Paymentus Holdings, Inc.
PAY NYSE· Services-Business Services, Nec
Last close · Oct 23, 2026
$33.35
KIRA · Stoqly’s AI analyst, in plain words
- Paymentus Holdings, Inc. had $1.2B of revenue in fiscal 2025, up 37.3% on the year before. Over five years, revenue changed +31.7% a year on average.
- Its operating margin was 6.3%, up 1.2 pts: of every 100 in sales, about 6 is left after running the business.
- Paymentus Holdings, Inc. made $66.9M of net profit in fiscal 2025. From fiscal 2019 to 2025, diluted EPS grew 36.6% a year.
- Free cash flow was $162M in fiscal 2025, 13.5% of revenue.
Market cap
$4.3B
P/E
50.5x
Revenue
$1.2B
Net income
$66.9M
Free cash flow
$162M
Operating margin
6.3%
Paymentus Holdings, Inc. in 30 seconds · fiscal 2025
Are sales growing?
+37.3%
Yes. Sales grew 37.3% last year.
Does it make a profit?
5.6%
A little. It keeps 5.6% of every sale as profit.
Does profit turn into cash?
13.5%
Yes. 13.5% of sales ends up as free cash.
How healthy are the accounts?
6 / 8
Mixed. It passes 6 of 8 health tests.
How is the share priced?
50.5x
One share costs 50.5 times its yearly profit per share.
What Paymentus Holdings, Inc. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 24, 2026
- Legal name
- Paymentus Holdings, Inc.
- CIK
- 0001841156
Paymentus Holdings, Inc. · PAY
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $396M | $497M | $614M | $872M | $1.2B |
| Revenue growth | 31.1% | 25.7% | 23.6% | 41.9% | 37.3% |
| Gross margin | 30.7% | 30.1% | 29.7% | 27.3% | 24.8% |
| Operating margin | 2.6% | −0.6% | 2.9% | 5.1% | 6.3% |
| Net income | $9.3M | −$0.5M | $22.3M | $44.2M | $66.9M |
| Net margin | 2.4% | −0.1% | 3.6% | 5.1% | 5.6% |
| Diluted EPS | $0.06 | $0.00 | $0.18 | $0.35 | $0.52 |
| Cash | |||||
| Cash from operations | $19.5M | $19.9M | $68.8M | $63.6M | $162M |
| Capital expenditure | $1.0M | $1.3M | $0.6M | $0.5M | $0.4M |
| Free cash flow | $18.5M | $18.6M | $68.2M | $63.2M | $162M |
| FCF margin | 4.7% | 3.7% | 11.1% | 7.2% | 13.5% |
| Share count change | 11.9% | 2.8% | 2.4% | 2.1% | 1.1% |
| Debt and strength | |||||
| Cash and short-term investments | $168M | $147M | $179M | $206M | $321M |
| Shareholders' equity | $386M | $397M | $430M | $486M | $560M |
| Current ratio | 3.4x | 4.4x | 4.3x | 4.2x | 4.5x |
| Returns and quality | |||||
| Return on equity | 4.0% | −0.1% | 5.4% | 9.7% | 12.8% |
| Return on tangible equity | 3.3% | −0.2% | 8.2% | 13.2% | 16.1% |
| Piotroski F-score | 4 | 4 | 5 | 5 | 6 |
| Altman Z'' | 7.5 | 9.2 | 9.3 | 9.7 | 10.4 |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$7.1M
2 insiders
Of sales under plans
100%
$7.1M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Operating margin:
- Operating income as a share of revenue.
- Net income:
- Profit after all expenses, interest and tax.
- Free cash flow:
- Cash from operations minus capital spending.
- Net debt / EBITDA:
- Years of EBITDA needed to pay off net debt. Below zero means more cash than debt.
- Return on capital:
- After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
Paymentus Holdings, Inc. · PAY
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Margins, % of revenue
Cash vs debt (incl. leases)
Free cash flow
Dividends and buybacks
KIRA
At $33.35 a share, the company is worth $4.3B: 50.5 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001841156). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.