Paymentus Holdings [PAY] vs Microsoft [MSFT] Detailed Stock Comparison
Paymentus Holdings
NYSE
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Microsoft
NASDAQ
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TLDR: Quick Comparison Summary
Based on 20 vital metrics comparison: Paymentus Holdings wins in 5 metrics, Microsoft wins in 14 metrics, with 0 ties. Microsoft appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Paymentus Holdings | Microsoft | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 72.42 | 39.67 | Microsoft |
| Price-to-Book Ratio | 7.24 | 11.86 | Paymentus Holdings |
| Debt-to-Equity Ratio | 1.58 | 32.63 | Paymentus Holdings |
| PEG Ratio | 57.94 | 34.36 | Microsoft |
| EV/EBITDA | 55.11 | 25.77 | Microsoft |
| Profit Margin (TTM) | 5.28% | 35.79% | Microsoft |
| Operating Margin (TTM) | 5.70% | 45.67% | Microsoft |
| EBITDA Margin (TTM) | 5.70% | 45.67% | Microsoft |
| Return on Equity | 10.80% | 33.61% | Microsoft |
| Return on Assets (TTM) | 5.91% | 14.58% | Microsoft |
| Free Cash Flow (TTM) | $27.06M | $74.07B | Microsoft |
| Dividend Yield | N/A | 0.86% | N/A |
| 1-Year Return | 67.13% | 21.70% | Paymentus Holdings |
| Price-to-Sales Ratio (TTM) | 3.77 | 14.14 | Paymentus Holdings |
| Enterprise Value | $3.37B | $3,843.57B | Microsoft |
| EV/Revenue Ratio | 3.51 | 14.24 | Paymentus Holdings |
| Gross Profit Margin (TTM) | 23.99% | 68.72% | Microsoft |
| Revenue per Share (TTM) | $8 | $36 | Microsoft |
| Earnings per Share (Diluted) | $0.40 | $12.95 | Microsoft |
| Beta (Stock Volatility) | 1.57 | 1.03 | Microsoft |
Performance
Key Stats
Valuation
Financials
Short Interest
Dividends
Paymentus Holdings vs Microsoft Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Paymentus Holdings | 3.74% | 2.91% | 30.33% | 1.64% | 36.96% | 18.08% |
| Microsoft | 0.59% | -2.49% | 0.39% | 11.51% | 25.55% | 21.18% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Paymentus Holdings | 67.13% | 225.78% | 26.36% | 26.36% | 26.36% | 26.36% |
| Microsoft | 21.70% | 89.20% | 121.58% | 1,054.63% | 2,019.64% | 1,780.72% |
Performance & Financial Health Analysis: Paymentus Holdings vs Microsoft
| Metric | PAY | MSFT |
|---|---|---|
| Market Information | ||
| Market Cap | $3.63B | $3.82T |
| Market Cap Category | Mid cap | Mega cap |
| 10 Day Avg. Volume | 459,726 | 16,039,860 |
| 90 Day Avg. Volume | 617,845 | 18,638,250 |
| Last Close | $38.54 | $507.23 |
| 52 Week Range | $19.53 - $40.43 | $344.79 - $555.45 |
| % from 52W High | -4.68% | -8.68% |
| All-Time High | $40.43 (May 12, 2025) | $555.45 (Jul 31, 2025) |
| % from All-Time High | -4.67% | -8.68% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.49% | 0.13% |
| Quarterly Earnings Growth | 0.91% | 0.18% |
| Financial Health | ||
| Profit Margin (TTM) | 0.05% | 0.36% |
| Operating Margin (TTM) | 0.06% | 0.46% |
| Return on Equity (TTM) | 0.11% | 0.34% |
| Debt to Equity (MRQ) | 1.58 | 32.63 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $4.00 | $43.30 |
| Cash per Share (MRQ) | $1.97 | $10.71 |
