Cash flow Paymentus Holdings, Inc.

Equities

PAY

US70439P1084

Financial Technology (Fintech)

Market Closed - Nyse Other stock markets 21:00:02 21/01/2026 GMT			5-day change	1st Jan Change
28.91 ^USD	+1.76%		-2.79%	-8.48%

11-18	Paymentus Holdings, Inc. Presents at Citi's 14th Annual FinTech Conference, Nov-18-2025 10:30 AM
11-04	Paymentus Offers Clear Path to Capitalize in Coming Quarters, Wedbush Says	MT

373f8fb1c5dc13f4.z8XAczOq_Ed_RFOBQhsgjqSIfR_ta3caE_ghX1peE9I.gIyTJWPCqBYnAAzsBW5N5M_sUE2MDicpX8lyEBRudOWhtLRFQOzFIzUyGg

Published financial data: PAYMENTUS HOLDINGS, INC.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Revenues	302M	396M	497M	614M	872M
Total Revenues	302M	396M	497M	614M	872M
Cost of Goods Sold, Total	209M	274M	347M	432M	634M
Gross Profit	92.63M	121M	150M	182M	238M
Selling General & Admin Expenses, Total	49.69M	75.18M	111M	120M	142M
R&D Expenses	24.51M	34.12M	41.22M	44.25M	51.33M
Other Operating Expenses, Total	74.2M	109M	153M	164M	193M
Operating Income	18.43M	12.07M	-2.98M	18.09M	44.86M
Interest Expense, Total	-	-6K	-	-	-
Interest And Investment Income	52K	-	1.66M	7.02M	8.74M
Net Interest Expenses	52K	-6K	1.66M	7.02M	8.74M
Currency Exchange Gains (Loss)	-116K	-1K	5K	12K	-
Other Non Operating Income (Expenses)	-	-	-	-	345K
EBT, Excl. Unusual Items	18.36M	12.07M	-1.31M	25.12M	53.94M
Merger & Related Restructuring Charges	-	-1.7M	-	-	-
EBT, Incl. Unusual Items	18.36M	10.37M	-1.31M	25.12M	53.94M
Income Tax Expense	4.65M	1.07M	-795K	2.8M	9.78M
Earnings From Continuing Operations	13.71M	9.3M	-513K	22.32M	44.17M
Net Income to Company	13.71M	9.3M	-513K	22.32M	44.17M
Net Income - (IS)	13.71M	9.3M	-513K	22.32M	44.17M
Preferred Dividend and Other Adjustments	5.19M	2.26M	-	-	-
Net Income to Common Incl Extra Items	8.52M	7.04M	-513K	22.32M	44.17M
Net Income to Common Excl. Extra Items	8.52M	7.04M	-513K	22.32M	44.17M
Per Share Items
Net EPS - Basic	0.08	0.06	-0	0.18	0.36
Basic EPS - Continuing Operations	0.08	0.06	-0	0.18	0.36
Basic Weighted Average Shares Outstanding	103M	113M	122M	124M	124M
Net EPS - Diluted	0.08	0.06	-0	0.18	0.35
Diluted EPS - Continuing Operations	0.08	0.06	-0	0.18	0.35
Diluted Weighted Average Shares Outstanding	106M	119M	122M	125M	128M
Normalized Basic EPS	0.11	0.07	-0.01	0.13	0.27
Normalized Diluted EPS	0.11	0.06	-0.01	0.13	0.26
Payout Ratio	-	370.02	-	-	-
Supplemental Items
EBITDA	20M	15.97M	6.39M	27.39M	53.76M
EBITA	19.03M	14.97M	5.32M	26.49M	52.96M
EBIT	18.43M	12.07M	-2.98M	18.09M	44.86M
EBITDAR	23.37M	19.88M	9.82M	30.75M	56.78M
Effective Tax Rate - (Ratio)	25.34	10.28	60.78	11.15	18.12
Current Domestic Taxes	2.48M	915K	1.3M	1.33M	9.98M
Current Foreign Taxes	534K	811K	875K	1.06M	1.14M
Total Current Taxes	3.02M	1.73M	2.18M	2.39M	11.12M
Deferred Domestic Taxes	1.58M	-765K	-3.02M	388K	-1.33M
Deferred Foreign Taxes	51K	105K	47K	26K	-16K
Total Deferred Taxes	1.63M	-660K	-2.97M	414K	-1.35M
Normalized Net Income	11.48M	7.54M	-818K	15.7M	33.72M
Interest on Long-Term Debt	23K	16K	8K	-	-
Supplemental Operating Expense Items
Advertising Expense	500K	1.5M	2M	1.3M	800K
Selling and Marketing Expenses	31.84M	43.92M	73.3M	84M	105M
General and Administrative Expenses	14.48M	31.27M	38.14M	36M	36.93M
Research And Development Expense From Footnotes	28.01M	39.02M	50.02M	57.55M	69.24M
Net Rental Expense, Total	3.37M	3.91M	3.43M	3.36M	3.02M
Imputed Operating Lease Interest Expense	-	17.67K	-	-	-
Imputed Operating Lease Depreciation	-	3.89M	-	-	-
Stock-Based Comp., COGS (Total)	-	-	-	156K	251K
Stock-Based Comp., R&D Exp. (Total)	27K	517K	1.65M	1.99M	3.1M
Stock-Based Comp., S&M Exp. (Total)	34K	280K	1.74M	2.81M	5.64M
Stock-Based Comp., G&A Exp. (Total)	1.93M	2.34M	3.35M	4.44M	3.86M
Total Stock-Based Compensation	1.99M	3.14M	6.74M	9.39M	12.86M

