Paymentus Holdings, Inc.(PAY)Earnings, Financials & Key Ratios

PAY•NYSE

$27.15

$3.4B mkt cap·52.2× P/E·Price updated May 6, 2026

SectorTechnology IndustryIT Services Sub-IndustryPayments Processing and Fintech Services

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%
ROIC21.16%+72.6%
Debt/Equity0.02+17.6%

Technical→

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

✗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.

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

Full history →

●Beat EPS 12/12 qtrs (100%)●Beat Revenue 8/12 qtrs (67%)

Q2 2026Latest

May 4, 2026

EPS

$0.21

Est $0.17

+23.5%

Revenue

$358M

Est $335M

+6.9%

Q1 2026

Feb 23, 2026

EPS

$0.20

Est $0.18

+11.1%

Revenue

$330M

Est $314M

+5.3%

Q4 2025

Nov 3, 2025

EPS

$0.17

Est $0.16

+6.3%

Revenue

$311M

Est $314M

-1.0%

Q3 2025

Aug 4, 2025

EPS

$0.15

Est $0.14

+7.1%

Revenue

$280M

Est $285M

-1.6%

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 →

Company	Market Cap	Stock Price	P/E Ratio (TTM)	Revenue Growth 1Y	Net Margin	Return on Equity (ROE)	Debt / Equity
RPAYRepay Holdings CorporationDirect Competitor	303.9M	3.45	-1.15	-1.21%	-82.73%	-46.64%	0.91
PRTHPriority Technology Holdings, Inc.Direct Competitor	430.83M	5.26	7.74	8.33%	5.84%
FLYWFlywire CorporationDirect Competitor	2.09B	17.51	159.18	26.59%	6.65%	5.87%
IIIVi3 Verticals, Inc.Direct Competitor	486.07M	22.00	39.29	-7.29%	7.33%	3.22%	0.01
CASSCass Information Systems, Inc.Direct Competitor	607.85M	47.09	18.04	-13.1%	17.25%	14.61%	0.02
BILLBill.com Holdings, Inc.Product Competitor	3.67B	37.07	161.17	13.36%	-1.56%	-0.63%	0.45
PAYOPayoneer Global Inc.Product Competitor	1.68B	4.86	25.58	7.68%	6.95%	9.84%	0.10
EVTCEVERTEC, Inc.Product Competitor	1.74B	28.16	12.80	10.21%	9.6%	11.07%	1.58

Compare PAY vs Peers

Paymentus Holdings, Inc. (PAY) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs RPAY

Most directly comparable listed peer for PAY.

Scale Benchmark

vs JPM

Larger-name benchmark to compare PAY against a more recognizable public peer.

Peer Set

Compare Top 5

vs RPAY, PRTH, FLYW, IIIV

PAY Income Statement

Paymentus Holdings, Inc. (PAY) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily

Line item	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

Line item	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	157.26M
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	4.46x
Quick Ratio	1.08x	1.09x	5.18x	2.57x	3.45x	4.45x	4.31x	4.24x	4.46x	4.46x
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	7M
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	0.02x
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	-2.69x
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

Line item	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	162.13M
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%	-
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	1.25
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%	21.16%
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	0.02x
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%

PAY SEC Filings & Documents

Paymentus Holdings, Inc. (PAY) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

Material company update

May 4, 2026·SEC

Material company update

Apr 8, 2026·SEC

Material company update

Mar 26, 2026·SEC

10-K Annual Reports

FY 2026

Feb 24, 2026·SEC

FY 2025

Mar 11, 2025·SEC

10-Q Quarterly Reports

FY 2026

May 5, 2026·SEC

FY 2025

Nov 4, 2025·SEC

FY 2025

Aug 5, 2025·SEC

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.

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