Financial Data and Key Metrics Changes - Revenue for Q1 2025 was $275.2 million, an increase of 48.9% year over year, driven by increased clients and transactions [8][17] - Contribution profit was $87.6 million, up 26.3% year over year, with an adjusted EBITDA of $30 million, reflecting a 51.3% increase year over year [8][21] - Adjusted EBITDA margin reached a record 34.2%, with over 50% of year-over-year growth in contribution profit dropping to the bottom line [9][22] - The company ended Q1 with total cash and cash equivalents of $249.6 million, up from $209.4 million at the end of 2024, and generated a record free cash flow of $41.1 million [23][24] Business Line Data and Key Metrics Changes - The company signed clients across various industry verticals including utilities, government agencies, telecommunications, banking, insurance, and education, indicating a diverse client base [11][12] - The onboarding of large enterprise clients has contributed significantly to transaction growth, with a higher level of transactions processed reaching $173.2 million, up 28% year over year [17][18] Market Data and Key Metrics Changes - The company continues to serve essential sectors of the domestic economy, focusing on non-discretionary bills such as utilities and insurance, which are fundamental for households [5][6] - The average revenue per transaction increased to $1.59 from $1.37 in the prior year, attributed to the mix of large enterprise billers [17][18] Company Strategy and Development Direction - The company aims to maintain a compound annual growth rate (CAGR) of 20% for revenue and 20% to 30% for adjusted EBITDA, with a focus on leveraging operating efficiency [9][28] - The management emphasizes the importance of their technology platform and ecosystem, which reduces costs for clients while improving customer experience [7][32] - The company is exploring potential M&A opportunities but remains focused on organic growth, with no immediate need for acquisitions [25][49] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in the company's performance despite macroeconomic challenges, citing strong sales momentum and a solid pipeline for future growth [5][31] - The management noted that they are not seeing any changes in sales cycles or implementation speeds, indicating resilience in their business model [44][45] - The company believes it is well-positioned for further growth, with a strong backlog and encouraging trends in consumer and business payment behaviors [29][31] Other Important Information - The company has a strong cash position, allowing for financial flexibility and the potential for strategic investments [25][51] - The management highlighted the importance of their diverse partner ecosystem, which complements their direct go-to-market strategy [12][102] Q&A Session Summary Question: Transaction growth trends and contributions from new vs. existing clients - Management indicated that both new customer implementations and same-store sales are growing, with new implementations currently contributing more significantly [37][38] Question: Dynamics behind gross revenue guidance - Management explained that the guidance reflects caution regarding large enterprise customers, as their growth patterns are still being assessed [39][41] Question: Changes in sales cycles or implementation pace due to macro uncertainty - Management reported no significant changes in sales cycles or implementation speeds, maintaining a strong pipeline [44][45] Question: M&A opportunities and criteria - Management stated that M&A is a secondary objective, with no immediate needs or specific criteria set for potential acquisitions [49][50] Question: Free cash flow conversion and expectations - Management emphasized that while free cash flow can fluctuate, they expect to generate decent cash annually after taxes [56][58] Question: Trends in demand across various verticals - Management noted strong performance across multiple verticals, with a proven platform that meets the needs of diverse clients [90][91] Question: Long-term operating margin expectations - Management refrained from providing specific long-term margin targets but indicated confidence in achieving good operating leverage [93][94]

Paymentus (PAY) Q1 2025 Earnings Call May 05, 2025 05:00 PM ET Speaker0 Good day, and welcome to the First Quarter twenty twenty five Paymentus Holdings Earnings Conference Call. This call is being recorded. All participants are currently in listen mode only. There will be an opportunity to ask questions following management's prepared remarks. At this time, I will now turn the call over to Scott Eckstein, Investor Relations. Speaker1 Thank you, operator. Good afternoon. Welcome, and thank you for joining t ...

In addition to the GAAP financial measures presented in our consolidated financial statements, this presentation includes key performance indicators and non-GAAP financial measures that our management uses to help us evaluate our business, identify trends affecting our business, formulate business plans and make strategic decisions. There are limitations to contribution profit and margin, adjusted gross profit, non-GAAP operating expenses, non-GAAP net income, non-GAAP earnings per share, EBITDA, adjusted E ...

Paymentus Reports First Quarter 2025 Financial Results Revenue increased 48.9% year-over-year Adjusted EBITDA rose 51.3%, reflecting a 34.2% adjusted EBITDA margin CHARLOTTE, North Carolina, May 5, 2025 -- Paymentus Holdings, Inc. ("Paymentus") (NYSE: PAY), a leading provider of cloud-based bill payment technology and solutions, today announced its unaudited financial results for the quarter ended March 31, 2025. "Paymentus started 2025 on strong footing, with year-over-year growth in revenue, contribution ...

