PAY - NYSE

Paymentus Holdings, Inc.

PAY·NYSE

$21.11

-13%

TechnologyInformation Technology Services

Paymentus Holdings, Inc. provides cloud-based bill payment technology and solutions. 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 technology platform. The company serves utility, financial service, insurance, government, telecommunication, and healthcare industries. The company was founded in 2004 and is based in Redmond, Washington.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$2.65B

EPS0.5300

P/E Ratio39.83

Earnings Date08/03/2026

162.13M

Operating Cash Flow

155%

3Y+716.0%

5Y+355.0%

10Y-35.0%

-36.52M

Investing Cash Flow

-1%

3Y+6.0%

5Y+141.0%

10Y-72.0%

-10.58M

Financing Cash Flow

5010%

3Y-72.0%

5Y+679.0%

10Y-92.0%

Paymentus Holdings, Inc. Cash Conversion Engine

PAY · NYSE

FCF Components

Net Income66.94M

Depreciation & Amortization41.06M

Stock-Based Compensation0.00

Change in Working Capital28.46M

Others25.63M

Capital Expenditures-361.00K

Free Cash Flow161.77M

Cash Flow Quality Analysis

FCF Conversion Rate

241.7%

Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.

CapEx Intensity

0.2%

Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.

FCF Growth Trend

+156.1%

Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.

Working Capital Impact

+$28.46M

Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.

Cash Flow Quality Insight

Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.

