Paymentus (PAY) Financials

$29.19 +0.79 (+2.78%)

As of 09:33 AM Eastern

Annual Income Statements for Paymentus

This table shows Paymentus' income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2019	2020	2021	2022	2023	2024
Period end date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Net Income / (Loss) Attributable to Common Shareholders	9.00	8.53	7.04	-0.51	22	44
Consolidated Net Income / (Loss)	14	14	9.30	-0.51	22	44
Net Income / (Loss) Continuing Operations	14	14	9.30	-0.51	22	44
Total Pre-Tax Income	18	18	10	-1.31	25	54
Total Operating Income	18	18	10	-2.98	18	45
Total Gross Profit	74	93	121	150	182	238
Total Revenue	236	302	396	497	614	872
Operating Revenue	236	302	396	497	614	872
Total Cost of Revenue	161	209	274	347	432	634
Operating Cost of Revenue	161	209	274	347	432	634
Total Operating Expenses	56	74	111	153	164	193
Selling, General & Admin Expense	10	18	33	38	36	37
Marketing Expense	28	32	44	73	84	105
Research & Development Expense	18	25	34	41	44	51
Total Other Income / (Expense), net	0.11	-0.06	-0.01	1.67	7.03	9.09
Interest & Investment Income	0.11	0.05	-0.01	1.66	7.02	8.74
Other Income / (Expense), net	0.00	-0.12	-0.00	0.01	0.01	0.35
Income Tax Expense	4.78	4.65	1.07	-0.80	2.80	9.78
Basic Earnings per Share	$0.09	$0.08	$0.06	$0.00	$0.18	$0.36
Weighted Average Basic Shares Outstanding	103.47M	103.48M	112.76M	122.10M	123.51M	124.37M
Diluted Earnings per Share	$0.08	$0.08	$0.06	$0.00	$0.18	$0.35
Weighted Average Diluted Shares Outstanding	106.35M	106.21M	118.82M	122.10M	125.07M	127.71M
Weighted Average Basic & Diluted Shares Outstanding	-	-	121.02M	123.29M	123.92M	124.97M

This table shows Paymentus' income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025
Period end date	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025
Net Income / (Loss) Attributable to Common Shareholders	-0.74	0.96	0.70	5.84	6.38	9.40	7.23	9.36	14	13	14
Consolidated Net Income / (Loss)	-0.74	0.96	0.70	5.84	6.38	9.40	7.23	9.36	14	13	14
Net Income / (Loss) Continuing Operations	-0.74	0.96	0.70	5.84	6.38	9.40	7.23	9.36	14	13	14
Total Pre-Tax Income	-0.44	2.56	0.45	6.28	7.20	11	11	12	14	16	18
Total Operating Income	-0.92	1.54	-0.98	4.63	5.31	9.14	8.34	10	12	14	16
Total Gross Profit	38	41	40	46	47	49	53	59	61	66	66
Total Revenue	128	132	148	149	152	165	185	197	232	258	275
Operating Revenue	128	132	148	149	152	165	185	197	232	258	275
Total Cost of Revenue	90	91	108	103	106	115	132	139	171	192	209
Operating Cost of Revenue	90	91	108	103	106	115	132	139	171	192	209
Total Operating Expenses	39	40	41	41	42	40	44	49	49	52	50
Selling, General & Admin Expense	9.38	9.10	9.15	8.73	9.08	9.05	9.09	9.21	8.94	9.68	9.18
Marketing Expense	19	20	20	22	21	21	23	27	26	29	26
Research & Development Expense	10	10	12	11	11	11	12	13	13	14	15
Total Other Income / (Expense), net	0.48	1.02	1.43	1.65	1.89	2.06	2.42	2.23	2.35	2.09	2.11
Interest & Investment Income	0.50	1.07	1.44	1.66	1.91	2.02	2.19	2.19	2.34	2.02	2.06
Other Income / (Expense), net	-0.03	-0.05	-0.01	-0.01	-0.02	0.04	0.23	0.04	0.01	0.07	0.05
Income Tax Expense	0.30	1.60	-0.26	0.44	0.82	1.80	3.53	3.11	0.01	3.13	3.99
Basic Earnings per Share	($0.01)	$0.02	$0.01	$0.05	$0.05	$0.07	$0.06	$0.08	$0.12	$0.10	$0.11
Weighted Average Basic Shares Outstanding	122.74M	122.10M	123.29M	123.38M	123.62M	123.51M	123.95M	124.26M	124.54M	124.37M	124.94M
Diluted Earnings per Share	($0.01)	$0.02	$0.01	$0.05	$0.05	$0.07	$0.06	$0.07	$0.11	$0.11	$0.11
Weighted Average Diluted Shares Outstanding	122.74M	122.10M	123.79M	124.01M	125.64M	125.07M	126.92M	127.25M	127.61M	127.71M	128.80M
Weighted Average Basic & Diluted Shares Outstanding	122.99M	123.29M	123.35M	123.51M	123.70M	123.92M	124.17M	124.48M	124.63M	124.97M	125.13M

