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Paymentus HoldingsPAY +0.47%84 Return-on-Tangible-Asset is 17.82% as of Mar. 2026, which is 30% above its 10-year median of 13.69. GuruFocus rates PAY with a GF Score™ of 84/100 and a GF Value™ of $39.13 (Modestly Undervalued). The stock has 1 warning sign investors should review. Among 2,886 Software companies, Paymentus Holdings ranks better than 89.47% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Paymentus Holdings's annualizedNet Income for the quarter that ended in Mar. 2026 was $84 Mil. Paymentus Holdings's average total tangible assets for the quarter that ended in Mar. 2026 was $469 Mil. Therefore, Paymentus Holdings's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 17.82%.
The historical rank and industry rank for Paymentus Holdings's Return-on-Tangible-Asset or its related term are showing as below:
PAY'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -0.2 Med: 13.69 Max: 25.7
Current: 17.34
During the past 7 years, Paymentus Holdings's highest Return-on-Tangible-Asset was 25.70%. The lowest was -0.20%. And the median was 13.69%.
PAY's Return-on-Tangible-Asset is ranked better than 89.47% of 2886
companies
in the Software industry
Industry Median: 2.055
vs PAY: 17.34
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Paymentus Holdings Return-on-Tangible-Asset Related Terms
Paymentus Holdings Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Paymentus Holdings's Return-on-Tangible-Asset 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 NTCT, INFQ, TDC: Return-on-Tangible-Asset Comparison
For the Software - Infrastructure subindustry, Paymentus Holdings's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Software Industry
For the Software industry and Technology sector, Paymentus Holdings's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Paymentus Holdings's Return-on-Tangible-Asset falls into.
* 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 17.82% mean?
Paymentus Holdings (PAY) has a Return-on-Tangible-Asset of 17.82% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Paymentus Holdings and its competitors. This is 30% above median its historical median of 13.69. According to the industry distribution chart, Paymentus Holdings ranks #304 out of 2886 companies in the Software industry, placing it in the top 10.5%.
Is Paymentus Holdings' Return-on-Tangible-Asset too high?
Paymentus Holdings' current Return-on-Tangible-Asset of 17.82% is 30% above median its 10-year median of 13.69. The Software industry median Return-on-Tangible-Asset is 2.06. Paymentus Holdings' value of 17.82% is 767.2% above this industry median. Based on the distribution chart, Paymentus Holdings ranks #304 out of 2886 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 84/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Paymentus Holdings' Return-on-Tangible-Asset compare to NTCT and INFQ?
According to the Software industry distribution chart, Paymentus Holdings ranks #304 out of 2886 companies for Return-on-Tangible-Asset. This places Paymentus Holdings in the top 11% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 2.06. Paymentus Holdings' value of 17.82% is 767.2% above this benchmark. While the company's 10-year median is 13.69 vs. the industry median of 2.06, 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 Return-on-Tangible-Asset for a Software company?
The median Return-on-Tangible-Asset among Software companies is 2.06, based on 2,886 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Paymentus Holdings's current Return-on-Tangible-Asset of 17.82% is 767.2% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Paymentus Holdings and its competitors. For the Software industry, the median Return-on-Tangible-Asset is 2.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Paymentus Holdings's current Return-on-Tangible-Asset is 17.82%, which is 30% above median its own 10-year median of 13.69. 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 $39.13, compared to a current price of $29.78 — trading 23.9% below its estimated fair value. The current Return-on-Tangible-Asset is 17.82%, which is 30% above median its 10-year median of 13.69 and 767.2% above the Software industry median of 2.06. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Paymentus Holdings (PAY), the current Return-on-Tangible-Asset is 17.82% 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 23.9% below its estimated GF Value™ of $39.13.
GuruFocus considers Paymentus Holdings to be Modestly Undervalued.
Key valuation signals for PAY:
Return-on-Tangible-Asset: 17.82% (30% above median its 10-year median of 13.69)
GF Value™: $39.13 vs. price of $29.78 (23.9% below fair value)
Industry Position: 767.2% above the Software median (#304 of 2886)
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.
84GF Score
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