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	46.67M	168M	147M	179M	206M
Total Cash And Short Term Investments	46.67M	168M	147M	179M	206M
Accounts Receivable, Total	28.03M	45.64M	70.49M	79.28M	120M
Other Receivables	2.21M	2.49M	1.49M	259K	3.36M
Total Receivables	30.24M	48.12M	71.98M	79.54M	123M
Prepaid Expenses	2.92M	6.48M	7.29M	7.61M	13.06M
Restricted Cash	-	33.44M	2.35M	3.83M	3.51M
Total Current Assets	79.83M	256M	229M	270M	346M
Gross Property Plant And Equipment	13.85M	14.54M	17.13M	18.2M	16.08M
Accumulated Depreciation	-3.76M	-4.79M	-5.74M	-6.61M	-7.12M
Net Property Plant And Equipment	10.09M	9.75M	11.38M	11.58M	8.96M
Goodwill	13.2M	129M	132M	132M	132M
Other Intangibles, Total	21.26M	72.98M	82.05M	85.94M	86.45M
Accounts Receivable Long-Term	-	3.9M	7M	4.78M	-
Deferred Tax Assets Long-Term	270K	163K	116K	94K	367K
Other Long-Term Assets, Total	218K	307K	178K	248K	3.02M
Total Assets	125M	473M	462M	505M	576M
Liabilities
Accounts Payable, Total	16.82M	24.75M	29.23M	35.18M	49.87M
Accrued Expenses, Total	9.07M	10.05M	14M	21.3M	26.46M
Short-term Borrowings	-	-	-	-	-
Current Portion of Long-Term Debt	863K	2.11M	1.71M	-	-
Current Portion of Leases	3.28M	1.73M	1.56M	1.85M	2.09M
Current Income Taxes Payable	463K	122K	635K	363K	190K
Unearned Revenue Current, Total	612K	2.17M	4.36M	4.09M	2.94M
Other Current Liabilities	-	33.5M	-	-	-
Total Current Liabilities	31.11M	74.43M	51.5M	62.79M	81.55M
Long-Term Debt	61K	788K	750K	-	-
Long-Term Leases	5.83M	6.56M	8.61M	8.66M	6.32M
Unearned Revenue Non Current	-	1.71M	2.83M	2.73M	2.78M
Deferred Tax Liability Non Current	3.5M	3.32M	680K	1.07M	-
Total Liabilities	40.5M	86.81M	64.36M	75.25M	90.65M
Common Stock, Total	103K	12K	12K	12K	12K
Additional Paid In Capital	29.38M	356M	368M	378M	390M
Retained Earnings	55.05M	29.94M	29.42M	51.74M	95.91M
Treasury Stock	-372K	-	-	-	-
Comprehensive Income and Other	216K	168K	-22K	87K	-233K
Total Common Equity	84.38M	386M	397M	430M	486M
Total Equity	84.38M	386M	397M	430M	486M
Total Liabilities And Equity	125M	473M	462M	505M	576M
Supplemental Items
ECS Total Shares Outstanding on Filing Date	103M	121M	123M	124M	125M
ECS Total Common Shares Outstanding	103M	121M	123M	124M	125M
Book Value / Share	0.82	3.2	3.22	3.47	3.89
Tangible Book Value	49.91M	184M	183M	212M	267M
Tangible Book Value Per Share	0.48	1.52	1.49	1.71	2.14
Total Debt	10.03M	11.18M	12.63M	10.51M	8.41M
Net Debt	-36.64M	-157M	-135M	-169M	-197M
Debt Equivalent Oper. Leases	26.97M	31.28M	27.46M	26.85M	24.16M
Account Code - Inventory Valuation	3	-	3	3	3
Machinery, Total	5.35M	6.39M	7.15M	7.77M	7.9M
Full Time Employees	843	1.12K	1.26K	1.27K	1.31K
Accumulated Allowance for Doubtful Accounts (Supple)	100K	102K	370K	435K	257K

