  • Retained Earnings: $184 Mil
  • GF Value™: $39.16 vs. price of $29.78 (24% below fair value)
  • GF Score™: 84/100 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.
84GF Score

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Retained Earnings is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$29.78
Price
$39.16
GF Value