This table details how cash moves in and out of Paymentus' business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2019	2020	2021	2022	2023	2024
Period end date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Net Change in Cash & Equivalents	2.79	19	155	-52	33	27
Net Cash From Operating Activities	18	36	19	20	69	64
Net Cash From Continuing Operating Activities	18	36	19	20	69	64
Net Income / (Loss) Continuing Operations	14	14	9.30	-0.51	22	44
Consolidated Net Income / (Loss)	14	14	9.30	-0.51	22	44
Depreciation Expense	6.00	8.07	13	24	31	36
Amortization Expense	0.00	0.00	0.67	2.06	3.00	3.76
Non-Cash Adjustments To Reconcile Net Income	1.26	4.90	5.74	13	12	15
Changes in Operating Assets and Liabilities, net	-3.45	8.94	-9.51	-18	0.84	-36
Net Cash From Investing Activities	-14	-15	-78	-35	-34	-37
Net Cash From Continuing Investing Activities	-14	-15	-78	-35	-34	-37
Purchase of Property, Plant & Equipment	-11	-15	-20	-31	-34	-37
Acquisitions	-1.37	0.29	-57	-3.26	0.00	0.00
Other Investing Activities, net	-1.27	0.00	-0.13	-0.28	0.00	-0.19
Net Cash From Financing Activities	-0.86	-1.36	213	-37	-1.20	-0.21
Net Cash From Continuing Financing Activities	-0.86	-1.36	213	-37	-1.20	-0.21
Repayment of Debt	-0.76	-1.04	-4.56	-5.06	-1.71	0.00
Other Financing Activities, net	-0.20	-0.32	0.07	-32	0.51	-0.21
Cash Income Taxes Paid	4.74	2.89	2.49	0.67	1.40	14

This table details how cash moves in and out of Paymentus' business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025
Period end date	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025
Net Change in Cash & Equivalents	8.26	-76	-4.66	17	4.42	16	1.04	8.65	-2.10	19	40
Net Cash From Operating Activities	-1.95	15	4.76	26	13	24	11	18	6.74	28	50
Net Cash From Continuing Operating Activities	-1.95	15	4.76	26	13	24	11	18	6.74	28	50
Net Income / (Loss) Continuing Operations	-0.74	0.96	0.70	5.84	6.38	9.40	7.23	9.36	14	13	14
Consolidated Net Income / (Loss)	-0.74	0.96	0.70	5.84	6.38	9.40	7.23	9.36	14	13	14
Depreciation Expense	6.16	6.55	7.24	7.30	7.77	8.29	8.54	8.97	9.32	9.66	11
Amortization Expense	0.53	0.71	0.70	0.75	0.76	0.80	0.45	0.43	0.51	2.36	0.98
Non-Cash Adjustments To Reconcile Net Income	2.62	6.13	2.38	2.72	3.01	3.95	3.27	4.13	3.73	4.31	5.06
Changes in Operating Assets and Liabilities, net	-11	0.39	-6.26	9.87	-4.77	2.00	-8.53	-4.86	-21	-1.56	20
Net Cash From Investing Activities	-8.29	-11	-8.29	-8.68	-8.89	-8.45	-9.51	-9.28	-8.83	-9.14	-8.29
Net Cash From Continuing Investing Activities	-8.29	-11	-8.29	-8.68	-8.89	-8.45	-9.51	-9.28	-8.83	-9.14	-8.29
Purchase of Property, Plant & Equipment	-8.16	-7.60	-8.29	-8.68	-8.89	-8.45	-9.39	-9.27	-8.95	-8.96	-9.34
Other Investing Activities, net	-0.13	-0.03	-	-	-	-	-0.12	-0.00	0.12	-0.18	1.05
Net Cash From Financing Activities	19	-80	-1.12	-0.49	0.23	0.18	-0.41	0.04	-0.02	0.18	-1.89
Net Cash From Continuing Financing Activities	19	-80	-1.12	-0.49	0.23	0.18	-0.41	0.04	-0.02	0.18	-1.89
Other Financing Activities, net	19	-78	-0.10	0.20	0.23	0.18	-0.41	0.04	-0.02	0.18	-1.89
Other Net Changes in Cash	-0.23	-	-0.02	0.13	-0.07	-	-	-	0.02	-	-0.03
Cash Income Taxes Paid	0.24	0.25	0.62	0.65	0.45	-0.32	0.43	7.31	4.67	1.99	0.51

This table presents Paymentus' assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2020	2021	2022	2023	2024
Period end date	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Total Assets	125	473	462	505	576
Total Current Assets	80	256	229	270	346
Cash & Equivalents	47	168	147	179	206
Restricted Cash	-	33	2.35	3.83	3.51
Accounts Receivable	28	44	68	76	120
Prepaid Expenses	3.12	8.18	9.99	11	13
Current Deferred & Refundable Income Taxes	2.01	2.49	1.49	0.26	3.36
Plant, Property, & Equipment, net	1.77	2.04	1.82	1.56	1.16
Total Noncurrent Assets	43	214	231	233	229
Goodwill	13	129	132	132	132
Intangible Assets	21	73	82	86	86
Noncurrent Deferred & Refundable Income Taxes	0.27	0.16	0.12	0.09	0.37
Other Noncurrent Operating Assets	8.54	12	17	15	11
Total Liabilities & Shareholders' Equity	125	473	462	505	576
Total Liabilities	40	87	64	75	91
Total Current Liabilities	31	74	51	63	82
Accounts Payable	17	25	29	35	50
Accrued Expenses	10	12	16	21	26
Current Deferred Revenue	-	-	4.36	4.09	2.94
Current Deferred & Payable Income Tax Liabilities	0.46	0.12	0.64	0.36	0.19
Other Current Liabilities	3.62	37	1.46	1.85	2.09
Total Noncurrent Liabilities	9.39	12	13	12	9.10
Noncurrent Deferred Revenue	-	-	2.83	2.73	2.78
Noncurrent Deferred & Payable Income Tax Liabilities	3.50	3.32	0.68	1.07	0.00
Other Noncurrent Operating Liabilities	5.48	9.06	9.36	8.66	6.32
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	84	386	397	430	486
Total Preferred & Common Equity	84	386	397	430	486
Preferred Stock	0.00	0.00	0.00	0.00	0.00
Total Common Equity	84	386	397	430	486
Common Stock	30	356	368	378	390
Retained Earnings	55	30	29	52	96
Treasury Stock	-0.58	0.00	0.00	0.00	0.00
Accumulated Other Comprehensive Income / (Loss)	0.22	0.17	-0.02	0.09	-0.23

