Financials Paymentus Holdings, Inc.

Equities

PAY

US70439P1084

Financial Technology (Fintech)

Market Closed - Nyse Other stock markets 21:00:02 13/02/2026 GMT			5-day change	1st Jan Change
23.10 ^USD	-0.39%		-6.89%	-26.88%

11-18	Paymentus Holdings, Inc. Presents at Citi's 14th Annual FinTech Conference, Nov-18-2025 10:30 AM
11-04	Paymentus Holdings, Inc., Q3 2025 Earnings Call, Nov 03, 2025

Projected Income Statement: Paymentus Holdings, Inc.

Fiscal Period: December	2020	2021	2022	2023	2024	2025	2026	2027
Net sales ¹	-	395.5	497	614.5	871.7	1,178	1,429	1,723
Change	-	-	25.66%	23.64%	41.86%	35.16%	21.26%	20.61%
EBITDA ¹	-	29.52	28.59	58.08	94.2	133	166.4	209.2
Change	-	-	-3.13%	103.14%	62.17%	41.17%	25.1%	25.76%
EBIT ¹	-	10.37	-2.976	18.09	44.86	70.07	96.37	130.6
Change	-	-	-128.69%	707.96%	147.92%	56.21%	37.53%	35.56%
Interest Paid	-	-	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	-	10.37	-1.308	25.12	53.94	79.98	105	141
Change	-	-	-112.62%	2,020.8%	114.71%	48.26%	31.25%	34.37%
Net income ¹	13.71	9.3	-0.513	22.32	44.17	62.28	82.7	106.9
Change	-	-32.17%	-105.52%	4,451.27%	97.87%	41%	32.78%	29.23%
Announcement Date	30/04/21	16/02/22	23/02/23	04/03/24	10/03/25	-	-	-

¹USD in Million

Estimates

Fiscal Period: December	2021 Q2	2021 Q3	2021 Q4	2022 Q1	2022 Q2	2022 Q3	2022 Q4	2023 Q1	2023 Q2	2023 Q3	2023 Q4	2024 Q1	2024 Q2	2024 Q3	2024 Q4	2025 Q1	2025 Q2	2025 Q3	2025 Q4	2026 Q1	2026 Q2	2026 Q3	2026 Q4	2027 Q1	2027 Q2	2027 Q3
Net sales ¹	93.5	101.7	108.1	116.7	120	128.2	132.2	148.3	148.9	152.4	164.8	184.9	197.4	231.6	257.9	275.2	280.1	310.7	313.8	334.1	342.9	372.6	377.1	400.8	407.8	453.8
Change	-	8.75%	6.35%	7.93%	2.8%	6.82%	3.14%	12.22%	0.41%	2.34%	8.12%	12.18%	6.79%	17.3%	11.36%	6.73%	1.76%	10.95%	0.98%	6.48%	2.62%	8.68%	1.2%	6.3%	1.72%	11.31%
EBITDA ¹	8.312	5.529	6.27	5.379	5.005	8.012	10.2	8.414	14.2	15.54	19.92	19.81	22.53	24.58	27.28	29.97	31.69	35.85	35.63	37.75	40.16	43.24	44.55	46.35	49.35	55.1
Change	-	-33.48%	13.4%	-14.21%	-6.95%	60.08%	27.26%	-17.48%	68.83%	9.39%	28.23%	-0.56%	13.7%	9.1%	10.99%	9.88%	5.73%	13.12%	-0.61%	5.95%	6.38%	7.68%	3.01%	4.05%	6.47%	11.65%
EBIT ¹	4.081	1.128	0.311	-1.371	-2.225	-0.917	1.537	-0.984	4.626	5.311	9.14	8.343	10.24	12.09	14.19	15.69	15.92	19.86	18.69	20.38	22.57	26.12	27.03	27.95	30.45	35.7
Change	-	-72.36%	-72.43%	-540.84%	-62.29%	58.79%	267.61%	-164.02%	570.12%	14.81%	72.1%	-8.72%	22.69%	18.09%	17.39%	10.56%	1.49%	24.74%	-5.88%	9.01%	10.76%	15.7%	3.51%	3.39%	8.94%	17.24%
Charge d'intérêts	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	4.076	1.123	0.308	-1.353	-2.073	-0.441	2.559	0.448	6.277	7.199	11.2	10.76	12.47	14.44	16.28	17.8	18.37	22.6	21.02	22.17	24.87	27.83	28.37	30.2	32.7	38
Change	-	-72.45%	-72.57%	-539.29%	-53.22%	78.73%	680.27%	-82.49%	1,301.12%	14.69%	55.58%	-3.93%	15.88%	15.77%	12.78%	9.34%	3.19%	23.04%	-6.98%	5.43%	12.18%	11.93%	1.92%	6.46%	8.28%	16.21%
Net income ¹	0.575	0.422	4.665	1.718	-2.451	-0.737	0.957	0.704	5.839	6.377	9.402	7.226	9.364	14.43	13.15	13.81	14.71	17.74	15.97	17.55	19.54	22.34	23.29	22.67	24.58	28.47
Change	-	-26.61%	1,005.45%	-63.17%	-242.67%	69.93%	229.85%	-26.44%	729.4%	9.21%	47.44%	-23.14%	29.59%	54.1%	-8.88%	5.05%	6.47%	20.65%	-9.97%	9.87%	11.33%	14.32%	4.27%	-2.66%	8.43%	15.83%
Announcement Date	10/08/21	09/11/21	16/02/22	04/05/22	03/08/22	09/11/22	23/02/23	08/05/23	07/08/23	06/11/23	04/03/24	06/05/24	08/08/24	12/11/24	10/03/25	05/05/25	04/08/25	03/11/25	-	-	-	-	-	-	-	-

