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Paymentus Holdings, Inc.(PAY)Earnings, Financials & Key Ratios
PAY•NYSE
40.5× P/E·Price updated Jun 19, 2026
AboutPaymentus Holdings, Inc. provides cloud-based bill payment technology and solutions. The company offers electronic bill presentment and payment services, enterprise customer communication, and self-service revenue management to billers through a software-as-a-service technology platform. The company serves utility, financial service, insurance, government, telecommunication, and healthcare industries. The company was founded in 2004 and is based in Redmond, Washington.Show more
- Revenue$1.2B+37.3%
- EBITDA$117M+43.3%
- Net Income$67M+51.5%
- EPS (Diluted)0.52+48.6%
- Gross Margin24.77%-9.3%
- EBITDA Margin9.74%+4.4%
- Operating Margin6.31%+22.7%
- Net Margin5.59%+10.4%
- ROE12.8%+32.6%
PAY Key Insights
Paymentus Holdings, Inc. (PAY) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Company is almost debt free
- ✓Strong 5Y profit CAGR of 37.3%
- ✓High quality earnings: Operating CF exceeds net income
- ✓Strong 5Y sales CAGR of 31.7%
- ✓Efficient asset utilization: 1.8x turnover
✗Weaknesses
- ✗Weak momentum: RS Rating 17 (bottom 17%)
- ✗Trading more than 30% below 52-week high
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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PAY Price & Volume
Paymentus Holdings, Inc. (PAY) stock price & volume — 10-year historical chart
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PAY Growth Metrics
Paymentus Holdings, Inc. (PAY) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-4.36%
5 Years31.72%
3 Years34.03%
TTM33.01%
Profit CAGR
10 Years-
5 Years37.32%
3 Years-
TTM45.86%
EPS CAGR
10 Years-
5 Years47.85%
3 Years-
TTM46.15%
Return on Capital
10 Years6.76%
5 Years6.3%
3 Years9.34%
Last Year14.2%
PAY Recent Earnings
Paymentus Holdings, Inc. (PAY) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 12/12 qtrs (100%)●Beat Revenue 8/12 qtrs (67%)
Q2 2026Latest
May 4, 2026Metric
Actual
Est
EPS
$0.21+23.5%
$0.17
Rev
$358M+6.9%
$335M
Q1 2026
Feb 23, 2026Metric
Actual
Est
EPS
$0.20+11.1%
$0.18
Rev
$330M+5.3%
$314M
Q4 2025
Nov 3, 2025Metric
Actual
Est
EPS
$0.17+6.3%
$0.16
Rev
$311M-1.0%
$314M
Q3 2025
Aug 4, 2025Metric
Actual
Est
EPS
$0.15+7.1%
$0.14
Rev
$280M-1.6%
$285M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 4, 2026 | $0.21vs $0.17+23.5% | $358Mvs $335M+6.9% |
| Q1 2026 | Feb 23, 2026 | $0.20vs $0.18+11.1% | $330Mvs $314M+5.3% |
| Q4 2025 | Nov 3, 2025 | $0.17vs $0.16+6.3% | $311Mvs $314M-1.0% |
| Q3 2025 | Aug 4, 2025 | $0.15vs $0.14+7.1% | $280Mvs $285M-1.6% |
