PAYCOM SOFTWARE, INC. (PAYC) Stock Analysis
Price: $222.10 · -1.12%
Sector: Technology · Industry: Services-Prepackaged Software
AnalystsHold27 analystsWhat's happening with PAYC
Price History
5-Year Weekly Candlestick Chart
Profile
Strong growth, profitability and earnings quality.
How is each axis scored?
- Valuation64/100 · Moderate
- P/E vs own history (20th pct)20/25
- FCF yield (4.5%)12/25
- P/S (4.8x)20/25
- EV/EBIT (17.8x)12/25
- Growth100/100 · Strong
- Revenue CAGR (25.0%)25/25
- Net income CAGR (33.3%)25/25
- EPS CAGR 5Y (34.6%)25/25
- Fwd implied growth (75.2%)25/25
- Profitability100/100 · Strong
- ROIC (35.1%)25/25
- ROE (57.9%)25/25
- Net margin (22.4%)25/25
- Operating margin (28.3%)25/25
- Financial Health67/100 · Moderate
- Altman Z (2.73)18/25
- Current ratio (1.08)12/25
- Interest coverage (52.5x)25/25
- Net cash / debt (D/A 11%)12/25
- Quality77/100 · Strong
- Piotroski F (5/9)15/25
- Beneish M (-2.40)20/25
- FCF conversion (95%)22/25
- Margin stability (σ 5.5%)20/25
About PAYCOM SOFTWARE, INC.
Paycom is a cloud-based human capital management provider offering payroll, compliance, and human resources management solutions. Show more
The firm's solutions are available on a unified, modular platform, and customers are billed for access on a subscription basis. Paycom's customer base skews toward the midmarket and is primarily based in North America. As of 2025, the firm manages records for 7.4 million employees across more than 20,000 clients on a parent-company-group basis.
Headquarters: OKLAHOMA CITY, OK · Employees: 5,770 · Website ↗
Insider Transactions
Recent SEC Form 4 filings
- SellOpen market sale · filed 2026-08-31-241 sh2026-08-28
- SellOpen market sale · filed 2026-08-31-938 sh2026-08-27
- SellOpen market sale · filed 2026-08-31-1639 sh2026-08-27
- SellGift · filed 2026-08-12-1000 sh2026-08-10
- BuyGrant / award · filed 2026-07-10+1.4K sh2026-07-08
+3 more recent filings
Key Metrics
Financial snapshot — pillar inputs plus per-share and market context
Valuation
64BP/E (TTM)24.2xB
Grade B: FairPrice / TTM EPS (own statements) — vs own 5Y history: 12.4x–187.6x · 20th pct
P/FCF17.6xB
Grade B: FairPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield4.5%C
Grade C: LowTTM FCF / Market Cap — vs own 5Y history: 0.5%–7.7% · 88th pct
P/S (TTM)4.78xB
Grade B: FairPrice / TTM Revenue (own statements) — vs own 5Y history: 2.8x–32.5x · 15th pct
EV/EBIT17.8xB
Grade B: FairEnterprise value / TTM EBIT (D&A not in our data) — capital-structure neutral — vs own 5Y history: 10.7x–144.6x · 17th pct
EV/Sales5.0xC
Grade C: ExpensiveEnterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E13.8xA
Grade A: CheapPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio12.33xD
Grade D: Very expensivePrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio1.36B
Grade B: FairFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield0.77%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio18.7%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
100A+ROIC35.1%A
Grade A: MoatNOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE57.9%A
Grade A: StrongReturn on Equity. Neg. equity = heavy buybacks
ROA8.9%C
Grade C: AverageReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin22.4%A
Grade A: HighNet Income / Revenue
Operating Margin28.3%A
Grade A: HighTTM EBIT / TTM Revenue
Gross Margin83.4%A
Grade A: PremiumGross Profit / Revenue
FCF Margin21.3%A
Grade A: HighFCF / Revenue
True FCF Margin16.0%A
Grade A: HighTTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Financial Health
67BAltman Z-Score2.73C
Grade C: Gray zoneBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio1.08xC
Grade C: OkCurrent Assets/Liabilities
Quick Ratio1.08xA
Grade A: High(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage52.5xA
Grade A: StrongEBIT/Interest. >10 Strong
Debt Repayment1.2yA
Grade A: FastYears to repay net debt via FCF
Net Debt/EBIT0.9xA
Grade A: LowLeverage. <2x Low, >4x High
Debt/Equity0.83xA
Grade A: LowDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt0.23xD
Grade D: ThinCash covers how much of total debt. >1 = could repay all debt from cash
Growth
100A+Revenue CAGR25.0%A
Grade A: HighCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR33.3%A
Grade A: HighCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)34.6%A
Grade A: HighCompound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth75.2%A
Grade A: HighImplied 1Y EPS growth from forward P/E vs our TTM EPS. Sparse — only where forward estimates exist
Dilution (5Y)-12.4%A
Grade A: BuybacksShare count change over 5Y
SBC / Net Income23.5%D
Grade D: HighStock-based comp/Net income. >30% = dilution risk
SBC / Revenue5.3%C
Grade C: MedTTM stock-based comp / TTM Revenue
Quality
77B+Piotroski F-Score5/9C
Grade C: AverageFinancial strength 0–9. >7 Strong
Beneish M-Score-2.40A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion94.9%A
Grade A: StrongFCF / Net Income
Margin Stability5.5%A
Grade A: StableEBIT margin std deviation. Lower = stable
Capex / Revenue12.6%C
Grade C: AverageTTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover0.27xD
Grade D: LowRevenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
More metrics — Per Share, Balance Sheet, MarketHide additional metrics
Per Share
EPS (TTM)$9.18
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$6.75
Cash & short-term investments per share (Finnhub)
Book Value / Share$31.60
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$675.00M
Total debt obligations (short + long term)
Cash & Equiv.$153.90M
Cash and short-term investments
Net Debt$521.10M
Total Debt minus Cash. Negative = Net Cash position
Total Equity$811.70M
Shareholders' equity (book value)
Asset / Liability1.20xC
Grade C: AdequateTotal Assets / Total Liabilities
Market
Market Cap$10.01B
Current Market Capitalization
Beta0.79B
Grade B: DefensivePrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
Takeaway
Paycom exhibits exceptional profitability and solid financial health supported by rapid debt repayment capacity, while its valuation trades near its historical average.
