Paycom (PAYC) Stock Concentration Calculator
Calculator · free · no signup · PAYCQuantify Paycom concentration risk. Drawdown impact at 30 / 50 / 70%, with the tax-aware trade-off between selling down and hedging.
Beta · invite-only · AlphaLatitude Inc. · Free Tools
Your inputs
Adjust — results update instantly.Position & portfolio
Tax
Most fee-only advisors target ≤10% in any single name. You're at 67%.
Estimates only. Not financial advice.
Most sensitive to: Expected market return (±10% on this input swings best-plan wealth by ±$190,508).
Cost of fully de-concentrating
All three plans sell to 0% (no hedge).Sensitivity. If your expected position return drops below 19.6%/yr, lump-sum (sell everything today) beats every spread plan above.
Have multiple RSU vest lots? The RSU Lot Order Calculator picks which lots to sell first, and on which dates, to divest at the lowest computed tax.
Build your own plan
Toggle below — chart updates live. Sell buttons show the slice.Tech / Software single names hit a 50%+ peak-to-trough drawdown in roughly 1 of every 5 rolling 3-year windows over 2014–2024. Even mega-caps aren’t exempt.
Tax brackets: 2026 · Estimates only — not financial advice.
Estate note. Heirs receive a stepped-up basis at death (§1014), eliminating built-in gain on inherited shares. Older holders who plan to bequeath rather than sell may rationally never de-concentrate.
You sized one position's risk. The beta integrates hedging, sell-down, and tax timing into one optimized plan.
Request beta access →Related calculators: Protect Your Stock Calculator · RSU Lot Order Calculator · Equity Funding Plan Calculator
About Paycom
Paycom (PAYC) is a public Cloud/SaaS company, incorporated in Delaware and headquartered in Oklahoma City, OK.
Equity grants at Paycom typically include restricted stock units (RSUs).
Paycom Software, Inc., known simply as Paycom, is an online payroll and human resource software provider based in Oklahoma City, Oklahoma, with offices throughout the United States. It is attributed with being one of the first fully online payroll providers. Founded in 1998, it reported annual revenue of $2.052 billion for 2025, up from $1.883 billion for 2024.
Source: Wikipedia (CC BY-SA 4.0)
Chad Richison founded the company in Oklahoma City in 1998 as one of the first payroll providers built for online delivery. Its differentiator is a single database covering payroll, time, benefits, and hiring, sold on the argument that stitched-together systems create reconciliation errors. Beti, launched in 2021, pushes payroll review onto employees themselves, an unusual bet that reduced the company's own service revenue in the short run. Sales run through a direct outside force organized by territory, and the company retains high margins for the sector.
Sources: paycom.com · en.wikipedia.org
Equity comp at Paycom
- RSUs use single-trigger vesting: shares become yours as each portion vests on schedule, and the value is taxed as ordinary income at that point. No IPO or acquisition is required.
Researched 2026-08-17.
OptionsAhoy is an independent tool and is not affiliated with, endorsed by, or sponsored by Paycom.
If a meaningful share of your net worth sits in PAYC, concentration risk is the question. This calculator quantifies drawdown impact at 30 / 50 / 70%, and the trade-off between selling down (tax cost now) versus hedging (option premium drag), auto-filled with PAYC's option-implied volatility.
All Paycom tools → · Use the generic Stock Concentration Calculator for any company. Diversifying multiple RSU lots? See the lot-by-lot sell order →
Paycom equity questions
- How much PAYC stock is too much?
- There is no single threshold, but the larger the share of your net worth in one stock, the more a single bad year can set back your plans. The calculator above quantifies the drawdown impact at 30, 50, and 70 percent for your PAYC position and weighs selling down (which triggers capital-gains tax now) against hedging (which costs option premium).
- Does Paycom grant ISOs, NSOs, or RSUs?
- Equity compensation at Paycom typically takes the form of restricted stock units (RSUs). Restricted stock units are taxed as ordinary income when they vest.
- Do Paycom RSUs use double-trigger vesting?
- No. Paycom restricted stock units (RSUs) use single-trigger vesting: each tranche becomes yours as it vests on schedule, taxed as ordinary income at that point, with no liquidity event required.
One piece of the puzzle.
OptionsAhoy plans your Paycom equity alongside hedging, vesting, and de-concentration, across bullish, neutral, and bearish market scenarios. Free during beta.