Paymentus Holdings, Inc.

Consumer Discretionary
Business Services
www.paymentus.com

Earnings Score
Moat Score

Market Cap $4.30B
PE 106
Debt $NaN
Cash $190.79M
EV $NaN
FCF $59.70M

Earnings

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Sales & Net Margins

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Earnings	$40.42M
EBIT	$48.86M
ROE	9%
ROA	9%
FCF	$59.70M
Equity	$468.79M
Growth Stability	-6%
PE	106.39
PEG	2.7
PB	9.17
P/FCF	72.04
P/S	5.52
Price/Cash	0.04
Net Margins	5%
Gross Margins	28%
Op. Margins	6%
Earnings CAGR	39%
Sales Growth YoY	52%
Sales Growth QoQ	17%
Sales CAGR	25%
FCF CAGR	41%
Equity CAGR	57%
Earnings Stability	-0.33
Earnings Growth YoY	126%

Earnings Growth QoQ	54%
Earnings CAGR 5Y	39%
Sales CAGR 5Y	25%
FCF CAGR 5Y	41%
Equity CAGR 5Y	57%
Earnings CAGR 3Y	26%
Sales CAGR 3Y	26%
FCF CAGR 3Y	124%
Equity CAGR 3Y	7%
Market Cap	$4.30B
Revenue	$778.67M
Assets	$552.93M
Cash	$190.79M
Shares Outstanding	124.25M
Earnings Score	6%
Moat Score	85%
Working Capital	245.85M
Current Ratio	4.31
Gross Profit	$221.63M
Shares Growth 3y	1%
Equity Growth QoQ	4%
Equity Growth YoY	12%

Assets & ROA

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Stockholders Equity & ROE

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Paymentus Holdings Inc is a provider of cloud-based bill payment technology and solutions. The platform provides billers with easy-to-use, flexible and secure electronic bill payment experiences powered by an omni-channel payment infrastructure that allows consumers to pay bills using their preferred payment type and channel.

SEC Filings

Direct access to Paymentus Holdings, Inc. (PAY) Annual Reports (10K) and Quarterly Reports (10Q) from the SEC website.

2024
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2023
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2022
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31

Sector Comparison

How does Paymentus Holdings, Inc. compare to its competitors?

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Peter Lynch's Chart

This chart shows the current pricing of Paymentus Holdings, Inc. compared to its past. The addition of the earnings trend line provides further insights into the company's earnings power.

CAGR 39%

Stability -33%

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Paymentus Holdings, Inc. Discounted Cash Flow

Fully customizable DCF calculator online for Paymentus Holdings, Inc..

Years

Calculation mode

= $10B

	0	1	2	3	4	5	6	7	8	9	10	TV
fcf	$60M	$84M	$119M	$169M	$238M	$337M	$476M	$673M	$952M	$1.3B	$1.9B	$19B
DCF		$77M	$99M	$127M	$163M	$209M	$269M	$345M	$444M	$571M	$733M	$7.3B
Value	$10B

Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years	12/2019	12/2020	12/2021	12/2022	12/2023	TTM
Net Margins	4%	3%	2%	-0%	4%	5%
ROA	-	15%	2%	-0%	5%	9%
ROE	-	10%	2%	-0%	5%	9%

Bad Net Margins (5.05%)

Net Margins are too low to guarantee profitability in case of higher costs or higher interest rates. Furthermore lower margins cause higher earnings’ volatility.

Safety and Stability

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years	12/2019	12/2020	12/2021	12/2022	12/2023	TTM
Debt over FCF	-	-	-	-	-	-
Debt over Equity	-	-	-	-	-	-
Growth Stability	-	-	-	-6%	100%	-6%

Neutral Debt/FCF ratio (-)

Net Margins are at a level that is not too high nor too low. They are not a competitive advantage but they are not a competitive disadvantage either.

Neutral Debt/Equity ratio (-)

The company has a balance between equity and debt that is not too good nor too bad.

Bad Graham’s Stability (-6%)

The company has a bad stability in its earnings, which is a sign of a bad competitive advantage.

Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years	12/2019	12/2020	12/2021	12/2022	12/2023	CAGR 5Y
Revenue YoY growth	-	28%	31%	26%	24%	25%
Earnings YoY growth	-	-5%	-17%	-107%	-4K%	39%
Equity YoY growth	-	23%	358%	3%	8%	57%
FCF YoY growth	-	113%	-47%	1%	267%	41%