What is Paymentus Holdings Inc's earnings per share (EPS)?

Paymentus Holdings Inc (PAY) reported diluted earnings per share of $0.52 for fiscal year 2025. This represents a 48.6% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Paymentus Holdings Inc Financials

PAY

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Paymentus Holdings Inc (PAY) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 7 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 69/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Profitability

Paymentus Holdings Inc has an operating margin of 6.3%, meaning the company retains $6 of operating profit per $100 of revenue. This results in a moderate score of 36/100, indicating healthy but not exceptional operating efficiency. This is up from 5.1% the prior year.

Growth

Paymentus Holdings Inc's revenue surged 37.3% year-over-year to $1.2B, reflecting rapid business expansion. This strong growth earns a score of 95/100.

Leverage

Paymentus Holdings Inc carries a low D/E ratio of 0.19, meaning only $0.19 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 98/100, indicating a strong balance sheet with room for future borrowing.

Liquidity

With a current ratio of 4.46, Paymentus Holdings Inc holds $4.46 in current assets for every $1 of short-term obligations. This comfortable liquidity earns a score of 89/100.

Cash Flow

Paymentus Holdings Inc has a free cash flow margin of 13.5%, earning a moderate score of 59/100. The company generates positive cash flow after capital investments, but with room for improvement.

Returns

Paymentus Holdings Inc's ROE of 11.9% shows moderate profitability relative to equity, earning a score of 38/100. This is up from 9.1% the prior year.

Altman Z-Score Safe

20.55

Paymentus Holdings Inc scores 20.55, well above the 2.99 safe threshold. The score is driven primarily by a large market capitalization ($3.1B) relative to total liabilities ($107.5M). This indicates low bankruptcy risk based on profitability, leverage, and asset efficiency.

Piotroski F-Score Neutral

6/9

Paymentus Holdings Inc passes 6 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, 1 of 2 efficiency signals pass.

Earnings Quality Cash-Backed

2.42x

For every $1 of reported earnings, Paymentus Holdings Inc generates $2.42 in operating cash flow ($162.1M OCF vs $66.9M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$1.2B

YoY+37.3%

5Y CAGR+31.7%

Paymentus Holdings Inc generated $1.2B in revenue in fiscal year 2025. This represents an increase of 37.3% from the prior year.

EBITDA

$116.6M

YoY+43.3%

5Y CAGR+34.5%

Paymentus Holdings Inc's EBITDA was $116.6M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents an increase of 43.3% from the prior year.

Net Income

$66.9M

YoY+51.5%

5Y CAGR+37.3%

Paymentus Holdings Inc reported $66.9M in net income in fiscal year 2025. This represents an increase of 51.5% from the prior year.

EPS (Diluted)

$0.52

YoY+48.6%

5Y CAGR+45.4%

Paymentus Holdings Inc earned $0.52 per diluted share (EPS) in fiscal year 2025. This represents an increase of 48.6% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$161.8M

YoY+156.1%

5Y CAGR+35.7%

Paymentus Holdings Inc generated $161.8M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 156.1% from the prior year.

Cash & Debt

$320.9M

YoY+55.9%

5Y CAGR+47.1%

Paymentus Holdings Inc held $320.9M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

N/A

Shares Outstanding

N/A

Margins & Returns

Gross Margin

24.8%

YoY-2.5pp

5Y CAGR-5.9pp

Paymentus Holdings Inc's gross margin was 24.8% in fiscal year 2025, indicating the percentage of revenue retained after direct costs. This is down 2.5 percentage points from the prior year.

Operating Margin

6.3%

YoY+1.2pp

5Y CAGR+0.2pp

Paymentus Holdings Inc's operating margin was 6.3% in fiscal year 2025, reflecting core business profitability. This is up 1.2 percentage points from the prior year.

Net Margin

5.6%

YoY+0.5pp

5Y CAGR+1.0pp

Paymentus Holdings Inc's net profit margin was 5.6% in fiscal year 2025, showing the share of revenue converted to profit. This is up 0.5 percentage points from the prior year.

