Paymentus Holdings, Inc. (PAY) — Cloud & Infrastructure Software. Numbers-first dossier: valuation, distress risk, calibrated signal.

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Bid — × — AskUpdated Nov 10, 2026 · 11:46 AM ETVol 133.6K · 3-mo avg 1.04M

Paymentus Holdings, Inc. (PAY)

PAYPaymentus Holdings, Inc.loading…
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QTick signal
+2net
2 bull / 2 bear factors · balanced
Bull 7 pts·Bear 5 pts30d
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Market context—Sector read · not on fileOKBalance sheet · Safe—Inflation-report days · not on fileOKCalm trading · sharp-drop risk 0/100 · Nov 9
$34.04
near a support level · Nov 9
$34–35
near the top of its usual range, a heavy call-option level, a resistance level and a round-number price · midpoint $34.92 · Nov 9
±$0.04
±0.1% up or down, priced by the options market
Golden cross
50-day average is above the 200-day — an uptrend
In line
95% of similar setups fell 10% or more within 3 months · 1.2× the usual rate · rating eased: at bottom zone (2/6 bottoming checks met)
Golden cross
50-day average is above the 200-day — an uptrend
Trading volume41% below normal0.59× its 20-day average
Past year's range$20.11 – $45.31lowest to highest price
From its peak24.5% belowpeak $45.31, highest since 2021
Gain vs. risk0.22 to 1$0.22 possible gain per $1 at risk
Plan fails below$30.08the setup is broken under this price
Options pressure point$34.00price can drift here near expiry
Momentum (RSI)55.4fires under 35 · fires near $25.94
Accounting warning signs1worth checking — see the list
Price vs. profit31.1× next year46.1× last 12 months
Price vs. its own pastpricier than 7%of the last 5 years · usual P/E 95.3×
Cash it generates2.9%of its market value, per year

Last session traded lighter than its own normal. Over the last 20 sessions, 42% of the volume traded on days the stock closed lower.

Entry strategy · 10 triggers

1 of 5 aligned — not yet
RSI 14
●
55.4
fires under 35 · fires near $25.94
vs 50-day
●
$33.15
above the line · fires near $33.47
Bollinger
●
$30.40
no lower pierce · fires near $29.95
VWAP 20
●
$32.62
above the rolling VWAP · fires near $32.59
Entry level
✓
$34.04
below the model level
Put wall
●
—
not on file
MACD
Context✓
+0.20
histogram above zero · rising
RVolStatic
0.59×
lighter than its own normal
Short int.Static
4.6%
short interest below 20%
ATRStatic
$1.73
14-session average true range
A checklist, not odds on a return: 3 of 5 usable price conditions have to line up. RSI, the 50-day average and the Bollinger band move with the price you set; the 20-day average traded price, the entry level and the busiest put strike stay fixed. MACD, RVol, Short int. and ATR are context only — they never count toward the total.
See the full case→
Next earnings
2027-02-22
in 69 sessions
Next dividend
No indicated yield
no forward dividend on file