This table presents Paymentus' assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q1 2023	Q2 2023	Q3 2023	Q1 2024	Q2 2024	Q3 2024	Q1 2025
Period end date	9/30/2022	3/31/2023	6/30/2023	9/30/2023	3/31/2024	6/30/2024	9/30/2024	3/31/2025
Total Assets	531	467	475	489	514	528	553	591
Total Current Assets	304	233	241	255	280	294	320	362
Cash & Equivalents	148	144	159	162	180	189	188	246
Restricted Cash	78	1.39	3.40	4.83	4.01	4.07	3.24	3.80
Accounts Receivable	63	76	67	75	84	90	111	100
Prepaid Expenses	12	9.08	9.00	11	11	9.93	14	12
Current Deferred & Refundable Income Taxes	2.65	2.14	2.38	1.91	0.02	1.33	4.33	0.00
Plant, Property, & Equipment, net	2.00	1.67	1.74	1.68	1.58	1.44	1.32	1.06
Total Noncurrent Assets	226	232	233	233	233	232	232	228
Goodwill	129	132	132	132	132	132	132	132
Intangible Assets	79	83	85	86	87	87	87	85
Noncurrent Deferred & Refundable Income Taxes	0.17	0.12	0.12	0.12	0.09	0.09	0.36	1.38
Other Noncurrent Operating Assets	17	17	16	15	14	13	12	9.87
Total Liabilities & Shareholders' Equity	531	467	475	489	514	528	553	591
Total Liabilities	137	67	67	72	75	76	84	90
Total Current Liabilities	125	51	51	60	63	65	74	81
Accounts Payable	27	33	31	33	41	43	50	56
Accrued Expenses	17	12	16	19	12	16	20	19
Current Deferred & Payable Income Tax Liabilities	0.72	0.27	0.11	0.02	3.13	0.09	0.00	1.33
Other Current Liabilities	80	6.28	5.09	7.30	6.06	5.01	4.29	5.47
Total Noncurrent Liabilities	12	15	16	12	12	11	9.89	9.52
Noncurrent Deferred Revenue	2.64	-	-	-	2.75	2.87	2.74	2.75
Other Noncurrent Operating Liabilities	8.70	14	15	11	8.05	7.38	7.15	6.77
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	394	400	408	417	439	452	469	500
Total Preferred & Common Equity	394	400	408	417	439	452	469	500
Total Common Equity	394	400	408	417	439	452	469	500
Common Stock	366	370	372	375	380	383	386	391
Retained Earnings	28	30	36	42	59	68	83	110
Accumulated Other Comprehensive Income / (Loss)	-0.07	-0.03	0.06	0.00	0.05	0.01	-0.00	-0.29

This table displays calculated financial ratios and metrics derived from Paymentus' official financial filings.

