Is PAYC a buy or sell right now?

Innellis AI committee rates Paycom Software, Inc. Watch with a composite score of 53/100.

Do analysts agree on PAYC?

5 AI analysts evaluated Paycom Software, Inc., with 40 percent agreement on the overall direction.

What is the near-term upside for PAYC?

Based on nearby resistance levels, Paycom Software, Inc. has a near-term technical upside of +7.3 percent. This is a support/resistance measure, not a price target.

PAYC · NYSE · STOCK

Paycom Software (PAYC) Stock Analysis

Technology Updated September 06, 2026

$231.63

52W $104.90 – $244.98

AI Score

53/100

Market Cap

$10.44B

P/E Ratio

24.6

Beta

0.79

Is PAYC Bullish or Bearish?

Mixed. Innellis AI committee rates Paycom Software, Inc. (PAYC) Watch with a composite score of 53/100 , based on 5 analysts with 40% agreement. Last updated September 06, 2026.

What Would Change This View

Upgrade to Buy: Requires a committee score of 60.0 — +7.39 from today. Applies on the first day at or above the line; upgrades are never dampened.
Downgrade to Reduce: Requires the score to fall below 40.0 — -12.61 from today. The band boundary is 45.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.

Executive Summary

The committee is genuinely divided. Macro Analyst sees a compelling case — vix regime is low -- calm backdrop supports risk-taking. Growth Analyst remains cautious — growth rate is decelerating quarter over quarter -- the trend line matters more than the level. This disagreement is itself the signal — the setup is not clean in either direction.

Bull & Bear Case

Bull Case

Price structure making higher highs and higher lows — Technical
VIX regime is low -- calm backdrop supports risk-taking — Macro

Bear Case

Growth rate is decelerating quarter over quarter -- the trend line matters more than the level — Growth
MACD histogram negative -- bearish momentum — Technical
Daily trend (uptrend) conflicts with the weekly trend (downtrend) -- fighting the larger trend — Technical
Weekly RSI at 83 -- overbought on the larger timeframe too — Technical
Bollinger bandwidth of 17.7% signals elevated volatility — Risk

Both cases are generated from quantitative data signals, not qualitative or forward-looking judgement. They summarise what the numbers say today.

Price History (6M)

AI Investment Committee

Committee Consensus As of September 06, 2026

Overall Committee Score

53/100

Agreement

40%

Analysts

Conviction

Contested

Sector Rank

Top 94%

of 287 Technology peers

Growth Analyst bearish

35 / 100 · Low confidence

Growth story is weak, decelerating, or inconsistent

− Growth rate is decelerating quarter over quarter -- the trend line matters more than the level

Technical Analyst neutral

51 / 100 · High confidence

Mixed or range-bound price action

+ Price structure making higher highs and higher lows

− MACD histogram negative -- bearish momentum

Risk Analyst bearish

35 / 100 · Low confidence

Elevated risk from leverage, volatility, event exposure, or portfolio concentration -- size accordingly

− Bollinger bandwidth of 17.7% signals elevated volatility

Macro Analyst bullish

80 / 100 · Low confidence

Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor

+ VIX regime is low -- calm backdrop supports risk-taking

News Analyst bullish

62 / 100 · Low confidence

News flow and recent filings/analyst actions are net positive

Portfolio Manager neutral

45 / 100 · High confidence

Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position

+ Portfolio position concentration is currently healthy

− Sector concentration is already high (HHI 2704.43)

Open Full Terminal →

Investment Thesis Evolution

Committee score weakened from 60.4 to 52.6.

Recommendation changed from Buy to Watch.
Conviction changed from moderate to contested.
Committee agreement fell sharply from 67% to 40%.
Bullish support removed: 3 signal(s) disappeared.
Bearish pressure eased: 1 signal(s) disappeared.
Analyst(s) changed stance: Growth Analyst, Risk Analyst.
Analyst(s) abstained: Value Analyst.

Analyst-level changes:

Growth Analyst: stance neutral->bearish; score 53->35 (-18).
Risk Analyst: stance neutral->bearish; score 58->35 (-22).
Value Analyst abstained (was neutral at 59).

Comparing 2026-09-05 to 2026-09-06 (1 day apart).

Technical Analysis

RSI (14)

54.0

Neutral

MACD Histogram

-2.052

Bearish Momentum

Trend Direction

Uptrend

Weekly: Downtrend

Market Structure

Mixed

Support

$213.78

Resistance

$248.47

Bollinger %B

0.61

Inside Bands

Price vs Moving Averages

EMA 9

$234.08 Below

EMA 21

$221.64 Above

EMA 50

$193.81 Above

EMA 200

$166.07 Above

Fundamental Analysis

Valuation

Growth

Profitability

Financial Health

Cash Flow

Valuation

P/E Ratio 24.6×

P/B Ratio 18.57×

PEG Ratio 0.91

Dividend Yield 0.65%

52W High $244.98

52W Low $104.90

Quality & Growth

ROE 2618.5%

ROA 596.7%

Gross Margin 8011.4%

Operating Margin 3029.8%

Revenue Growth YoY —

Debt / Equity 1.72

AI Fundamental Assessment

P/E ratio of 24.6 (inexpensive relative to a 15-40x range); Price-to-book of 18.6x; PEG ratio of 0.9 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 26.2%; Return on assets of 6.0%; Net margin of 22.8%; Gross margin of 80.1%; Current ratio of 1.07 (tight short-term liquidity); Debt-to-equity of 1.72; Free cash flow per share is positive (16.47); Most recent quarter beat estimates by 14.7%; 2 consecutive earnings beats; EPS growth decelerating (+28.6% -> -11.7% QoQ); Analyst estimates falling over recent quarters

Get the Full PAYC Analysis

Interactive charts · Live committee votes · Trade plan · Paper trading · AI Q&A

Open in Terminal →