Return on Equity

11.9%

YoY+2.8pp

5Y CAGR-4.3pp

Paymentus Holdings Inc's ROE was 11.9% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 2.8 percentage points from the prior year.

Capital Allocation

R&D Spending

$61.5M

YoY+19.8%

5Y CAGR+20.2%

Paymentus Holdings Inc invested $61.5M in research and development in fiscal year 2025. This represents an increase of 19.8% from the prior year.

Share Buybacks

N/A

Capital Expenditures

$361K

YoY-21.0%

5Y CAGR-4.6%

Paymentus Holdings Inc invested $361K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 21.0% from the prior year.

PAY Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$1.2B+37.3%	$871.7M+41.9%	$614.5M+23.6%	$497.0M+25.7%	$395.5M+31.1%	$301.8M
Cost of Revenue	$900.2M+42.1%	$633.6M+46.6%	$432.1M+24.4%	$347.3M+26.7%	$274.1M+31.1%	$209.1M
Gross Profit	$296.3M+24.4%	$238.2M+30.6%	$182.3M+21.8%	$149.7M+23.3%	$121.4M+31.0%	$92.6M
R&D Expenses	$61.5M+19.8%	$51.3M+16.0%	$44.2M+7.3%	$41.2M+20.8%	$34.1M+39.2%	$24.5M
SG&A Expenses	$47.4M+28.4%	$36.9M+2.6%	$36.0M-5.6%	$38.1M+15.7%	$33.0M+84.7%	$17.8M
Operating Income	$75.5M+68.4%	$44.9M+147.9%	$18.1M+708.0%	-$3.0M-128.7%	$10.4M-43.7%	$18.4M
Interest Expense	N/A	N/A	N/A	N/A	N/A	N/A
Income Tax	$18.3M+87.6%	$9.8M+248.9%	$2.8M+452.5%	-$795K-174.6%	$1.1M-77.1%	$4.7M
Net Income	$66.9M+51.5%	$44.2M+97.9%	$22.3M+4451.3%	-$513K-105.5%	$9.3M-32.2%	$13.7M
EPS (Diluted)	$0.52+48.6%	$0.35+94.4%	$0.18	$0.00-100.0%	$0.06-25.0%	$0.08

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$330.5M+6.3%	$310.7M+10.9%	$280.1M+1.8%	$275.2M+6.7%	$257.9M+11.4%	$231.6M+17.3%	$197.4M+6.8%	$184.9M
Cost of Revenue	$246.5M+4.5%	$235.9M+13.1%	$208.6M-0.3%	$209.2M+9.1%	$191.8M+12.3%	$170.9M+23.2%	$138.7M+4.9%	$132.2M
Gross Profit	$84.0M+12.2%	$74.8M+4.7%	$71.5M+8.3%	$66.0M0.0%	$66.0M+8.8%	$60.7M+3.3%	$58.8M+11.4%	$52.7M
R&D Expenses	$15.9M+4.6%	$15.2M-0.1%	$15.2M+0.9%	$15.1M+11.4%	$13.6M+2.8%	$13.2M+5.2%	$12.5M+4.0%	$12.1M
SG&A Expenses	$13.2M-7.6%	$14.3M+33.4%	$10.7M+16.7%	$9.2M-5.2%	$9.7M+8.3%	$8.9M-3.0%	$9.2M+1.3%	$9.1M
Operating Income	$24.1M+21.2%	$19.9M+24.7%	$15.9M+1.5%	$15.7M+10.6%	$14.2M+17.4%	$12.1M+18.1%	$10.2M+22.7%	$8.3M
Interest Expense	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Income Tax	$5.8M+20.0%	$4.9M+32.7%	$3.7M-8.2%	$4.0M+27.4%	$3.1M+62520.0%	$5K-99.8%	$3.1M-12.1%	$3.5M
Net Income	$20.7M+16.5%	$17.7M+20.7%	$14.7M+6.5%	$13.8M+5.0%	$13.1M-8.9%	$14.4M+54.1%	$9.4M+29.6%	$7.2M
EPS (Diluted)	N/A	$0.14+27.3%	$0.110.0%	$0.11	N/A	$0.11+57.1%	$0.07+16.7%	$0.06

