BILL vs PAY
BILL: An AI-powered financial operations platform that streamlines accounts payable, receivables, and expense management for small and medium-sized businesses. PAY: Paymentus provides a cloud-based, omni-channel payment platform that enables organizations to streamline their billing and payment processes.
Side-by-side fundamentals
| Metric | BILL | PAY | Edge |
|---|---|---|---|
| Price as of 2026-07-22 close | $41.89 | $29.05 | |
| Market cap as of 2026-07-23 | $4.2B | $3.7B | |
| P/E as of 2026-07-23 | 25439.67 | 49.38 | PAY lower |
| PEG as of 2026-07-23 | n/a | 1.16 | |
| Net margin as of 2026-07-23 | +0.0% | +5.8% | PAY higher |
| Gross margin as of 2026-07-23 | +80.7% | +24.7% | BILL higher |
| Operating margin as of 2026-07-23 | -3.8% | +6.8% | PAY higher |
| ROE as of 2026-07-23 | +0.0% | +13.5% | PAY higher |
| ROA as of 2026-07-23 | +0.0% | +11.3% | PAY higher |
| Debt / equity as of 2026-07-23 | 0.48 | 0.00 | PAY lower |
| Revenue growth (YoY) as of 2026-07-23 | +12.5% | +33.0% | PAY higher |
| Revenue CAGR (3y) SEC XBRL | +31.6% | +34.0% | PAY higher |
| Beta as of 2026-07-23 | 1.09 | 1.36 | |
| 1-year return as of 2026-07-22 close | -2.3% | +0.9% | PAY higher |
Fundamentals: Finnhub, as of 2026-07-23. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-22.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date; "Edge" cells are a pure numeric comparison, not a recommendation.