Paymentus Holdings, Inc.

PAY

PAYPaymentus Holdings, Inc. US flag

New York Stock Exchange

21.12

USD

+0.43

- -

2.65BMarket Cap

Income Statement (USD)

MCP API Chat

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Sales/Revenue/Turnover	236	302	396	497	614	872	1,197
+ Sales & Services Revenue	236	302	396	497	614	872	1,197
- Cost of Revenue	161	209	274	347	432	634	900
+ Cost of Goods & Services	161	209	274	347	432	634	900
Gross Profit	74	93	121	150	182	238	296
+ Other Operating Income	- -	- -	- -	- -	- -	- -	- -
- Operating Expenses	56	74	111	153	164	193	221
+ Selling, General & Admin	38	50	77	111	120	142	159
+ Research & Development	18	25	34	41	44	51	61
+ Other Operating Expense	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	18	18	10	-3	18	45	76
- Non-Operating (Income) Loss	- -	- -	- -	-2	-7	-9	-10
+ Interest Expense, Net	- -	- -	- -	-2	-7	-9	-10
+ Interest Expense	- -	- -	- -	- -	- -	- -	- -
- Interest Income	- -	- -	- -	2	7	9	10
+ Other Non-Op (Income) Loss	- -	- -	- -	- -	- -	- -	- -
Pretax Income	18	18	10	-1	25	54	85
- Income Tax Expense (Benefit)	5	5	1	-1	3	10	18
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	14	14	9	-1	22	44	67
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	14	14	9	-1	22	44	67
- Minority Interest	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	14	14	9	-1	22	44	67
- Preferred Dividends	5	5	2	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	9	9	7	-1	22	44	67
EBIT	18	18	10	-3	18	45	76
EBITDA	24	26	24	21	49	81	117
EBITDA Margin (%)	10.34	8.78	5.98	4.24	7.92	9.33	9.74
EBITA	18	18	10	-3	18	45	76
Gross Margin (%)	31.57	30.69	30.69	30.12	29.67	27.32	24.77
Operating Margin (%)	7.79	6.11	2.62	-0.6	2.94	5.15	6.31
Profit Margin (%)	5.81	4.54	2.35	-0.1	3.63	5.07	5.59
Sales per Employee	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	- -	- -	0.31	- -	- -	- -	- -
Depreciation Expense	6	8	13	24	31	36	41
Basic Weighted Avg Shares	116	116	113	122	124	124	125
Basic EPS, GAAP	0.08	0.07	0.06	- -	0.18	0.36	0.53
Basic EPS from Cont Ops	0.12	0.12	0.08	- -	0.18	0.36	0.53
Diluted Weighted Avg Shares	116	116	119	122	125	128	129
Diluted EPS, GAAP	0.08	0.07	0.06	- -	0.18	0.35	0.52
Diluted EPS from Cont Ops	0.12	0.12	0.08	- -	0.18	0.35	0.52

Balance Sheet (USD)

MCP API Chat

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Current Assets	51	80	256	229	270	346	441
+ Cash, Cash Equivalents & STI	27	47	168	147	179	206	321
+ Cash & Cash Equivalents	27	47	168	147	179	206	321
+ ST Investments	- -	- -	- -	- -	- -	- -	- -
+ Accounts & Notes Receiv	21	30	46	69	77	123	104
+ Accounts Receivable, Net	19	28	44	68	76	120	102
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	2	2	2	1	- -	3	1
+ Inventories	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	3	3	42	12	14	17	17
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	29	45	217	233	235	231	227
+ Property, Plant & Equip, Net	1	10	10	11	12	9	7
+ Property, Plant & Equip	4	14	15	17	18	16	15
- Accumulated Depreciation	3	4	5	6	7	7	8
+ LT Investments & Receivables	- -	- -	- -	- -	- -	- -	- -
+ LT Investments	- -	- -	- -	- -	- -	- -	- -
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	27	35	207	221	223	222	219
+ Total Intangible Assets	27	34	202	214	218	218	215
+ Goodwill	13	13	129	132	132	132	132
+ Other Intangible Assets	14	21	73	82	86	86	83
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	- -	- -	4	7	5	3	5
Total Assets	80	125	473	462	505	576	668
+ Payables & Accruals	9	26	35	44	57	75	93
+ Accounts Payable	2	17	25	29	35	50	64
+ Accrued Taxes	- -	- -	- -	1	- -	- -	1
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	7	9	10	14	21	25	28
+ ST Debt	1	4	4	3	2	2	2
+ ST Borrowings	- -	- -	- -	- -	- -	- -	- -
+ ST Finance Leases	1	4	4	3	2	2	2
+ Other ST Liabilities	- -	1	36	4	4	5	3
+ Deferred Revenue	- -	1	2	4	4	3	3
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	- -	- -	33	- -	- -	2	- -
Total Current Liabilities	10	31	74	51	63	82	99
+ LT Debt	- -	6	7	9	9	6	5
+ LT Borrowings	- -	- -	- -	- -	- -	- -	- -
+ LT Finance Leases	- -	6	7	9	9	6	5
+ Other LT Liabilities	2	3	5	4	4	3	4
+ Accrued Liabilities	2	3	5	4	4	3	3
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	- -	- -	- -	- -	- -	- -	1
Total Noncurrent Liabilities	2	9	12	13	12	9	9
Total Liabilities	12	40	87	64	75	91	107
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -
+ Share Capital & APIC	28	30	356	368	378	390	398
+ Common Stock	1	1	- -	- -	- -	- -	- -
+ Additional Paid in Capital	27	29	356	368	378	390	398
- Treasury Stock	1	1	- -	- -	- -	- -	- -
+ Retained Earnings	41	55	30	29	52	96	163
+ Other Equity	- -	- -	- -	- -	- -	- -	- -
Equity Before Minority Interest	69	84	386	397	430	486	560
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -
Total Equity	69	84	386	397	430	486	560
Total Liabilities & Equity	80	125	473	462	505	576	668
Shares Outstanding	116	116	121	123	124	125	126
Number of Employees	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	1	10	11	13	11	8	7
Net Debt	-27	-47	-168	-147	-179	-206	-321
Net Debt to Equity	-39.98	-55.31	-43.61	-37.1	-41.75	-42.4	-57.27
Tangible Common Equity Ratio	77.76	55.21	67.91	74.01	73.79	74.68	76.28
Current Ratio	5.18	2.57	3.45	4.45	4.31	4.24	4.46
Cash Conversion Cycle	- -	12.14	5.53	12.66	15.62	16.58	10.8

