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PCTYPaylocity Holding CorporationHold6.1·$104.31-2.45%
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Paylocity Holding Corporation (PCTY) Stock Analysis

HoldModerate Confidence

Technology · Software - Application

Hold if already holding. Not a fresh buy at $104.31, but acceptable to hold if already in. Reasons: Negative momentum; Below 200-MA, MA slope -7.4%/30d (confirmed downtrend).

Paylocity provides cloud-based HCM, payroll, and spend management software to approximately 41,650 U.S. clients as of June 30, 2025, serving organizations that on average have over 150 employees. Revenue of $1,595.2 million in fiscal 2025 comes from SaaS subscriptions priced by... Read more

$104.31+33.4% A.UpsideScore 6.1/10#22 of 98 Software - Application
QualityF-score8 / 9FCF yield6.42%
Stop $100.61Target $139.12(analyst − 10%)A.R:R 3.5:1
Analyst target$154.58+48.2%19 analysts
$139.12our TP
$104.31price
$154.58mean
$250

Hold if already holding. Not a fresh buy at $104.31, but acceptable to hold if already in. Reasons: Negative momentum; Below 200-MA, MA slope -7.4%/30d (confirmed downtrend). Chart setup: No clear chart pattern; technical signals are mixed. Maintain position. Not compelling to add more. Score 6.1/10, moderate confidence.

Passes 7/9 gates (favorable risk/reward ratio, clean insider activity, no SEC red flags, news events none recent, earnings proximity 49d clear, semi cycle peak clear, materials cycle peak clear). Fails on weak momentum and death cross (50MA < 200MA). Suitability: moderate.

10-K grounded · weekly refresh

About Paylocity Holding Corporation

About Paylocity Holding Corporation

Paylocity Holding Corporation generated $1,595.2 million in fiscal 2025 revenue, a 14% increase over $1,402.5 million in fiscal 2024, serving approximately 41,650 U.S. clients with an average of over 150 employees per client as of June 30, 2025. All clients are domestically based, and the company estimates its target addressable market at about 1.3 million U.S. businesses employing approximately 73 million people. Annual revenue retention exceeded 92% in each of fiscal years 2023, 2024, and 2025.

Paylocity earns revenue through SaaS subscriptions priced based on the solutions purchased, the number of client employees, and the timing of services rendered. The product suite spans Payroll and Tax Services, Human Resources, Time and Attendance, Talent management (Recruiting, Onboarding, and Performance), Benefits administration, and a finance module covering Expense Management, AP Automation, and Corporate Cards. More than 25% of new client revenue in fiscal 2025 originated from a referral network of 401(k) advisors, benefits administrators, insurance brokers, and third-party administrators. The HCM and payroll market is highly competitive; the 10-K names Automatic Data Processing, Dayforce, Paychex, Paycom Software, and Ultimate Kronos Group as primary competitors, noting that several have greater name recognition and significantly greater resources. No single client accounted for more than 1% of revenues in any of the three fiscal years ended June 30, 2025.

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Paylocity's competitive risk profile includes both larger incumbents and potential AI-native entrants. The 10-K specifically warns that if current competitors are acquired by parties with greater resources, those acquirers may sustain price competition — including price concessions and delayed payment terms — that Paylocity cannot match. Separately, if new AI or machine learning technologies allow competitors to deliver HCM solutions at lower prices or more conveniently, the company's market position may be weakened. The non-deterministic nature of generative AI outputs is cited as a reliability risk: if AI features fail or produce inaccurate results, client dissatisfaction and reputational damage could follow.

See also: Technology · Software - Application

From Paylocity Holding Corporation's most recent 10-K filing, extracted June 11, 2026.

TrendMatrix Research · upcoming catalyst calendar

Upcoming dated catalysts

Tue, Aug 4, 202649d to earnings· next earnings call

Thesis

Rewards
Strong earnings beat streak (4/4)
High-quality business
Attractive valuation
Risks
Negative momentum
Below 200-MA, MA slope -7.4%/30d (confirmed downtrend)

Key Metrics

P/E (TTM)23.2
P/E (Fwd)12.3
Mkt Cap$5.7B
EV/EBITDA13.6
Profit Mgn14.9%
ROE21.6%
Rev Growth10.5%
Beta0.51
DividendNone
Rating analysts27

Quality Signals

Piotroski F8/9MoatWideCompounder

Options Flow

P/C0.94neutral
IV62%elevated
Max Pain$55-47.3% vs spot

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.

