Earnings summaries and quarterly performance for Paymentus Holdings.
Executive leadership at Paymentus Holdings.
Board of directors at Paymentus Holdings.
Research analysts who have asked questions during Paymentus Holdings earnings calls.
DK
David Koning
Robert W. Baird & Co.
4 questions for PAY
Also covers: ACN, AVDX, CNXC +16 more
John Davis
Raymond James Financial
4 questions for PAY
Also covers: CPAY, EVRI, EVTC +7 more
DP
Darrin Peller
Wolfe Research, LLC
3 questions for PAY
Also covers: ACN, ADYYF, AVDX +24 more
Matthew O'Neill
Financial Technology Partners
3 questions for PAY
Also covers: AFRM, EFX, ETOR +7 more
Andrew Bauch
Wells Fargo & Company
2 questions for PAY
Also covers: AFRM, AVDX, FLYW +9 more
TH
Tien-tsin Huang
JPMorgan Chase & Co.
2 questions for PAY
Also covers: ACN, ADP, ALIT +23 more
AB
Andrew Bauchwitz
JPMorgan Chase & Co.
1 question for PAY
AP
Andrew Polkowitz
J.P. Morgan
1 question for PAY
Also covers: ALIT, NSP, TNET
LC
Lemar Clarke
Wells Fargo & Company
1 question for PAY
WN
William Nance
The Goldman Sachs Group, Inc.
1 question for PAY
Also covers: AFRM, AMTD, AVDX +19 more
ZG
Zachary Gunn
Financial Technology Partners
1 question for PAY
Also covers: ADP, AFRM, EEFT +6 more
Recent press releases and 8-K filings for PAY.
Paymentus Discusses Strong Growth, Profitability, and Market Expansion
PAY
Revenue Acceleration/Inflection
Guidance Update
New Projects/Investments
- Paymentus is experiencing 35%+ gross revenue growth and over 40% EBITDA growth this year, driven by its scalable platform and strategy.
- The company has diversified beyond utilities into new verticals like government, insurance, and property management, and sees B2B as a significant new TAM expansion opportunity.
- Paymentus aims for a long-term compound annual growth rate (CAGR) of 20% for top-line revenue and 20%-30% for bottom-line EBITDA, with current EBITDA margins around 35%. The company generates strong free cash flow, exceeding $100 million in the last 12 months with approximately 140% conversion, and prioritizes organic growth and potential M&A.
- Despite its current success, Paymentus holds only about 4%-5% market share in the traditional C2B bill pay market, indicating significant future growth potential.
Dec 9, 2025, 4:20 PM
Paymentus Discusses Growth Drivers, Market Expansion, and Profitability at RayJay Conference
PAY
Revenue Acceleration/Inflection
Guidance Update
New Projects/Investments
- Paymentus (PAY) is on track for 35%+ gross revenue growth and over 40% EBITDA growth this year, attributing its success to a highly scalable platform and strategic market penetration.
- The company has expanded its market reach beyond utilities into new verticals like government, insurance, and B2B, with B2B representing a multifold larger market opportunity ,.
- Financially, Paymentus has improved its EBITDA margins to approximately 35% (from 30% in 2024) and aims for a long-term 20% top-line CAGR and 20%-30% bottom-line CAGR ,.
- The business demonstrates strong operational efficiency, evidenced by faster implementation times for large clients and over $100 million in free cash flow generated in the last 12 months with a 140% conversion rate.
Dec 9, 2025, 4:20 PM
Paymentus Discusses Growth Drivers, Vertical Expansion, and Financial Performance
PAY
Guidance Update
Revenue Acceleration/Inflection
New Projects/Investments
- Paymentus attributes its 35%+ gross revenue growth and over 40% EBITDA growth to its scalable platform and strategy, enabling it to serve diverse customers and verticals.
- The company has successfully diversified beyond utilities into sectors like government, insurance, and property management, and is now expanding into B2B, which represents a significant Total Addressable Market (TAM) expansion opportunity.
- Paymentus maintains a long-term CAGR of 20% for top-line growth and 20%-30% for bottom-line growth, driven by new customer implementations and growth within existing customers.
- The business demonstrates strong operating leverage, with EBITDA margins around 35% and incremental EBITDA margins over 60% in the last quarter, generating over $100 million in free cash flow in the last 12 months.
- Management prioritizes organic growth and maintaining a strong balance sheet, considering M&A if accretive, but share buybacks are not currently on the cards.
Dec 9, 2025, 4:20 PM
Paymentus Discusses Growth Strategy and Financial Performance at Citi FinTech Conference
PAY
Revenue Acceleration/Inflection
New Projects/Investments
Guidance Update
- Paymentus, a billion-dollar company since its 2021 IPO, specializes in bill payments, serving the non-discretionary spend of U.S. households and capitalizing on banks losing market share in this sector.
- The company targets 20% top-line growth and 20-30% adjusted EBITDA growth in dollars, achieving a record incremental EBITDA margin of 61.7% in the last quarter.
- Growth is driven by new customer implementations, expansion with existing clients, and a strategy of serving diverse verticals, with utilities accounting for approximately 50% of revenue.
- Paymentus leverages its proprietary Instant Payment Network and a single-codebase platform to provide a mission-critical service to 2,200 clients in North America, attracting both billers and banks.
Nov 18, 2025, 3:30 PM
Paymentus Discusses Growth Strategy and Financial Performance at Citi FinTech Conference
PAY
Revenue Acceleration/Inflection
New Projects/Investments
Guidance Update
- Paymentus, a billion-dollar company since its 2021 IPO, provides a holistic bill payment platform for non-discretionary household expenses, serving billing companies and banks through its Instant Payment Network.
