PAY - Paymentus Holdings, Inc.

📈 Is growth accelerating? 7 metrics

Metric	Q3 FY2026 Sep 30, 2026 10-Q ↗	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q4 FY2018 Dec 31, 2018 10-K ↗
Revenue Growth YoY (%)	19.8% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+295%)	28.8% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+476%)	30.2% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+505%)	28.1% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+463%)	34.2% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+584%)	41.9% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+737%)	48.9% Excellent → Excellent Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+878%)	56.5% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1030%)	51.9% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+939%)	32.6% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+551%)	24.6% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+393%)	24.7% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+394%)	18.9% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+279%)	24.1% Excellent → Excellent Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+383%)	27.1% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+442%)	22.2% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+345%)	26.0% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+421%)	28.3% Excellent → Excellent Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+466%)	26.5% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+431%)	31.2% Excellent → Excellent Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+524%)	30.3% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+506%)	30.3% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+507%)	—	—	—	—	—	—	—
EPS Growth YoY (%)	57.1% Excellent → Excellent Stable Year-over-year change in earnings per share Optimal: > 10%	66.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	54.5% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	45.5% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	16.7% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	50.0% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	83.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	37.5% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	140.0% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	60.0% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	500.0% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	700.0% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	0.0% Caution Caution Year-over-year change in earnings per share Optimal: > 10%	-75.0% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—	-50.0% Weak Weak 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	N/M	—	—	—	—	—	—	—
Net Income Growth YoY (%)	51.2% Excellent → Excellent Stable Year-over-year change in net income	51.2% Excellent ↓ Excellent Declining Year-over-year change in net income	51.2% Excellent ↓ Excellent Declining Year-over-year change in net income	57.2% Excellent ↓ Excellent Declining Year-over-year change in net income	91.2% Excellent ↑ Excellent Improving Year-over-year change in net income	91.2% Excellent ↓ Excellent Declining Year-over-year change in net income	91.2% Excellent ↓ Excellent Declining Year-over-year change in net income	39.9% Excellent ↓ Excellent Declining Year-over-year change in net income	926.4% Excellent → Excellent Stable Year-over-year change in net income	926.4% Excellent ↑ Excellent Improving Year-over-year change in net income	926.4% Excellent ↑ Excellent Improving Year-over-year change in net income	882.4% Excellent ↑ Excellent Improving Year-over-year change in net income	-59.0% Weak ↑ Weak Improving Year-over-year change in net income	-59.0% Weak ↑ Weak Improving Year-over-year change in net income	-59.0% Weak → Weak Stable Year-over-year change in net income	-79.5% Weak ↓ Weak Declining Year-over-year change in net income	-52.8% Weak ↓ Weak Declining Year-over-year change in net income	-52.8% Weak ↓ Weak Declining Year-over-year change in net income	-52.8% Weak ↓ Weak Declining Year-over-year change in net income	28.4% Excellent ↓ Excellent Declining Year-over-year change in net income	30.9% Excellent Excellent Year-over-year change in net income	30.9% Excellent Excellent Year-over-year change in net income	—	—	—	—	—	—	—
FCF Growth YoY (%)	—	—	-40.1% Weak Weak Year-over-year change in free cash flow	—	—	—	361.1% Excellent Excellent Year-over-year change in free cash flow	—	—	—	129.6% Excellent Excellent Year-over-year change in free cash flow	—	—	—	69.4% Excellent Excellent Year-over-year change in free cash flow	—	—	—	-66.9% Weak Weak Year-over-year change in free cash flow	—	—	—	—	—	—	—	—	—	—
Revenue CAGR 3Y (%)	34.7% Excellent → Excellent Stable Compound annual revenue growth over 3 years	34.3% Excellent → Excellent Stable Compound annual revenue growth over 3 years	34.2% Excellent → Excellent Stable Compound annual revenue growth over 3 years	35.7% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	34.3% Excellent → Excellent Stable Compound annual revenue growth over 3 years	32.7% Excellent → Excellent Stable Compound annual revenue growth over 3 years	33.1% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	33.6% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	31.6% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	28.3% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	26.1% Excellent → Excellent Stable Compound annual revenue growth over 3 years	26.0% Excellent → Excellent Stable Compound annual revenue growth over 3 years	25.0% Excellent Excellent Compound annual revenue growth over 3 years	27.6% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Revenue CAGR 5Y (%)	29.6% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	31.0% Excellent → Excellent Stable Compound annual revenue growth over 5 years	31.2% Excellent → Excellent Stable Compound annual revenue growth over 5 years	32.0% Excellent → Excellent Stable Compound annual revenue growth over 5 years	31.8% Excellent Excellent Compound annual revenue growth over 5 years	31.3% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
EPS CAGR 3Y (%)	63.9% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	58.7% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	157.1% Excellent Excellent Compound annual EPS growth over 3 years	152.0% Excellent Excellent Compound annual EPS growth over 3 years	—	—	122.4% Excellent Excellent Compound annual EPS growth over 3 years	40.1% Excellent Excellent Compound annual EPS growth over 3 years	—	—	44.2% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	58.7% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	71.0% Excellent Excellent Compound annual EPS growth over 3 years	18.6% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	Q3 FY2026 Sep 30, 2026 10-Q ↗	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q4 FY2018 Dec 31, 2018 10-K ↗
