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Paymentus Holdings, Inc.

PAY

$33.41 ▼ -0.09 (-0.25%) at close

8 Visible periods

28 Metrics

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Analytical Summary

Paymentus Holdings, Inc. shows mixed fundamentals. Consider comparing against peers in the Industrials sector before making investment decisions.

Market Cap $4.2B

Dividend Yield —

Revenue Growth 37.3% ↘

Op. Margin 6.3% ↗

ROIC 10.6% ↗

FCF / Share $1.29 ↗

Trailing P/E 63.0x

Price / Book 7.5x

FCF Yield 3.9%

Debt / Equity —

info Valuation on last close. End-of-day price, Nov 5, 2026.

8-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$1.20B

↑ +37.3% —

Net Income Profit after all expenses

$66.94M

↑ +51.5% —

Operating Margin Operating profit as % of sales

6.3%

↑ +22.7% 46th

FCF / Share Free cash flow per share

$1.29

↑ +154.3% —

Health Breakdown

Profitability ↑

Returns ↑

Cash Quality ↑

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Revenue Growth YoY (%)	37.3% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+645%)	41.9% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+737%)	23.6% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+373%)	25.7% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+413%)	31.1% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+521%)	28.0% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+460%)	—	—
EPS Growth YoY (%)	47.2% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	100.0% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	N/M	-25.0% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	-11.1% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	51.5% Excellent Excellent Year-over-year change in net income	97.9% Excellent Excellent Year-over-year change in net income	N/M	N/M	-32.2% Weak Weak Year-over-year change in net income	0.1% Caution Caution Year-over-year change in net income	—	—
FCF Growth YoY (%)	154.3% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	-8.0% Weak ↓ Weak Declining Year-over-year change in free cash flow	262.4% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	-7.2% Weak ↓ Weak Declining Year-over-year change in free cash flow	-51.7% Weak Weak Year-over-year change in free cash flow	113.5% Excellent Excellent Year-over-year change in free cash flow	—	—
Revenue CAGR 3Y (%)	34.0% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	30.1% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	26.7% Excellent Excellent Compound annual revenue growth over 3 years	28.2% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	31.7% Excellent Excellent Compound annual revenue growth over 5 years	29.9% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	—	81.7% Excellent Excellent Compound annual EPS growth over 3 years	31.0% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Operating Margin (%) (%)	6.3% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-47%)	5.1% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-57%)	2.9% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-75%)	-0.6% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-105%)	2.6% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-78%)	6.1% Caution Caution Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-49%)	7.8% Caution Caution Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-35%)	—
Effective Tax Rate (%) (%)	21.5% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.1% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	11.2% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	60.8% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	10.3% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.3% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.9% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	5.6% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-30%)	5.1% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-37%)	3.6% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-55%)	-0.1% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-101%)	2.4% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-71%)	4.5% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-43%)	5.8% Caution Caution Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-27%)	—
FCF Margin (%) (%)	13.5% Fair ↑ Fair Improving Free cash flow as a percentage of revenue Optimal: > 10%	7.2% Caution ↑ Caution Improving Free cash flow as a percentage of revenue Optimal: > 10%	11.1% Fair ↑ Fair Improving Free cash flow as a percentage of revenue Optimal: > 10%	3.7% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	4.7% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	11.7% Fair Fair Free cash flow as a percentage of revenue Optimal: > 10%	7.0% Caution Caution Free cash flow as a percentage of revenue Optimal: > 10%	—
FCF / Net Income (x)	2.42x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	1.43x Good ↑ Good Improving Free cash flow relative to reported net income Optimal: > 1x	3.06x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	-36.28x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	1.99x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	2.56x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	1.20x Good Good Free cash flow relative to reported net income Optimal: > 1x	—

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Return on Invested Capital (%)	10.6% Good ↑ Good Improving Return earned on debt + equity capital invested Optimal: > 10%	7.6% Fair ↑ Fair Improving Return earned on debt + equity capital invested Optimal: > 10%	3.7% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-0.3% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	2.4% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	16.3% Excellent Excellent Return earned on debt + equity capital invested Optimal: > 10%	19.8% Excellent Excellent Return earned on debt + equity capital invested Optimal: > 10%	—
Return on Capital (%) (%)	11.3% Good ↑ Good Improving Operating profit relative to total assets Optimal: > 10%	7.8% Fair ↑ Fair Improving Operating profit relative to total assets Optimal: > 10%	3.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	2.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	14.8% Good Good Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	11.9% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-20%)	9.1% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-39%)	5.2% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-65%)	-0.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-101%)	2.4% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-84%)	16.2% Good Good Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+8%)	20.0% Good Good Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+33%)	—

⚖️ Is the balance sheet risky? 1 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Net Debt (USD)	$-320.91M	$-205.90M	$-179.36M	$-147.33M	$-168.39M	$-46.67M	—	—

📊 What does each share earn? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Revenue per Share (USD)	$9.55	$7.01	$4.98	$4.07	$3.51	$2.92	$2.28	—
Basic EPS, GAAP (USD)	$0.53	$0.36	$0.18	$0.00	$0.06	$0.08	$0.09	—
Free Cash Flow per Share (USD)	$1.29	$0.51	$0.55	$0.15	$0.16	$0.34	$0.16	—
Book Value per Share (USD)	$4.47	$3.90	$3.48	$3.25	$3.42	$0.82	$0.66	—
Tangible Book Value per Share (USD)	$3.33	$2.69	$2.19	$1.88	$1.90	$0.68	$0.54	—
Basic Weighted Avg Shares (shares)	125.25M	124.37M	123.51M	122.10M	112.76M	103.48M	103.47M	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Working Capital (USD)	$342.48M	$264.09M	$207.56M	$177.47M	$182.00M	$48.72M	—	—
Total Equity (USD)	$560.39M	$485.60M	$429.62M	$397.18M	$386.13M	$84.38M	$68.60M	$53.21M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Sales/Revenue/Turnover (USD)	$1.20B	$871.75M	$614.49M	$497.00M	$395.52M	$301.77M	$235.78M	—
Depreciation Expense (USD)	$41.06M	$36.48M	$30.60M	$24.06M	$13.29M	$8.07M	$6.00M	—
Net Income, GAAP (USD)	$66.94M	$44.17M	$22.32M	$-513.00K	$9.30M	$13.71M	$13.70M	—
Operating Cash Flow (USD)	$162.13M	$63.63M	$68.83M	$19.87M	$19.49M	$35.62M	$17.51M	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 4 days ago 8 years · 29 quarters

Paymentus Holdings, Inc.

Analytical Summary

8-Year Financial Trajectory

Health Breakdown

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