PAY
Paymentus Holdings, Inc.30.76
+0.52+1.72%
Dec 16, 4:00:02 PM EST
Earnings Call Transcripts
This Quarter (Q1 '26)
No earnings call transcript available yet
Last Quarter (Q4 '25)
FY Q4 '25
AI upside, guidance prudence detailed
Q&A largely reaffirmed prepared remarks' bullish tone on momentum and prudent 2026 guidance achievable sans new clients, but surfaced AI as a major tailwind: Paymentus' consumption-only model dodges SaaS pitfalls while unlocking client-side opportunities. Management detailed guidance conservatism from limited experience with large enterprises--just 1.5 quarters--driving higher revenue per transaction via bigger payments, not compression, plus S&M investments for untapped verticals. Same-store sales could double existing base revenue. Enterprise ramps boost economics. AI favors Paymentus. Watch vertical expansion, seasonality.
Key Stats
Market Cap
3.86BP/E (TTM)
65.45Basic EPS (TTM)
0.47Dividend Yield
0%Recent Filings
8-K
2026 exec comp program adopted
Paymentus board adopted its 2026 Executive Incentive Compensation Program on March 9, tying bonuses to revenue, non-GAAP CP, Adjusted EBITDA metrics, and individual performance; CEO Sharma's target hits 192.9% of his $382K base. It granted RSUs to executives—139K each to CFO Kalra and CCO Portocalis, 23K to GC Gerber—for retention, vesting 1/5 after year one then quarterly. Payouts hinge on hitting thresholds.
10-K
FY2025 results
Paymentus drove FY2025 revenue to $1.20B, up 37% y/y, fueled by 724M transactions processed—a 21% y/y surge from new billers and existing client growth. Q4 accelerated this momentum with enterprise wins, though gross margin dipped to 24.8% from high-volume mix shifts, offset by scale benefits yielding $137M adjusted EBITDA (up 46% y/y). Free cash flow hit $125M on $162M operating cash. Cash swelled to $321M; no debt or buybacks. Yet sales cycles to large enterprises remain complex, unpredictable.
8-K
Q4 revenue up 28.1%
Paymentus crushed Q4 2025 with revenue hitting $330.5 million, up 28.1% year-over-year, fueled by more billers and 192.7 million transactions. Full-year revenue soared 37.3% to $1,196.5 million, while adjusted EBITDA jumped 46.3% to $39.9 million. Cash swelled to $320.9 million. Guidance eyes $330-340 million Q1 revenue.
10-Q
Q3 FY2025 results
Paymentus crushed Q3 with revenue jumping 34.2% y/y to $310.7M from $231.6M, fueled by 17.4% more transactions at 182.3M, though gross margin slipped to 24.1% from 26.2% on high-volume enterprise billers. Operating income soared 64.3% y/y to $19.9M, diluted EPS held at $0.14 (reconciles to 129.2M shares), while YTD revenue rocketed 41.1% to $866.0M and net income 49.1% to $46.3M. Cash swelled to $287.9M, no debt; YTD FCF hit $89.3M (derived). Operating leverage shines. New billers drive growth, yet competition shadows scale.
8-K
Q3 revenue up 34.2%
Paymentus reported Q3 2025 revenue of $310.7 million, up 34.2% year-over-year, fueled by more billers and 17.4% higher transactions at 182.3 million. Adjusted EBITDA hit $35.9 million, surging 45.9% to a record 36.5% margin, while net income rose to $17.7 million. Revenue soared. Guides FY2025 revenue to $1.173-$1.178 billion.
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