Operating Margin (%) (%)	9.0% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-25%)	9.0% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-25%)	7.4% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-38%)	7.3% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-39%)	6.4% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-47%)	5.7% Weak → Weak Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-53%)	5.7% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-52%)	5.5% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-54%)	5.2% Weak → Weak Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-57%)	5.2% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-57%)	4.5% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-62%)	5.5% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-54%)	3.5% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-71%)	3.1% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-74%)	-0.7% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-106%)	1.2% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-90%)	-0.7% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-106%)	-1.9% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-115%)	-1.2% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-110%)	0.3% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-98%)	1.1% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-91%)	4.4% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-64%)	5.3% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-56%)	6.0% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-50%)	4.4% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-63%)	8.8% Caution Caution Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-27%)	—	—	—
Effective Tax Rate (%) (%)	25.4% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	28.3% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	28.2% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.0% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.5% Fair → Fair Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.9% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	22.4% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.2% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	0.0% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.9% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	32.8% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.1% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	11.4% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	7.0% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-57.1% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	62.6% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-67.1% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-18.2% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	227.0% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-1414.6% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	62.4% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	85.9% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.1% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.2% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.3% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.6% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—
Profit Margin (%) (%)	5.6% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-30%)	5.8% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-28%)	5.8% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-27%)	6.3% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-22%)	4.4% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-44%)	4.9% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-38%)	5.0% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-37%)	5.1% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-36%)	3.1% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-61%)	3.7% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-54%)	3.9% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-51%)	5.7% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-29%)	0.5% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-94%)	0.5% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-94%)	0.5% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-94%)	0.7% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-91%)	1.3% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-83%)	1.4% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-82%)	1.5% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-82%)	4.3% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-46%)	3.6% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-55%)	3.9% Weak → Weak Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-51%)	3.9% Weak → Weak Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-51%)	4.4% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-45%)	3.6% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-55%)	3.9% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-52%)	—	—	—
FCF Margin (%) (%)	11.7% Fair → Fair Stable Free cash flow as a percentage of revenue Optimal: > 10%	13.5% Fair ↑ Fair Improving Free cash flow as a percentage of revenue Optimal: > 10%	8.5% Caution Caution Free cash flow as a percentage of revenue Optimal: > 10%	13.6% Fair Fair Free cash flow as a percentage of revenue Optimal: > 10%	—	—	18.3% Good Good Free cash flow as a percentage of revenue Optimal: > 10%	10.8% Fair Fair Free cash flow as a percentage of revenue Optimal: > 10%	—	—	5.9% Caution Caution Free cash flow as a percentage of revenue Optimal: > 10%	14.8% Fair Fair Free cash flow as a percentage of revenue Optimal: > 10%	—	—	3.2% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	11.1% Fair Fair Free cash flow as a percentage of revenue Optimal: > 10%	—	—	2.3% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	-0.0% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	—	—	7.6% Caution ↓ Caution Declining Free cash flow as a percentage of revenue Optimal: > 10%	9.0% Caution Caution Free cash flow as a percentage of revenue Optimal: > 10%	15.6% Good Good Free cash flow as a percentage of revenue Optimal: > 10%	—	—	—	—
FCF / Net Income (x)	2.08x Excellent → Excellent Stable Free cash flow relative to reported net income Optimal: > 1x	2.33x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	1.45x Good Good Free cash flow relative to reported net income Optimal: > 1x	2.18x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	—	—	3.65x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	2.12x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	—	—	1.50x Good Good Free cash flow relative to reported net income Optimal: > 1x	2.59x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	—	—	6.67x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	15.29x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	—	—	1.58x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	-0.00x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	—	—	1.93x Excellent ↓ Excellent Declining Free cash flow relative to reported net income Optimal: > 1x	2.04x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	4.37x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	—	—	—	—