Metric	2019	2020	2021	2022	2023	2024
Period end date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Growth Metrics	-	-	-	-	-	-
Revenue Growth	0.00%	27.99%	31.07%	25.66%	23.64%	41.86%
EBITDA Growth	0.00%	8.23%	-7.75%	-4.87%	123.34%	65.25%
EBIT Growth	0.00%	-0.33%	-43.36%	-128.64%	709.39%	149.67%
NOPAT Growth	0.00%	1.04%	-32.36%	-122.38%	871.66%	128.48%
Net Income Growth	0.00%	0.10%	-32.17%	-105.52%	4,451.27%	97.87%
EPS Growth	0.00%	0.00%	-25.00%	-100.00%	0.00%	94.44%
Operating Cash Flow Growth	0.00%	103.42%	-45.28%	1.92%	246.44%	-7.55%
Free Cash Flow Firm Growth	0.00%	0.00%	-461.81%	52.31%	126.27%	-59.39%
Invested Capital Growth	0.00%	0.00%	383.46%	34.29%	-0.43%	12.08%
Revenue Q/Q Growth	0.00%	0.00%	0.00%	5.08%	5.61%	11.95%
EBITDA Q/Q Growth	0.00%	0.00%	0.00%	17.66%	22.59%	10.34%
EBIT Q/Q Growth	0.00%	0.00%	0.00%	28.29%	73.90%	12.65%
NOPAT Q/Q Growth	0.00%	0.00%	0.00%	29.18%	82.02%	11.54%
Net Income Q/Q Growth	0.00%	0.00%	0.00%	-116.06%	60.86%	9.27%
EPS Q/Q Growth	0.00%	0.00%	0.00%	-100.00%	38.46%	12.90%
Operating Cash Flow Q/Q Growth	0.00%	0.00%	-27.40%	276.34%	16.44%	5.77%
Free Cash Flow Firm Q/Q Growth	0.00%	0.00%	0.00%	0.00%	123.48%	22.67%
Invested Capital Q/Q Growth	0.00%	0.00%	0.00%	46.55%	-1.73%	-0.66%
Profitability Metrics	-	-	-	-	-	-
Gross Margin	31.57%	30.69%	30.69%	30.12%	29.67%	27.32%
EBITDA Margin	10.34%	8.74%	6.15%	4.66%	8.41%	9.80%
Operating Margin	7.79%	6.11%	2.62%	-0.60%	2.94%	5.15%
EBIT Margin	7.79%	6.07%	2.62%	-0.60%	2.95%	5.19%
Profit (Net Income) Margin	5.81%	4.54%	2.35%	-0.10%	3.63%	5.07%
Tax Burden Percent	74.12%	74.66%	89.72%	39.22%	88.85%	81.88%
Interest Burden Percent	100.58%	100.28%	99.94%	44.03%	138.77%	119.34%
Effective Tax Rate	25.88%	25.34%	10.28%	0.00%	11.15%	18.12%
Return on Invested Capital (ROIC)	0.00%	72.18%	8.37%	-0.96%	6.51%	14.06%
ROIC Less NNEP Spread (ROIC-NNEP)	0.00%	72.39%	8.37%	-1.86%	2.76%	10.27%
Return on Net Nonoperating Assets (RNNOA)	0.00%	-39.68%	-4.41%	0.83%	-1.11%	-4.40%
Return on Equity (ROE)	0.00%	32.50%	3.95%	-0.13%	5.40%	9.65%
Cash Return on Invested Capital (CROIC)	0.00%	-127.82%	-123.07%	-30.23%	6.94%	2.67%
Operating Return on Assets (OROA)	0.00%	14.66%	3.47%	-0.64%	3.75%	8.36%
Return on Assets (ROA)	0.00%	10.98%	3.11%	-0.11%	4.62%	8.17%
Return on Common Equity (ROCE)	0.00%	32.50%	3.95%	-0.13%	5.40%	9.65%
Return on Equity Simple (ROE_SIMPLE)	0.00%	16.25%	2.41%	-0.13%	5.20%	9.10%
Net Operating Profit after Tax (NOPAT)	14	14	9.31	-2.08	16	37
NOPAT Margin	5.78%	4.56%	2.35%	-0.42%	2.62%	4.21%
Net Nonoperating Expense Percent (NNEP)	0.00%	-0.21%	-0.01%	0.89%	3.75%	3.79%
Return On Investment Capital (ROIC_SIMPLE)	-	-	-	-0.52%	3.74%	7.56%
Cost of Revenue to Revenue	68.43%	69.31%	69.31%	69.88%	70.33%	72.68%
SG&A Expenses to Revenue	4.33%	5.91%	8.34%	7.67%	5.86%	4.24%
R&D to Revenue	7.58%	8.12%	8.63%	8.29%	7.20%	5.89%
Operating Expenses to Revenue	23.78%	24.59%	28.07%	30.72%	26.73%	22.18%
Earnings before Interest and Taxes (EBIT)	18	18	10	-2.97	18	45
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	24	26	24	23	52	85
Valuation Ratios	-	-	-	-	-	-
Price to Book Value (P/BV)	0.00	2.73	10.87	2.48	5.15	8.39
Price to Tangible Book Value (P/TBV)	0.00	4.61	22.85	5.38	10.44	15.23
Price to Revenue (P/Rev)	0.98	0.76	10.61	1.98	3.60	4.67
Price to Earnings (P/E)	25.59	27.01	596.19	0.00	99.03	92.19
Dividend Yield	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Earnings Yield	3.91%	3.70%	0.17%	0.00%	1.01%	1.08%
Enterprise Value to Invested Capital (EV/IC)	0.00	4.83	21.68	3.38	8.23	13.98
Enterprise Value to Revenue (EV/Rev)	0.00	0.61	10.10	1.68	3.30	4.43
Enterprise Value to EBITDA (EV/EBITDA)	0.00	6.98	164.22	36.09	39.21	45.20
Enterprise Value to EBIT (EV/EBIT)	0.00	10.05	385.32	0.00	111.97	85.45
Enterprise Value to NOPAT (EV/NOPAT)	0.00	13.38	429.45	0.00	126.11	105.16
Enterprise Value to Operating Cash Flow (EV/OCF)	0.00	5.17	205.03	42.05	29.45	60.70
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.00	0.00	118.22	554.57
Leverage & Solvency	-	-	-	-	-	-
Debt to Equity	0.00	0.00	0.00	0.00	0.00	0.00
Long-Term Debt to Equity	0.00	0.00	0.00	0.00	0.00	0.00
Financial Leverage	0.00	-0.55	-0.53	-0.45	-0.40	-0.43
Leverage Ratio	0.00	1.48	1.27	1.19	1.17	1.18
Compound Leverage Factor	0.00	1.48	1.27	0.53	1.62	1.41
Debt to Total Capital	0.00%	0.49%	0.00%	0.00%	0.00%	0.00%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	0.00%	0.49%	0.00%	0.00%	0.00%	0.00%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	0.00%	99.51%	100.00%	100.00%	100.00%	100.00%
Debt to EBITDA	0.00	0.02	0.00	0.00	0.00	0.00
Net Debt to EBITDA	0.00	-1.75	0.00	0.00	0.00	0.00
Long-Term Debt to EBITDA	0.00	0.02	0.00	0.00	0.00	0.00
Debt to NOPAT	0.00	0.03	0.00	0.00	0.00	0.00
Net Debt to NOPAT	0.00	-3.36	0.00	0.00	0.00	0.00
Long-Term Debt to NOPAT	0.00	0.03	0.00	0.00	0.00	0.00
Altman Z-Score	0.00	7.40	30.48	10.79	19.60	29.50
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-
Current Ratio	0.00	2.57	3.45	4.45	4.31	4.24
Quick Ratio	0.00	2.40	2.85	4.18	4.07	3.99
Cash Flow Metrics	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	0.00	-24	-137	-65	17	6.96
Operating Cash Flow to CapEx	155.49%	239.91%	96.12%	64.05%	200.67%	173.98%
Free Cash Flow to Firm to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00
Operating Cash Flow to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00
Operating Cash Flow Less CapEx to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00
Efficiency Ratios	-	-	-	-	-	-
Asset Turnover	0.00	2.42	1.32	1.06	1.27	1.61
Accounts Receivable Turnover	0.00	10.76	10.99	8.90	8.52	8.89
Inventory Turnover	0.00	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	0.00	170.30	207.30	257.05	363.50	642.17
Accounts Payable Turnover	0.00	12.43	13.19	12.87	13.42	14.90
Days Sales Outstanding (DSO)	0.00	33.91	33.21	41.03	42.82	41.08
Days Inventory Outstanding (DIO)	0.00	0.00	0.00	0.00	0.00	0.00
Days Payable Outstanding (DPO)	0.00	29.36	27.68	28.36	27.20	24.50
Cash Conversion Cycle (CCC)	0.00	4.54	5.53	12.66	15.62	16.58
Capital & Investment Metrics	-	-	-	-	-	-
Invested Capital	0.00	38	184	247	246	276
Invested Capital Turnover	0.00	15.83	3.56	2.30	2.49	3.34
Increase / (Decrease) in Invested Capital	0.00	38	146	63	-1.07	30
Enterprise Value (EV)	0.00	184	3,997	835	2,027	3,862
Market Capitalization	230	230	4,198	985	2,210	4,072
Book Value per Share	$0.00	$0.82	$3.22	$3.23	$3.47	$3.90
Tangible Book Value per Share	$0.00	$0.48	$1.53	$1.49	$1.71	$2.14
Total Capital	0.00	85	386	397	430	486
Total Debt	0.00	0.41	0.00	0.00	0.00	0.00
Total Long-Term Debt	0.00	0.41	0.00	0.00	0.00	0.00
Net Debt	0.00	-46	-202	-150	-183	-209
Capital Expenditures (CapEx)	11	15	20	31	34	37
Debt-free, Cash-free Net Working Capital (DFCFNWC)	0.00	2.05	-20	28	24	55
Debt-free Net Working Capital (DFNWC)	0.00	49	182	177	208	264
Net Working Capital (NWC)	0.00	49	182	177	208	264
Net Nonoperating Expense (NNE)	-0.08	0.05	0.01	-1.57	-6.25	-7.44
Net Nonoperating Obligations (NNO)	0.00	-46	-202	-150	-183	-209
Total Depreciation and Amortization (D&A)	6.00	8.07	14	26	34	40
Debt-free, Cash-free Net Working Capital to Revenue	0.00%	0.68%	-5.01%	5.59%	3.97%	6.27%
Debt-free Net Working Capital to Revenue	0.00%	16.14%	46.02%	35.71%	33.78%	30.29%
Net Working Capital to Revenue	0.00%	16.14%	46.02%	35.71%	33.78%	30.29%
Earnings Adjustments	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.00	$0.00	$0.06	$0.00	$0.18	$0.36
Adjusted Weighted Average Basic Shares Outstanding	0.00	0.00	112.76M	122.10M	123.51M	124.37M
Adjusted Diluted Earnings per Share	$0.00	$0.00	$0.06	$0.00	$0.18	$0.35
Adjusted Weighted Average Diluted Shares Outstanding	0.00	0.00	118.82M	122.10M	125.07M	127.71M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	0.00	0.00	121.02M	123.29M	123.92M	124.97M
Normalized Net Operating Profit after Tax (NOPAT)	14	14	9.31	-2.08	16	37
Normalized NOPAT Margin	5.78%	4.56%	2.35%	-0.42%	2.62%	4.21%
Pre Tax Income Margin	7.84%	6.09%	2.62%	-0.26%	4.09%	6.19%
Debt Service Ratios	-	-	-	-	-	-
EBIT to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00
NOPAT to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00
EBIT Less CapEx to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00
NOPAT Less CapEx to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00
Payout Ratios	-	-	-	-	-	-
Dividend Payout Ratio	0.00%	0.00%	370.02%	0.00%	0.00%	0.00%
Augmented Payout Ratio	0.00%	0.00%	370.02%	0.00%	0.00%	0.00%