Based on last 12 quarters of dataView full earnings history →
PAY Peer Comparison
Paymentus Holdings, Inc. (PAY) competitors in Payments Processing and Fintech Services — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 RPAY | 298.61M | 3.39 | -1.13 | -1.21% | -82.73% | -46.64% | 0.91 | |
 PRTH | 590.49M | 7.17 | 10.54 | 8.33% | 5.85% | |||
 FLYW | 1.89B | 15.85 | 144.09 | 26.59% | 6.65% | 5.87% | ||
 IIIV | 437.91M | 19.82 | 35.39 | -7.29% | 8.26% | 3.67% | 0.01 | |
 CASS | 639.22M | 49.52 | 18.97 | -13.1% | 17.25% | 14.61% | 0.02 | |
 BILL | 3.23B | 32.47 | 141.17 | 13.36% | 0.01% | 0% | 0.45 | |
 PAYO | 2.35B | 7.02 | 36.95 | 7.68% | 6.76% | 10.01% | 0.10 | |
 EVTC | 1.58B | 25.72 | 11.69 | 10.21% | 13.95% | 18.65% | 1.58 |
Compare PAY vs Peers
Paymentus Holdings, Inc. (PAY) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
PAY Income Statement
Paymentus Holdings, Inc. (PAY) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Oct'16 | Oct'17 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Sales/Revenue | 1.99B | 1.87B | 235.78M | 301.77M | 395.52M | 497M | 614.49M | 871.75M | 1.2B | 1.28B |
Revenue Growth % | -0.42% | -6.08% | -87.4% | 27.99% | 31.07% | 25.66% | 23.64% | 41.86% | 37.25% | 33.01% |
Cost of Goods Sold | 1.2B | 1.16B | 161.34M | 209.14M | 274.14M | 347.32M | 432.15M | 633.58M | 900.16M | 963.16M |
COGS % of Revenue | 60.13% | 61.89% | 68.43% | 69.31% | 69.31% | 69.88% | 70.33% | 72.68% | 75.23% | - |
Gross Profit | 794.3M▲ 0% | 713.1M▼ 10.2% | 74.43M▼ 89.6% | 92.63M▲ 24.4% | 121.38M▲ 31.0% | 149.68M▲ 23.3% | 182.34M▲ 21.8% | 238.17M▲ 30.6% | 296.34M▲ 24.4% | 316.55M▲ 0% |
Gross Margin % | 39.87% | 38.11% | 31.57% | 30.69% | 30.69% | 30.12% | 29.67% | 27.32% | 24.77% | 24.74% |
Gross Profit Growth % | -3.84% | -10.22% | -89.56% | 24.44% | 31.04% | 23.31% | 21.82% | 30.62% | 24.42% | - |
Operating Expenses | 719.6M | 664.9M | 56.06M | 74.2M | 111.01M | 152.65M | 164.25M | 193.31M | 220.8M | 230.15M |
OpEx % of Revenue | 36.12% | 35.54% | 23.78% | 24.59% | 28.07% | 30.71% | 26.73% | 22.18% | 18.45% | - |
Selling, General & Admin | 421.6M | 383.7M | 38.2M | 49.69M | 76.89M | 111.43M | 120M | 141.98M | 159.33M | 167.44M |
SG&A % of Revenue | 21.16% | 20.51% | 16.2% | 16.47% | 19.44% | 22.42% | 19.53% | 16.29% | 13.32% | - |
Research & Development | 207.5M | 211.6M | 17.86M | 24.51M | 34.12M | 41.22M | 44.25M | 51.33M | 61.47M | 62.71M |
R&D % of Revenue | 10.42% | 11.31% | 7.58% | 8.12% | 8.63% | 8.29% | 7.2% | 5.89% | 5.14% | - |
Other Operating Expenses | 90.5M | 69.6M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Operating Income | 74.7M▲ 0% | 48.2M▼ 35.5% | 18.37M▼ 61.9% | 18.43M▲ 0.3% | 10.37M▼ 43.7% | -2.98M▼ 128.7% | 18.09M▲ 708.0% | 44.86M▲ 147.9% | 75.54M▲ 68.4% | 86.4M▲ 0% |