PAY Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$667.9M+15.9%	$576.2M+14.1%	$504.9M+9.4%	$461.5M-2.4%	$472.9M+278.7%	$124.9M
Current Assets	$441.3M+27.7%	$345.6M+27.9%	$270.3M+18.1%	$229.0M-10.7%	$256.4M+221.2%	$79.8M
Cash & Equivalents	$320.9M+55.9%	$205.9M+14.8%	$179.4M+21.7%	$147.3M-12.5%	$168.4M+260.8%	$46.7M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$131.8M0.0%	$131.8M0.0%	$131.9M0.0%	$131.9M+1.9%	$129.4M+880.0%	$13.2M
Total Liabilities	$107.5M+18.6%	$90.7M+20.5%	$75.2M+16.9%	$64.4M-25.9%	$86.8M+114.4%	$40.5M
Current Liabilities	$98.8M+21.2%	$81.5M+29.9%	$62.8M+21.9%	$51.5M-30.8%	$74.4M+139.2%	$31.1M
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$560.4M+15.4%	$485.6M+13.0%	$429.6M+8.2%	$397.2M+2.9%	$386.1M+357.6%	$84.4M
Retained Earnings	$162.8M+69.8%	$95.9M+85.4%	$51.7M+75.9%	$29.4M-1.7%	$29.9M-45.6%	$55.0M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$667.9M+3.6%	$644.4M+5.7%	$609.5M+3.2%	$590.9M+2.5%	$576.2M+4.2%	$552.9M+4.8%	$527.7M+2.7%	$514.0M
Current Assets	$441.3M+5.8%	$417.1M+9.5%	$380.9M+5.4%	$361.5M+4.6%	$345.6M+8.0%	$320.1M+8.8%	$294.2M+5.2%	$279.6M
Cash & Equivalents	$320.9M+11.5%	$287.9M+8.1%	$266.4M+8.4%	$245.8M+19.4%	$205.9M+9.8%	$187.5M-0.7%	$188.8M+4.8%	$180.1M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$131.8M0.0%	$131.8M0.0%	$131.8M0.0%	$131.8M0.0%	$131.8M0.0%	$131.8M0.0%	$131.8M0.0%	$131.8M
Total Liabilities	$107.5M+0.5%	$107.0M+15.3%	$92.8M+2.6%	$90.5M-0.2%	$90.7M+7.7%	$84.1M+10.5%	$76.1M+2.0%	$74.6M
Current Liabilities	$98.8M+3.3%	$95.7M+14.6%	$83.5M+3.1%	$81.0M-0.7%	$81.5M+9.8%	$74.2M+14.9%	$64.6M+3.2%	$62.6M
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$560.4M+4.3%	$537.4M+4.0%	$516.7M+3.3%	$500.4M+3.0%	$485.6M+3.6%	$468.8M+3.8%	$451.6M+2.8%	$439.4M
Retained Earnings	$162.8M+14.5%	$142.2M+14.3%	$124.4M+13.4%	$109.7M+14.4%	$95.9M+15.9%	$82.8M+21.1%	$68.3M+15.9%	$59.0M