This table displays calculated financial ratios and metrics derived from Paymentus' official financial filings.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025
Period end date	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	26.04%	22.24%	27.10%	24.15%	18.94%	24.68%	24.64%	32.55%	51.93%	56.48%	48.88%
EBITDA Growth	14.73%	65.90%	51.07%	211.53%	140.72%	108.92%	152.95%	55.32%	58.65%	43.82%	52.21%
EBIT Growth	-184.98%	368.55%	26.25%	312.76%	660.21%	516.38%	964.31%	122.45%	128.43%	55.27%	83.57%
NOPAT Growth	-251.43%	-87.80%	-61.12%	376.29%	832.91%	1,234.85%	462.34%	78.64%	156.85%	49.37%	117.29%
Net Income Growth	-274.64%	-79.49%	-59.02%	338.23%	965.26%	882.45%	926.42%	60.37%	126.28%	39.85%	91.16%
EPS Growth	0.00%	-50.00%	0.00%	350.00%	600.00%	250.00%	500.00%	40.00%	120.00%	57.14%	83.33%
Operating Cash Flow Growth	-129.53%	10,726.47%	46.64%	588.89%	774.35%	65.99%	129.98%	-31.91%	-48.74%	14.21%	360.48%
Free Cash Flow Firm Growth	96.57%	0.00%	66.05%	45.74%	-1,276.66%	113.97%	108.25%	93.03%	80.35%	-309.28%	209.20%
Invested Capital Growth	3.03%	34.29%	33.31%	43.33%	48.48%	-0.43%	0.08%	5.11%	10.87%	12.08%	-1.76%
Revenue Q/Q Growth	6.82%	3.14%	12.22%	0.41%	2.34%	8.12%	12.18%	6.79%	17.30%	11.36%	6.73%
EBITDA Q/Q Growth	41.22%	52.32%	-20.62%	82.44%	9.12%	32.20%	-3.89%	12.03%	11.46%	19.84%	4.48%
EBIT Q/Q Growth	56.47%	257.67%	-166.58%	565.63%	14.61%	73.48%	-6.64%	19.84%	17.69%	17.92%	10.37%
NOPAT Q/Q Growth	58.79%	189.55%	-369.01%	378.29%	9.33%	63.09%	-26.98%	37.20%	57.20%	-5.15%	6.22%
Net Income Q/Q Growth	69.93%	229.85%	-26.44%	729.40%	9.21%	47.44%	-23.14%	29.59%	54.10%	-8.88%	5.05%
EPS Q/Q Growth	50.00%	300.00%	-50.00%	400.00%	0.00%	40.00%	-14.29%	16.67%	57.14%	0.00%	0.00%
Operating Cash Flow Q/Q Growth	-150.70%	855.46%	-67.65%	455.97%	-50.37%	85.96%	-55.18%	64.60%	-62.63%	314.32%	80.71%
Free Cash Flow Firm Q/Q Growth	95.66%	-1,016.97%	-4.24%	-7.43%	-10.07%	111.33%	-38.39%	-190.65%	-210.57%	-20.67%	191.02%
Invested Capital Q/Q Growth	-1.68%	46.55%	3.04%	-3.47%	1.86%	-1.73%	3.58%	1.38%	7.44%	-0.66%	-9.21%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
Gross Margin	29.54%	31.12%	27.02%	30.79%	30.78%	30.03%	28.52%	29.76%	26.20%	25.60%	23.99%
EBITDA Margin	4.48%	6.62%	4.68%	8.50%	9.07%	11.09%	9.50%	9.97%	9.47%	10.19%	9.98%
Operating Margin	-0.72%	1.16%	-0.66%	3.11%	3.48%	5.55%	4.51%	5.18%	5.22%	5.50%	5.70%
EBIT Margin	-0.74%	1.13%	-0.67%	3.10%	3.47%	5.57%	4.64%	5.20%	5.22%	5.53%	5.72%
Profit (Net Income) Margin	-0.58%	0.72%	0.47%	3.92%	4.18%	5.71%	3.91%	4.74%	6.23%	5.10%	5.02%
Tax Burden Percent	167.12%	37.40%	157.14%	93.02%	88.58%	83.95%	67.16%	75.10%	99.97%	80.77%	77.60%
Interest Burden Percent	46.67%	171.75%	-45.16%	135.90%	135.98%	121.95%	125.50%	121.35%	119.37%	114.17%	113.10%
Effective Tax Rate	0.00%	62.60%	-57.14%	6.98%	11.42%	16.05%	32.84%	24.90%	0.03%	19.23%	22.40%
Return on Invested Capital (ROIC)	-1.42%	1.00%	-2.47%	7.71%	8.56%	11.58%	7.73%	10.79%	15.37%	14.83%	16.82%
ROIC Less NNEP Spread (ROIC-NNEP)	-1.38%	0.78%	-3.78%	6.90%	7.71%	10.55%	6.75%	9.84%	14.06%	13.97%	16.07%
Return on Net Nonoperating Assets (RNNOA)	0.79%	-0.35%	1.64%	-3.28%	-3.72%	-4.25%	-2.65%	-4.07%	-5.67%	-5.99%	-7.42%
Return on Equity (ROE)	-0.64%	0.65%	-0.83%	4.43%	4.84%	7.34%	5.09%	6.72%	9.70%	8.84%	9.41%
Cash Return on Invested Capital (CROIC)	0.00%	-30.23%	-24.96%	-34.05%	-34.81%	6.94%	8.66%	5.19%	2.15%	2.67%	18.95%
Operating Return on Assets (OROA)	-0.69%	1.20%	-0.74%	3.52%	3.96%	7.09%	6.16%	7.26%	7.80%	8.92%	9.96%
Return on Assets (ROA)	-0.54%	0.77%	0.53%	4.45%	4.77%	7.26%	5.19%	6.62%	9.31%	8.22%	8.74%
Return on Common Equity (ROCE)	-0.64%	0.65%	-0.83%	4.43%	4.84%	7.34%	5.09%	6.72%	9.70%	8.84%	9.41%
Return on Equity Simple (ROE_SIMPLE)	0.81%	0.00%	-0.38%	1.66%	3.32%	0.00%	6.56%	7.17%	8.62%	0.00%	10.14%
Net Operating Profit after Tax (NOPAT)	-0.64	0.57	-1.55	4.30	4.70	7.67	5.60	7.69	12	11	12
NOPAT Margin	-0.50%	0.43%	-1.04%	2.89%	3.09%	4.66%	3.03%	3.89%	5.22%	4.44%	4.42%
Net Nonoperating Expense Percent (NNEP)	-0.04%	0.22%	1.31%	0.81%	0.85%	1.04%	0.99%	0.94%	1.31%	0.86%	0.76%
Return On Investment Capital (ROIC_SIMPLE)	-	0.14%	-	-	-	1.79%	-	-	-	2.36%	2.43%
Cost of Revenue to Revenue	70.46%	68.88%	72.98%	69.21%	69.22%	69.97%	71.48%	70.24%	73.80%	74.40%	76.01%
SG&A Expenses to Revenue	7.32%	6.89%	6.17%	5.86%	5.96%	5.49%	4.92%	4.67%	3.86%	3.75%	3.34%
R&D to Revenue	8.08%	7.79%	7.86%	7.32%	7.24%	6.46%	6.52%	6.35%	5.69%	5.26%	5.49%
Operating Expenses to Revenue	30.26%	29.96%	27.68%	27.69%	27.29%	24.49%	24.01%	24.57%	20.98%	20.10%	18.29%
Earnings before Interest and Taxes (EBIT)	-0.95	1.49	-0.99	4.62	5.29	9.18	8.57	10	12	14	16
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	5.74	8.75	6.94	13	14	18	18	20	22	26	27
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	3.02	2.48	2.73	3.19	4.91	5.15	6.42	5.22	5.32	8.39	6.52
Price to Tangible Book Value (P/TBV)	6.41	5.38	5.91	6.78	10.26	10.44	12.78	10.15	9.97	15.23	11.51
Price to Revenue (P/Rev)	2.52	1.98	2.07	2.34	3.52	3.60	4.33	3.37	3.20	4.67	3.39
Price to Earnings (P/E)	373.06	0.00	0.00	192.61	147.75	99.03	97.74	72.89	61.65	92.19	64.26
Dividend Yield	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Earnings Yield	0.27%	0.00%	0.00%	0.52%	0.68%	1.01%	1.02%	1.37%	1.62%	1.08%	1.56%
Enterprise Value to Invested Capital (EV/IC)	5.72	3.38	3.71	4.63	7.51	8.23	10.32	8.37	8.28	13.98	12.01
Enterprise Value to Revenue (EV/Rev)	2.04	1.68	1.79	2.05	3.24	3.30	4.05	3.10	2.96	4.43	3.13
Enterprise Value to EBITDA (EV/EBITDA)	49.13	36.09	37.16	33.44	44.66	39.21	42.28	31.25	29.72	45.20	31.75
Enterprise Value to EBIT (EV/EBIT)	0.00	0.00	0.00	273.33	180.93	111.97	95.23	65.00	57.35	85.45	57.52
Enterprise Value to NOPAT (EV/NOPAT)	0.00	0.00	118.14	349.85	213.29	126.11	118.06	84.35	69.88	105.16	69.33
Enterprise Value to Operating Cash Flow (EV/OCF)	183.13	42.05	44.31	25.91	31.87	29.45	35.13	32.54	38.25	60.70	29.21
