COMP <GO>
PAY vs V // EV/EBITDA & P/E VALUATION
Paymentus Holdings Inc. (Class A) (NYSE) VS. Visa Inc. (NYSE) • 15-METRIC TALLY: PAY 3
— V 9
▲ EV/EBITDA & P/E VALUATION LEADER: V
LAST: $32.26 (+2.02%) • MKT CAP: $4.06B
valuation
49.3x
LAST: $410.54 (+2.48%) • MKT CAP: $733.53B
valuation
28.9x
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (PAY VS. V)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | PAY | V | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 24.80% | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 24.90% | 32.30% | -7.40 | V | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | 49.3x | 28.9x | +20.40 | V | /valuation <GO> |
| Free Cash Flow Yield | 3.98% | 2.90% | +1.08 | PAY | /fcf-yield <GO> |
| Operating Margin | 6.30% | 60.00% | -53.70 | V | /operating-margins <GO> |
| Net Profit Margin | 5.60% | 50.10% | -44.50 | V | /net-margins <GO> |
| Revenue Growth (YoY) | 37.30% | 11.30% | +26.00 | PAY | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.63% | -0.63 | V | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | 25.80 | 9.09 | +16.71 | PAY | /balance-sheet <GO> |
| Piotroski F-Score Quality | 7/9 | 9/9 | -2.00 | V | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 51.6 | 65.6 | -13.96 | V | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 1.06 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 51.0x | 34.0x | +17.00 | V | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $4.06B | $733.53B | -$729.47B | V | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | PAY REV | V REV | PAY GROSS % | V GROSS % | PAY FCF | V FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.20B | $40.00B | 24.8% | — | $161.8M | $21.26B |
| FY 2024 | $871.7M | $35.93B | 27.3% | — | $63.2M | $18.33B |
| FY 2023 | $614.5M | $32.65B | — | — | $68.8M | $19.29B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
PAY // BETA —
V // BETA 1.06