Touchstone
Last syncOct 31, 2026, 6:54 PM ET

PAY

Paymentus Holdings, Inc. Industrials Services-Business Services, NEC Russell 3000
$32.82Close $20.21 – $44.6052-week range Nov 2, 2026Next report · after the close

Highlights

Strengths

  • Earnings growing EPS +74% year on year, faster than the quarter before (+23 pts)

Cautions

  • Not in an uptrend 5 of 8 trend conditions
  • Far from its high 26% below its 52-week high
  • Results soon Nov 2, 2026, in 1 day

Price

Filing Results Screen pick 52-week high and low Adjusted prices

Key figures

FY to Dec 31, 2025 · filed Aug 4, 2026
Off 12-month high 26%
1wk down 1.6% price change
1mo up 7.1% price change
12-month return up 15% market up 11% · its own up 1%
F-score — — Not assessed
Altman Z″ 10.39 Low risk
P/E — price / earnings
PEG — P/E / EPS growth
P/B — price / book
Earnings yield — EBIT / enterprise value
Cheaper than — of the market · not assessed
Revenue growth up 37% year on year
EPS growth up 74% latest quarter · +23 pts
Sales growth up 29% latest quarter · -1 pts
ROE up 13% return on equity
Free cash margin up 14% $161.8M FCF
D/E — long-term debt / equity
Net debt / EBITDA -2.8× net cash
Interest cover —EBIT / interest

Trade setup

ATR% 3.8% $1.25 a day · 2×ATR $30.32
RS 60 / 99 vs the universe
Trend 5 / 8 under the 50-day, over 25% off the high, RS under 70
Relative volume 0.8× vs 50-day average
Up/down volume 1.06 50 sessions
Implied move — no option chain · report Nov 2, 2026
Trend template · 5 of 8
  • Price above the 150 and 200-day averages: passes
  • 150-day average above the 200-day: passes
  • 200-day average rising for a month: passes
  • 50-day average above the 150 and 200-day: passes
  • Price above the 50-day average: fails
  • At least 30% above the 52-week low: passes
  • Within 25% of the 52-week high: fails
  • RS rank 70 or higher: fails

Screen verdict

Did not qualify for any screen.

Warning signs

1 flagged
  • Gross margin narrowing Gross margin fell from 27.3% to 24.8%. The company is keeping less of each dollar of sales than it did a year ago.
Last reported May 4, 2026
Last shock Aug 27, 2026-10% in one session1.9× volumeno filing matched-8% since

Financials

6 fiscal years · from filings
Revenue What customers paid the company over its fiscal year, before any cost, as filed in its annual report. The change is against the year before. Methodology $1.2B +37% on FY2024
$0 $2B FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · $301.8M FY2021 · $395.5M FY2022 · $497.0M FY2023 · $614.5M FY2024 · $871.7M FY2025 · $1.2B
Net income Profit left after every cost, interest and tax for the year. A column below the line is a loss. Methodology $66.9M +51% on FY2024
$0 $100M FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · $13.7M FY2021 · $9.3M FY2022 · -$513,000 FY2023 · $22.3M FY2024 · $44.2M FY2025 · $66.9M
Free cash flow Cash from running the business less what it spent on equipment and buildings: the cash a year actually left behind, which profit alone does not show. Not shown for banks and insurers, whose cash moves with their loans. Methodology $161.8M +156% on FY2024
$0 $200M FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · $35.2M FY2021 · $18.5M FY2022 · $18.6M FY2023 · $68.2M FY2024 · $63.2M FY2025 · $161.8M
Margins Each as a share of revenue. Gross: left after the direct cost of what was sold. Net: left after every cost. Free cash: free cash flow over revenue. A margin rising over years means the business keeps more of each dollar it sells. Methodology
  • Gross 25%
  • Net 6%
  • Free cash 14%
0% 50% FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · Gross 31% · Net 5% · Free cash 12% FY2021 · Gross 31% · Net 2% · Free cash 5% FY2022 · Gross 30% · Net -0% · Free cash 4% FY2023 · Gross 30% · Net 4% · Free cash 11% FY2024 · Gross 27% · Net 5% · Free cash 7% FY2025 · Gross 25% · Net 6% · Free cash 14%
Cash and long-term debt Cash on the balance sheet at the year's end beside debt due after a year. Net cash is cash less that debt; net debt is the shortfall. Debt some filers do not tag shows as a gap, not as zero. Methodology
  • Cash
  • Long-term debt
$0 $500M FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · Cash $46.7M FY2021 · Cash $168.4M FY2022 · Cash $147.3M FY2023 · Cash $179.4M FY2024 · Cash $205.9M FY2025 · Cash $320.9M
Shares outstanding Shares in issue at the year's end. A rising count means each share owns a smaller slice of the company (stock pay, share sales); a falling one, buybacks. The chart's scale is fitted to the count, so a small change looks large: read the percentage. Methodology
103.48m 0 FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · 103.48m FY2021 · 0 FY2022 FY2023 FY2024 FY2025
  FY2020Dec 31, 2020 FY2021Dec 31, 2021 FY2022Dec 31, 2022 FY2023Dec 31, 2023 FY2024Dec 31, 2024 FY2025Dec 31, 2025
Revenue $301.8M $395.5M $497.0M $614.5M $871.7M $1.2B
Gross margin 31% 31% 30% 30% 27% 25%
Operating income $18.4M $10.4M -$3.0M $18.1M $44.9M $75.5M
Net income $13.7M $9.3M -$513,000 $22.3M $44.2M $66.9M
Net margin 5% 2% -0% 4% 5% 6%
Earnings per share $0.13 $0.08 -$0.00 $0.18 $0.35 $0.52
Free cash flow $35.2M $18.5M $18.6M $68.2M $63.2M $161.8M
Free cash margin 12% 5% 4% 11% 7% 14%
Cash $46.7M $168.4M $147.3M $179.4M $205.9M $320.9M
Shareholders' equity $84.4M $386.1M $397.2M $429.6M $485.6M $560.4M
Shares outstanding 103.48m 0 — — — —

Filings

SEC EDGAR
FiledReportPeriod to Lag
Aug 4, 2026 Quarterly ↗ Jun 30, 2026 35d
May 5, 2026 Quarterly ↗ Mar 31, 2026 35d
Feb 24, 2026 Annual ↗ Dec 31, 2025 55d
Nov 4, 2025 Quarterly ↗ Sep 30, 2025 35d
Aug 5, 2025 Quarterly ↗ Jun 30, 2025 36d
May 7, 2025 Quarterly ↗ Mar 31, 2025 37d
Mar 11, 2025 Annual ↗ Dec 31, 2024 70d
Nov 12, 2024 Quarterly ↗ Sep 30, 2024 43d
Aug 9, 2024 Quarterly ↗ Jun 30, 2024 40d
May 7, 2024 Quarterly ↗ Mar 31, 2024 37d
Mar 5, 2024 Annual ↗ Dec 31, 2023 65d
Nov 7, 2023 Quarterly ↗ Sep 30, 2023 38d

Current reports

FiledDisclosed
Aug 3, 2026 Acquisition or disposal ↗
Jul 23, 2026 Director or officer change ↗
Jun 8, 2026 Shareholder vote ↗
May 4, 2026 Results ↗
Apr 8, 2026 Director or officer change ↗
Mar 26, 2026 Director or officer change ↗
Mar 13, 2026 Director or officer change ↗
Feb 23, 2026 Results ↗
Nov 3, 2025 Results ↗
Aug 4, 2025 Results ↗
Jul 2, 2025 Director or officer change ↗
Jun 6, 2025 Shareholder vote ↗