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	0.00	0.00	0.00	118.22	119.21	165.22	405.31	554.57	62.84
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Long-Term Debt to Equity	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Financial Leverage	-0.57	-0.45	-0.43	-0.48	-0.48	-0.40	-0.39	-0.41	-0.40	-0.43	-0.46
Leverage Ratio	1.31	1.19	1.21	1.23	1.26	1.17	1.17	1.17	1.18	1.18	1.18
Compound Leverage Factor	0.61	2.05	-0.55	1.67	1.71	1.43	1.47	1.42	1.40	1.35	1.33
Debt to Total Capital	0.19%	0.00%	0.00%	0.05%	0.05%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	0.19%	0.00%	0.00%	0.05%	0.05%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	99.81%	100.00%	100.00%	99.95%	99.95%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Debt to EBITDA	0.04	0.00	0.00	0.01	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Debt to EBITDA	-11.44	0.00	0.00	-4.76	-3.95	0.00	0.00	0.00	0.00	0.00	0.00
Long-Term Debt to EBITDA	0.04	0.00	0.00	0.01	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Debt to NOPAT	-0.26	0.00	0.00	0.06	0.02	0.00	0.00	0.00	0.00	0.00	0.00
Net Debt to NOPAT	76.55	0.00	0.00	-49.78	-18.87	0.00	0.00	0.00	0.00	0.00	0.00
Long-Term Debt to NOPAT	-0.26	0.00	0.00	0.06	0.02	0.00	0.00	0.00	0.00	0.00	0.00
Altman Z-Score	6.58	10.82	11.54	13.47	18.94	19.54	24.67	20.69	19.99	29.33	24.17
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Current Ratio	2.43	4.45	4.52	4.70	4.28	4.31	4.47	4.55	4.31	4.24	4.46
Quick Ratio	1.69	4.18	4.28	4.41	3.98	4.07	4.22	4.32	4.02	3.99	4.27
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-5.61	-63	-65	-70	-77	8.75	5.39	-4.88	-15	-18	17
Operating Cash Flow to CapEx	-23.88%	193.74%	57.48%	305.15%	147.91%	289.28%	116.63%	194.41%	75.29%	311.46%	540.17%
Free Cash Flow to Firm to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Operating Cash Flow to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Operating Cash Flow Less CapEx to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.94	1.06	1.11	1.14	1.14	1.27	1.33	1.39	1.49	1.61	1.74
Accounts Receivable Turnover	9.47	8.90	8.24	9.29	8.46	8.52	8.11	8.90	8.37	8.89	10.45
Inventory Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	220.44	257.05	276.55	294.17	316.92	363.50	401.50	439.67	519.29	642.17	729.97
Accounts Payable Turnover	12.60	12.87	12.04	13.46	13.41	13.42	12.38	13.34	13.40	14.90	14.69
Days Sales Outstanding (DSO)	38.54	41.03	44.29	39.30	43.16	42.82	45.01	41.02	43.60	41.08	34.93
Days Inventory Outstanding (DIO)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Days Payable Outstanding (DPO)	28.97	28.36	30.33	27.11	27.22	27.20	29.48	27.35	27.23	24.50	24.85
Cash Conversion Cycle (CCC)	9.58	12.66	13.97	12.19	15.94	15.62	15.53	13.67	16.37	16.58	10.08
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	169	247	255	246	251	246	255	259	278	276	251
Invested Capital Turnover	2.84	2.30	2.37	2.67	2.77	2.49	2.55	2.77	2.95	3.34	3.80
Increase / (Decrease) in Invested Capital	4.96	63	64	74	82	-1.07	0.22	13	27	30	-4.49
Enterprise Value (EV)	967	835	947	1,140	1,884	2,027	2,635	2,166	2,301	3,862	3,012
Market Capitalization	1,192	985	1,092	1,303	2,050	2,210	2,819	2,359	2,492	4,072	3,262
Book Value per Share	$3.21	$3.23	$3.24	$3.31	$3.38	$3.47	$3.55	$3.64	$3.77	$3.90	$4.00
Tangible Book Value per Share	$1.52	$1.49	$1.50	$1.56	$1.62	$1.71	$1.78	$1.87	$2.01	$2.14	$2.27
Total Capital	395	397	400	409	418	430	439	452	469	486	500
Total Debt	0.75	0.00	0.00	0.20	0.20	0.00	0.00	0.00	0.00	0.00	0.00
Total Long-Term Debt	0.75	0.00	0.00	0.20	0.20	0.00	0.00	0.00	0.00	0.00	0.00
Net Debt	-225	-150	-145	-162	-167	-183	-184	-193	-191	-209	-250
Capital Expenditures (CapEx)	8.16	7.60	8.29	8.68	8.89	8.45	9.39	9.27	8.95	8.96	9.34
Debt-free, Cash-free Net Working Capital (DFCFNWC)	-47	28	36	27	29	24	33	37	55	55	31
Debt-free Net Working Capital (DFNWC)	179	177	181	190	196	208	217	230	246	264	281
Net Working Capital (NWC)	179	177	181	190	196	208	217	230	246	264	281
Net Nonoperating Expense (NNE)	0.10	-0.38	-2.25	-1.54	-1.67	-1.73	-1.62	-1.68	-2.35	-1.69	-1.64
Net Nonoperating Obligations (NNO)	-225	-150	-145	-162	-167	-183	-184	-193	-191	-209	-250
Total Depreciation and Amortization (D&A)	6.69	7.26	7.94	8.05	8.53	9.09	8.99	9.40	9.84	12	12
Debt-free, Cash-free Net Working Capital to Revenue	-10.02%	5.59%	6.85%	4.89%	4.92%	3.97%	5.05%	5.25%	7.07%	6.27%	3.21%
Debt-free Net Working Capital to Revenue	37.75%	35.71%	34.28%	34.03%	33.60%	33.78%	33.33%	32.82%	31.57%	30.29%	29.16%
Net Working Capital to Revenue	37.75%	35.71%	34.28%	34.03%	33.60%	33.78%	33.33%	32.82%	31.57%	30.29%	29.16%
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	($0.01)	$0.02	$0.01	$0.05	$0.05	$0.07	$0.06	$0.08	$0.12	$0.10	$0.11
Adjusted Weighted Average Basic Shares Outstanding	122.74M	122.10M	123.29M	123.38M	123.62M	123.51M	123.95M	124.26M	124.54M	124.37M	124.94M
Adjusted Diluted Earnings per Share	($0.01)	$0.02	$0.01	$0.05	$0.05	$0.07	$0.06	$0.07	$0.11	$0.11	$0.11
Adjusted Weighted Average Diluted Shares Outstanding	122.74M	122.10M	123.79M	124.01M	125.64M	125.07M	126.92M	127.25M	127.61M	127.71M	128.80M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	122.99M	123.29M	123.35M	123.51M	123.70M	123.92M	124.17M	124.48M	124.63M	124.97M	125.13M
Normalized Net Operating Profit after Tax (NOPAT)	-0.64	1.08	-0.69	4.30	4.70	7.67	5.60	7.69	12	11	12
Normalized NOPAT Margin	-0.50%	0.81%	-0.46%	2.89%	3.09%	4.66%	3.03%	3.89%	5.22%	4.44%	4.42%
Pre Tax Income Margin	-0.34%	1.94%	0.30%	4.21%	4.72%	6.80%	5.82%	6.32%	6.23%	6.31%	6.47%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
NOPAT to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
EBIT Less CapEx to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
NOPAT Less CapEx to Interest Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Augmented Payout Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Key Financial Trends

