10x Insights
Loading account…
Companies / Industrials / Paymentus Holdings, Inc.
PAY

Paymentus Holdings, Inc.

IndustrialsBusiness Services
Ticker PAYADDISON, TXFiscal year ends DecemberBook value per share $4.75Diluted shares 129.0M

Paymentus Holdings, Inc. (NASDAQ: PMU) operates as a leading provider of cloud-based bill payment technology and solutions serving billers, financial institutions, and consumers globally. The company's modern technology platform powers electronic bill presentment and payment across multiple industry verticals… From the company’s description.

Fiscal year 2025 · ends 12-31Changes are against fiscal 2024The amber dot is the latest twelve months, to 2026-06-30
Sales & profitability
$1.20B
+37.3% year over year
Last 12 mo $1.36B
6.31%
+1.2 percentage points
Last 12 mo 7.58%
$66.94M
+51.5% year over year
Last 12 mo $84.86M
11.94%
+2.8 percentage points
Last 12 mo 13.83%
Cash & financing
$162.13M
+154.8% year over year
Last 12 mo $159.52M
$125.03M
+362.1% year over year
Last 12 mo $121.39M
—
129.1M
+1.1% year over year
Last 12 mo 129.0M

Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.

What Paymentus Holdings, Inc. does

In the company’s own words

Paymentus Holdings, Inc. (NASDAQ: PMU) operates as a leading provider of cloud-based bill payment technology and solutions serving billers, financial institutions, and consumers globally. The company's modern technology platform powers electronic bill presentment and payment across multiple industry verticals including utilities, financial services, insurance, government, telecommunications, real estate management, education, consumer finance, healthcare, and business-to-business sectors.

The platform processed approximately 724 million payments in 2025, with an average of 2.0 million payments made daily. As of December 2025, approximately 53 million consumers and businesses used the company's platform to pay bills and make money movements. The company serves billers of all sizes through its scalable, cloud-native SaaS infrastructure built on a single code base, enabling rapid deployment of new features across its entire client base without requiring development or implementation fees from billers.

Paymentus differentiates itself through its omni-channel payment infrastructure supporting traditional and emerging payment methods including ACH, debit card, credit card, digital wallets, and alternative payment rails such as PayPal and Venmo. The platform offers multiple integration options through APIs, iFrames, and fully hosted solutions, providing flexibility for clients with varying technical capabilities. The company's Instant Payment Network (IPN) extends platform reach through partnerships with leading consumer technology providers, retailers, and financial institutions including PayPal, major ecommerce retailers, Walmart, and Green Dot.

The company employs a diversified go-to-market strategy combining direct sales, software partnerships, strategic partnerships, and resellers. Notable partners include JPMorgan Chase, U.S. Bank, Oracle, and major payroll solutions providers. The platform incorporates artificial intelligence and machine learning algorithms to enhance operational efficiency, fraud management, and data-driven analysis.

Paymentus generates revenue primarily through transaction fees based on payment volume processed through its platform. The company's business model benefits from network effects as adding more billers and financial institutions extends platform reach to additional consumers, driving increased transaction volume and strengthening customer retention. The company's website is www.paymentus.com.

Company details
Sector
Industrials
Industry
Business Services
Headquarters
ADDISON, TX
Fiscal year end
December
CIK
1841156
SIC
7389

Financial performance, year by year

Fiscal 2021–2025 · USD
$-136.60M$271.66M$679.93M$1.09B$1.50B20212022202320242025Last 12 moLast 12 monthsLast 12 months

The full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.

Ownership

Who owns Paymentus Holdings, Inc. — and what changed

Funds as of 2026Q2 · superinvestors as of 2026-06-30

175
funds hold it
0 of 35
superinvestors hold it
$754.25M
held by funds, at market
48.7%
of shares held by funds

Largest fund holders · Paymentus Holdings, Inc.’s weight in each

0.28%of fund net assets
VANGUARD TOTAL STOCK MARKET INDEX FUND
VTI · VANGUARD INDEX FUNDS
0.00%of fund net assets
iShares Russell 2000 ETF
IWM · iShares Trust
0.05%of fund net assets
Wasatch Core Growth Fund
WGROX · WASATCH FUNDS TRUST
1.10%of fund net assets
Franklin Small Cap Growth Fund
FSGRX · Franklin Strategic Series
1.30%of fund net assets

Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.

Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.

Could not be determined for this company: bond issues.

Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.

Connected research

Put this business in context.

Compare this company with peers, find it in your funds and follow its financial history with your connected AI:

  • “How do Paymentus Holdings, Inc. and its peers compare on margins and cash generation over ten years?”
  • “Where did five years of Paymentus Holdings, Inc.'s earnings go — cash, debt, buybacks, reinvestment?”
  • “What changed in Paymentus Holdings, Inc.'s last four quarterly filings that the numbers alone won't show?”
See how it works →All research tools with a subscription. Use your own AI account.