Paymentus Holdings, Inc. Altman Z-Score
PAY / Industrials|Modified Z-Score (book value) based on FY2025 data
Paymentus Holdings, Inc.'s Altman Z-Score of 4.90 places the company in the "safe zone" (above 2.9). Historically, companies in this range have had lower rates of financial distress (FY2025). Z-Score is calculated from 5 financial ratios derived from Paymentus Holdings, Inc.'s SEC 10-K filing, evaluated in the context of the Industrials sector.
Based on SEC 10-K filings.
Key Data Points
- Altman Z-Score 4.90 (safe zone, above 2.9 threshold)
- High earnings quality (cash-backed earnings)
Data sourced from SEC EDGAR filings. Not investment advice.
Safe Zone (> 2.9)
Safe zone - low probability of financial distress
The Altman Z-Score predicts bankruptcy risk using 5 financial ratios. Learn more
Profit margin ranks in the above average of Industrials companies
Components: book value of equity, working capital, retained earnings, EBIT, and revenue-to-assets — all derived from SEC FY2025 10-K filings.
5-Factor Decomposition
| Component | Ratio | Weight | Contribution |
|---|---|---|---|
| Working Capital / Total Assets | 0.513 | 0.717 | 0.368 |
| Retained Earnings / Total Assets | 0.244 | 0.847 | 0.207 |
| EBIT / Total Assets | 0.113 | 3.107 | 0.351 |
| Book Equity / Total Liabilities | 5.213 | 0.420 | 2.190 |
| Revenue / Total Assets | 1.791 | 0.998 | 1.788 |
| Total Z-Score | 4.90 | ||
As of FY2025 · SEC 10-K · Updated Jun 30, 2026
Z-Score Zones
Safe Zone - Company is in strong financial health with low bankruptcy risk.
Grey Zone - Uncertain financial position. Requires closer monitoring.
Distress Zone - Elevated probability of financial difficulties.