Paymentus Holdings
PAY
31.32
-0.39
-1.23%
Paymentus Holdings
US · PAY
#2290 by market cap
Listed 2021
31.32
-0.39
-1.23%
Live - 5344 symbols - heartbeat 469s ago
· 2026-10-08 06:51
Pre-market
31.32
0.00%
After-hours
31.32
0.00%
- Market cap
- 3.94B
- P/E (TTM)i
- 47.45
- P/Bi
- 6.43
- EPSi
- 0.52
- Div yieldi
- 0.00%
- 52W posi
- 44%
Reader sentiment
Are you bullish or bearish on PAY?
Anonymous reader poll. Unscientific, not investment advice.
✦ Quant Financial Health how this is computed
Good
- Altman Z-Score is 25.14, above the 3.0 "safe zone" threshold.
- Most reliable for industrial/manufacturing companies; less meaningful for banks, insurers and other financials.
Revenue annual, last 7 years
Latest year +37.25% YoY
Margins
- Gross margin
- 24.77%
- Operating margin
- 6.31%
- Net margin
- 5.59%
Key ratios & quality
- Altman Z-Scorei
- 25.14
Altman Z-Score below ~1.8 suggests financial distress risk, above ~3.0 suggests low risk; the model is most reliable for industrial/manufacturing companies and less meaningful for banks and other financial firms.
Income statement
| Line item | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|
| Revenue | 235.78M | 301.77M | 395.52M | 497.00M | 614.49M | 871.75M | 1.20B |
| Gross profit | 74.43M | 92.63M | 121.38M | 149.68M | 182.34M | 238.17M | 296.34M |
| Selling & admin expenses | 38.20M | 49.69M | 76.89M | 111.43M | 120.00M | 141.98M | 159.33M |
| Research & development | 17.86M | 24.51M | 34.12M | 41.22M | 44.25M | 51.33M | 61.47M |
| Operating profit | 18.37M | 18.43M | 10.37M | -2.98M | 18.09M | 44.86M | 75.54M |
| Pretax profit | 18.48M | 18.36M | 10.37M | -1.31M | 25.12M | 53.94M | 85.28M |
| Tax | 4.78M | 4.65M | 1.07M | -795.00K | 2.80M | 9.78M | 18.34M |
| Net profit | 13.70M | 13.71M | 9.30M | -513.00K | 22.32M | 44.17M | 66.94M |
| Basic EPS | 0 | 0 | 0 | 0 | 0 | 0 | 1 |
| Diluted EPS | 0.08 | 0.07 | 0.06 | 0.00 | 0.18 | 0.35 | 0.52 |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Revenue | 275.24M | 280.08M | 310.74M | 330.46M | 358.44M | 360.74M |
| Gross profit | 66.02M | 71.48M | 74.85M | 83.99M | 86.23M | 94.31M |
| Selling & admin expenses | 35.23M | 40.32M | 39.77M | 44.00M | 43.35M | 46.37M |
| Research & development | 15.10M | 15.23M | 15.22M | 15.92M | 16.33M | 15.32M |
| Operating profit | 15.69M | 15.92M | 19.86M | 24.07M | 26.55M | 32.62M |
| Pretax profit | 17.80M | 18.37M | 22.60M | 26.50M | 29.09M | 35.66M |
| Tax | 3.99M | 3.66M | 4.86M | 5.83M | 8.21M | 10.10M |
| Net profit | 13.81M | 14.71M | 17.74M | 20.67M | 20.88M | 25.56M |
| Basic EPS | 0 | 0 | 0 | 0 | 0 | 0 |
| Diluted EPS | 0.11 | 0.11 | 0.14 | 0.16 | 0.16 | 0.20 |
Balance sheet
| Line item | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|
| Total current assets | 51.50M | 79.83M | 256.44M | 228.96M | 270.35M | 345.64M | 441.33M |
| Cash & ST investments | 27.43M | 46.67M | 168.39M | 147.33M | 179.36M | 205.90M | 320.91M |
| Inventory | -- | -- | -- | -- | -- | -- | -- |
| Total assets | 80.46M | 124.87M | 472.94M | 461.54M | 504.86M | 576.25M | 667.89M |
| Total current liabilities | 9.95M | 31.11M | 74.43M | 51.50M | 62.79M | 81.55M | 98.85M |
| Short-term debt | 627.00K | 4.14M | 3.84M | 3.28M | 1.85M | 2.09M | 2.29M |
| Long-term debt | -- | -- | -- | -- | -- | -- | -- |
| Total liabilities | 11,855,000.00 | 40,498,000.00 | 86,810,000.00 | 64,360,000.00 | 75,247,000.00 | 90,651,000.00 | 107,496,000.00 |
| Total equity | 68.60M | 84.38M | 386.13M | 397.18M | 429.62M | 485.60M | 560.39M |
| Retained earnings | 41.34M | 55.05M | 29.94M | 29.42M | 51.74M | 95.91M | 162.85M |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Total current assets | 361.51M | 380.93M | 417.11M | 441.33M | 472.50M | 494.47M |
| Cash & ST investments | 245.85M | 266.42M | 287.91M | 320.91M | 338.78M | 377.69M |
