Is Paymentus Holdings, Inc. (PAY) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | 0.2% / 30% | 9.9% / 30% | 3.2% / 30% | 0.79% / 5% | ✓ HALAL |
| DJIM | 0.2% / 33% | 9.9% / 33% | 3.2% / 33% | 0.79% / 5% | ✓ HALAL |
| MSCI | 1.0% / 33% | 48.0% / 33% | 15.5% / 33% | 0.79% / 5% | ✗ NOT HALAL |
| S&P | 0.2% / 33% | 9.9% / 33% | 3.2% / 33% | 0.79% / 5% | ✓ HALAL |
| FTSE | 1.0% / 33% | 48.0% / 33% | 15.5% / 50% | 0.79% / 5% | ✗ NOT HALAL |
Financial Highlights
Profitability
| Gross Margin | 24.8% | |
| Operating Margin | 7.3% | |
| Net Margin | 5.6% | |
| Return on Equity (ROE) | 12.8% | |
| Return on Assets (ROA) | 7.6% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $162M |
| Free Cash Flow | $125M |
| Total Debt | $7M |
| Debt-to-Equity | 1.2 |
| Current Ratio | 4.5 |
| Total Assets | $668M |
Price & Trading
| Last Close | $25.16 |
| 50-Day MA | $25.70 |
| 200-Day MA | $30.95 |
| Avg Volume | 764K |
| Beta | 1.5 |
|
52-Week Range
$22.02
| |
About Paymentus Holdings, Inc. (PAY)
Paymentus Holdings, Inc. provides cloud-based bill payment technology and solutions in the United States and internationally. The company offers electronic bill presentment and payment services, enterprise customer communication, and self-service revenue management to billers through a software-as-a-service, secure, and omni channel technology platform. Its platform's payment processing includes credit cards, debit cards, echecks, and digital wallets. The company serves utility, financial services, insurance, telecommunication, real estate management, education, consumer finance, healthcare, and business to business industries, as well as governments and small businesses. Paymentus Holdings, Inc. was founded in 2004 and is headquartered in Charlotte, North Carolina.
Purification Calculator
As a halal stock with 0.79% impermissible income, you need to purify your dividends.
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Frequently Asked Questions
Is Paymentus Holdings, Inc. (PAY) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), Paymentus Holdings, Inc. is Halal. The company passes all financial ratio thresholds for debt, cash, receivables, and impermissible income. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is Paymentus Holdings, Inc.'s debt ratio?
Paymentus Holdings, Inc.'s debt ratio is 0.2% under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%. Under MSCI and FTSE (which use total assets as the denominator), the debt ratio is 1.0%.
Does Paymentus Holdings, Inc. require dividend purification?
Yes, Paymentus Holdings, Inc. has an impermissible income ratio of 0.79%, which means 0.79% of any dividends received should be donated to charity as purification. This is because a small portion of the company's revenue comes from non-Shariah-compliant sources.
What are Paymentus Holdings, Inc.'s key financial metrics?
Paymentus Holdings, Inc. has a market capitalization of $3.1B, trailing P/E ratio of 47.1, and revenue of $1.2B. The company maintains a gross margin of 24.8% and a net margin of 5.6%. Return on equity stands at 12.8%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.