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PAR Technology Corporation (PAR) fair value: what the stock is really worth

As of Nov 9, 2026: fair value (intrinsic value) of PAR Technology Corporation stock $19.74, price $21.81, that is 9.5% below the price, quality 29 out of 100. Rating: overvalued. The value is an estimate: none of our valuation models currently carries, it draws on revenue and assets compared with similar companies. Updated daily.

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Technology US

PT PAR Technology Corporation logo Thin data Nov 10, 2026

PAR Technology Corporation

PAR · US
Expensive, weak quality

Our calculation puts a fair price 9% below what the stock costs today.

Low debt
Revenue last quarter +19% vs. a year ago.
Expensive Growth (revenue 5y +16.3 %/yr in USD)
Insiders bought $397,030 (6M) · sold $549,062
Fair value $19.74 · Overvalued
Quality 29/100
Loss-making · -14.5% net margin (TTM)
Negative free cash flow
Trails peers (3/10)
Narrow moat 1/100
Thin data
Estimate
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$81.14 $11.82 Fair Value $19.74 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 10, 2026.

How to read this chart

60‑month range $11.82 – $81.14 · fair‑value band $14.81 – $24.68 · the $21.81 price screens above the $19.74 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 10, 2026.

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Company profile

PAR Technology Corporation, together with its subsidiaries, provides omnichannel cloud-based software and hardware solutions for the restaurant and retail industries worldwide.

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The company offers Punchh and PAR Ordering products and services for customer loyalty, engagement, and omnichannel digital ordering and delivery; PAR RETAIL, a digital engagement software solution; and PLEXURE, an international customer engagement and loyalty platform under the ENGAGEMENT CLOUD. It also provides PAR POS, a point-of-sale solution; TASK, an enterprise-grade technology solution; PAR OPS, which includes Data Central and Delaget; and PAR PAY, such as PAR payment services, and merchant services under the OPERATOR CLOUD. In addition, the company offers point-of-sale terminals and tablets, wireless headsets, drive-thru systems, kitchen display systems, kiosks, printers, payment devices, and other in-store peripherals.

Further it provides services, such as hardware repair, installation and implementation, training, and on-site and technical support services.

It serves enterprise restaurants, franchisees, and other restaurant outlets and to C-Stores; and other retail customers, including amusement parks, cinemas, cruise lines, spas, casinos, and other ticketing and entertainment venues.

The company was founded in 1968 and is headquartered in New Hartford, New York.

Stock analysis

PAR Technology Corporation (PAR) currently trades at $21.81, while our estimate is $19.74, 9% below the price, so the stock looks overvalued today.

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Valuation

None of our valuation models currently carries for this company, usually because of losses or heavy investment. The estimate draws on revenue and assets compared with similar companies and is less precise than a model-based fair value.

Scenario range: $14.81 (bear) to $24.68 (bull), the price of $21.81 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 29/100 (below-average quality), in the Technology sector.

Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.

PAR Technology Corporation reported revenue of $456M in FY2025 versus $283M in FY2021, a compound +12.7%/yr. Reported net income was −$84.5M in FY2025.

Key figures

Market cap $900M Small · P/S ratio 1.48 · EPS (TTM) $−1.76 · Net margin −14.5% · Return on equity −8.6% · Return on assets (EBIT) −6.8% (5-year average) · Operating margin −5.5% · Revenue (TTM) $497M.

What moves the price

The share trades about 45% below its 52-week high and 85% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Technology peers we cover trades at 9% fair-value upside, at −9%, PAR screens richer than that median.

Fair Value

Bear $14.81 Fair Value $19.74 Bull $24.68
Price $21.81 · Downside -9.5%
Estimate. None of our valuation models currently carries for this company, usually because of losses or heavy investment. The estimate draws on revenue and assets compared with similar companies and is less precise than a model-based fair value.

