Paymentus Holdings, Inc.

NYSE•PAY

CEO: Mr. Dushyant Sharma

Sector: Technology

Industry: Information Technology Services

Listing Date: 2021-05-26

Paymentus Holdings, Inc. provides cloud-based bill payment technology and solutions in the United States and internationally. 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. Its platform's payment processing includes credit cards, debit cards, eChecks, and digital wallets. It serves utility, financial service, government, insurance, telecommunication, real estate management, education, consumer finance, healthcare, and small business industries. The company was founded in 2004 and is headquartered in Charlotte, North Carolina.

Contact Information

11605 North Community House Road, Suite 300, Charlotte, NC, 28277, United States

888-440-4826

www.paymentus.com

Market Cap

$3.08B

P/E (TTM)

47.5

21.2

Dividend Yield

52W High

$40.43

52W Low

$22.02

52W Range

14%

Rank46Top 59.5%

3.5

F-Score

Modified Piotroski Analysis

Based on 10-year fundamentals

Weak • 3.5 / 9 points

Scoring Range (0-9)

8-9: Excellent Value

6-7: Strong Fundamentals

4-5: Average Quality

0-3: Weak Performance

Data Period: 2016-2025

Financial Dashboard

Q4 2025 Data

Revenue

$330.46M+0.00%

4-Quarter Trend

EPS

$0.16+0.00%

4-Quarter Trend

FCF

$45.05M+0.00%

4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

Revenue Jumps 37.3% Total revenue reached $1.20B in 2025, marking a substantial 37.3% increase over prior year results.

Net Income Soars 51.5% Net income totaled $66.9M in 2025, reflecting a significant 51.5% increase compared to 2024 results.

Transaction Volume Rises Processed 724.0 million transactions in 2025, driven by new billers and existing partner activity growth.

Strong Free Cash Flow Free cash flow generation was $125.0M in 2025, resulting from stronger operating performance scaling the business.

Risk Factors

Growth Rate Sustainability Risk Historical growth rate may not sustain; failure to attract/retain billers and financial institutions could harm business.

Cost Increases Threaten Profitability Profitability uncertain due to expected cost increases that may not be offset by revenue growth or investment benefits.

Third-Party Service Interruptions Dependence on third-party processors, sponsor banks, and printers; service interruptions from these providers could harm operations.

Dual Class Structure Control Dual class stock structure concentrates voting control with AKKR, limiting stockholder influence on corporate matters.

Outlook

Win Larger Billers Strategically Plan to win new and larger billers, financial institutions, and partners by investing in IPN growth and superior product offering.

Invest in Platform Innovation Continue investing in platform and IPN to introduce new features, leveraging AI/ML for better functionality and growth.

International Expansion Focus Strategy focuses on leveraging existing relationships for international expansion, targeting Canada and India over time.

Expand New Channels Verticals Intend to leverage platform to expand into new channels and industry verticals, centering on favorable bill payment characteristics.

Peer Comparison

Revenue (TTM)

AVT

$23.15B

+3.0%

CNXC

$9.83B

+2.2%

NSIT

$8.25B

-5.2%

Gross Margin (Latest Quarter)

VRRM

102.1%

-1.1pp

EEFT

83.1%

+56.7pp

75.0%

-0.1pp

Key Metrics

Symbol	Market Cap	P/E (TTM)	ROE (TTM)	Debt to Assets
DOCN	$6.62B	25.4	-214.1%	39.8%
AVT	$4.93B	23.7	4.2%	25.4%
SAIC	$4.28B	11.7	23.7%	4.1%

Long-Term Trends

Last 4 Quarters

Revenue

Net Income

Operating Cash Flow

4Q Revenue CAGR

6.3%

Steady Growth

4Q Net Income CAGR

14.4%

Profitability Improving

Cash Flow Stability

100%

Strong Cash Flow

Deep Research

Next earnings:May 11, 2026

EPS:$0.17

Revenue:$335.45M

Financials

Earnings Calls

Reports

News

Income Statement

Balance Sheet

Cash Flow Statement

Ratios

% Chg.

Income Statement	LTM

No Data