Paymentus reported a very strong start to FY 2025, with Q1 results highlighting continued revenue momentum, margin improvement, and robust cash generation. Below are the key takeaways from the quarter and recent trends:

Revenue of $275.2 million in Q1 2025, up 48.9% year-over-year, driven by robust customer acquisition and higher transaction volumes.
Operating margin expanded to 5.7% in Q1 2025 from 4.5% in Q1 2024, reflecting operating leverage and tighter cost control.
Net cash from operations reached $50.4 million, up substantially from $10.9 million a year ago, and free cash flow to the firm was $16.7 million versus $5.4 million in Q1 2024.
Ending cash & equivalents of $245.8 million provides ample liquidity, with zero debt on the balance sheet and a current ratio of 4.46×.
EPS of $0.11 in Q1 2025 doubled from $0.06 in Q1 2024, underscoring accelerating profitability per share.
Price-to-earnings multiple has eased to ~64× from over 90× in Q4 2024, but remains elevated compared to peers.
Intangible assets and goodwill total ~$217 million, reflecting past acquisitions and making up ~37% of total assets.
Gross margin compressed to 23.99% in Q1 2025 from 28.52% in Q1 2024, as cost of revenue outpaced revenue growth.
Marketing spend remains high at 9.5% of revenue, which could pressure future margins if growth slows.
R&D expense sits at 5.5% of revenue, down from 6.5% last year but still a significant investment that may weigh on near-term profits.

