ENV vs. PAY

Last updated Jun 9, 2026

ENV (Envestnet, Inc.) and PAY (Paymentus Holdings, Inc.) are both stocks. Both are in the Technology sector — ENV in Software - Application, PAY in Information Technology Services. At a 0.27 correlation, their price movements are largely independent.

Performance

ENV vs. PAY - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Envestnet, Inc. (ENV) and Paymentus Holdings, Inc. (PAY). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

ENV

• 1D: —
• 1M: —
• YTD: —
• 6M: —
• 1Y: —
• 3Y*: —
• 5Y*: —
• 10Y*: —

PAY

• 1D: -1.77%
• 1M: -22.94%
• YTD: -35.01%
• 6M: -41.44%
• 1Y: -43.69%
• 3Y*: 27.05%
• 5Y*: -6.18%
• 10Y*: —

*Multi-year figures are annualized to reflect compound growth (CAGR)

ENV vs. PAY - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021
ENV Envestnet, Inc.	0.00%	0.00%	27.50%	-19.74%	-22.23%	12.78%
PAY Paymentus Holdings, Inc.	-35.01%	-3.31%	82.82%	123.10%	-77.10%	22.26%

Correlation

The correlation between ENV and PAY is 0.27, which is low. Their price movements are largely independent, making them effective diversification partners.

	Correlation
Correlation (3Y) Calculated over the trailing 3-year period	0.15
Correlation (5Y) Calculated over the trailing 5-year period	0.27
Correlation (All Time) Calculated using the full available price history since May 27, 2021	0.27

The correlation between ENV and PAY shifts across timeframes, from 0.15 (3 years) to 0.27 (all time), reflecting how their relationship changes across market environments.

Fundamentals

Total Revenue (TTM) ENV : $1.34B PAY : $1.28B
Gross Profit (TTM) ENV : $911.20M PAY : $316.55M
EBITDA (TTM) ENV : -$92.97M PAY : $121.90M

Return for Risk

ENV vs. PAY — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

PAY

PAY Risk / Return Rank: 6
PAY Sharpe Ratio Rank: 8
PAY Sortino Ratio Rank: 8
PAY Omega Ratio Rank: 9
PAY Calmar Ratio Rank: 5
PAY Martin Ratio Rank: 2

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

ENV vs. PAY - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Envestnet, Inc. (ENV) and Paymentus Holdings, Inc. (PAY). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

Risk / return metrics aren't available yet — we need at least 12 months of trading data to calculate them.

Sharpe Ratios by Period

	ENV	PAY	Difference
Sharpe Ratio (1Y) Calculated over the trailing 1-year period	—	-0.85	—
Sharpe Ratio (5Y) Calculated over the trailing 5-year period	—	-0.10	—
Sharpe Ratio (All Time) Calculated using the full available price history	—	-0.10	—

Drawdowns

Drawdown Indicators

	ENV	PAY	Difference
Max Drawdown Largest peak-to-trough decline	—	-80.78%	—
Max Drawdown (1Y) Largest decline over 1 year	—	-47.26%	—
Max Drawdown (3Y) Largest decline over 3 years	—	-48.47%	—
Max Drawdown (5Y) Largest decline over 5 years	—	-80.78%	—
Current Drawdown Current decline from peak	—	-48.47%	—
Average Drawdown Average peak-to-trough decline	—	-41.67%	—
Ulcer Index Depth and duration of drawdowns from previous peaks	—	25.08%	—

Volatility

Volatility by Period

	ENV	PAY	Difference
Volatility (1M) Calculated over the trailing 1-month period	—	13.40%	—
Volatility (6M) Calculated over the trailing 6-month period	—	32.87%	—
Volatility (1Y) Calculated over the trailing 1-year period	—	51.44%	—
Volatility (5Y) Calculated over the trailing 5-year period, annualized	—	62.36%	—
Volatility (10Y) Calculated over the trailing 10-year period, annualized	—	62.58%	—

Dividends

ENV vs. PAY - Dividend Comparison

Neither ENV nor PAY has paid dividends to shareholders.

Tickers have no history of dividend payments

Financials

Frequently Asked Questions

Can I hold both ENV and PAY in my portfolio?

ENV and PAY have a correlation of 0.27, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.