Paymentus Holdings [PAY] vs Microsoft [MSFT] Detailed Stock Comparison

Paymentus Holdings Inc.

NYSE
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Microsoft Corp.

NASDAQ
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TLDR: Quick Comparison Summary

Based on 21 vital metrics comparison: Paymentus Holdings Inc. wins in 4 metrics, Microsoft Corp. wins in 16 metrics, with 0 ties. Microsoft Corp. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Paymentus Holdings Inc. Microsoft Corp. Better
P/E Ratio (TTM) 55.75 26.56 Microsoft Corp.
Price-to-Book Ratio 6.50 8.06 Paymentus Holdings Inc.
Debt-to-Equity Ratio 1.22 31.54 Paymentus Holdings Inc.
PEG Ratio 1.23 0.44 Microsoft Corp.
EV/EBITDA 39.98 18.16 Microsoft Corp.
Profit Margin (TTM) 5.59% 39.04% Microsoft Corp.
Operating Margin (TTM) 7.28% 47.09% Microsoft Corp.
EBITDA Margin (TTM) 7.28% 47.09% Microsoft Corp.
Return on Equity 12.80% 34.39% Microsoft Corp.
Return on Assets (TTM) 7.59% 14.86% Microsoft Corp.
Free Cash Flow (TTM) $125.03M $71.61B Microsoft Corp.
Dividend Yield N/A 1.11% N/A
1-Year Return -38.49% -2.20% Microsoft Corp.
Price-to-Sales Ratio (TTM) 3.05 10.32 Paymentus Holdings Inc.
Enterprise Value $3.33B $3,183.47B Microsoft Corp.
EV/Revenue Ratio 2.78 10.42 Paymentus Holdings Inc.
Gross Profit Margin (TTM) 25.42% 68.04% Microsoft Corp.
Revenue per Share (TTM) $10 $41 Microsoft Corp.
Earnings per Share (Diluted) $0.52 $15.97 Microsoft Corp.
Beta (Stock Volatility) 1.44 1.11 Microsoft Corp.
Short % of Float 3.59% 1.09% Microsoft Corp.

Paymentus Holdings Inc. vs Microsoft Corp. Stock Performance Analysis

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PAY
MSFT

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Paymentus Holdings Inc.0.28%-9.36%-26.24%-17.64%-39.41%-25.85%
Microsoft Corp.0.17%3.55%3.32%5.80%-10.55%-9.64%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Paymentus Holdings Inc.-38.49%125.22%-24.18%-22.98%-22.98%-22.98%
Microsoft Corp.-2.20%34.24%79.53%769.36%1,783.06%1,878.21%

Performance & Financial Health Analysis: Paymentus Holdings Inc. vs Microsoft Corp.

MetricPAYMSFT
Market Information
Market Cap i$3.39B$3.09T
Market Cap CategoryMid capMega cap
10 Day Avg. Volume i355,80735,949,722
90 Day Avg. Volume i441,35932,871,754
Last Close$21.17$428.05
52 Week Range$20.74 - $39.38$356.28 - $555.45
% from 52W High-46.24%-22.94%
All-Time High$40.43 (May 12, 2025)$555.45 (Jul 31, 2025)
% from All-Time High-47.64%-22.94%
Growth Metrics
Quarterly Revenue Growth0.28%0.17%
Quarterly Earnings Growth0.57%0.60%
Financial Health
Profit Margin (TTM) i0.06%0.39%
Operating Margin (TTM) i0.07%0.47%
Return on Equity (TTM) i0.13%0.34%
Debt to Equity (MRQ) i1.2231.54
Cash & Liquidity
Book Value per Share (MRQ)$4.46$52.62
Cash per Share (MRQ)$2.55$12.05
Operating Cash Flow (TTM) i$162.13M$160.51B
Levered Free Cash Flow (TTM) i$112.78M$53.64B
Dividends
Last 12-Month Dividend Yield iN/A1.11%
Last 12-Month Dividend iN/A$4.39

Valuation & Enterprise Metrics Analysis: Paymentus Holdings Inc. vs Microsoft Corp.

MetricPAY (Apr 24, 2026)MSFT (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i55.7526.56
Forward P/E i29.0122.44
PEG Ratio i1.230.44
Price to Sales (TTM) i3.0510.32
Price to Book (MRQ) i6.508.06
Market Capitalization
Market Capitalization i$3.39B$3.09T
Enterprise Value i$3.33B$3.18T
Enterprise Value Metrics
Enterprise to Revenue i2.7810.42
Enterprise to EBITDA i39.9818.16
Risk & Other Metrics
Beta i1.441.11
Book Value per Share (MRQ) i$4.46$52.62

Financial Statements Comparison: Paymentus Holdings Inc. vs Microsoft Corp.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricPAY (2025)MSFT (2025)
Revenue/Sales i1.20B281.72B
Cost of Goods Sold i900.17M87.83B
COGS % of Revenue i75.2%31.2%
Gross Profit i296.34M193.89B
Gross Margin i24.8%68.8%
Research & Development i61.47M32.49B
Operating Income (EBIT) i75.54M128.53B
Operating Margin i6.3%45.6%
EBITDA i116.60M160.60B
EBITDA Margin i9.7%57.0%
Pre-Tax Income i85.28M123.63B
Pre-Tax Income % of Revenue i7.1%43.9%
Income Tax i18.34M21.80B
Income Tax % of Revenue i1.5%7.7%
Net Income (Profit) i66.94M101.83B
Profit Margin i5.6%36.1%

Balance Sheet & Liquidity Metrics

MetricPAY (2025)MSFT (2025)
Cash & Equivalents i320.91M30.24B
Total Current Assets i441.33M191.13B
Total Current Assets % of Revenue i36.9%67.8%
Total Current Liabilities i98.85M141.22B
Total Current Liabilities % of Revenue i8.3%50.1%
Long-Term Debt i4.56M57.59B
Long-Term Debt % of Revenue i0.4%20.4%
Total Shareholders Equity i560.39M343.48B
Retained Earnings i162.85M237.73B
Retained Earnings % of Revenue i13.6%84.4%
Property, Plant & Equipment i6.38M24.82B

Cash Flow Statement Comparison

MetricPAY (2025)MSFT (2025)
Operating Cash Flow i166.59M135.55B
Operating Cash Flow % of Revenue i13.9%48.1%
Capital Expenditures i-361,000-64.55B
Free Cash Flow i125.03M71.61B
FCF Margin i10.4%25.4%
Debt Repayment i0-3.22B
Common Stock Repurchase iN/A-18.42B

Short Interest & Institutional Ownership Analysis

MetricPAYMSFT
Shares Short i1.96M80.99M
Short Ratio i3.422.51
Short % of Float i3.59%1.09%
Shares Outstanding i125.58M7.43B
Float Shares i57.95M7.41B
% Held by Insiders i3.41%0.08%
% Held by Institutions i90.42%76.12%
% Held by Public i6.17%23.80%

Dividend Analysis & Yield Comparison: Paymentus Holdings Inc. vs Microsoft Corp.

MetricPAYMSFT
Last 12-Month Dividend iN/A$4.39
Last 12-Month Dividend Yield iN/A1.11%
3-Year Avg Annual Dividend iN/A$3.47
3-Year Avg Dividend Yield iN/A0.20%
3-Year Total Dividends iN/A$10.41
Ex-Dividend DateN/AMay 21, 2026