The earnings call presented a largely positive outlook with strong revenue growth, significant bookings, and raised guidance for the year, despite some concerns about seasonal revenue fluctuations and contribution margin decline.

Company Guidance -

Q3 2025

During the second quarter of 2025, Paymentus reported revenue of $280.1 million, reflecting a 41.9% increase from the previous year, driven by a rise in the number of billers and transaction volume. The company's contribution profit rose by 22.3% year-over-year to $93.5 million, while adjusted EBITDA grew 40.7% to $31.7 million, achieving a 33.9% margin. Paymentus processed 175.8 million transactions, marking a 25.2% year-over-year increase, with an average price per transaction rising from $1.41 to $1.59. The company ended the quarter with a strong backlog and significant enterprise customer wins across several verticals, including utilities and government agencies. Paymentus raised its full-year 2025 guidance, projecting revenue between $1.123 billion and $1.132 billion, contribution profit between $369 million and $373 million, and adjusted EBITDA ranging from $123 million to $127 million.

Strong Revenue Growth

Revenue reached $280.1 million, an increase of 41.9% year-over-year, driven by increased transactions and a higher number of billers.

Increase in Adjusted EBITDA

Adjusted EBITDA was $31.7 million, up 40.7% year-over-year, with an adjusted EBITDA margin of 33.9%.

Successful Large Enterprise Bookings

Particular strength in large enterprise segment bookings across multiple verticals, contributing to a significant backlog and strong visibility for 2025 and 2026.

Positive Full-Year Guidance

Raised full-year 2025 guidance for revenue to $1.123 billion to $1.132 billion, with adjusted EBITDA expected to range from $123 million to $127 million.

Strong Cash Position

Ended the quarter with $270 million in cash and cash equivalents and no debt.

Paymentus Holdings (PAY) Earnings, Revenues Date & History

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PAY Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Nov 11, 2025	2025 (Q3)	0.15 / -	0.15	―	―	―
Aug 04, 2025	2025 (Q2)	0.14 / 0.15	0.12	25.00% (+0.03)
May 05, 2025	2025 (Q1)	0.13 / 0.14	0.1	40.00% (+0.04)
Mar 10, 2025	2024 (Q4)	0.12 / 0.14	0.11	27.27% (+0.03)
Nov 12, 2024	2024 (Q3)	0.10 / 0.15	0.09	66.67% (+0.06)
Aug 08, 2024	2024 (Q2)	0.09 / 0.12	0.08	50.00% (+0.04)
May 06, 2024	2024 (Q1)	0.09 / 0.10	0.02	400.00% (+0.08)
Mar 04, 2024	2023 (Q4)	0.07 / 0.11	0.02	450.00% (+0.09)
Nov 06, 2023	2023 (Q3)	0.05 / 0.09	0.01	800.00% (+0.08)
Aug 07, 2023	2023 (Q2)	0.01 / 0.08	0	―

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
Aug 04, 2025	$29.33	$32.85	+12.00%
May 05, 2025	$34.13	$35.08	+2.78%
Mar 10, 2025	$24.68	$30.75	+24.59%
Nov 12, 2024	$26.61	$33.80	+27.02%

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.