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	13.71M	9.3M	-513K	22.32M	44.17M
Depreciation & Amortization - CF	969K	995K	1.06M	900K	798K
Amortization of Goodwill and Intangible Assets - (CF)	600K	2.9M	8.3M	8.4M	8.1M
Depreciation & Amortization, Total	1.57M	3.9M	9.36M	9.3M	8.9M
Amortization of Deferred Charges, Total - (CF)	6.5M	9.4M	14.7M	21.3M	31.34M
Stock-Based Compensation (CF)	1.99M	3.14M	6.74M	9.39M	10.99M
Provision and Write-off of Bad Debts	100K	775K	2.33M	3.09M	3.37M
Other Operating Activities, Total	4.44M	1.84M	-846K	2.2M	827K
Change In Accounts Receivable	-8.69M	-14.74M	-24.29M	-8.67M	-46.92M
Change In Accounts Payable	14.64M	7.38M	4.77M	6.02M	13.82M
Change in Unearned Revenues	184K	474K	3.3M	-361K	-1.1M
Change In Income Taxes	217K	-827K	1.54M	958K	-3.26M
Change in Other Net Operating Assets	958K	-1.14M	2.78M	3.29M	1.49M
Cash from Operations	35.62M	19.49M	19.87M	68.83M	63.63M
Capital Expenditure	-458K	-979K	-1.26M	-600K	-457K
Cash Acquisitions	-290K	-57.4M	-3.26M	-	-
Sale (Purchase) of Intangible assets	-14.39M	-19.43M	-30.04M	-33.7M	-36.12M
Investment in Marketable and Equity Securities, Total	-	-	-	-	-185K
Cash from Investing	-15.14M	-77.81M	-34.56M	-34.3M	-36.76M
Long-Term Debt Repaid, Total	-1.36M	-4.83M	-5.33M	-1.81M	-
Total Debt Repaid	-1.36M	-4.83M	-5.33M	-1.81M	-
Issuance of Common Stock	-	276M	1.49M	616K	338K
Issuance of Preferred Stock	-	-	-	-	-
Repurchase of Preferred Stock	-	-23.01M	-	-	-
Preferred Dividends Paid	-	-34.41M	-	-	-
Common & Preferred Stock Dividends Paid	-	-34.41M	-	-	-
Other Financing Activities, Total	-	23K	-33.44M	-	-545K
Cash from Financing	-1.36M	213M	-37.28M	-1.2M	-207K
Foreign Exchange Rate Adjustments	114K	-8K	-168K	176K	-450K
Net Change in Cash	19.24M	155M	-52.14M	33.51M	26.22M
Supplemental Items
Cash Income Tax Paid (Refund)	2.89M	2.49M	672K	1.4M	14.4M
Levered Free Cash Flow	15.29M	-7.7M	-18.31M	20.35M	14.33M
Unlevered Free Cash Flow	15.29M	-7.69M	-18.31M	20.35M	14.33M
Change In Net Working Capital	-8.56M	11.26M	15.95M	-3.35M	30.23M
Net Debt Issued / Repaid	-1.36M	-4.83M	-5.33M	-1.81M	-

