Paymentus (PAY) came out with quarterly earnings of $0.13 per share, beating the Zacks Consensus Estimate of $0.12 per share. This compares to earnings of $0.11 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of 8.33%. A quarter ago, it was expected that this electronic bill payment services would post earnings of $0.09 per share when it actually produced earnings of $0.15, delivering a surprise of 66.67%.Over the last four quart ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File Number: 001-40429 Paymentus Holdings, Inc. (Exact Name of Registrant as Specified in its Charter) (State or other jurisdiction of incorporation or organiza ...

FOURTH QUARTER 2024 EARNINGS CONFERENCE CALL March 10, 2025 DUSHYANT SHARMA President & CEO SANJAY KALRA CFO EARNINGS REPORT DISCLAIMER This presentation and the accompanying webcast contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. All such statements, other than statements of historical facts, are forward-looking statements. Generally, you can identify forward-looking statements by terms such as "may," "will," "should," "expects," "plans," "anti ...

Financial Performance - Fourth quarter revenue reached a record $257.9 million, a year-over-year increase of 56.5% driven by increased billers and transactions[5] - Adjusted EBITDA for the fourth quarter was $27.3 million, representing a 31.6% adjusted EBITDA margin, a 36.9% increase year-over-year[5] - Full year revenue was $871.7 million, an increase of 41.9% year-over-year, also driven by increased billers and transactions[5] - The company processed 166.0 million transactions in Q4 2024, a 33.0% increase year-over-year, and 597.0 million transactions for the full year, a 30.3% increase[5] - Non-GAAP net income for Q4 was $16.3 million, compared to $11.8 million in the prior period, with diluted non-GAAP earnings per share at $0.13 compared to $0.09[5] - Contribution profit for Q4 was $86.2 million, a year-over-year increase of 30.0%[5] - Gross profit for the full year was $238.2 million, an increase of 30.6% year-over-year, with adjusted gross profit at $259.6 million, up 30.4%[5] - Diluted GAAP earnings per share for Q4 was $0.10, compared to $0.07 in the prior period, reflecting overall improved profitability[5] - Revenue for Q4 2024 reached $257,877,000, a 56.5% increase from $164,800,000 in Q4 2023[27] - Gross profit for Q4 2024 was $66,029,000, up 33.4% from $49,492,000 in Q4 2023[27] - Net income for the year ended December 31, 2024, was $44,169,000, representing a 97.9% increase compared to $22,322,000 in 2023[27] - Net income for Q4 2024 was $13,149,000, a 40.5% increase from $9,402,000 in Q4 2023[36] - Adjusted EBITDA for Q4 2024 reached $27,278,000, up 37.0% from $19,925,000 in Q4 2023, with an adjusted EBITDA margin of 31.6% compared to 30.0% in the previous year[36] - Non-GAAP net income after tax adjustments for Q4 2024 was $16,298,000, a 38.5% increase from $11,790,000 in Q4 2023[39] Future Outlook - For fiscal year 2025, the company expects revenue between $1,040 million and $1,060 million, and adjusted EBITDA between $112 million and $116 million[8] - The company ended 2024 with strong bookings and backlog, indicating confidence in delivering solid growth in 2025[2] Cash and Assets - Total current assets increased to $345,641,000 in 2024 from $270,348,000 in 2023, a growth of 28%[29] - Cash and cash equivalents at the end of Q4 2024 were $205,900,000, compared to $179,361,000 at the end of Q4 2023, an increase of 14.8%[31] - Total assets grew to $576,247,000 in 2024 from $504,863,000 in 2023, marking a 14.1% increase[29] - The company reported a net cash provided by operating activities of $27,913,000 for Q4 2024, compared to $24,441,000 in Q4 2023[41] - The total net cash used in investing activities for Q4 2024 was $9,144,000, compared to $8,449,000 in Q4 2023[41] Expenses - Research and development expenses for the year increased to $51,334,000 in 2024 from $44,248,000 in 2023, a rise of 16.8%[27] - Operating expenses for the year totaled $193,313,000, compared to $164,249,000 in 2023, reflecting a 17.7% increase[27] - Operating expenses on a GAAP basis for Q4 2024 were $51,839,000, compared to $40,352,000 in Q4 2023, reflecting a 28.5% increase[38] - Non-GAAP operating expenses for Q4 2024 were $47,283,000, up from $36,706,000 in Q4 2023, indicating a 28.7% increase[38] Stock-Based Compensation - The company experienced a significant increase in stock-based compensation, which rose to $3,431,000 in Q4 2024 from $2,499,000 in Q4 2023[39] Free Cash Flow - Free cash flow for Q4 2024 was $18,951,000, an increase from $15,992,000 in Q4 2023[41]