- The company's growth is fueled by new implementations with larger enterprise customers and expansion within existing clients, with utilities representing approximately 50% of its revenue.
- Paymentus targets 20% top-line growth and 20-30% adjusted EBITDA growth, highlighting strong operating leverage and a record 61.7% incremental EBITDA margin in the most recent quarter.
- Its strategy includes a platform-agnostic approach across diverse verticals and a multifaceted partnership ecosystem (e.g., JP Morgan Chase, PayPal), currently serving 2,200 clients in North America.
- Paymentus emphasizes its mission-critical, irreplaceable platform and ecosystem, built over 20 years, as a key competitive advantage driving its long-term vision for perpetual growth.
Nov 18, 2025, 3:30 PM
Paymentus Discusses Growth, Platform Strategy, and Financial Performance at Citi FinTech Conference
PAY
Guidance Update
Revenue Acceleration/Inflection
New Projects/Investments
- Paymentus, since its 2021 IPO, has grown into a billion-dollar company generating cash, specializing in non-discretionary bill payments across diverse verticals like utilities, government services, and insurance.
- The company maintains a strong financial profile, targeting 20% top-line growth and 20-30% adjusted EBITDA growth in dollars, achieving a record incremental EBITDA margin of 61.7% in the most recent quarter.
- With 2,200 clients in North America, Paymentus' proprietary Instant Payment Network and platform are attracting larger enterprise customers, positioning it as a mission-critical solution for revenue collection.
- Paymentus employs a dual strategy, enabling both biller-direct and bank-based payments, aiming to service a significant portion of the 130 million U.S. households and their multiple monthly bills.
Nov 18, 2025, 3:30 PM
Paymentus Reports Strong Q3 2025 Results and Raises Full Year Guidance
PAY
Earnings
Guidance Update
Revenue Acceleration/Inflection
- Paymentus delivered a strong third quarter 2025, with revenue of $310.7 million, an increase of 34.2% year-over-year, and adjusted EBITDA of $35.9 million, up 45.9% year-over-year, resulting in a record 36.5% adjusted EBITDA margin.
- The company processed 182.3 million transactions, a 17.4% year-over-year increase, with an average price per transaction of $1.70, up 14.1% from the prior year.
- Based on these results, Paymentus raised its full year 2025 guidance, now expecting revenue between $1.173 billion and $1.178 billion (midpoint $1.1755 billion), representing 34.9% annual growth at the midpoint, and adjusted EBITDA between $132 million and $134 million (midpoint $133 million), representing 41.2% annual growth at the midpoint.
- Growth was primarily driven by the successful launch of new billers, increased same-store sales from existing billers, early launch of several large enterprise customers, and higher activity on its Instant Payment Network.
- Paymentus ended Q3 2025 with $291.5 million in total cash and demonstrated strong free cash flow generation, exceeding 100% conversion over the last four quarters.
Nov 3, 2025, 10:00 PM
Paymentus Announces Strong Q3 2025 Results and Raises Full-Year Guidance
PAY
Earnings
Guidance Update
Revenue Acceleration/Inflection
- Paymentus reported Q3 2025 revenue of $310.7 million, representing a 34.2% year-over-year growth.
- Adjusted EBITDA for Q3 2025 increased by 45.9% year-over-year to $35.9 million, and the company generated $25.7 million in free cash flow.
- The company raised its full-year 2025 revenue guidance to $1,173 - $1,178 million and its Adjusted EBITDA guidance to $132 - $134 million.
- Paymentus highlighted a strong exit backlog with solid bookings and continued momentum in demand across several verticals, while maintaining a strong balance sheet with no debt.
Nov 3, 2025, 10:00 PM
Paymentus Holdings, Inc. Reports Q3 2025 Financial Results and Provides 2025 Guidance
PAY
Earnings
Guidance Update
Revenue Acceleration/Inflection
- Paymentus Holdings, Inc. reported record revenue of $310.7 million for the third quarter of 2025, an increase of 34.2% year-over-year.
- Adjusted EBITDA for Q3 2025 rose 45.9% year-over-year to $35.9 million, achieving a 36.5% adjusted EBITDA margin.
- Diluted GAAP earnings per share was $0.14 and diluted non-GAAP earnings per share was $0.17 for the quarter ended September 30, 2025.
- The company processed 182.3 million transactions during the third quarter of 2025, an increase of 17.4% from the prior year.
- For fiscal-year 2025, Paymentus projects revenue between $1,173 million and $1,178 million and Adjusted EBITDA between $132 million and $134 million.
Nov 3, 2025, 9:14 PM
Paymentus Holdings Reports Strong Third Quarter 2025 Financial Results and Provides Guidance
PAY
Earnings
Guidance Update
Revenue Acceleration/Inflection
- Paymentus Holdings reported record revenue of $310.7 million for the third quarter of 2025, marking a 34.2% year-over-year increase.
- Adjusted EBITDA rose 45.9% year-over-year to $35.9 million, achieving a record 36.5% adjusted EBITDA margin.
- Diluted GAAP earnings per share for Q3 2025 was $0.14, and diluted non-GAAP earnings per share was $0.17.
- The company processed 182.3 million transactions, an increase of 17.4% from the third quarter of 2024.
- For the fourth quarter of 2025, Paymentus projects revenue between $307 million and $312 million and Adjusted EBITDA between $34 million and $36 million.
Nov 3, 2025, 9:05 PM
Quarterly earnings call transcripts for Paymentus Holdings.
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