¹USD in Million

Estimates

Forecast Balance Sheet: Paymentus Holdings, Inc.

Fiscal Period: December	2020	2021	2022	2023	2024	2025	2026	2027
Net Debt ¹	-	-160	-137	-169	-197	-285	-363	-478
Change	-	-	14.38%	-23.36%	-16.57%	-44.31%	-27.37%	-31.68%
Announcement Date	30/04/21	16/02/22	23/02/23	04/03/24	10/03/25	-	-	-

¹USD in Million

Estimates

Cash Flow Forecast: Paymentus Holdings, Inc.

Fiscal Period: December	2021	2022	2023	2024	2025	2026	2027
CAPEX ¹	1.109	1.537	0.6	0.457	1	1	1
Change	-	38.59%	-60.96%	-23.83%	118.82%	0%	0%
Free Cash Flow (FCF) ¹	-0.916	-11.43	68.23	63.18	103.1	83.2	100.8
Change	-	-1,148.14%	696.76%	-7.4%	63.19%	-19.3%	21.21%
Announcement Date	16/02/22	23/02/23	04/03/24	10/03/25	-	-	-

¹USD in Million

Estimates

Forecast Financial Ratios: Paymentus Holdings, Inc.

Fiscal Period: December	2020	2021	2022	2023	2024	2025	2026	2027
Profitability
EBITDA Margin (%)	-	7.46%	5.75%	9.45%	10.81%	11.29%	11.64%	12.14%
EBIT Margin (%)	-	2.62%	-0.6%	2.94%	5.15%	5.95%	6.74%	7.58%
EBT Margin (%)	-	2.62%	-0.26%	4.09%	6.19%	6.79%	7.35%	8.18%
Net margin (%)	-	2.35%	-0.1%	3.63%	5.07%	5.29%	5.79%	6.2%
FCF margin (%)	-	-0.23%	-2.3%	11.1%	7.25%	8.75%	5.82%	5.85%
FCF / Net Income (%)	-	-9.85%	2,228.65%	305.65%	143.03%	165.54%	100.61%	94.37%
Profitability
ROA	-	3.25%	1.73%	6.35%	10.39%	13.77%	14.32%	15.31%
ROE	-	4.12%	2.1%	7.43%	12.27%	16.39%	17.17%	18.42%
Financial Health
Leverage (Debt/EBITDA)	-	-	-	-	-	-	-	-
Debt / Free cash flow	-	-	-	-	-	-	-	-
Capital Intensity
CAPEX / Current Assets (%)	-	0.28%	0.31%	0.1%	0.05%	0.08%	0.07%	0.06%
CAPEX / EBITDA (%)	-	3.76%	5.38%	1.03%	0.49%	0.75%	0.6%	0.48%
CAPEX / FCF (%)	-	-121.07%	-13.44%	0.88%	0.72%	0.97%	1.2%	0.99%
Items per share
Cash flow per share ¹	-	0.1641	0.163	-	-	-	-	-
Change	-	-	-0.67%	-	-	-	-	-
Dividend per Share ¹	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
Book Value Per Share ¹	-	3.201	3.223	3.435	3.89	4.308	4.878	5.77
Change	-	-	0.7%	6.58%	13.24%	10.76%	13.22%	18.28%
EPS ¹	-	0.06	-	0.18	0.35	0.4849	0.6443	0.8228
Change	-	-	-	-	94.44%	38.54%	32.88%	27.71%
Nbr of stocks (in thousands)	-	120,023	122,990	123,697	124,634	125,429	125,429	125,429
Announcement Date	-	16/02/22	23/02/23	04/03/24	10/03/25	-	-	-