Operating Margin % | 3.75% | 2.58% | 7.79% | 6.11% | 2.62% | -0.6% | 2.94% | 5.15% | 6.31% | 6.75% |
Operating Income Growth % | -30.96% | -35.48% | -61.89% | 0.31% | -43.71% | -128.69% | 707.96% | 147.92% | 68.4% | - |
EBITDA | 253.9M | 188.9M | 24.37M | 26.5M | 23.67M | 6.39M | 48.69M | 81.34M | 116.6M | 126.61M |
EBITDA Margin % | 12.75% | 10.1% | 10.34% | 8.78% | 5.98% | 1.29% | 7.92% | 9.33% | 9.74% | 9.89% |
EBITDA Growth % | -8.54% | -25.6% | -87.1% | 8.72% | -10.68% | -73.01% | 662.38% | 67.05% | 43.34% | 57.97% |
D&A (Non-Cash Add-back) | 179.2M | 140.7M | 6M | 8.07M | 13.29M | 9.36M | 30.6M | 36.48M | 41.06M | 40.21M |
EBIT | 36.4M | -109.7M | 18.37M | 18.43M | 10.37M | -2.98M | 18.09M | 44.86M | 75.54M | 91.58M |
Net Interest Income | 0 | 0 | 106K | 52K | -6K | 1.66M | 7.02M | 8.74M | 9.51M | 9.97M |
Interest Income | 0 | 0 | 106K | 52K | 0 | 1.66M | 7.02M | 8.74M | 9.51M | 9.97M |
Interest Expense | 34.6M | 33.2M | 0 | 0 | 6K | 0 | 0 | 0 | 0 | 0 |
Other Income/Expense | -72.9M | -191.1M | 108K | -64K | -7K | 1.67M | 7.03M | 9.09M | 9.73M | 10.16M |
Pretax Income | 1.8M▲ 0% | -142.9M▼ 8038.9% | 18.48M▲ 112.9% | 18.36M▼ 0.6% | 10.37M▼ 43.6% | -1.31M▼ 112.6% | 25.12M▲ 2020.8% | 53.94M▲ 114.7% | 85.28M▲ 58.1% | 96.56M▲ 0% |
Pretax Margin % | 0.09% | -7.64% | 7.84% | 6.09% | 2.62% | -0.26% | 4.09% | 6.19% | 7.13% | 7.55% |
Income Tax | 11.5M | 32.5M | 4.78M | 4.65M | 1.07M | -795K | 2.8M | 9.78M | 18.34M | 22.56M |
Effective Tax Rate % | 638.89% | -22.74% | 25.88% | 25.34% | 10.28% | 60.78% | 11.15% | 18.12% | 21.5% | 23.36% |
Net Income | -9.3M▲ 0% | -173.9M▼ 1769.9% | 13.7M▲ 107.9% | 13.71M▲ 0.1% | 9.3M▼ 32.2% | -513K▼ 105.5% | 22.32M▲ 4451.3% | 44.17M▲ 97.9% | 66.94M▲ 51.5% | 74.03M▲ 0% |
Net Margin % | -0.47% | -9.29% | 5.81% | 4.54% | 2.35% | -0.1% | 3.63% | 5.07% | 5.59% | 5.79% |
Net Income Growth % | -111.76% | -1769.89% | 107.88% | 0.1% | -32.17% | -105.52% | 4451.27% | 97.87% | 51.55% | 45.86% |
Net Income (Continuing) | -9.3M | -173.9M | 13.7M | 13.71M | 9.3M | -513K | 22.32M | 44.17M | 66.94M | 74M |
Discontinued Operations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
EPS (Diluted) | -0.08▲ 0% | -1.56▼ 1759.4% | 0.08▲ 104.9% | 0.07▼ 3.9% | 0.06▼ 18.5% | -0.00▼ 107.0% | 0.18▲ 4385.7% | 0.35▲ 94.4% | 0.52▲ 48.6% | 0.57▲ 0% |
EPS Growth % | -112.34% | -1759.36% | 104.91% | -3.92% | -18.48% | -107% | - | 94.44% | 48.57% | 46.15% |
EPS (Basic) | -0.08 | -1.56 | 0.08 | 0.07 | 0.06 | -0.00 | 0.18 | 0.36 | 0.53 | - |
Diluted Shares Outstanding | 110.8M | 111.8M | 117.48M | 115.86M | 118.82M | 122.1M | 125.07M | 127.72M | 129.38M | 129.31M |
