Stock Ratings / Consumer Discretionary / PAY

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Paymentus Holdings Inc. (Class A) (PAY) — RQD Stock Rating Cockpit

$32.26 +2.02% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $32.45

Paymentus Holdings Inc. (Class A) (PAY) earns a Roarable Rating of B+ (Buy) with 79/100 RQD Confidence. High-quality cash engine (25% profit margin, 25% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

📊 Historical Track Record: Scores of 79/100 (B+) historically ranked in the Top 9% of excess returns over the next 90 days (+8.1% avg 90D alpha vs SPY • 71.0% hit rate) →

ROARABLE B+ • BUY Cap $4.06B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $32.45 (+0.60%)🧬 Cannibal Buyback (-2.08% YoY Shares)⚙️ Cash Engine: 19/20 (A+) • 13.5% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 79/100 (B+) historically ranked in the Top 9% of excess returns over the next 90 days (+8.1% avg 90D alpha vs SPY • 71.0% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERBUY • B+

3-of-3 JEV AI Jury Bullish

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw B+ · Rk A-

Each axis scored 0–20

12M PRICE TARGET CONE+9.5% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for PAY)Realized 20D OHLCV Swing Band: ±7.5%

Deterministic 5-Pillar Attribution (79/100 Composite)

🔍 WHY PAY SCORES 79/100 (B+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Cash Engine Quality+19/20 pts (24% of score)

SEC XBRL FY 2025 (10-K): 13.5% FCF Margin ($161.8M FCF) & 24.8% Gross Margin

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+18/20 pts (23% of score)

Altman Z-Score 25.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 7/9

▼ #1 Drag / Risk Factor: Whale & Options Positioning12/20 pts (-8 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-8 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade B$31.88-1.1% Next Q

Q2 (-2Q)

Grade B+$31.54+5.7% Next Q

Q3 (-1Q)

Grade B+$33.35-3.3% Next Q

Current

Grade B+$32.26+8.1% Hist 90D α

Trajectory: B (71) → B+ (79)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the PAY Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 79/100 (B+) score, PAY faces multiple-compression risk if 60.7x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Priced at 61x earnings—high expectations leave less room for a lukewarm quarter.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.08% YoY Shares) — any gross margin slip below 22.3% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($33.74) or 200D SMA ($28.79) invalidates the momentum regime and cuts Target Base ($35.31) toward Bear Floor ($26.45).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $PAY• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “PAY Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 79%NO 21%Trade / Inspect Odds →

RSI-14 MOMENTUMNEUTRAL RANGE

51.630 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

25.80>3.0 Fortress Safe

PIOTROSKI F-SCOREHIGH QUALITY (7–9)

7 / 99-Pt Accounting

52-WEEK LASER RANGE48% OF RANGE

L: $20$32.26H: $45

1. Money & Cash Health● HEALTHY

Are profits real cash in the bank?

Real cash coming in backs up reported profits (25% profit margin and healthy balance-sheet cushion).

Factor Grade: A+RQD 19 / 20

2. Big Money & Insiders● NEUTRAL

Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: C+RQD 27 / 40

3. Hidden Risks & Market Weather● ALL CLEAR

SEC fine-print scan & interest-rate fit

Clean SEC fine-print check with low hidden accounting risk and favorable interest-rate weather.

Factor Grade: A-RQD 33 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

3-of-3 JEV AI Jury Bullish on PAY

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BULLISH (95)

24.9% ROIC with 24.8% gross margin and 3.98% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

BULLISH (90)

Altman-Z 25.80 and Piotroski 7/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BULLISH (70)

27/40 institutional & smart-money positioning score with 15/20 macro alignment.

Bull Case: Why Buyers Like PAY

✓Strong cash generator (25% profit margin)—profits are backed by real money, not accounting tricks.
✓Company leadership has skin in the game with net positive insider conviction.
✓Clean SEC annual filing review with no major hidden accounting time-bombs.

Bear Case: What Could Go Wrong

!Priced at 61x earnings—high expectations leave less room for a lukewarm quarter.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (PAY Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

PAY // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +15.01%🛡️ HOLDING TREND SUPPORT

2026-10-30O $32.26H $33.18L $31.88C $32.26VOL 768.7K

RES: $39.93SUP: $30.30SMA50: $33.74SMA200: $28.79

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

PAY Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 PAY Butterfly Map → + Track PAY →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

41.8%/yr Implied 5Y Growth

vs. +37.3% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on PAY today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for PAY. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for PAY today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (PAY)

Consumer Discretionary Rank #39 of 1011 ⚔️ DLO vs PAY Full Matrix →

1. Head-to-Head Consumer Discretionary Peer Comparison (PAY vs. DLO, BFH, MMS, RELY)

Industry: Business Services (90 Tracked Issuers)