🎯 Is capital allocation efficient? 3 metrics

Metric	Q3 FY2026 Sep 30, 2026 10-Q ↗	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q4 FY2018 Dec 31, 2018 10-K ↗
Return on Invested Capital (%)	3.9% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	3.8% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	3.3% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	3.4% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	2.9% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	2.5% Weak → Weak Stable Return earned on debt + equity capital invested Optimal: > 10%	2.4% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	2.4% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	2.6% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	1.7% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	1.3% Weak → Weak Stable Return earned on debt + equity capital invested Optimal: > 10%	1.8% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	1.1% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	1.1% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-0.4% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	0.1% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-0.4% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-0.7% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	0.4% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	1.2% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	0.1% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	0.2% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	4.1% Caution ↓ Caution Declining Return earned on debt + equity capital invested Optimal: > 10%	4.3% Caution ↓ Caution Declining Return earned on debt + equity capital invested Optimal: > 10%	3.3% Weak Weak Return earned on debt + equity capital invested Optimal: > 10%	6.1% Caution Caution Return earned on debt + equity capital invested Optimal: > 10%	—	—	—
Return on Capital (%) (%)	4.4% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	4.5% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	3.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	3.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	3.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	2.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	2.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	2.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	2.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	—	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	—	-0.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-0.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	—	0.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	1.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	—	—	—	—
Return on Common Equity (%) (%)	3.2% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-78%)	3.4% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-77%)	3.6% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-76%)	3.7% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-75%)	2.6% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-83%)	2.7% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-82%)	2.8% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-82%)	2.7% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-82%)	1.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-90%)	1.6% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-89%)	1.6% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-89%)	2.2% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-85%)	0.2% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-99%)	0.2% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-99%)	0.2% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-99%)	0.2% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-98%)	0.4% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-97%)	0.4% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-97%)	0.4% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-97%)	1.2% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-92%)	1.0% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-94%)	1.2% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-92%)	4.1% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-73%)	4.3% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-71%)	3.5% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-77%)	3.6% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-76%)	—	—	—

⚖️ Is the balance sheet risky? 1 metrics

Metric	Q3 FY2026 Sep 30, 2026 10-Q ↗	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q4 FY2018 Dec 31, 2018 10-K ↗
Net Debt (USD)	$-407.62M	$-377.69M	$-338.78M	$-320.91M	$-287.91M	$-266.42M	$-245.85M	$-205.90M	$-187.54M	$-188.81M	$-180.14M	—	$-162.06M	$-159.07M	$-143.64M	—	$-148.31M	$-158.34M	$-163.38M	—	$-177.51M	$-266.39M	—	—	—	—	—	—	—