Paymentus Holdings, Inc. Cash Flow Statement

PAY • NYSE

Paymentus Holdings, Inc. Cash Flow Statement	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Oct 2017	Oct 2016	Oct 2015	Oct 2014	Oct 2013	Oct 2012	Oct 2011	Oct 2010	Oct 2009	Oct 2008	Oct 2007	Oct 2006	Oct 2005
OPERATING ACTIVITIES
Net Income	66.9M	44.2M	22.3M	-513K	9.3M	13.7M	13.7M	-173.9M	-9.3M	79.1M	-38.1M	-296.1M	65M	282.4M	98.8M	-137.8M	-425.3M	-34M	59.5M	33.2M
Depreciation & Amortization	41.1M	36.5M	30.6M	24.1M	13.3M	8.1M	6M	140.7M	179.2M	169.4M	213.6M	207.8M	177.8M	48.3M	46.6M	61.5M	73.3M	70.8M	16.4M	18M
Change in Deferred Taxes	50K	-1.3M	413K	-3M	-660K	1.6M	1.3M	800K	-14M	-31.6M	-38M	142.9M	-22M	-227M	-15.4M	1.7M	58.4M	9.2M	-5.7M	-9.9M
Stock-Based Compensation	0.0	11M	9.4M	6.7M	3.1M	2M	1.6M	40M	42.3M	42.3M	53.9M	48.9M	44.6M	34.1M	21.1M	22.9M	0.0	0.0	0.0	0.0
Other Non-Cash Items	25.6M	9.3M	5.7M	4.7M	3.3M	2.9M	0.0	200.5M	17.9M	42.3M	-48.2M	460.8M	-155.3M	80.9M	-119.2M	173.5M	285.5M	-86.9M	-107.6M	-87.9M
Cash Taxes Paid	(0.0)	(14.4M)	(1.4M)	(672K)	(2.5M)	(2.9M)	(4.7M)	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)
Change in Working Capital	28.5M	-36M	429K	-12.1M	-8.9M	7.3M	-5.1M	-42.2M	-22.4M	-52.2M	55.9M	-327.8M	107.9M	-44.1M	124.2M	80.8M	-499K	130.2M	54.1M	87M
Cash from Operating Activities	162.1M	63.6M	68.8M	19.9M	19.5M	35.6M	17.5M	165.9M	193.7M	249.3M	199.1M	236.5M	218M	174.6M	156M	202.6M	-8.6M	89.3M	16.7M	40.6M
INVESTING ACTIVITIES
Investments in Property, Plant, and Equipment	-361K	-457K	-600K	-1.3M	-979K	-458K	-1M	-67.3M	-105.3M	-106.4M	-85M	-77.5M	-63.2M	-14.8M	-11.6M	-12.1M	-22.1M	-30.7M	-5.7M	-3.1M
Acquisitions, Net	(0.0)	(0.0)	(0.0)	-3.3M	-57.4M	-290K	-1.4M	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)
Purchase of Investments	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)	-5M	-2.7M	(0.0)	-5.7M	-125M	-24M
Sale/Maturity of Investments	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	141.9M	7.2M
Other Investing Items	-36.2M	-36.3M	-33.7M	-30M	-19.4M	-14.4M	-11.5M	-5.4M	-169.9M	-22M	7.1M	-67.2M	-1.1B	-48.4M	-8.5M	-1.2M	-15.8M	-275.3M	-15.2M	-15.1M
Cash from Investing Activities	-36.5M	-36.8M	-34.3M	-34.6M	-77.8M	-15.1M	-13.9M	-72.7M	-275.2M	-128.4M	-77.9M	-144.7M	-1.1B	-63.2M	-25.1M	-16M	-37.8M	-311.7M	-4M	-35M
FINANCING ACTIVITIES
Net Issuance of Common Stock	162K	338K	0.0	0.0	274.6M	0.0	59K	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Net Issuance of Debt	0.0	0.0	-102K	-268K	541K	-323K	-282K	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Cash Paid for Dividends	(0.0)	(0.0)	(0.0)	(0.0)	-34.4M	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)
Share Repurchases	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)	-79.9M	-70.1M	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)	(0.0)
Other Financing Items	-10.7M	-545K	-1.1M	-37M	-4.2M	-1M	-675K	-112.4M	24.4M	-133.6M	-128.1M	-277.5M	768.1M	38.7M	-10.4M	-24.6M	-2.2M	349.9M	7.8M	46.9M
Cash from Financing Activities	-10.6M	-207K	-1.2M	-37.3M	213.5M	-1.4M	-857K	-112.4M	24.4M	-133.6M	-128.1M	-277.5M	768.1M	38.7M	-10.4M	-24.6M	-2.2M	349.9M	7.8M	46.9M
CASH FLOW SUMMARY
Effect of Foreign Exchange Rates	95K	-450K	176K	-168K	-8K	114K	36K	3.7M	-3.4M	-28.6M	-11.1M	-200K	-8.6M	-653K	-404K	5.8M	-9.2M	943K	943K	-114K
Net Change in Cash	115.1M	26.2M	33.5M	-52.1M	155.2M	19.2M	2.8M	-15.5M	-60.5M	-41.3M	-18M	-185.9M	-140.5M	149.4M	120.1M	167.8M	-57.8M	128.4M	21.5M	52.4M
Cash at Beginning of Period	209.4M	183.2M	149.7M	201.8M	46.7M	27.4M	24.6M	159.2M	208.9M	250.2M	268.2M	454.1M	594.6M	445.1M	325M	157.2M	215M	86.6M	65.1M	12.7M
Cash at End of Period	324.5M	209.4M	183.2M	149.7M	201.8M	46.7M	27.4M	143.7M	148.4M	208.9M	250.2M	268.2M	454.1M	594.6M	445.1M	325M	157.2M	215M	86.6M	65.1M
Free Cash Flow	161.8M	63.2M	34.5M	-11.4M	-916K	20.8M	5M	98.6M	88.4M	142.9M	114.1M	159M	154.8M	159.8M	144.4M	190.6M	-30.7M	58.5M	11.1M	37.5M

SEC Filings

PAY - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
10-Q 10-Q 2026 Q1 Q1	May 05, 2026	March 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	May 04, 2026	May 04, 2026	2026	View Filing
DEF 14A DEF 14A 2026 N/A	April 22, 2026	June 05, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 08, 2026	April 07, 2026	2026	View Filing
8-K 8-K 2026 N/A	March 26, 2026	March 23, 2026	2026	View Filing
8-K 8-K 2026 N/A	March 13, 2026	March 09, 2026	2026	View Filing
10-K 10-K 2025 FY FY	February 24, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	February 23, 2026	February 23, 2026	2026	View Filing
10-Q 10-Q 2025 Q3 Q3	November 04, 2025	September 30, 2025	2025	View Filing
8-K 8-K 2025 N/A	November 03, 2025	November 03, 2025	2025	View Filing

Showing 1 to 10 of 70 filings

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