PAYC- Paycom Software, Inc.
Technology · Software - Application
Price & Performance
Performance
Analysis & Verdict
Analyst Ratings
BuyWall Street consensus from 16 analysts
12-Month Price Target
$218.25
Based on analyst estimates; price targets are opinions, not guarantees.
Fair Value Estimates
Current price: $222.85
Graham Number
√(22.5 × EPS × Book Value)
$52.88
Benjamin Graham's intrinsic value formula. Assumes a fair stock trades at no more than 22.5× the product of EPS and book value per share.
Bazin Ceiling Price
Avg. Annual DPS (5Y) ÷ 6%
$22.92
Décio Bazin's dividend-based ceiling. The max price you should pay so that dividends alone deliver at least 6% annual yield on your cost basis.
These are simplified estimates. Not financial advice.
Buy & Hold Checklist
Quality criteria for long-term holding
8/10
80% score
Pays dividends
3Y hist.3+ years of dividend history
Dividend consistency (5Y+)
3 yrsUninterrupted dividend payments for at least 5 years
ROE above 10%
41.1%Return on equity - measures how efficiently capital is used
Positive profit margin
22.8%Net profit margin must be positive - company earns more than it spends
Revenue growth (annual)
+9.8%Annual revenue must be growing compared to the prior year
Earnings growth (annual)
+48.1%Annual earnings must be growing compared to the prior year
Debt/Equity below 2×
171.97×Low financial leverage reduces risk of distress
Current ratio above 1
1.07×Short-term assets must cover short-term liabilities
Daily liquidity above $5M
$204M/dayHigh trading volume ensures easy entry and exit
Dividend yield above 0%
0.69%Stock must distribute income to shareholders
Financials
Revenue & Results
Key Statistics
Earnings
Next Earnings
Nov 4, 2026
50
days
EPS (TTM)
$9.46
P/E (TTM)
23.6
Fwd P/E
16.0
SEC Filings & Reported Financials
Earnings History
SEC EDGAR · official filings
SEC Filings
Official EDGAR documents
Insider Transactions
SEC Form 4 · officers, directors & 10% owners
Dividends & Income
Dividends
Current DY
0.69%
5Y Avg Annual
$1.0500
Last Payment
$0.3750
Ex-Date
08/24/2026
Annual dividends paid per share
| Ex-Date | Payment | Amount | Est. DY |
|---|---|---|---|
Latest08/24/2026 | 09/08/2026 | $0.3750 | 0.67% |
05/26/2026 | 06/10/2026 | $0.3750 | 0.67% |
03/09/2026 | 03/24/2026 | $0.3750 | 0.67% |
11/24/2025 | 12/09/2025 | $0.3750 | 0.67% |
08/25/2025 | 09/09/2025 | $0.3750 | 0.67% |
05/27/2025 | 06/11/2025 | $0.3750 | 0.67% |
03/10/2025 | 03/25/2025 | $0.3750 | 0.67% |
11/25/2024 | 12/10/2024 | $0.3750 | 0.67% |
Magic Number
Shares needed to self-fund your next purchase
$222.85
Price
$0.3750
Last div. (quarterly)
595
shares
Own 595 PAYC shares ($132,595.75) and each quarterly dividend pays for 1 new share - the snowball runs on its own.
Investment target
$132,595.75
New shares / year
+4 shares
Dividend Calculator
0.67% yieldEstimate PAYC dividend income at the current rate.
Per year
$67.31
Per month
$5.61
≈ 44.9 shares at $1.5/share a year. Estimate only - dividends can be cut or raised.
Tools & Simulators
PAYC vs Peers, Indexes & Commodities
?Click a card below to plot it on the chart
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Parameters
Final value
$426,404.61
Total invested
$130,000.00
Total interest
$296,404.61
Balance over time
Period breakdown
| Period | Balance | Invested | Interest |
|---|---|---|---|
| Start | $10,000.00 | $10,000.00 | $0.00 |
| Year 1 | $17,270.27 | $16,000.00 | $1,270.27 |
| Year 2 | $25,267.56 | $22,000.00 | $3,267.56 |
| Year 3 | $34,064.59 | $28,000.00 | $6,064.59 |
| Year 4 | $43,741.32 | $34,000.00 | $9,741.32 |
| Year 5 | $54,385.72 | $40,000.00 | $14,385.72 |
| Year 6 | $66,094.55 | $46,000.00 | $20,094.55 |
| Year 7 | $78,974.28 | $52,000.00 | $26,974.28 |
| Year 8 | $93,141.97 | $58,000.00 | $35,141.97 |
| Year 9 | $108,726.44 | $64,000.00 | $44,726.44 |
| Year 10 | $125,869.35 | $70,000.00 | $55,869.35 |
| Year 11 | $144,726.56 | $76,000.00 | $68,726.56 |
| Year 12 | $165,469.48 | $82,000.00 | $83,469.48 |
| Year 13 | $188,286.70 | $88,000.00 | $100,286.70 |
| Year 14 | $213,385.63 | $94,000.00 | $119,385.63 |
| Year 15 | $240,994.47 | $100,000.00 | $140,994.47 |
| Year 16 | $271,364.18 | $106,000.00 | $165,364.18 |
| Year 17 | $304,770.87 | $112,000.00 | $192,770.87 |
| Year 18 | $341,518.22 | $118,000.00 | $223,518.22 |
| Year 19 | $381,940.31 | $124,000.00 | $257,940.31 |
| Year 20 | $426,404.61 | $130,000.00 | $296,404.61 |
What is compound interest?
