Paymentus Holdings (PAY)
NYSE:PAY
Want to see PAY full AI Analyst Report?
Earnings Data
Report Date
Aug 10, 2026After Close (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
0.19Last Year’s EPS
0.15Same Quarter Last Year
Strong Buy
Based on 4 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call presented strong, broad-based operational and financial outperformance: record revenue, accelerating transaction growth, materially higher adjusted EBITDA, improved per-transaction economics, raised full-year guidance, a healthy balance sheet with no debt, and the launch of a potentially transformative, patented AI-native product (Billio/Bill Wallet) with early organic traction. Near-term challenges include contribution margin compression from mix shifts, higher operating expenses as the company invests in growth, temporary free cash flow pressure due to working-capital timing, modest Q2 conservatism tied to seasonality and onboarding timelines, and ongoing interchange expense exposure that management aims to monetize over time. Overall, the positives substantially outweigh the manageable near-term headwinds.Company Guidance
Record Revenue and Strong Top-Line Growth
Q1 revenue of $358.4M, up 30.2% year-over-year, a company record and above prior expectations.
Robust Profitability Expansion
Contribution profit of $109.7M, up 25.2% YoY, and adjusted EBITDA of $42.4M, up 41.5% YoY with an adjusted EBITDA margin of 38.7% (record).
Healthy Transaction Growth and Mix Improvement
Processed 203.4M transactions, up 17.4% YoY; average revenue per transaction rose ~11% to $1.76 (from $1.59), and contribution profit per transaction improved to $0.54 from $0.51.
Strong Rule of 40 and Efficiency Metrics
Rule of 40 was 64 for the quarter (vs. 61 in Q4), reflecting solid balance of growth and profitability; incremental adjusted EBITDA margin ~56%.
Raised Full-Year 2026 Guidance
Full-year revenue guidance raised to $1.425B–$1.440B (midpoint ≈ 19.7% YoY growth); contribution profit guidance $450M–$457M; adjusted EBITDA guidance $165M–$172M (midpoint ≈ 22.6% YoY growth).
Strong Cash Position and No Debt
Cash & cash equivalents at $342.1M (up from $324.5M sequentially), free cash flow of $20.9M in Q1, and zero debt, supporting financial flexibility and M&A optionality.
Broadening Customer Base and Pipeline
Signed new clients and channel partners across utilities, insurance, telecommunications, government, property management, consumer finance, banking, education, and health care; sizable backlog and robust pipeline supporting future visibility.
Strategic AI-Native Product Launch with Early Traction
Launched patented AI-native service commerce suite (Billio and Bill Wallet). Early rollout to ~100k users across >1,000 cities with high conversion and no marketing spend; Bill Wallet claimed to reduce payment time by ~75% and creates potential to monetize interchange over time.
PAY Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
PAY Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Feb 23, 2026 | $24.40 | $24.67 | +1.11% |
Nov 03, 2025 | $28.61 | $36.10 | +26.18% |
Aug 04, 2025 | $29.33 | $32.85 | +12.00% |
May 05, 2025 | $34.13 | $35.08 | +2.78% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Paymentus Holdings (PAY) report earnings?
Paymentus Holdings (PAY) is schdueled to report earning on Aug 10, 2026, After Close (Confirmed).
What is Paymentus Holdings (PAY) earnings time?
Paymentus Holdings (PAY) earnings time is at Aug 10, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is PAY EPS forecast?
PAY EPS forecast for the fiscal quarter 2026 (Q2) is 0.19.