📊 What does each share earn? 6 metrics

Metric	Q3 FY2026 Sep 30, 2026 10-Q ↗	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q4 FY2018 Dec 31, 2018 10-K ↗
Revenue per Share (USD)	$2.95	$2.87	$2.85	—	$2.48	$2.24	$2.20	—	$1.86	$1.59	$1.49	—	$1.23	$1.21	$1.20	—	$1.04	$0.99	$0.97	—	$0.86	$0.86	$0.89	—	$0.75	$0.69	—	—	—
Basic EPS, GAAP (USD)	$0.22	$0.20	$0.17	$0.16	$0.14	$0.12	$0.11	$0.11	$0.12	$0.08	$0.06	$0.08	$0.05	$0.05	$0.01	$0.01	$-0.01	$-0.02	$0.01	$0.04	$0.00	$0.00	$0.02	$0.02	$0.01	$0.03	—	—	—
Free Cash Flow per Share (USD)	$0.34	$0.39	$0.24	—	—	—	$0.40	—	—	—	$0.09	—	—	—	$0.04	—	—	—	$0.02	—	—	—	$0.07	—	$0.12	—	—	—	—
Book Value per Share (USD)	$5.10	$4.87	$4.64	—	$4.29	$4.13	$4.01	—	$3.76	$3.63	$3.54	—	$3.38	$3.31	$3.24	—	$3.21	$3.19	$3.22	—	$3.20	$2.85	$0.86	—	$0.77	$0.74	—	—	—
Tangible Book Value per Share (USD)	$4.06	$3.74	$3.51	—	$3.13	$2.96	$2.81	—	$2.54	$2.39	$2.28	—	$2.07	$1.99	$1.90	—	$1.86	$1.81	$1.82	—	$1.74	$2.72	$0.86	—	$0.77	$0.74	—	—	—
Basic Weighted Avg Shares (shares)	126.03M	125.86M	125.67M	—	125.34M	125.08M	124.94M	—	124.54M	124.26M	123.95M	—	123.62M	123.38M	123.29M	—	122.74M	121.64M	120.90M	—	118.21M	108.97M	103.48M	—	103.48M	103.48M	—	—	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	Q3 FY2026 Sep 30, 2026 10-Q ↗	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q4 FY2018 Dec 31, 2018 10-K ↗
Working Capital (USD)	$423.16M	$393.27M	$365.42M	$342.48M	$321.43M	$297.45M	$280.54M	$264.09M	$245.85M	$229.58M	$217.02M	—	$195.53M	$189.76M	$181.22M	—	$178.54M	$176.79M	$185.03M	—	$179.49M	$269.74M	—	—	—	—	—	—	—
Total Equity (USD)	$643.24M	$613.42M	$583.49M	$560.39M	$537.40M	$516.70M	$500.39M	$485.60M	$468.79M	$451.63M	$439.38M	$429.62M	$417.45M	$408.44M	$400.04M	$397.18M	$394.04M	$388.17M	$389.09M	$386.13M	$378.54M	$310.19M	$89.41M	$84.38M	$80.17M	$76.99M	$71.83M	$68.60M	$53.21M

📋 What is driving earnings? 4 metrics

Metric	Q3 FY2026 Sep 30, 2026 10-Q ↗	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q4 FY2018 Dec 31, 2018 10-K ↗
Sales/Revenue/Turnover (USD)	$372.18M	$360.74M	$358.44M	$330.46M	$310.74M	$280.08M	$275.24M	$257.88M	$231.57M	$197.42M	$184.88M	$164.80M	$152.42M	$148.94M	$148.33M	$132.18M	$128.15M	$119.97M	$116.70M	$108.13M	$101.68M	$93.50M	$92.22M	$82.42M	$78.02M	$71.73M	—	—	—
Depreciation Expense (USD)	$9.63M	$9.43M	$9.89M	$9.57M	—	—	$10.74M	$9.66M	—	—	$8.54M	$8.29M	—	—	$7.24M	$6.54M	—	—	$5.47M	$4.71M	—	—	$2.39M	$2.06M	$2.00M	—	—	—	—
Net Income, GAAP (USD)	$20.88M	$20.88M	$20.88M	$20.67M	$13.81M	$13.81M	$13.81M	$13.15M	$7.23M	$7.23M	$7.23M	$9.40M	$704.00K	$704.00K	$704.00K	$957.00K	$1.72M	$1.72M	$1.72M	$4.67M	$3.64M	$3.64M	$3.64M	$3.63M	$2.78M	$2.78M	—	—	—
Operating Cash Flow (USD)	$43.62M	$48.86M	$30.45M	$45.13M	—	—	$50.44M	$27.91M	—	—	$10.95M	$24.44M	—	—	$4.76M	$14.72M	—	—	$3.25M	$136.00K	—	—	$7.18M	$7.49M	$12.21M	—	—	—	—

Paymentus Holdings, Inc.

Analytical Summary

29-Year Financial Trajectory

Health Breakdown

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