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	11.22	2.52	-0.4	2.34	5.19
Return on Total Capital	14.08	3.07	-0.46	2.66	6
Return On Equity %	17.93	3.95	-0.13	5.4	9.65
Return on Common Equity	11.15	2.99	-0.13	5.4	9.65
Margin Analysis
Gross Profit Margin %	30.69	30.69	30.12	29.67	27.32
SG&A Margin	16.47	19.01	22.42	19.53	16.29
EBITDA Margin %	6.63	4.04	1.29	4.46	6.17
EBITA Margin %	6.31	3.79	1.07	4.31	6.07
EBIT Margin %	6.11	3.05	-0.6	2.94	5.15
Income From Continuing Operations Margin %	4.54	2.35	-0.1	3.63	5.07
Net Income Margin %	4.54	2.35	-0.1	3.63	5.07
Net Avail. For Common Margin %	2.82	1.78	-0.1	3.63	5.07
Normalized Net Income Margin	3.8	1.91	-0.16	2.56	3.87
Levered Free Cash Flow Margin	5.07	-1.95	-3.68	3.31	1.64
Unlevered Free Cash Flow Margin	5.07	-1.95	-3.68	3.31	1.64
Asset Turnover
Asset Turnover	2.94	1.32	1.06	1.27	1.61
Fixed Assets Turnover	52.16	39.87	47.04	53.51	84.87
Receivables Turnover (Average Receivables)	12.71	10.74	8.56	8.2	8.89
Short Term Liquidity
Current Ratio	2.57	3.45	4.45	4.31	4.24
Quick Ratio	2.47	2.91	4.26	4.12	4.04
Operating Cash Flow to Current Liabilities	1.14	0.26	0.39	1.1	0.78
Days Sales Outstanding (Average Receivables)	28.8	33.99	42.64	44.49	41.19
Average Days Payable Outstanding	16.62	27.68	28.36	27.2	24.57
Long Term Solvency
Total Debt/Equity	11.89	2.9	3.18	2.45	1.73
Total Debt / Total Capital	10.62	2.81	3.08	2.39	1.7
LT Debt/Equity	6.98	1.9	2.36	2.02	1.3
Long-Term Debt / Total Capital	6.24	1.85	2.28	1.97	1.28
Total Liabilities / Total Assets	32.43	18.36	13.94	14.9	15.73
EBIT / Interest Expense	-	2.01K	-	-	-
EBITDA / Interest Expense	-	3.31K	-	-	-
(EBITDA - Capex) / Interest Expense	-	3.15K	-	-	-
Total Debt / EBITDA	0.43	0.56	1.29	0.34	0.15
Net Debt / EBITDA	-1.57	-7.91	-13.72	-5.49	-3.48
Total Debt / (EBITDA - Capex)	0.44	0.59	1.48	0.35	0.15
Net Debt / (EBITDA - Capex)	-1.6	-8.32	-15.73	-5.6	-3.51
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	27.99	31.07	25.66	23.64	41.86
Gross Profit, 1 Yr. Growth %	24.44	31.04	23.31	21.82	30.62
EBITDA, 1 Yr. Growth %	-1.84	-20.15	-60	328.89	96.59
EBITA, 1 Yr. Growth %	-3.76	-21.31	-64.44	397.61	99.89
EBIT, 1 Yr. Growth %	0.31	-34.49	-124.65	-707.96	147.92
Earnings From Cont. Operations, 1 Yr. Growth %	0.1	-32.17	-105.52	-4.45K	97.87
Net Income, 1 Yr. Growth %	0.1	-32.17	-105.52	-4.45K	97.87
Normalized Net Income, 1 Yr. Growth %	-0.62	-34.3	-110.84	-2.02K	114.71
Diluted EPS Before Extra, 1 Yr. Growth %	-4.76	-25	-107	-4.38K	94.45
Accounts Receivable, 1 Yr. Growth %	44.09	62.78	54.46	12.42	56.85
Net Property, Plant and Equip., 1 Yr. Growth %	583.41	-3.44	16.79	1.77	-22.68
Total Assets, 1 Yr. Growth %	55.2	278.74	-2.41	9.39	14.14
Tangible Book Value, 1 Yr. Growth %	20.45	268.13	-0.25	15.57	26.21
Common Equity, 1 Yr. Growth %	22.99	357.63	2.86	8.17	13.03
Cash From Operations, 1 Yr. Growth %	103.41	-45.28	1.92	246.44	-7.55
Capital Expenditures, 1 Yr. Growth %	-55.96	113.76	28.4	-52.27	-23.83
