PAY Stock Analysis: Buy, Sell, or Hold?
PAY - Paymentus Holdings, Inc.
$26.73
-0.75 (-2.73%)
▼
HOLD
LOW Confidence
Last Updated: January 30, 2026
Earnings: Mar 09, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: PAY shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
📊 HOLD: PAY shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$30.96
Based on 10.2% avg growth
INTRINSIC VALUE TODAY
$19.22
Trading above fair value
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 25.0x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: PAY is currently trading at $26.73, which is considered oversold relative to its 30-day fair value range of $28.56 to $31.07. From a valuation perspective, the stock is trading at a discount (Forward PE: 35.9) compared to its historical average (40.3). Remarkably, the market is currently pricing in an annual earnings decline of 3.8% over the next few years. This pessimistic expectation contrasts with the company's recent 27.3% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, PAY is in a downtrend. The price is currently testing key support at $27.02. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: PAY has a weak technical setup (25/100), with bearish trendlines and momentum suggesting caution for short-term entries. In the options market, Implied Volatility is low (0th percentile), suggesting options premiums are relatively cheap. This makes it an attractive time for long options strategies if you have a directional bias. Wall Street analysts see significant upside, with an average price target of $39.43 (+43.5%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, PAY is in a downtrend. The price is currently testing key support at $27.02. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: PAY has a weak technical setup (25/100), with bearish trendlines and momentum suggesting caution for short-term entries. In the options market, Implied Volatility is low (0th percentile), suggesting options premiums are relatively cheap. This makes it an attractive time for long options strategies if you have a directional bias. Wall Street analysts see significant upside, with an average price target of $39.43 (+43.5%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
OVERSOLD
Fair Price Range
$28.56 -
$31.07
Company Quality Score
52/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
65.4%
Protect Your Profits
Holding PAY? Use our AI-powered strategies to protect your downside while keeping your long-term position.
View Profit Protection PlanAll Signals
- BULLISH: Price oversold vs 30-day range
- BULLISH: Options cheap (IV 0th percentile)
- BEARISH: Weak technical setup (25/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 43.5% below Wall St target ($39.43)
- CAUTION: Recommendation downgraded due to -9.6% 5-day decline
Fair Price Analysis
30-Day Fair Range
$28.56 -
$31.07
Current vs Fair Value
OVERSOLD
Expected Move (7 Days)
±$1.66
(6.2%)
Support & Resistance Levels
Support Level
$27.02
Resistance Level
$30.00
Current Trend
Downtrend
Fundamental Context
Forward P/E (Next Year Est.)
35.92
Wall Street Target
$39.43
(+43.5%)
Revenue Growth (YoY)
34.2%
Earnings Growth (YoY)
27.3%
Profit Margin
5.3%
Valuation Discount vs History
-3.8% cheaper
PE vs Historical
35.9 vs 40.3
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-3.8%
(market-implied from PE analysis)
1-Year Target
$26.44
(-4%)
2-Year Target
$25.43
(-8%)
3-Year Target
$24.46
(-11%)
3-Yr Target (if PE normalizes)
(PE: 36→40)
$27.45
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 35.9, Growth: 16.4%)
$43.32
(+58%)
Base:
(SPY PE: 22.3, Growth: 16.4%)
$26.89
(-2%)
Bear:
(PE: 19.0, Growth: 16.4%)
$22.86
(-17%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (65x PE), but valuation improves significantly next year (36x PE) as earnings recover.
Trailing PE: 65.20 | Current EPS (TTM): $0.46
Bull Case
$54.86
(+105%)
Analyst growth 66.3%, PE expands to 71.7
Base Case
$49.87
(+87%)
Market implied 66.3%, PE stable at 65.2
Bear Case
$20.39
(-24%)
Severe decline -20.0%, PE contracts to 55.4
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 35.9 to 40.3
Stabilization Target:
$30.83
(+12.2%)
PE Expansion Potential:
+12.2%
Last updated: January 30, 2026 7:33 PM ET
Data refreshes hourly during market hours. Next update: 8:33 PM
Data refreshes hourly during market hours. Next update: 8:33 PM
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Technical Signals Check
Is PAY showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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Advanced PAY Option Strategies
Professional options setups generated by AI based on today's PAY price and gamma walls.