Quality Score breakdown

Overall quality 29/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 8
How much profit the company makes from its sales and capital
Quality Growth 71
Are margins and returns getting better?
Cashflow 0
Do the profits arrive as real cash?
Financial strength 47
Debt, balance sheet and risk of trouble
Investment 38
Does it invest with discipline instead of growing at any price?
Low Volatility 17
How calm the share price moves, does not count
Price momentum 57
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 18
Distance to the 52-week high, does not count
New shares 30
Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, 2 officers or directors bought shares worth $397,030, most recently on Aug 12, 2026. Over the same period, 4 people sold shares worth $549,062. Buying cluster

  • SaleElizabeth M CodnerChief Human Resources Officer653 shares at $19.29$12,596Sep 8, 202610b5-1 plan
  • SaleOliver OstertagPresident, Growth & AI11,829 shares at $18.75$221,794Aug 14, 2026
  • BuyNarinder SinghDirector11,518 shares at $17.36$199,950Aug 12, 2026
  • BuyKeith PascalDirector13,000 shares at $15.16$197,080Jun 12, 2026
  • BuyVoss Value-Oriented Special Situations Fund, LP10% owner3× since Jan 14, 2026: 1,596,102 shares, avg. $18.94$30.2MJun 12, 2026
  • SaleMichael Anthony SteenbergeSVP Finance & Transformation2× since Mar 3, 2026: 3,422 shares, avg. $17.14$58,666Jun 3, 202610b5-1 plan
  • SaleCathy A KingCLO & Corporate Secretary2× since Mar 3, 2026: 27,626 shares, avg. $16.01$442,162Jun 2, 202610b5-1 plan
  • SaleBryan A MenarChief Financial Officer2× since Dec 10, 2025: 14,724 shares, avg. $25.54$376,059Mar 4, 202610b5-1 plan
  • SaleSavneet SinghCEO & President, Director2× since Jan 5, 2026: 75,523 shares, avg. $18.51$1.4MMar 4, 202610b5-1 plan
  • BuyVoss Value Master Fund, LP10% owner196,035 shares at $36.24$7.1MJan 6, 2026

Plus 13 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 9, 2026. All filings at the SEC ↗

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 44/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+30.2%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+20.2%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+16.3%
Start year 2020 (pandemic). Over 10 years: +7.1% a year
Revenue growth 40 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+4.8%
Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
−11.2% (2020) → −15.1% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed

PAR screens overvalued: fair value 9% below the price. Compare with SAP SE →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Software - Application · 721 stocks

Beats the industry median on 3/9 measures
Overall it trails its industry peers.
Valuation
Quality Score 29 · Bottom 25%
Fair Value upside −9.5% · Below median
Profitability
Return on assets −6.2% · Below median
Net margin (12 months) −14.5% · Bottom 25%
Operating margin (12 months) −5.5% · Below median
Growth and dividend
Revenue growth (quarter YoY) 18.7% · Above median
Balance sheet
Debt / equity 0.45× · Highest 25%

Valuation Multiplesvs Software - Application median · lower = cheaper

P/B 1.09× · book value is mostly goodwill ⓘGoodwill and other intangible assets are larger than the equity. The book value mainly reflects prices paid for past acquisitions, so we do not rank this P/B against the peer group.
P/S (12 months) 1.81× · Cheaper than median
PEG 0.77× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)21 · sector 26
FUTURE (revenue growth)94 · sector 40
PAST (return on equity)0 · sector 10
HEALTH (low debt)77 · sector 98
DIVIDEND (yield)0 · sector 27

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Software - Application stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Adobe Inc ADBE $237.32 $463.72 +95% vs PAR
Salesforce, Inc CRM $214.94 $342.73 +59% vs PAR
Uber Technologies, Inc UBER $71.17 $101.28 +42% vs PAR
Intuit Inc INTU $338.23 $459.14 +36% vs PAR
ServiceNow, Inc NOW $102.76 $112.17 +9% vs PAR
SAP SE SAP €211.65 €173.59 −18% vs PAR
Cadence Design Systems, Inc CDNS $336.53 $225.48 −33% vs PAR
Automatic Data Processing, Inc ADP $302.06 $150.40 −50% vs PAR
Shopify Inc SHOP $152.06 $64.96 −57% vs PAR
Snowflake Inc SNOW $291.14 $73.81 −75% vs PAR

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Cite: Fair Value Calculator (2026). "PAR Technology Corporation Fair Value". https://www.fairvalue-calculator.com/stock/PAR