| Inventory | -- | -- | -- | -- | -- | -- |
| Total assets | 590.89M | 609.52M | 644.41M | 667.89M | 698.60M | 725.37M |
| Total current liabilities | 80.98M | 83.48M | 95.68M | 98.85M | 107.08M | 101.20M |
| Short-term debt | 2.10M | 2.23M | 2.25M | 2.29M | 2.38M | 2.83M |
| Long-term debt | -- | -- | -- | -- | -- | -- |
| Total liabilities | 90,493,000.00 | 92,824,000.00 | 107,010,000.00 | 107,496,000.00 | 115,111,000.00 | 111,953,000.00 |
| Total equity | 500.40M | 516.70M | 537.40M | 560.39M | 583.49M | 613.42M |
| Retained earnings | 109.73M | 124.43M | 142.18M | 162.85M | 183.73M | 209.29M |
Cash flow
| Line item | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|
| Operating cash flow | 17.51M | 35.62M | 19.49M | 19.87M | 68.83M | 63.63M | 162.13M |
| Depreciation & amortization | 6.00M | 8.07M | 13.30M | 24.06M | 30.60M | 36.48M | 41.06M |
| Free cash flow | 4.98M | 20.77M | -916.00K | -11.43M | 34.53M | 27.06M | 125.03M |
| Dividends paid | 0 | 0 | -34.41M | -- | -- | -- | -- |
| Stock buybacks / issuance | 59.00K | 0 | 274.60M | -- | -- | -- | -- |
| Ending cash balance | 27.43M | 46.67M | 201.83M | 149.69M | 183.20M | 209.41M | 324.54M |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| Operating cash flow | 50.44M | 31.48M | 35.08M | 45.13M | 30.45M | 48.86M |
| Depreciation & amortization | 10.74M | 10.48M | 10.27M | 9.57M | 9.89M | 9.43M |
| Free cash flow | 41.10M | 22.48M | 25.73M | 35.73M | 20.91M | 39.03M |
| Dividends paid | -- | -- | -- | -- | -- | -- |
| Stock buybacks / issuance | -- | -- | -- | -- | -- | -- |
| Ending cash balance | 249.65M | 270.05M | 291.47M | 324.54M | 342.13M | 379.70M |
Returns & efficiency
| Line item | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|
| ROE %i | 13.12 | 11.15 | 2.99 | -0.13 | 5.40 | 9.65 | 12.80 |
| ROA %i | 11.19 | 8.30 | 2.36 | -0.11 | 4.62 | 8.17 | 10.76 |
| ROIC %i | 13.00 | 10.42 | 2.87 | -0.13 | 5.25 | 7.92 | 11.21 |
| 5-year avg ROE %i | -- | -- | -- | -- | 6.51 | 5.81 | 6.14 |
| EBIT margin %i | 7.79 | 6.11 | 2.62 | -0.60 | 2.94 | 5.15 | 6.31 |
| FCF / sales %i | 2.11 | 6.88 | -- | -- | 5.62 | 3.10 | 10.45 |
| Current ratioi | 5.18 | 2.57 | 3.45 | 4.45 | 4.31 | 4.24 | 4.46 |
| Quick ratioi | 4.91 | 2.47 | 2.89 | 4.21 | 4.08 | 4.04 | 4.29 |
| Debt / assetsi | 0.78 | 8.03 | 2.36 | 2.74 | 2.08 | 1.46 | 1.03 |
| LT debt / equityi | -- | 6.98 | 1.90 | 2.36 | 2.02 | 1.30 | 0.81 |
| Interest coveragei | -- | -- | 1,728.67 | -- | -- | -- | -- |
| Revenue CAGR (3Y) %i | -- | -- | -- | 28.22 | 26.75 | 30.14 | 34.03 |
| Net income CAGR (3Y) %i | -- | -- | -- | -- | 17.64 | 68.09 | -- |
| FCF CAGR (3Y) %i | -- | -- | -- | -- | 18.46 | -- | -- |
| Line item | 2025-03 | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 |
|---|---|---|---|---|---|---|
| ROE %i | 10.80 | 11.59 | 11.81 | 12.80 | 13.66 | 15.02 |
| ROA %i | 9.19 | 9.87 | 9.92 | 10.76 | 11.48 | 12.71 |
| ROIC %i | 9.10 | 9.89 | 10.23 | 11.21 | 12.08 | 13.41 |
| 5-year avg ROE %i | -- | -- | -- | -- | -- | -- |
| EBIT margin %i | 5.43 | 5.54 | 5.84 | 6.31 | 6.75 | 7.58 |
| FCF / sales %i | 6.92 | 7.69 | 9.63 | 10.45 | 8.19 | 8.92 |
| Current ratioi | 4.46 | 4.56 | 4.36 | 4.46 | 4.41 | 4.89 |
| Quick ratioi | 4.27 | 4.39 | 4.16 | 4.29 | 4.27 | 4.79 |
| Debt / assetsi | 1.34 | 1.32 | 1.14 | 1.03 | 0.95 | 1.22 |
| LT debt / equityi | 1.16 | 1.12 | 0.95 | 0.81 | 0.73 | 0.98 |
| Interest coveragei | -- | -- | -- | -- | -- | -- |
| Revenue CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
| Net income CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
| FCF CAGR (3Y) %i | -- | -- | -- | -- | -- | -- |
Revenue breakdown most recent period
Business
Single segment100.00%
Quote time 2026-10-08 06:51:44 · For reference only, not investment advice and not tailored to your situation.