Stock Ratings / Consumer Discretionary / PAY / earnings

DLO (50) BFH (61) MMS (76) RELY (64) ⌘ Pro Terminal →

Paymentus Holdings Inc. (Class A) (PAY) Next Earnings Date & Expected ±7.5% Move

$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

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on PAY Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is PAY stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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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.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does PAY compare to DLO and BFH in the Consumer Discretionary sector?

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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).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for PAY?

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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.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

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 →

NEXT EST. WINDOW: Dec 30, 2026 (~58 DAYS)

Historical OHLCV Volatility ±7.5% Swing Band

±$2.42 Expected Swing

MODEL EARNINGS SETUP GAUGE

PAY Quantitative Pre-Earnings Setup: 79/100

Trailing EPS: $0.53 • YoY Revenue Growth: 37.3%

Model Bullish Setup (79/100)Model Risk Weight (21/100)

Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).

LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

Period	Filed	Revenue	Net Profit	Free Cash Flow	Gross Margin
FY 2025	2025-12-31	$1.20B	$66.9M	$161.8M	24.8%
FY 2024	2024-12-31	$871.7M	$44.2M	$63.2M	27.3%
FY 2023	2023-12-31	$614.5M	$22.3M	$68.8M	24.8%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating PAY & AI Leaders Without Chasing Tops

✓Institutional whale strikes & implied earnings move audit on PAY
✓How disciplined traders manage risk using pre-published trigger & invalidation levels
✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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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?

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

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

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).