What Is Paycom Software, Inc. (PAYC) Worth in 2026?
According to the CirclFi Deep Alpha Valuation Engine, Paycom Software, Inc.'s intrinsic value is estimated at $91.04, suggesting the stock is overvalued at its current price of $144.73. With 10 out of 13 models flagging downside (-37.1% average return), the market may be pricing in unsustainable growth. Notably, Regime Cross sees the most upside at +57.0% (fair value: $227.28), while Markov DDM is the most conservative at -90.3% ($14.01). The spread between these extremes — +147.4% — reveals how different analytical frameworks can reach starkly different conclusions. Among models with highest confidence, EPV lean bearish — adding weight to the bearish side of the thesis.
What Do the Models Say About PAYC?
13 of 13 models are currently active for PAYC. Of these, 3 models suggest upside while 10 models suggest overvaluation. The Bayesian DCF estimates PAYC's intrinsic value at $34.48, implying -76.2% downside from the current price. See which stocks rank higher →
How Does PAYC Rank in Services-Prepackaged Software?
Among 205 Services-Prepackaged Software stocks, PAYC ranks #172 by Quality of Company score. CirclFi's QOC score of 4.3/10 evaluates 32 fundamental signals. A score of 4.3 reflects mixed fundamentals.
See all Most Undervalued Services-Prepackaged Software Stocks →
As a software business, Paycom Software, Inc. operates in a sector where rule of 40 score is a critical driver of valuation. Investors evaluating PAYC should weigh these sector-specific dynamics alongside our model-derived fair values.
Is PAYC a Value Trap?
CirclFi's Value Trap algorithm assigns PAYC a score of 12/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →
Multi-Model Methodology
13 of 13 models are active for Paycom Software, Inc.. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →
According to the CirclFi 32-factor quality framework, Paycom Software, Inc.'s fundamental quality profile registers 4.3/10. This mixed score captures the company's profitability depth, growth consistency, balance sheet resilience, and shareholder return track record.
The gap between the most bullish and bearish model spans +147.4% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →
Data Sources & Confidence
Every PAYC valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →
Across PAYC's 13 active models, average confidence is 41%. Lower confidence may reflect limited history or high volatility.
CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →
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