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About TrendMatrix. TrendMatrix is a publisher of general securities research and market commentary. We publish on a regular schedule. All content is the same for every subscriber in a tier — we do not provide personalized investment advice and we do not take into account any individual subscriber's financial situation, investment objectives, risk tolerance, tax situation, or holdings.

Not investment advice. TrendMatrix is not a registered investment adviser. Our content is for informational and educational purposes only. Consult your own licensed investment adviser, broker, or tax professional before making any investment decision.

Conflicts and positions. The TrendMatrix editorial team frequently holds personal long-term positions in securities discussed. We disclose positions held at the time of publication on each piece. We maintain a trading-window policy: we do not initiate or close positions in the same direction as a TrendMatrix publication within 24 hours before or 72 hours after publication.

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Performance. Past performance is not indicative of future results. Performance figures reflect the published model only and do not reflect any individual subscriber's actual results.

Methodology · Editorial policy & full disclaimer

Rating Breakdown

2 floor-breakers

Price action weak — below key moving averages, no momentum carry. Needs a base before trend-continuation setups apply.static

Macd
0.0
Obv
1.0
Ma Position
1.0
Volume
3.5
Rsi
4.5
Volume distribution (falling OBV)Below 200-MA, MA slope -7.4%/30d — confirmed downtrend

Ranks in the bottom of its industry peers on the composite signal. Better names in the same sector exist.static

Growth Rank
3.0
Value Rank
5.3
Quality Rank
6.9
GatesMomentum 2.0<4.5Death cross (50MA < 200MA)A.R:R 3.5 ≥ 1.5Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 49d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARSuitability: Moderate
RSI
44 · Neutral
20D MA 50D MA 200D MADEATH CROSSSupport $103.72Resistance $123.36

Price Targets

$101
$139
A.Upside+33.4%
A.R:R3.5:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeSteady

Risk Alerts

! momentum at 2.0 (below the engine's 4.5 threshold)
! Death cross — 50-day MA below 200-day MA

Earnings

B
B
B
B
4/4 beats
Next Earnings2026-08-04 (49d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is PCTY stock a buy right now?

Hold if already holding. Not a fresh buy at $104.31, but acceptable to hold if already in. Reasons: Negative momentum; Below 200-MA, MA slope -7.4%/30d (confirmed downtrend). Chart setup: No clear chart pattern; technical signals are mixed. Maintain position. Not compelling to add more. Target $139.12 (+33.4%), stop $100.61 (−3.7%), A.R:R 3.5:1. Score 6.1/10, moderate confidence.

What is the PCTY stock price target?

Take-profit target: $139.12 (+33.4% upside). Target $139.12 (+33.4%), stop $100.61 (−3.7%), A.R:R 3.5:1. Stop-loss: $100.61.

What are the risks of investing in PCTY?

Negative momentum; Below 200-MA, MA slope -7.4%/30d (confirmed downtrend).

Is PCTY overvalued or undervalued?

Paylocity Holding Corporation trades at a P/E of 23.2 (forward 12.3). TrendMatrix value score: 7.5/10. Verdict: Hold.

What do analysts say about PCTY?

27 analysts cover PCTY with a consensus score of 4.3/5. Average price target: $155.

What does Paylocity Holding Corporation do?Paylocity provides cloud-based HCM, payroll, and spend management software to approximately 41,650 U.S. clients as of...

Paylocity provides cloud-based HCM, payroll, and spend management software to approximately 41,650 U.S. clients as of June 30, 2025, serving organizations that on average have over 150 employees. Revenue of $1,595.2 million in fiscal 2025 comes from SaaS subscriptions priced by the number of solutions purchased and client employee count, with more than 25% of new client revenue generated by referrals.

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