07/14/25 08:33 AMAI Generated. May Contain Errors.

Frequently Asked Questions About Paymentus' Financials

When does Paymentus' fiscal year end?

According to the most recent income statement we have on file, Paymentus' financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has Paymentus' net income changed over the last 5 years?

Paymentus' net income appears to be on an upward trend, with a most recent value of $44.17 million in 2024, rising from $13.70 million in 2019. The previous period was $22.32 million in 2023. Find out what analysts predict for Paymentus in the coming months.

What is Paymentus' operating income?

Paymentus' total operating income in 2024 was $44.86 million, based on the following breakdown:

Total Gross Profit: $238.17 million
Total Operating Expenses: $193.31 million

How has Paymentus' revenue changed over the last 5 years?

Over the last 5 years, Paymentus' total revenue changed from $235.78 million in 2019 to $871.75 million in 2024, a change of 269.7%.

How much debt does Paymentus have?

Paymentus' total liabilities were at $90.65 million at the end of 2024, a 20.5% increase from 2023, and a 123.8% increase since 2020.

How much cash does Paymentus have?

In the past 4 years, Paymentus' cash and equivalents has ranged from $46.67 million in 2020 to $205.90 million in 2024, and is currently $205.90 million as of their latest financial filing in 2024.

How has Paymentus' book value per share changed over the last 5 years?

Over the last 5 years, Paymentus' book value per share changed from 0.00 in 2019 to 3.90 in 2024, a change of 389.6%.

Related Companies

This page (NYSE:PAY) was last updated on 7/14/2025 by MarketBeat.com Staff

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