Basic Shares Outstanding | 110.8M | 111.8M | 117.48M | 115.86M | 112.76M | 122.1M | 123.51M | 124.37M | 129.38M | 125.67M |
Dividend Payout Ratio | - | - | - | - | - | - | - | - | - | - |
PAY Balance Sheet
Paymentus Holdings, Inc. (PAY) balance sheet — assets, liabilities & shareholders' equity
| Metric | Oct'16 | Oct'17 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Total Current Assets | 757.4M | 718.7M | 51.5M | 79.83M | 256.44M | 228.96M | 270.35M | 345.64M | 441.33M | 472.5M |
Cash & Short-Term Investments | 148.4M | 131M | 27.43M | 46.67M | 168.39M | 147.33M | 179.36M | 205.9M | 324.54M | 342.13M |
Cash Only | 148.4M | 131M | 27.43M | 46.67M | 168.39M | 147.33M | 179.36M | 205.9M | 324.54M | 342.13M |
Short-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Accounts Receivable | 323.4M | 322.7M | 21.36M | 30.25M | 46.42M | 69.28M | 76.65M | 123.17M | 103.55M | 117.21M |
Days Sales Outstanding | 59.25 | 62.95 | 33.07 | 36.58 | 42.84 | 50.88 | 45.53 | 51.57 | 31.59 | 30.38 |
Inventory | 175.2M | 126.6M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Days Inventory Outstanding | 53.39 | 39.91 | - | - | - | - | - | - | - | - |
Other Current Assets | 110.4M | 138.4M | 0 | 0 | 33.44M | 12.35M | 14.34M | 16.57M | 14.46M | 13.16M |
Total Non-Current Assets | 1.74B | 1.6B | 28.96M | 45.05M | 216.51M | 232.58M | 234.51M | 230.61M | 226.55M | 226.1M |
Property, Plant & Equipment | 0 | 0 | 1.48M | 10.09M | 9.75M | 11.38M | 11.59M | 8.96M | 7.26M | 6.99M |
Fixed Asset Turnover | - | - | 159.63x | 29.90x | 40.58x | 43.66x | 53.04x | 97.31x | 164.88x | 167.40x |
Goodwill | 1.11B | 1.1B | 13.22M | 13.21M | 129.41M | 131.85M | 131.86M | 131.81M | 131.81M | 131.79M |
Intangible Assets | 306.3M | 236.4M | 13.95M | 21.26M | 72.98M | 82.05M | 85.94M | 86.45M | 11.99M | 11.17M |
Long-Term Investments | 0 | 19.59M | 28.64M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other Non-Current Assets | 283.6M | 210.01M | -28.64M | 218K | 4.21M | 7.18M | 5.03M | 3.02M | 75.18M | 75.39M |
Total Assets | 2.49B▲ 0% | 2.32B▼ 6.9% | 80.46M▼ 96.5% | 124.87M▲ 55.2% | 472.94M▲ 278.7% | 461.54M▼ 2.4% | 504.86M▲ 9.4% | 576.25M▲ 14.1% | 667.88M▲ 15.9% | 698.6M▲ 0% |
Asset Turnover | 0.80x | 0.81x | 2.93x | 2.42x | 0.84x | 1.08x | 1.22x | 1.51x | 1.79x | 1.95x |
Asset Growth % | 0.88% | -6.92% | -96.54% | 55.2% | 278.74% | -2.41% | 9.39% | 14.14% | 15.9% | 66.17% |
Total Current Liabilities | 538.8M | 542.3M | 9.95M | 31.11M | 74.43M | 51.5M | 62.79M | 81.55M | 98.85M | 107.08M |
Accounts Payable | 154.6M | 144.8M | 2.17M | 16.82M | 24.75M | 29.23M | 35.18M | 49.87M | 63.97M | 73.47M |
