Paymentus (PAY) vs Tuya (TUYA)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
Paymentus (PAY) has outperformed Tuya (TUYA) over the past year, losing 0.1% versus a loss of 34.1%. Over five years, PAY leads with a +32.8% price change compared with -79.9% for TUYA. Paymentus is the larger company by market cap ($4.00 billion vs $1.05 billion), about 3.8 times the size.
On valuation, Tuya trades at a lower forward P/E (12.7x vs 29.1x for Paymentus). Tuya pays a dividend yielding 3.55%, while Paymentus does not currently pay one.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | PAY | TUYA |
|---|---|---|
| Share price | $31.73 | $1.72 |
| Market cap | $4.00B | $1.05B |
| 1-day change | -0.60% | +1.12% |
| YTD return | +1.04% | -19.43% |
| 1-year return | -0.09% | -34.11% |
| 5-year return | +32.78% | -79.93% |
| P/E ratio (TTM) | 48.08 | 15.63 |
| Forward P/E | 29.08 | 12.73 |
| EPS (TTM) | $0.66 | $0.11 |
| Dividend yield | 0.00% | 3.55% |
| Annual dividend | $0.00 | $0.061 |
| Revenue (latest FY) | $1.20B | — |
| Revenue growth (YoY) | +37.25% | — |
| Net income (latest FY) | $66.94M | — |
| Gross margin | 24.77% | — |
| Operating margin | 6.31% | — |
| Net margin | 5.59% | — |
| 52-week high | $45.31 | $2.64 |
| 52-week low | $20.11 | $1.60 |
| Distance from 52-week high | -29.97% | -34.89% |
| Analyst consensus | buy | none |
| Avg. price target upside | +26.50% | +84.41% |
| Average volume | 1.16M | 624.80K |
| Shares outstanding | 63.11M | 542.98M |
| Employees | 1,340 | 1,453 |
| Sector | Consumer Discretionary | Technology |
| Industry | Business Services | Computer Software: Prepackaged Software |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- Paymentus is about 3.8 times larger than Tuya by market value ($4.00B vs $1.05B).
- PAY has outperformed TUYA by 34.0 percentage points over the past year.
- Paymentus trades at a higher earnings multiple (48.1x vs 15.6x trailing P/E).
- Tuya offers a meaningfully higher dividend yield (3.55% vs 0.00%).
- The two companies sit in different sectors: Paymentus in Consumer Discretionary and Tuya in Technology.
About Paymentus
PAY stock →Paymentus Holdings, Inc. provides cloud-based bill payment technology and solutions in the United States and internationally.
Consumer Discretionary · Business Services · 1,340 employees
About Tuya
TUYA stock →Tuya Inc. provides artificial intelligence (AI) cloud platform services in the People's Republic of China.
Technology · Computer Software: Prepackaged Software · 1,453 employees
PAY vs TUYA FAQ
Which is bigger, Paymentus or Tuya?
Paymentus (PAY) is larger, with a market capitalization of $4.00B compared with $1.05B for Tuya (TUYA).
Which stock has performed better over the past year, PAY or TUYA?
PAY returned -0.09% over the past 12 months, compared with -34.11% for TUYA (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, PAY or TUYA?
TUYA has the lower trailing P/E at 15.6, versus 48.1 for PAY. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, Paymentus or Tuya?
Tuya pays a dividend yielding 3.55%, while Paymentus does not currently pay a regular dividend.
Are Paymentus and Tuya in the same industry?
No. Paymentus is in the Consumer Discretionary sector, while Tuya is in Technology.