Frequently asked questions

Is PAR Technology Corporation (PAR) overvalued or undervalued?
As of Nov 10, 2026, our estimate of fair value is $19.74 versus a price of $21.81, about 9% lower (overvalued).
What is the fair value of PAR?
Our estimate for PAR Technology Corporation is $19.74 (as of Nov 10, 2026), built from audited fundamentals. The current price: $21.81.
What is the quality score of PAR?
PAR Technology Corporation has a Quality Score of 29/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for PAR Technology Corporation (PAR)?
Our calculated price target is the estimate of $19.74 (as of Nov 10, 2026). Cautious scenario $14.81, optimistic scenario $24.68. It is an estimate from revenue and assets compared with similar companies, because none of our valuation models currently carries, not an analyst target.
What is the PAR Technology Corporation stock forecast for 2026?
Our estimate puts fair value at $19.74, about 9% lower versus a price of $21.81 (overvalued). Cautious scenario $14.81, optimistic scenario $24.68. The calculation is refreshed regularly with new filings.
What is the revenue of PAR Technology Corporation (PAR)?
PAR Technology Corporation reported trailing-twelve-month revenue of about $497M (latest available figure, as of Nov 10, 2026).
What is the intrinsic value of PAR Technology Corporation (PAR)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For PAR Technology Corporation it is $19.74 per share (as of Nov 10, 2026), against a price of $21.81.
Is PAR Technology Corporation stock overvalued or undervalued in 2026?
As of Nov 10, 2026, PAR trades above its calculated fair value: price $21.81, fair value $19.74, a gap of about −9% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of PAR?
No. The price is what the market pays today ($21.81); the fair value is what the company's own numbers justify ($19.74). For PAR Technology Corporation the two are $2.07 per share apart. That gap is exactly why we show both numbers side by side.
How much is PAR Technology Corporation worth?
The market values PAR Technology Corporation at about $900M (market capitalisation, as of Nov 10, 2026). Per share that is $21.81; our models calculate a fair value of $19.74 per share.
What do the bullish and bearish scenarios say about PAR?
Our models span a range for PAR Technology Corporation: cautious scenario $14.81, base $19.74, optimistic $24.68 per share (as of Nov 10, 2026, price $21.81). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the PEG ratio of PAR?
The PEG ratio of PAR Technology Corporation is 0.77 (P/E divided by earnings growth, as of Nov 10, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of PAR Technology Corporation (PAR)?
Balance-sheet figures for PAR Technology Corporation (as of Nov 10, 2026): return on equity −8.6%, debt of 0.45 per unit of equity. They feed the Quality Score of 29/100, which measures business quality independently of the share price.
How far is PAR from its 52-week high?
PAR Technology Corporation trades at $21.81, about 45% below its 52-week high of $39.72 and 85% above the low of $11.82 (as of Nov 9, 2026). Distance from the high says nothing about value: that is what the fair value of $19.74 is for.
Which stocks are comparable to PAR Technology Corporation?
From the same area (Technology) we also value SAP SE, Salesforce, Inc, Shopify Inc, ServiceNow, Inc, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is PAR Technology Corporation stock attractive at the current price?
The data as of Nov 10, 2026: price $21.81, calculated fair value $19.74 (−9%), Quality Score 29/100. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
Is it still worth investing in stocks now?
The global stock market currently sits 13.7% above its aggregate fair value. PAR Technology Corporation itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of PAR Technology Corporation (PAR)?
The closing price on Nov 9, 2026 was $21.81. Our estimate is $19.74, about 9% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with PAR Technology Corporation right now?
Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. The price sits in the upper half of our model range, so the margin of safety is thin. Read the verdict with care: some models are missing inputs, so the estimate scatters more than usual.

Key figures of PAR Technology Corporation

How large is the market capitalisation of PAR Technology Corporation (PAR)?
The market capitalisation of PAR Technology Corporation is $900M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of PAR Technology Corporation (PAR)?
The price-to-sales ratio of PAR Technology Corporation is 1.48 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of PAR Technology Corporation (PAR)?
Earnings per share at PAR Technology Corporation are $−1.76. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of PAR Technology Corporation (PAR)?
The net margin of PAR Technology Corporation is −14.5% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of PAR Technology Corporation (PAR)?
The return on equity (ROE) of PAR Technology Corporation is −8.6% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of PAR Technology Corporation (PAR)?
On an EBIT basis the return on assets of PAR Technology Corporation is −6.8% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of PAR Technology Corporation (PAR)?
The operating margin of PAR Technology Corporation is −5.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at PAR Technology Corporation (PAR)?
Revenue at PAR Technology Corporation is growing +18.7% versus a year earlier (3y avg +20.2%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much free cash flow does PAR Technology Corporation (PAR) generate?
The free cash flow of PAR Technology Corporation is −$30.5M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does PAR Technology Corporation (PAR) carry?
The net debt of PAR Technology Corporation is $323M (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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