Days Payables Outstanding | 47.11 | 45.64 | 4.92 | 29.36 | 32.95 | 30.72 | 29.72 | 28.73 | 25.94 | 24.06 |
Short-Term Debt | 66M | 68.8M | 515K | 0 | 0 | 0 | 0 | 0 | 2.29M | 2.38M |
Deferred Revenue (Current) | 104.8M | 101.4M | 428K | 612K | 2.17M | 4.36M | 4.09M | 2.94M | 3.5M | 7.27M |
Other Current Liabilities | 213.4M | 227.3M | 0 | 0 | 33.44M | 0 | 0 | 0 | 27.67M | 31.23M |
Current Ratio | 1.41x | 1.33x | 5.18x | 2.57x | 3.45x | 4.45x | 4.31x | 4.24x | 4.46x | 4.41x |
Quick Ratio | 1.08x | 1.09x | 5.18x | 2.57x | 3.45x | 4.45x | 4.31x | 4.24x | 4.46x | 4.41x |
Cash Conversion Cycle | 65.53 | 57.22 | - | - | - | - | - | - | - | 6.32 |
Total Non-Current Liabilities | 1.1B | 997.5M | 1.91M | 9.39M | 12.38M | 12.86M | 12.46M | 9.1M | 8.65M | 8.03M |
Long-Term Debt | 859.9M | 762M | 0 | 0 | 0 | 0 | 0 | 0 | 4.56M | 4.25M |
Capital Lease Obligations | 0 | 0 | 0 | 5.89M | 7.35M | 9.36M | 8.66M | 6.32M | 4.56M | 15.48M |
Deferred Tax Liabilities | 99.4M | 97.5M | 1.91M | 3.5M | 3.32M | 680K | 1.07M | 0 | 0 | 0 |
Other Non-Current Liabilities | 76.8M | 76.2M | 0 | 0 | 0 | 0 | 0 | 0 | -3.88M | 3.79M |
Total Liabilities | 1.64B | 1.54B | 11.86M | 40.5M | 86.81M | 64.36M | 75.25M | 90.65M | 107.5M | 115.11M |
Total Debt | 925.9M | 830.8M | 627K | 10.03M | 11.18M | 12.63M | 10.51M | 8.41M | 11.41M | 6.63M |
Net Debt | 777.5M | 699.8M | -26.8M | -36.64M | -157.2M | -134.7M | -168.85M | -197.49M | -313.12M | -335.5M |
Debt / Equity | 1.14x | 1.10x | 0.01x | 0.12x | 0.03x | 0.03x | 0.02x | 0.02x | 0.02x | 0.01x |
Debt / EBITDA | 3.65x | 4.40x | 0.03x | 0.38x | 0.47x | 1.98x | 0.22x | 0.10x | 0.10x | 0.05x |
Net Debt / EBITDA | 3.06x | 3.70x | -1.10x | -1.38x | -6.64x | -21.09x | -3.47x | -2.43x | -2.69x | -2.65x |
Interest Coverage | 1.05x | -3.30x | - | - | 1728.83x | - | - | - | - | - |
Total Equity | 813.7M▲ 0% | 754.5M▼ 7.3% | 68.6M▼ 90.9% | 84.38M▲ 23.0% | 386.13M▲ 357.6% | 397.18M▲ 2.9% | 429.62M▲ 8.2% | 485.6M▲ 13.0% | 560.39M▲ 15.4% | 583.49M▲ 0% |
Equity Growth % | -9.55% | -7.28% | -90.91% | 22.99% | 357.63% | 2.86% | 8.17% | 13.03% | 15.4% | 61.05% |
Book Value per Share | 7.34 | 6.75 | 0.58 | 0.73 | 3.25 | 3.25 | 3.43 | 3.80 | 4.33 | 4.51 |
Total Shareholders' Equity | 813.7M | 754.5M | 68.6M | 84.38M | 386.13M | 397.18M | 429.62M | 485.6M | 560.39M | 583.49M |
Common Stock | 1.1M | 1.1M | 517K | 517K | 12K | 12K | 12K | 12K | 12K | 12K |
Retained Earnings | -618.3M | -792.2M | 41.34M | 55.05M | 29.93M | 29.42M | 51.74M | 95.91M | 162.85M | 183.73M |
Treasury Stock | 0 | 0 | -579K | -579K | 0 | 0 | 0 | 0 | 0 | 0 |
Accumulated OCI | -243.13M | -221.57M | 149K | 216K | 168K | -22K | 87K | -233K | -427K | -615K |
Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
PAY Cash Flow Statement
Paymentus Holdings, Inc. (PAY) cash flow — operating, investing & free cash flow history
| Metric | Oct'16 | Oct'17 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 193.7M | 165.9M | 17.51M | 35.62M | 19.49M | 19.87M | 68.83M | 63.63M | 162.13M | 142.14M |
Operating CF Margin % | 9.72% | 8.87% | 7.43% | 11.8% | 4.93% | 4% | 11.2% | 7.3% | 13.55% | - |
Operating CF Growth % | -22.3% | -14.35% | -89.44% | 103.41% | -45.28% | 1.92% | 246.44% | -7.55% | 154.78% | 517.3% |
Net Income | -9.3M | -173.9M | 13.7M | 13.71M | 9.3M | -513K | 22.32M | 44.17M | 66.94M | 74.03M |
Depreciation & Amortization | 179.2M | 140.7M | 6M | 8.07M | 13.29M | 24.06M | 30.6M | 36.48M | 41.06M | 40.21M |
Stock-Based Compensation | 42.3M | 40M | 1.58M | 1.99M | 3.14M | 6.74M | 9.39M | 10.99M | 0 | 10.42M |
Deferred Taxes | -14M | 800K | 1.28M | 1.64M | -660K | -2.98M | 413K | -1.35M | 50K | 611K |
Other Non-Cash Items | 17.9M | 200.5M | 0 | 2.9M | 3.27M | 4.69M | 5.67M | 9.3M | 25.63M | 16.65M |
Working Capital Changes | -22.4M | -42.2M | -5.05M | 7.31M | -8.85M | -12.13M | 429K | -35.96M | 28.46M | 244K |
Change in Receivables | 59.6M | -11.6M | -6.47M | -8.69M | -15.56M | -22.97M | -8.51M | -46.92M | 17.14M | -7.89M |
Change in Inventory | -45.7M | 30.4M | 0 | 1.18M | 0 | 0 | 0 | 0 | 0 | 0 |
Change in Payables | -39.6M | -7.5M | -596K | 14.64M | 7.38M | 4.77M | 6.02M | 13.82M | 13.98M | 17.79M |
Cash from Investing | -275.2M | -72.7M | -13.9M | -15.14M | -77.81M | -34.56M | -34.3M | -36.76M | -36.52M | -37.67M |
Capital Expenditures | -105.3M | -67.3M | -1.04M | -458K | -979K | -1.26M | -600K | -457K | -361K | -9.63M |
CapEx % of Revenue | 5.29% | 3.6% | 0.44% | 0.15% | 0.25% | 0.25% | 0.1% | 0.05% | 0.03% | 0.75% |
Acquisitions | 0 | 0 | -1.37M | -290K | -57.4M | -3.26M | 0 | 0 | 0 | 0 |
Investments | - | - | - | - | - | - | - | - | - | - |
Other Investing | -169.9M | -5.4M | -11.49M | -14.39M | -19.43M | -30.04M | -33.7M | -36.3M | -36.16M | -28.14M |
Cash from Financing | 24.4M | -112.4M | -857K | -1.36M | 213.49M | -37.28M | -1.2M | -207K | -10.58M | -11.97M |
Debt Issued (Net) | 0 | 0 | -282K | -323K | 541K | -268K | -102K | 0 | 0 | 0 |
Equity Issued (Net) | 0 | 0 | 100K | 0 | 251.58M | 0 | 0 | 338K | 162K | 114K |
Dividends Paid | 0 | 0 | 0 | 0 | -34.41M | 0 | 0 | 0 | 0 | 0 |
Share Repurchases | -79.9M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other Financing | 24.4M | -112.4M | -675K | -1.03M | -4.22M | -37.02M | -1.09M | -545K | -10.74M | -12.08M |
Net Change in Cash | -60.5M▲ 0% | -15.5M▲ 74.4% | 2.79M▲ 118.0% | 19.24M▲ 588.8% | 155.16M▲ 706.5% | -52.14M▼ 133.6% | 33.51M▲ 164.3% | 26.22M▼ 21.8% | 115.13M▲ 339.1% | 92.48M▲ 0% |
