logo
Twitter
Discord
Email
logo
Paymentus Holdings, Inc.

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
$3.71B
P/E (TTM)
63.1
34.4
Dividend Yield
--
52W High
$40.43
52W Low
$22.65
52W Range
39%
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

Q3 2025 Data

Revenue

$310.74M+34.19%
4-Quarter Trend

EPS

$0.14+16.67%
4-Quarter Trend

FCF

$34.97M-1681.77%
4-Quarter Trend

2025 Q3 Earnings Highlights

Key Highlights

Nine Month Revenue Soars Revenue reached $866.05M USD for nine months, marking a strong 41.1% increase over prior year period.
Operating Income Jumps Income from operations grew 67.8% to $51.47M USD for nine months, showing operating leverage improvement.
Cash Flow Generation Strong Net cash from operations was $117.00M USD for nine months, significantly higher than $35.72M USD last year.
Transaction Volume Increases Processed transactions hit 531.3M units for nine months, reflecting 23.3% growth driven by new and existing billers.

Risk Factors

Gross Margin Compression Noted Gross margin declined to 24.5% from 28.0% due to customer mix shift toward lower margin enterprise billers.
Economic Uncertainty Persists Elevated inflation and geopolitical tensions create uncertainty impacting consumer spending habits and processing costs.
Increased Operating Expenses Total operating expenses grew 13.7% for nine months, driven by R&D and G&A cost increases.
Contract Liabilities Growth Total contract liabilities increased to $6.44M USD as of September 30, 2025, requiring future revenue recognition.

Outlook

Focus on Growth Expansion Plans include expanding operations, enhancing platform features, and growing biller, partner, and consumer bases internationally.
Evaluating New Accounting Rules Currently evaluating potential impact of adopting FASB ASU 2025-05 regarding credit loss measurement for receivables.
Capital Resources Sufficient Unrestricted cash of $287.9M USD expected to support working capital needs for at least the next 12 months.
R&D Capitalization Stable Capitalized internal-use software development costs were $27.3M USD for nine months, slightly down from $27.4M USD prior.

Peer Comparison

Revenue (TTM)

Concentrix CorporationCNXC
$9.83B
+2.2%
Insight Enterprises, Inc.NSIT
$8.27B
-6.7%
Science Applications International CorporationSAIC
$7.35B
-0.4%

Gross Margin (Latest Quarter)

Verra Mobility CorporationVRRM
96.5%
-1.1pp
Euronet Worldwide, Inc.EEFT
83.6%
+56.7pp
DigitalOcean Holdings, Inc.DOCN
59.6%
-0.5pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
SAIC$5.07B13.924.3%3.2%
NOVT$4.96B93.96.8%33.6%
DOCN$4.90B19.5-153.0%92.3%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
6.4%
Steady Growth
4Q Net Income CAGR
10.5%
Profitability Improving
Cash Flow Stability
100%
Strong Cash Flow

Research & Insights

Next earnings:Mar 9, 2026
|
EPS:$0.18
|
Revenue:-
Reports
All Years

  • Form 10-Q - Q3 2025

    Period End: Sep 30, 2025|Filed: Nov 4, 2025|
    Revenue: $310.74M+34.2%
    |
    EPS: $0.14+16.7%
    Miss

  • Form 10-Q - Q2 2025

    Period End: Jun 30, 2025|Filed: Aug 5, 2025|
    Revenue: $280.08M+41.9%
    |
    EPS: $0.12+59.2%
    Miss

  • Form 10-Q - Q1 2025

    Period End: Mar 31, 2025|Filed: May 7, 2025|
    Revenue: $275.24M+48.9%
    |
    EPS: $0.11+88.7%
    Miss

  • Form 10-K - FY 2024

    Period End: Dec 31, 2024|Filed: Mar 11, 2025|
    Revenue: $871.75M+41.9%
    |
    EPS: $0.36+100.0%
    Beat

  • Form 10-Q - Q3 2024

    Period End: Sep 30, 2024|Filed: Nov 12, 2024|
    Revenue: $231.57M+51.9%
    |
    EPS: $0.12+132.6%
    Beat

  • Form 10-Q - Q2 2024

    Period End: Jun 30, 2024|Filed: Aug 9, 2024|
    Revenue: $197.42M+32.6%
    |
    EPS: $0.08+59.4%
    Miss

  • Form 10-Q - Q1 2024

    Period End: Mar 31, 2024|Filed: May 7, 2024|
    Revenue: $184.88M+24.6%
    |
    EPS: $0.06+922.8%
    Miss

  • Form 10-K - FY 2023

    Period End: Dec 31, 2023|Filed: Mar 5, 2024|
    Revenue: $614.49M+23.6%
    |
    EPS: $0.18+4385.7%
    Miss