PAY Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$162.1M+154.8%	$63.6M-7.5%	$68.8M+246.4%	$19.9M+1.9%	$19.5M-45.3%	$35.6M
Capital Expenditures	$361K-21.0%	$457K-23.8%	$600K-52.3%	$1.3M+28.4%	$979K+113.8%	$458K
Free Cash Flow	$161.8M+156.1%	$63.2M-7.4%	$68.2M+266.6%	$18.6M+0.5%	$18.5M-47.3%	$35.2M
Investing Cash Flow	-$36.5M+0.7%	-$36.8M-7.2%	-$34.3M+0.8%	-$34.6M+55.6%	-$77.8M-414.0%	-$15.1M
Financing Cash Flow	-$10.6M-5009.7%	-$207K+82.7%	-$1.2M+96.8%	-$37.3M-117.5%	$213.5M+15820.7%	-$1.4M
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$45.1M+28.7%	$35.1M+11.4%	$31.5M-37.6%	$50.4M+80.7%	$27.9M+314.3%	$6.7M-62.6%	$18.0M+64.6%	$11.0M
Capital Expenditures	$82K-20.4%	$103K-11.2%	$116K+93.3%	$60K-25.9%	$81K+12.5%	$72K-61.7%	$188K+62.1%	$116K
Free Cash Flow	$45.0M+28.8%	$35.0M+11.5%	$31.4M-37.7%	$50.4M+81.0%	$27.8M+317.6%	$6.7M-62.6%	$17.8M+64.6%	$10.8M
Investing Cash Flow	-$8.7M+13.2%	-$10.1M-6.9%	-$9.4M-13.7%	-$8.3M+9.4%	-$9.1M-3.6%	-$8.8M+4.8%	-$9.3M+2.5%	-$9.5M
Financing Cash Flow	-$3.5M-2.8%	-$3.4M-91.2%	-$1.8M+5.9%	-$1.9M-1139.6%	$182K+1010.0%	-$20K-154.1%	$37K+109.1%	-$406K
Dividends Paid	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

PAY Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	24.8%-2.5pp	27.3%-2.4pp	29.7%-0.5pp	30.1%-0.6pp	30.7%0.0pp	30.7%
Operating Margin	6.3%+1.2pp	5.1%+2.2pp	2.9%+3.5pp	-0.6%-3.2pp	2.6%-3.5pp	6.1%
Net Margin	5.6%+0.5pp	5.1%+1.4pp	3.6%+3.7pp	-0.1%-2.5pp	2.4%-2.2pp	4.5%
Return on Equity	11.9%+2.8pp	9.1%+3.9pp	5.2%+5.3pp	-0.1%-2.5pp	2.4%-13.8pp	16.3%
Return on Assets	10.0%+2.4pp	7.7%+3.2pp	4.4%+4.5pp	-0.1%-2.1pp	2.0%-9.0pp	11.0%
Current Ratio	4.46+0.2	4.24-0.1	4.31-0.1	4.45+1.0	3.45+0.9	2.57
Debt-to-Equity	0.190.0	0.19+0.0	0.18+0.0	0.16-0.1	0.22-0.3	0.48
FCF Margin	13.5%+6.3pp	7.2%-3.9pp	11.1%+7.4pp	3.7%-0.9pp	4.7%-7.0pp	11.7%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	25.4%+1.3pp	24.1%-1.4pp	25.5%+1.5pp	24.0%-1.6pp	25.6%-0.6pp	26.2%-3.6pp	29.8%+1.2pp	28.5%
Operating Margin	7.3%+0.9pp	6.4%+0.7pp	5.7%-0.0pp	5.7%+0.2pp	5.5%+0.3pp	5.2%+0.0pp	5.2%+0.7pp	4.5%
Net Margin	6.3%+0.6pp	5.7%+0.5pp	5.3%+0.2pp	5.0%-0.1pp	5.1%-1.1pp	6.2%+1.5pp	4.7%+0.8pp	3.9%
Return on Equity	3.7%+0.4pp	3.3%+0.5pp	2.9%+0.1pp	2.8%+0.1pp	2.7%-0.4pp	3.1%+1.0pp	2.1%+0.4pp	1.6%
Return on Assets	3.1%+0.3pp	2.8%+0.3pp	2.4%+0.1pp	2.3%+0.1pp	2.3%-0.3pp	2.6%+0.8pp	1.8%+0.4pp	1.4%
Current Ratio	4.46+0.1	4.36-0.2	4.56+0.1	4.46+0.2	4.24-0.1	4.31-0.2	4.55+0.1	4.47
Debt-to-Equity	0.190.0	0.20+0.0	0.180.0	0.180.0	0.190.0	0.18+0.0	0.170.0	0.17
FCF Margin	13.6%+2.4pp	11.3%+0.1pp	11.2%-7.1pp	18.3%+7.5pp	10.8%+7.9pp	2.9%-6.2pp	9.0%+3.2pp	5.9%

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Frequently Asked Questions

What is Paymentus Holdings Inc's annual revenue?