Levered Free Cash Flow, 1 Yr. Growth %	-	-150.34	137.88	-211.15	-38.65
Unlevered Free Cash Flow, 1 Yr. Growth %	-	-150.31	137.99	-211.15	-38.65
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	-	29.52	28.33	24.64	32.44
Gross Profit, 2 Yr. CAGR %	-	27.7	27.12	22.57	26.14
EBITDA, 2 Yr. CAGR %	-	-11.47	-43.48	38.56	188.33
EBITA, 2 Yr. CAGR %	-	-12.98	-47.1	41.28	215.39
EBIT, 2 Yr. CAGR %	-	-18.93	-59.81	32.07	288.24
Earnings From Cont. Operations, 2 Yr. CAGR %	-	-17.6	-80.66	54.93	827.9
Net Income, 2 Yr. CAGR %	-	-17.6	-80.66	54.93	827.9
Normalized Net Income, 2 Yr. CAGR %	-	-19.19	-73.31	55.68	542.2
Diluted EPS Before Extra, 2 Yr. CAGR %	-	-13.4	-77.08	73.2	812.76
Accounts Receivable, 2 Yr. CAGR %	-	53.15	58.57	31.81	30.35
Net Property, Plant and Equip., 2 Yr. CAGR %	-	156.89	6.2	9.02	-11.29
Total Assets, 2 Yr. CAGR %	-	142.45	92.25	3.32	11.74
Tangible Book Value, 2 Yr. CAGR %	-	110.57	91.63	7.37	20.77
Common Equity, 2 Yr. CAGR %	-	137.24	116.96	5.48	10.57
Cash From Operations, 2 Yr. CAGR %	-	5.51	-25.32	87.91	78.97
Capital Expenditures, 2 Yr. CAGR %	-	-2.98	65.67	-21.71	-39.7
Levered Free Cash Flow, 2 Yr. CAGR %	-	-	9.42	52.42	-6.12
Unlevered Free Cash Flow, 2 Yr. CAGR %	-	-	9.42	52.45	-6.12
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	-	-	28.22	26.75	30.14
Gross Profit, 3 Yr. CAGR %	-	-	26.22	25.33	25.19
EBITDA, 3 Yr. CAGR %	-	-	-32.07	11.06	55.6
EBITA, 3 Yr. CAGR %	-	-	-35.42	11.66	58.61
EBIT, 3 Yr. CAGR %	-	-	-45.49	-0.61	62.92
Earnings From Cont. Operations, 3 Yr. CAGR %	-	-	-66.54	17.64	68.09
Net Income, 3 Yr. CAGR %	-	-	-66.54	17.64	68.09
Normalized Net Income, 3 Yr. CAGR %	-	-	-58.63	11.01	73.29
Diluted EPS Before Extra, 3 Yr. CAGR %	-	-	-62.55	31.04	80.01
Accounts Receivable, 3 Yr. CAGR %	-	-	53.59	41.42	37.96
Net Property, Plant and Equip., 3 Yr. CAGR %	-	-	97.53	4.7	-2.77
Total Assets, 3 Yr. CAGR %	-	-	79.01	59.31	6.81
Tangible Book Value, 3 Yr. CAGR %	-	-	64.15	61.9	13.31
Common Equity, 3 Yr. CAGR %	-	-	79.56	72.04	7.94
Cash From Operations, 3 Yr. CAGR %	-	-	4.3	24.55	48.34
Capital Expenditures, 3 Yr. CAGR %	-	-	6.52	9.42	-22.43
Levered Free Cash Flow, 3 Yr. CAGR %	-	-	-	10	17.82
Unlevered Free Cash Flow, 3 Yr. CAGR %	-	-	-	10	17.83
Compound Annual Growth Rate Over Five Years
Total Revenues, 5 Yr. CAGR %	-	-	-	-	29.89
Gross Profit, 5 Yr. CAGR %	-	-	-	-	26.19
EBITDA, 5 Yr. CAGR %	-	-	-	-	21.42
EBITA, 5 Yr. CAGR %	-	-	-	-	21.78
EBIT, 5 Yr. CAGR %	-	-	-	-	19.55
Earnings From Cont. Operations, 5 Yr. CAGR %	-	-	-	-	26.39
Net Income, 5 Yr. CAGR %	-	-	-	-	26.39
Normalized Net Income, 5 Yr. CAGR %	-	-	-	-	23.89
Diluted EPS Before Extra, 5 Yr. CAGR %	-	-	-	-	34.34
Accounts Receivable, 5 Yr. CAGR %	-	-	-	-	43.84
Net Property, Plant and Equip., 5 Yr. CAGR %	-	-	-	-	43.41
Total Assets, 5 Yr. CAGR %	-	-	-	-	48.25
Tangible Book Value, 5 Yr. CAGR %	-	-	-	-	45.19
Common Equity, 5 Yr. CAGR %	-	-	-	-	47.91
Cash From Operations, 5 Yr. CAGR %	-	-	-	-	29.44
Capital Expenditures, 5 Yr. CAGR %	-	-	-	-	-15.16