PAY vs UNFI

Comparison between Paymentus Holdings Inc - Class A (PAY, Company) and United Natural Foods Inc (UNFI, Company).

PAY is from the Technology sector, while UNFI is from the Consumer Defensive sector.

5-Year PerformanceUNFI has outperformed PAY, delivering a return of +7.1% compared to -4.1%

PAY vs UNFI - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	PAY(COMPANY)	UNFI(COMPANY)
Market Cap	$3.07B	$3.06B
Max Drawdown	80.78%	93.50%
Sharpe Ratio	-0.78	1.25
5Y Beta	1.15	0.93
Industry	Software - Infrastructure	Food Distribution
P/E Ratio	45.59	-39.12
Forward P/E	N/A	19.01
PEG Ratio	0.58	1.09
Debt to Equity	0.00%	110.64%
Free Cash Flow Yield	4.62%	12.86%
P/S Ratio	2.40	0.10
P/B Ratio	5.27	2.05

Market Cap

Winner

PAY

$3.07B

UNFI

$3.06B

Max Drawdown

Winner

PAY

80.78%

UNFI

93.50%

Sharpe Ratio

PAY

-0.78

Winner

UNFI

1.25

5Y Beta

PAY

1.15

Winner

UNFI

0.93

Industry

PAY

Software - Infrastructure

UNFI

Food Distribution

P/E Ratio

PAY

45.59

Winner

UNFI

-39.12

Forward P/E

PAY

N/A

UNFI

19.01

PEG Ratio

Winner

PAY

0.58

UNFI

1.09

Debt to Equity

Winner

PAY

0.00%

UNFI

110.64%

Free Cash Flow Yield

PAY

4.62%

Winner

UNFI

12.86%

P/S Ratio

PAY

2.40

Winner

UNFI

0.10

P/B Ratio

PAY

5.27

Winner

UNFI

2.05

PAY vs UNFI - Historical Returns

Returns include dividend reinvestment.

Period	PAY	UNFI
1 month	-16.14%	+3.60%
3 months	-6.34%	+27.36%
6 months	-32.00%	+32.47%
1 year	-37.90%	+63.66%
5 years(CAGR)	-4.06%	+7.09%
10 years(CAGR)	N/A	+3.31%
Max(CAGR)	-4.06%	+9.59%

PAY

-16.14%

Winner

UNFI

+3.60%

PAY

-6.34%

Winner

UNFI

+27.36%

PAY

-32.00%

Winner

UNFI

+32.47%

PAY

-37.90%

Winner

UNFI

+63.66%

5Y(CAGR)

PAY

-4.06%

Winner

UNFI

+7.09%

10Y(CAGR)

PAY

N/A

UNFI

+3.31%

Max(CAGR)

PAY

-4.06%

Winner

UNFI

+9.59%

PAY vs UNFI - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	PAY	UNFI
2026	-18.32%	+49.16%
2025	-3.22%	+22.04%
2024	+86.58%	+65.02%
2023	+118.46%	-57.66%
2022	-76.46%	-21.08%
2021	+22.26%	+190.76%
2020	N/A	+78.44%
2019	N/A	-19.78%
2018	N/A	-78.66%
2017	N/A	+2.99%
2016	N/A	+23.31%
2015	N/A	-48.09%
2014	N/A	+3.46%
2013	N/A	+37.40%
2012	N/A	+33.37%
2011	N/A	+9.17%
2010	N/A	+34.85%
2009	N/A	+47.00%
2008	N/A	-41.13%
2007	N/A	-11.64%
2006	N/A	+36.99%
2005	N/A	-13.33%
2004	N/A	+80.13%
2003	N/A	+45.03%
2002	N/A	+5.19%
2001	N/A	+42.37%
2000	N/A	+50.04%
1999	N/A	+37.14%

PAY vs UNFI Drawdown Comparison

The maximum drawdown for PAY was -80.78%, occurring on Dec 28, 2022. Recovery took 851 trading sessions.

The maximum drawdown for UNFI was -93.50%, occurring on Mar 12, 2020. This drawdown has not yet recovered.

The current PAY drawdown is -41.63%. The current UNFI drawdown is -40.32%.

Rank	PAY	UNFI
#1	-80.78% Jul 6, 2021 - Nov 20, 2024	-93.50% Feb 26, 2015 - Mar 12, 2020
#2	-42.02% May 19, 2025 - Feb 13, 2026	-65.92% Nov 15, 2006 - Nov 24, 2010
#3	-37.08% Dec 2, 2024 - May 15, 2025	-41.64% Jan 19, 2001 - Jun 26, 2001
#4	-17.01% Jun 2, 2021 - Jun 23, 2021	-40.12% Apr 10, 2002 - Dec 2, 2002
#5	-3.72% Jun 24, 2021 - Jul 6, 2021	-37.66% May 11, 2000 - Dec 5, 2000
#6	-2.13% May 26, 2021 - May 28, 2021	-34.78% Jun 17, 2004 - Dec 2, 2004
#7	-0.74% Nov 26, 2024 - Dec 2, 2024	-32.48% Jan 20, 2000 - Mar 22, 2000
#8	-0.33% Nov 20, 2024 - Nov 22, 2024	-30.00% Aug 3, 2001 - Dec 7, 2001
#9	N/A	-29.13% Sep 29, 2005 - Nov 10, 2006
#10	N/A	-28.27% Apr 6, 2011 - Feb 2, 2012
#11	N/A	-26.14% Nov 9, 1999 - Dec 27, 1999
#12	N/A	-23.83% Feb 14, 2005 - Sep 16, 2005
#13	N/A	-23.54% Dec 24, 2013 - Dec 4, 2014
#14	N/A	-21.49% Dec 2, 2002 - Apr 2, 2003
#15	N/A	-21.06% Sep 24, 2012 - Aug 5, 2013