Compound interest means that the interest you earn in one period is added to your principal, so in the next period you earn interest on a larger base. This creates exponential growth: the longer your time horizon, the more dramatic the effect.
Which rate should I use?
The S&P 500 has historically returned ~10%/year before inflation over long periods - use this for an all-equity US index fund scenario. A balanced growth portfolio (stocks + bonds) is closer to 7%. High-yield savings accounts (HYSA) are currently paying around 4-5% with FDIC insurance and zero market risk. Bonds historically return ~4% annualized.
Formula used
FV = PV × (1+r)^n + PMT × ((1+r)^n − 1) / rwhere r is the monthly rate, n is the number of months, PV is the initial investment, and PMT is the monthly contribution. Annual rates are converted to monthly viar = (1 + annual%)^(1/12) − 1.
For educational purposes only. Not financial advice. Past returns do not guarantee future results.
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About Paycom Software, Inc.
Paycom Software, Inc. provides cloud-based human capital management (HCM) solution delivered as software-as-a-service for small to mid-sized companies in the United States. The company offers functionality and data analytics that businesses need to manage the employment life cycle from recruitment to retirement. The company's HCM solution offers payroll applications comprising better employee transaction interface, payroll and payroll tax management, payroll card, Everyday, Paycom pay, Client Action Center, expense management, garnishment administration, and GL concierge applications; talent acquisition, including applicant tracking, background checks, on-boarding, e-verify, and tax credit services; and talent management applications that include employee self-service, compensation budgeting, performance management, position management, Paycom learning, certification management. The company also offers time and labor management, such as time and attendance, scheduling, time-off requests, and labor allocation solutions. Its HCM solution provides manager on-the-go that gives supervisors and managers the ability to perform a variety of tasks, such as approving time-off requests and expense reimbursements; direct data exchange; ask here, a tool for direct line of communication to ask work-related questions; document and checklist; government and compliance; benefits administration; COBRA administration; personnel action and performance discussion forms; Paycom surveys; retirement reporting; report center; and affordable care act applications, as well as Clue, which securely collects, tracks, and manages the vaccination and testing data of the workforce; and MyCom is a communications tool that provides organizations with a central place to share information with employees. Paycom Software, Inc. was founded in 1998 and is based in Oklahoma City, Oklahoma.
Sector
Technology
Industry
Software - Application
Location
Oklahoma City, United States
Employees
5,770
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Paycom Software, Inc. (PAYC) stock trades at $222.85, up 1.80% on the day. With a market capitalization of $10.04 billion, PAYC is a large-cap technology stock. It trades at a price-to-earnings (P/E) ratio of 23.6, a forward P/E of 16.0 and earnings per share (EPS) of $9.46. Over the most recent period the company reported 10% year-over-year revenue growth and a net profit margin of 22.8%. Below you'll find PAYC's full fundamentals, fair-value estimates, dividend history, earnings and our buy, hold or avoid verdict for 2026.
PAYC - Frequently Asked Questions
Is Paycom Software, Inc. (PAYC) a good stock to buy in 2026?
Paycom Software, Inc. (PAYC) shows strengths such as a strong 23% net margin and a 41% return on equity, while risks include high leverage (debt/equity of 172.0). Whether PAYC is a good buy in 2026 depends on your time horizon and risk tolerance - review the full bull case, bear case and fair-value estimates above. This is informational analysis, not financial advice.
What is PAYC's stock price today?
Paycom Software, Inc. (PAYC) trades at $222.85, up 1.80% on the session. Prices on this page update throughout the trading day.
Does PAYC pay a dividend?
Yes. Paycom Software, Inc. pays an annual dividend of $1.50 per share, a dividend yield of 0.69%. The most recent ex-dividend date was August 24, 2026. Its payout ratio is about 16% of earnings.
Is PAYC overvalued?
With a P/E ratio of 23.6×, PAYC trades at a roughly market-average valuation for the technology sector. Its PEG ratio is 1.16. See the Fair Value Estimates section above for Graham Number and dividend-based price targets.
What is PAYC's market cap?
Paycom Software, Inc. (PAYC) has a market capitalization of $10.04 billion, classifying it as a large-cap stock in the Technology sector.
Disclaimer: This page - including any buy/hold/avoid view, fair value or price estimate - is generated from market data for informational and educational purposes only and does not constitute financial, investment or trading advice. Data may be delayed or inaccurate. Always do your own research and consult a licensed financial advisor before making any investment decision.