Cash Flow Statement (USD)

MCP API Chat

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

+ Net Income	14	14	9	-1	22	44	67
+ Depreciation & Amortization	6	8	13	24	31	36	41
+ Non-Cash Items	3	7	6	8	15	16	26
+ Stock-Based Compensation	2	2	3	7	9	11	19
+ Deferred Income Taxes	1	2	-1	-3	- -	-1	- -
+ Asset Impairment Charge	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Cash Adj	- -	3	3	5	5	6	7
+ Chg in Non-Cash Work Cap	-5	7	-9	-12	1	-33	28
+ (Inc) Dec in Accts Receiv	-6	-8	-16	-23	-8	-47	21
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	1	1	1	-1	-3	-6
+ Inc (Dec) in Accts Payable	2	17	7	8	12	21	16
+ Inc (Dec) in Other	- -	-2	-2	1	-2	-3	-1
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	18	36	19	20	69	64	162
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -
+ Disp of Fixed Prod Assets	- -	- -	- -	- -	- -	- -	- -
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	-2	- -	-1	-2	-1	- -	- -
+ Acq of Fixed Prod Assets	-1	- -	-1	-1	-1	- -	- -
+ Acq of Intangible Assets	-1	- -	- -	- -	- -	- -	- -
+ Cash (Repurchase) of Equity	- -	- -	275	- -	- -	- -	- -
+ Increase in Capital Stock	- -	- -	275	- -	- -	- -	- -
+ Decrease in Capital Stock	- -	- -	- -	- -	- -	- -	- -
+ Net Change in LT Investment	- -	- -	- -	- -	- -	- -	1
+ Dec in LT Investment	- -	- -	- -	- -	- -	4	3
+ Inc in LT Investment	- -	- -	- -	- -	- -	-4	-3
+ Net Cash From Acq & Div	-1	- -	-57	-3	- -	- -	- -
+ Cash from Divestitures	- -	- -	- -	- -	- -	- -	- -
+ Cash for Acq of Subs	-1	- -	-57	-3	- -	- -	- -
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	-10	-14	-19	-30	-34	-36	-37
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	-14	-15	-78	-35	-34	-37	-37
+ Dividends Paid	- -	- -	-34	- -	- -	- -	- -
+ Net Cash From Debt	- -	- -	1	- -	- -	- -	- -
+ Cash From Debt	- -	- -	1	- -	- -	- -	- -
+ Repayments of Debt	- -	- -	- -	- -	- -	- -	- -
+ Other Financing Activities	-1	-1	-27	-37	-1	- -	-11
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	-1	-1	213	-37	-1	- -	-11
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -	- -	- -
Net Changes in Cash	3	19	155	-52	33	27	115
EBITDA	24	26	24	21	49	81	117
EBITDA Margin (%)	10.34	8.78	5.98	4.24	7.92	9.33	9.74
Free Cash Flow	15	35	18	18	68	63	162
Net Cash Paid for Acquisitions	1	- -	57	3	- -	- -	- -
Free Cash Flow to Firm	15	35	18	- -	68	63	162
Free Cash Flow to Equity	- -	30	17	18	68	63	162
Free Cash Flow per Basic Share	0.13	0.3	0.16	0.15	0.55	0.51	1.29
Price/Free Cash Flow	- -	- -	201.75	45.69	32.19	65.1	25.1
Cash Flow to Net Income	1.28	2.6	2.1	-38.73	3.08	1.44	2.42
Capital Expenditures	-2	- -	-1	-2	-1	- -	- -