| Operating Cash Flow (TTM) | $103.12M | $130.71B |
| Levered Free Cash Flow (TTM) | $54.13M | $54.82B |
| Dividends | ||
| Last 12-Month Dividend Yield | N/A | 0.86% |
| Last 12-Month Dividend | N/A | $4.07 |
Valuation & Enterprise Metrics Analysis: Paymentus Holdings vs Microsoft
| Metric | PAY | MSFT |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 72.42 | 39.67 |
| Forward P/E | 57.94 | 34.36 |
| PEG Ratio | 57.94 | 34.36 |
| Price to Sales (TTM) | 3.77 | 14.14 |
| Price to Book (MRQ) | 7.24 | 11.86 |
| Market Capitalization | ||
| Market Capitalization | $3.63B | $3.82T |
| Enterprise Value | $3.37B | $3.84T |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 3.51 | 14.24 |
| Enterprise to EBITDA | 55.11 | 25.77 |
| Risk & Other Metrics | ||
| Beta | 1.57 | 1.03 |
| Book Value per Share (MRQ) | $4.00 | $43.30 |
Financial Statements Comparison: Paymentus Holdings vs Microsoft
Financial Metrics
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Revenue
EBITDA
Operating Margin
Free Cash Flow
Long Term Debt
Profit Margin
Current Ratio
Operating Cash Flow
Income Statement (MRQ)
| Metric (MRQ) | PAY | MSFT |
|---|---|---|
| Revenue/Sales | $275.24M | $70.07B |
| Cost of Goods Sold | $209.21M | $21.92B |
| Gross Profit | $66.02M | $48.15B |
| Research & Development | $15.10M | $8.20B |
| Operating Income (EBIT) | $15.69M | $32.00B |
| EBITDA | $26.43M | $40.32B |
| Pre-Tax Income | $17.80M | $31.38B |
| Income Tax | $3.99M | $5.55B |
| Net Income (Profit) | $13.81M | $25.82B |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | PAY | MSFT |
|---|---|---|
| Cash & Equivalents | $245.85M | $28.83B |
| Total Current Assets | $361.51M | $156.64B |
| Total Current Liabilities | $80.98M | $114.21B |
| Long-Term Debt | $5.81M | $57.57B |
| Total Shareholders Equity | $500.40M | $321.89B |
| Retained Earnings | $109.73M | $219.76B |
| Property, Plant & Equipment | $7.33M | $295.49B |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | PAY | MSFT |
|---|---|---|
| Operating Cash Flow | $56.50M | $36.04B |
| Capital Expenditures | $-60,000 | $-16.75B |
| Free Cash Flow | $41.10M | $20.30B |
| Debt Repayment | N/A | $-2.25B |
| Common Stock Repurchase | N/A | $-4.78B |
Short Interest & Institutional Ownership Analysis
| Metric | PAY | MSFT |
|---|---|---|
| Shares Short | 891,367 | 53.79M |
| Short Ratio | 1.24 | 2.76 |
| Short % of Float | 0.03% | 0.01% |
| Average Daily Volume (10 Day) | 459,726 | 16,039,860 |
| Average Daily Volume (90 Day) | 617,845 | 18,638,250 |
| Shares Outstanding | 124.84M | 7.43B |
| Float Shares | 31.22M | 7.42B |
| % Held by Insiders | 0.07% | 0.00% |
| % Held by Institutions | 0.87% | 0.75% |
Dividend Analysis & Yield Comparison: Paymentus Holdings vs Microsoft
| Metric | PAY | MSFT |
|---|---|---|
| Last 12-Month Dividend | N/A | $4.07 |
| Last 12-Month Dividend Yield | N/A | 0.86% |
| 3-Year Avg Annual Dividend | N/A | $3.22 |
| 3-Year Avg Dividend Yield | N/A | 0.21% |
| 3-Year Total Dividends | N/A | $9.66 |
| Ex-Dividend Date | N/A | Aug 21, 2025 |