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Paymentus Holdings, Inc. (PAY)
Technology · Software - Infrastructure · NYSE
Paymentus Holdings, Inc. revenue & earnings — last 7 fiscal years
| Metric | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|
| Revenue | $235.78M | $301.77M | $395.52M | $497.00M | $614.49M | $871.75M | $1.20B |
| Gross profit | $74.43M | $92.63M | $121.38M | $149.68M | $182.34M | $238.17M | $296.34M |
| Net income | $13.70M | $13.71M | $9.30M | $-513,000 | $22.32M | $44.17M | $66.94M |
| Net margin | 5.8% | 4.5% | 2.4% | -0.1% | 3.6% | 5.1% | 5.6% |
Source: Paymentus Holdings, Inc. SEC filings (10-K).
What growth is priced into PAY stock?
At today's market cap of $2.59B, Paymentus Holdings, Inc. is priced for free-cash-flow growth of about 8.2% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $125.03M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 28.9%/yr over the last five fiscal years and revenue 31.7%/yr, computed from its SEC filings. This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 7 years of Paymentus Holdings, Inc. financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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Paymentus Holdings, Inc. financial history by metric
About Paymentus Holdings, Inc.
Paymentus Holdings, Inc. provides cloud-based bill payment technology and solutions in the United States and internationally. The company offers electronic bill presentment and payment services, enterprise customer communication, and self-service revenue management to billers through a software-as-a-service, secure, and omni channel technology platform. Its platform's payment processing includes credit cards, debit cards, echecks, and digital wallets. The company serves utility, financial services, insurance, telecommunication, real estate management, education, consumer finance, healthcare, and business to business industries, as well as governments and small businesses. Paymentus Holdings, Inc. was founded in 2004 and is headquartered in Charlotte, North Carolina.
Paymentus Holdings, Inc. — frequently asked questions
What is Paymentus Holdings, Inc.'s revenue?
Paymentus Holdings, Inc. (PAY) reported revenue of $1.20B for fiscal year 2025, up 37.3% from the prior year, according to its SEC filings.
Is Paymentus Holdings, Inc. profitable?
Yes. PAY earned net income of $66.94M in fiscal 2025, a net margin of 5.6%.
What is PAY's P/E ratio?
Paymentus Holdings, Inc. trades at a price-to-earnings ratio of about 36.1 based on the latest data in our nightly-refreshed cache.
How fast is Paymentus Holdings, Inc. growing?
PAY's revenue grew at roughly 31.7% per year over the last five fiscal years (compound annual growth rate), computed from SEC-filed statements.
How much debt does Paymentus Holdings, Inc. have?
As of fiscal year 2025, PAY carried roughly $0 in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is Paymentus Holdings, Inc.'s gross margin?
PAY's gross margin was 24.8% in fiscal 2025 — gross profit of $296.34M on revenue of $1.20B.
What is Paymentus Holdings, Inc.'s market cap?
Paymentus Holdings, Inc. (PAY) has a market capitalization of about $2.59B, based on the latest data in our nightly-refreshed cache.
When does Paymentus Holdings, Inc.'s fiscal year end?
PAY's fiscal year ends in December. Its most recent annual filing covers the fiscal year ending 2025-12-31.
What growth is priced into PAY stock?
At today's market cap of $2.59B, Paymentus Holdings, Inc. is priced for free-cash-flow growth of about 8.2% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $125.03M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 28.9%/yr over the last five fiscal years and revenue 31.7%/yr, computed from its SEC filings.
Where does this data come from?
All figures are computed from Paymentus Holdings, Inc.'s official SEC filings (10-K and 10-Q), covering 7 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.