Free Cash Flow | 88.4M▲ 0% | 98.6M▲ 11.5% | 4.98M▼ 94.9% | 20.77M▲ 316.8% | -916K▼ 104.4% | -11.43M▼ 1148.1% | 34.53M▲ 402.0% | 63.18M▲ 83.0% | 161.77M▲ 156.1% | 132.3M▲ 0% |
FCF Margin % | 4.44% | 5.27% | 2.11% | 6.88% | -0.23% | -2.3% | 5.62% | 7.25% | 13.52% | 10.34% |
FCF Growth % | -38.14% | 11.54% | -94.95% | 316.79% | -104.41% | -1148.14% | 402.01% | 82.97% | 156.05% | 98.65% |
FCF per Share | 0.80 | 0.88 | 0.04 | 0.18 | -0.01 | -0.09 | 0.28 | 0.49 | 1.25 | 1.02 |
FCF Conversion (FCF/Net Income) | -20.83x | -0.95x | 1.28x | 2.60x | 2.10x | -38.73x | 3.08x | 1.44x | 2.42x | 1.79x |
Interest Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Taxes Paid | 0 | 0 | 4.74M | 2.89M | 2.49M | 672K | 1.4M | 14.4M | 0 | 9.75M |
PAY Key Ratios
Paymentus Holdings, Inc. (PAY) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
Return on Equity (ROE) | -1.09% | -22.18% | 3.33% | 17.93% | 3.95% | -0.13% | 5.4% | 9.65% | 12.8% | 13.47% |
Return on Invested Capital (ROIC) | 3.64% | 2.37% | 1.84% | 30.87% | 5.62% | -0.91% | 5.19% | 12.26% | 21.16% | 25.65% |
Gross Margin | 39.87% | 38.11% | 31.57% | 30.69% | 30.69% | 30.12% | 29.67% | 27.32% | 24.77% | 24.74% |
Net Margin | -0.47% | -9.29% | 5.81% | 4.54% | 2.35% | -0.1% | 3.63% | 5.07% | 5.59% | 5.79% |
Debt / Equity | 1.14x | 1.10x | 0.01x | 0.12x | 0.03x | 0.03x | 0.02x | 0.02x | 0.02x | 0.01x |
Interest Coverage | 1.05x | -3.30x | - | - | 1728.83x | - | - | - | - | - |
FCF Conversion | -20.83x | -0.95x | 1.28x | 2.60x | 2.10x | -38.73x | 3.08x | 1.44x | 2.42x | 1.79x |
Revenue Growth | -0.42% | -6.08% | -87.4% | 27.99% | 31.07% | 25.66% | 23.64% | 41.86% | 37.25% | 33.01% |
Related:PAY Dividend History·PAY Revenue History·PAY Price History·PAY P/E History·PAY Financial Ratios·PAY Institutional Holders
PAY SEC Filings & Documents
Paymentus Holdings, Inc. (PAY) SEC filings — annual & quarterly reports (10-K, 10-Q)
PAY Frequently Asked Questions
Paymentus Holdings, Inc. (PAY) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Paymentus Holdings, Inc. (PAY) reported $1.28B in revenue for fiscal year 2025. This represents a 277% increase from $339.3M in 2003.
Paymentus Holdings, Inc. (PAY) grew revenue by 37.3% over the past year. This is strong growth.
Yes, Paymentus Holdings, Inc. (PAY) is profitable, generating $74.0M in net income for fiscal year 2025 (5.6% net margin).
Dividend & Returns
Paymentus Holdings, Inc. (PAY) has a return on equity (ROE) of 12.8%. This is reasonable for most industries.
Paymentus Holdings, Inc. (PAY) generated $132.3M in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.