Takes ~1.2 years to repay net debt from free cash flow. · Current P/E of 24.4x sits at the 22nd percentile of its historical range.
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Mar 2026 · Ratio snapshot Sep 23, 2026
Key Insights: PAYCOM SOFTWARE, INC. (PAYC)
PAYC is down 1.12% today. Composite verdict for PAYCOM SOFTWARE, INC.: Paycom exhibits exceptional profitability and solid financial health supported by rapid debt repayment capacity, while its valuation trades near its historical average.. Piotroski F-Score of 5/9 indicates mixed fundamentals for PAYCOM SOFTWARE, INC.. Altman Z-Score of 2.73 falls in the grey zone (1.81–2.99) — financial distress is unlikely but not ruled out. Beneish M-Score of -2.40 suggests a low likelihood of earnings manipulation.
- Revenue has compounded at roughly 25% annually, with net income growing about 33% per year — a strong growth profile.
- PAYCOM SOFTWARE, INC. converts about 21% of revenue into free cash flow — strong cash generation.
- Takes ~1.2 years to repay net debt from free cash flow.
- Return on equity of 57.9% is well above the market average.
See how PAYC ranks on the Capex Tracker — top 50 capital spenders compared.
No significant market moves for PAYC in the last 30 days.
See PAYC move history →Frequently Asked Questions about PAYC
What is the current PAYCOM SOFTWARE, INC. (PAYC) stock price?
PAYC is trading at $222.10 in the regular session, down 1.12% on the session. PreMarketPrice tracks PAYC pre-market, intraday and after-hours prices.
Is PAYC stock a buy right now?
PreMarketPrice's quantitative model rates PAYCOM SOFTWARE, INC.'s financial health at 67/100 — Paycom exhibits exceptional profitability and solid financial health supported by rapid debt repayment capacity, while its valuation trades near its historical average.. This is a data-driven snapshot of fundamentals, not investment advice.
Is PAYC stock overvalued?
PAYCOM SOFTWARE, INC. trades at a trailing P/E of 24.2 and our valuation score rates it 64/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does PAYCOM SOFTWARE, INC. report earnings?
No confirmed earnings date is currently scheduled for PAYC. The Earnings section lists recent reports and updates as dates are announced.
What sector does PAYCOM SOFTWARE, INC. operate in?
PAYCOM SOFTWARE, INC. operates in the Technology sector, within the Services-Prepackaged Software industry. The Related Stocks section lists sector peers for comparison.
What does PAYCOM SOFTWARE, INC. do?
Paycom is a cloud-based human capital management provider offering payroll, compliance, and human resources management solutions.
About PAYCOM SOFTWARE, INC. (PAYC) Stock
PAYCOM SOFTWARE, INC. (PAYC) is a US-listed stock operating in the Technology sector, specifically the Services-Prepackaged Software industry. As of the latest update, PAYCOM SOFTWARE, INC. is trading at $222.10, down 1.12% on the day with a market capitalization of $10.0 billion. The financial health score for PAYC is 67/100, which indicates good financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for PAYC stock.
PAYC Stock Analysis & Key Metrics
On PreMarketPrice, you can track PAYCOM SOFTWARE, INC. (PAYC) across multiple dimensions:
- Pre-market price & movement: Real-time PAYC stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for PAYC with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for PAYCOM SOFTWARE, INC. across multiple reporting periods.
- Financial health score: A composite score of 67/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for PAYC.
- Sector peers: Compare PAYC against 10 other technology stocks on key financial metrics.
Is PAYC a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate PAYCOM SOFTWARE, INC. (PAYC) as an investment. The financial health score of 67/100 suggests good financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.PAYCOM SOFTWARE, INC. (PAYC) trades on NYSE/NASDAQ. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.