Paymentus Holdings Inc (PAY) reported $1.2B in total revenue for fiscal year 2025. This represents a 37.3% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Paymentus Holdings Inc's revenue growing?

Paymentus Holdings Inc (PAY) revenue grew by 37.3% year-over-year, from $871.7M to $1.2B in fiscal year 2025.

Is Paymentus Holdings Inc profitable?

Yes, Paymentus Holdings Inc (PAY) reported a net income of $66.9M in fiscal year 2025, with a net profit margin of 5.6%.

What is Paymentus Holdings Inc's EBITDA?

Paymentus Holdings Inc (PAY) had EBITDA of $116.6M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.

What is Paymentus Holdings Inc's gross margin?

Paymentus Holdings Inc (PAY) had a gross margin of 24.8% in fiscal year 2025, indicating the percentage of revenue retained after direct costs of goods sold.

What is Paymentus Holdings Inc's operating margin?

Paymentus Holdings Inc (PAY) had an operating margin of 6.3% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.

What is Paymentus Holdings Inc's net profit margin?

Paymentus Holdings Inc (PAY) had a net profit margin of 5.6% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is Paymentus Holdings Inc's return on equity (ROE)?

Paymentus Holdings Inc (PAY) has a return on equity of 11.9% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Paymentus Holdings Inc's free cash flow?

Paymentus Holdings Inc (PAY) generated $161.8M in free cash flow during fiscal year 2025. This represents a 156.1% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Paymentus Holdings Inc's operating cash flow?

Paymentus Holdings Inc (PAY) generated $162.1M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Paymentus Holdings Inc's total assets?

Paymentus Holdings Inc (PAY) had $667.9M in total assets as of fiscal year 2025, including both current and long-term assets.

What are Paymentus Holdings Inc's capital expenditures?

Paymentus Holdings Inc (PAY) invested $361K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How much does Paymentus Holdings Inc spend on research and development?

Paymentus Holdings Inc (PAY) invested $61.5M in research and development during fiscal year 2025.

What is Paymentus Holdings Inc's current ratio?

Paymentus Holdings Inc (PAY) had a current ratio of 4.46 as of fiscal year 2025, which is generally considered healthy.

What is Paymentus Holdings Inc's debt-to-equity ratio?

Paymentus Holdings Inc (PAY) had a debt-to-equity ratio of 0.19 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Paymentus Holdings Inc's return on assets (ROA)?

Paymentus Holdings Inc (PAY) had a return on assets of 10.0% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Paymentus Holdings Inc's Altman Z-Score?

Paymentus Holdings Inc (PAY) has an Altman Z-Score of 20.55, placing it in the Safe Zone (low bankruptcy risk). The Z-Score combines five financial ratios—working capital, retained earnings, EBIT, market capitalization, and revenue relative to total assets—to predict the likelihood of bankruptcy. Scores above 2.99 indicate financial safety while scores below 1.81 suggest financial distress. Learn more in our complete guide to financial health indicators.

What is Paymentus Holdings Inc's Piotroski F-Score?

Paymentus Holdings Inc (PAY) has a Piotroski F-Score of 6 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Paymentus Holdings Inc's earnings high quality?

Paymentus Holdings Inc (PAY) has an earnings quality ratio of 2.42x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Paymentus Holdings Inc?

Paymentus Holdings Inc (PAY) scores 69 out of 100 on our Financial Profile, indicating strong overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.