Across 1011 tracked Consumer Discretionary securities in the Roarable RQD universe, Paymentus Holdings Inc. (Class A) (PAY) ranks #39 by composite RQD confidence (79/100, grade B+) and #309 by equity capitalization ($4.06B). Within this direct 5-issuer industry benchmark cohort, BFH leads on earnings valuation at 7.7x trailing P/E, while PAY leads on capital efficiency and profitability with 24.9% ROIC and 24.8% gross margin. PAY currently leads its immediate peer cohort in composite quantitative strength at 79/100 (B+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
PAY ACTIVE Paymentus Holdings Inc. (Class A)	B+	79/100	60.7x	24.8%	24.9%	+2.02%	$4.06B	Benchmark Subject
DLO DLocal Limited (Class A)	D	50/100	—	—	—	-0.87%	$4.03B	/dlo-vs-pay →
BFH Bread Financial Holdings Inc.	C-	61/100	7.7x	—	6.4%	+0.89%	$4.01B	/bfh-vs-pay →
MMS Maximus Inc.	B+	76/100	10.3x	24.6%	13.5%	+1.67%	$3.29B	/mms-vs-pay →
RELY Remitly Global Inc.	C	64/100	76.8x	—	12.7%	+1.53%	$5.22B	/rely-vs-pay →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001841156

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Paymentus Holdings Inc. (Class A) (PAY) reported GAAP revenue of $1.20B (+37.3% vs. FY2024 revenue of $871.7M , and +94.7% cumulative change since FY2023) , GAAP net income of $66.9M, operating cash flow of $162.1M, and free cash flow of $161.8M (+156.1% YoY). On the balance sheet, PAY closed FY2025 with $667.9M in total assets against $0 in total debt (Altman Z-Score: 25.80, Piotroski F-Score: 7/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$1.20B	$66.9M	$162.1M	$161.8M	$667.9M	—
FY2024 (FY)	2024-12-31	$871.7M	$44.2M	$63.6M	$63.2M	$576.2M	—
FY2023 (FY)	2023-12-31	$614.5M	$22.3M	$68.8M	$68.8M	—	—

3. PAY Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is PAY stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Paymentus Holdings Inc. (Class A) (NYSE: PAY) is rated B+ (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 79/100 at a spot price of $32.26 (+2.02% 1D, market cap $4.06B). Pillar breakdown: Fundamental Cash Engine 19/20, Institutional 13F & Options Flow 12/20, Executive Insider Alignment 18/20, FRED Macro Regime Fit 15/20, and SEC Balance-Sheet Forensics 15/20. Across 1011 tracked Consumer Discretionary issuers, PAY ranks #39 in composite RQD confidence.

How does PAY compare to DLO and BFH in the Consumer Discretionary sector?

Within the Consumer Discretionary sector (Business Services), PAY carries a Roarable B+ (79/100 RQD), trailing P/E of 60.7x, gross margin of 24.8%, and ROIC of 24.9%. By comparison, DLO (DLocal Limited (Class A)) holds a D grade (50/100 RQD, P/E N/A, ROIC —, cap $4.03B) and BFH (Bread Financial Holdings Inc.) posts a C- grade (61/100 RQD, P/E 7.7x, ROIC 6.4%, cap $4.01B). Among the 5-stock peer group, BFH leads on earnings multiple (7.7x) while PAY leads on capital efficiency (24.9% ROIC).

What are the biggest fundamental strengths and SEC risk factors for PAY?

Per PAY's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001841156), Paymentus Holdings Inc. (Class A) generated $1.20B in revenue (+37.3% YoY), $66.9M in net income, and $161.8M in free cash flow against $667.9M in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (25% profit margin)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Priced at 61x earnings—high expectations leave less room for a lukewarm quarter.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is PAY trading relative to its 50-day, 200-day, and 52-week technical levels?

PAY last traded at $32.26 (+2.02% on volume of 623,236 shares), positioning the stock -4.39% below its 50-day simple moving average ($33.74) and +12.05% above its 200-day simple moving average ($28.79). Across its 52-week range of $20.11 to $45.31, PAY sits at the 48.2% percentile with a 14-day RSI of 51.6 (NEUTRAL RANGE) and an implied next-earnings move of ±7.5% ($29.84 to $34.68).

PAY Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell PAY stock right now?

Paymentus Holdings Inc. (Class A) (PAY) currently earns a Roarable Rating of B+ (Buy — BUY) with 79/100 RQD Confidence. High-quality cash engine (25% profit margin, 25% return on capital) with steady institutional support.

What is PAY's 12-month price target and RQD AI Jury consensus?

PAY's 12-month base price target is $35.31 (range $26.45 to $47.58), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: PAY RQD Cockpit PAY 12M Forecast PAY Earnings & Move PAY Dividends & DRIP PAY Insiders & 13F PAY Whale Options PAY Profit Sankey PAY News & Why