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Core Insights - PayPoint Plc anticipates delivering a financial performance in line with expectations, with underlying EBITDA of approximately £90 million and year-end net debt below £100 million [3] - The company has been actively engaging in a share buyback program, purchasing a total of 2,227,615 shares for £15.9 million as of April 17, 2025 [3] - Preliminary results for the financial year ending March 31, 2025, will be announced on June 12, 2025, along with updates on group strategy and financial objectives for the three-year period to FY28 [4] Business Overview - PayPoint Group serves a diverse range of organizations, including SMEs, convenience retailers, local authorities, government, multinational service providers, and e-commerce brands [6] - The company operates across four core business divisions, creating long-term value for stakeholders [6] - In the Shopping division, PayPoint enhances retailer propositions and customer experiences through various payment technologies and partnerships across over 60,000 locations [7] - The E-commerce division offers tech-based delivery solutions through Collect+, facilitating parcel pick-up and drop-off at local stores [7] - In Payments and Banking, PayPoint provides a digital payments platform, MultiPay, which supports various payment methods including Open Banking and card payments [7] - The Love2shop division offers gifting and prepaid savings solutions, being the UK's leading multi-retailer gifting provider [7]

Paymentus (PAY) could be a solid choice for investors given its recent upgrade to a Zacks Rank #2 (Buy). This rating change essentially reflects an upward trend in earnings estimates -- one of the most powerful forces impacting stock prices.The sole determinant of the Zacks rating is a company's changing earnings picture. The Zacks Consensus Estimate -- the consensus of EPS estimates from the sell-side analysts covering the stock -- for the current and following years is tracked by the system.Individual inv ...

Industry Overview - Mobile payments are financial transactions conducted via smartphones, tablets, or wearable devices, eliminating the need for cash or physical cards [1] - The global mobile payments market was valued at $88.5 billion in 2024 and is projected to grow at a compound annual growth rate (CAGR) of 38% from 2025 to 2030, driven by smartphone penetration and e-commerce growth [4] Technological Advancements - Technologies such as blockchain and artificial intelligence are enhancing transaction transparency, automating processes, and improving fraud prevention in mobile payments [2] - Digital wallets and contactless technologies, including NFC, are facilitating seamless transactions and peer-to-peer transfers [1][2] Key Players - Affirm Holdings, Inc. is known for its "Buy Now, Pay Later" solutions, allowing consumers to split purchases into biweekly or monthly payments, with 21 million active consumers and 337,000 active merchants as of December 31, 2024 [6][7] - Fiserv, Inc. offers a comprehensive suite of mobile payment solutions, including Clover Go, which supports around 3.5 million POS devices globally and has been adopted by over 2,100 financial institutions [9][10] - MercadoLibre, Inc. operates Mercado Pago, which processed approximately 11.3 billion transactions last year and has over 56 million monthly active users, highlighting its significant growth potential in Latin America [13][14] - Paymentus Holdings, Inc. provides an all-in-one electronic bill presentment and payment platform, processing 166 million transactions in the fourth quarter of 2024, showcasing its operational scale [16][18] Market Trends - The COVID-19 pandemic has accelerated the demand for contactless and secure payment solutions, further driving the adoption of mobile payments [3] - Companies are leveraging strategic partnerships to enhance their service offerings and expand into new markets, such as Affirm's collaboration with Shopify for international expansion [8]

Paymentus Holdings, Inc. (NYSE:PAY) Q4 2024 Earnings Conference Call March 10, 2025 5:00 PM ET Company Participants David Hanover - Investor Relations Dushyant Sharma - Founder & Chief Executive Officer Sanjay Kalra - Chief Financial Officer Conference Call Participants Dave Koning - Baird Tien-Tsin Huang - JPMorgan John Davis - Raymond James Andrew Bauch - Wells Fargo Matt O'Neill - FT Partners Operator Good day, and welcome to the Fourth Quarter and Full Year 2024 Paymentus Earnings Conference Call. This ...

Paymentus (PAY) Q4 2024 Earnings Call March 10, 2025 11:24 PM ET Company Participants David Hanover - Investor RelationsDushyant Sharma - Founder and Chief Executive OfficerSanjay Kalra - Senior VP, CFO & Principal Accounting OfficerJohn Davis - Managing DirectorAndrew Bauch - Director - Equity ResearchMatthew O'Neill - Managing Director Conference Call Participants David Koning - Senior Research AnalystTien-tsin Huang - Senior Analyst Operator participants are currently in a listen only mode. There will be ...