Core Insights - Paymentus Holdings, Inc. is set to release its fourth-quarter financial results on March 10, with expected earnings of 12 cents per share, an increase from 9 cents per share year-over-year [1] - The company projects quarterly revenue of $222.06 million, up from $164.8 million in the same period last year [1] Financial Performance - On November 12, 2024, Paymentus reported better-than-expected third-quarter results and provided FY24 revenue guidance above estimates [2] - Following the report, Paymentus shares experienced a slight decline of 0.2%, closing at $25.95 [2] Analyst Ratings - Wells Fargo analyst Andrew Bauch maintained an Equal-Weight rating and raised the price target from $27 to $33 [3] - Baird analyst David Koning kept an Outperform rating and increased the price target from $25 to $36 [3] - JP Morgan analyst Tien-Tsin Huang maintained a Neutral rating and raised the price target from $21 to $26 [3]

Group 1 - The notification pertains to an acquisition of voting rights by Ameriprise Financial, Inc. in PayPoint PLC, a UK issuer [1][2] - The threshold for voting rights was crossed on February 14, 2025, with the issuer being notified on February 18, 2025 [2][10] - Ameriprise Financial, Inc. holds 3,137,618 voting rights, representing 4.407% of the total voting rights in PayPoint PLC [2][8] Group 2 - The previous position held by Ameriprise Financial, Inc. was 5.651% of the voting rights, indicating a decrease in holdings [2] - The voting rights are held indirectly, with no direct voting rights reported [2][8] - The chain of controlled undertakings shows that Ameriprise Financial, Inc. has multiple wholly owned subsidiaries, indicating a complex ownership structure [8][9]

Core Viewpoint - Ashford Hospitality Trust has fully paid off its strategic financing, which was crucial for recovery from the COVID pandemic [1][2]. Company Summary - Ashford Hospitality Trust is a real estate investment trust (REIT) that primarily invests in upper upscale, full-service hotels [2]. - The complete elimination of corporate-level debt strengthens the company and aligns with its "GRO AHT" initiative, aimed at maximizing asset performance and increasing shareholder value [2].

Core Viewpoints - PayPoint Group delivered a positive quarter with strong performance from key seasonal businesses, maintaining confidence in meeting FY25 expectations and achieving £100m EBITDA by the end of FY26 [2][3] - The company's resilience, investment in capabilities, and growing opportunities to deliver value-add solutions underpin its confidence in achieving long-term growth targets [3] Shopping Division - Shopping divisional net revenue decreased by 2.0% to £16.1 million, driven by lower consumer spending and a challenging environment for UK consumers [4][11] - PayPoint estate continued to grow, with site growth to 20,092 and enhanced propositions for retailers [4][13] - Card payments net revenue decreased by 5.7% to £7.8 million, with a reduction in the Handepay EVO/Lloyds Cardnet estate to 19,220 as the company transitioned to a new acquirer [13] - Card processed value decreased by 5.9% overall to £1.7 billion, with the Handepay EVO estate down 1.8% and the Lloyds Cardnet estate down 11.4% [13] E-commerce Division - E-commerce divisional net revenue increased strongly by 32.0% to £4.1 million, driven by a 36.8% increase in parcel transactions to 35.8 million [5][12] - Collect+ network increased to 13,930 sites, reflecting strong positioning in Out of Home (OOH) fulfilment and a market shift towards OOH delivery [5][13] - The company is making progress in engaging with Chinese and South Asian marketplaces, with services expected to go live in the final quarter [5] Payments & Banking Division - Payments & Banking divisional net revenue increased by 0.8% to £14.0 million, with underlying net revenue from the MultiPay platform increasing by 4.7% to £1.8 million [6][12] - Local Banking initiatives are progressing, with the first High St bank on track for consumer deposits launch at the end of Q4 FY25 [6] - Over £373 million of consumer deposits have been processed for neobanks through the company's extensive network [6] - The legacy energy sector business remains resilient, with key contract renewals including Scottish Power [6] Love2shop Division - Love2shop divisional net revenue increased by 1.3% to £18.8 million, with billings ahead of last year and a strong pipeline for Q4 FY25 [8][14] - Highstreetvouchers.com billings were 9.2% ahead of plan, with a strategic partnership with InComm Payments delivering an incremental £1.7m of billings [8] - Park Christmas Savings delivered final billings of £162.2m, consistent with the previous year, with early indications for the 2025 prepayments saving season being encouraging [8] Financial Highlights - Group net revenue increased by 1.9% to £53.0 million, driven by strong performances in E-commerce and Love2shop divisions [10] - The Group had net corporate debt of £108.9 million, expected to reduce to below £100 million by 31 March 2025 [15] - An increased interim dividend of 19.4 pence per share was declared, up 2.1% from the prior half year [16] - The Group commenced a three-year share buyback programme, returning at least £20 million to shareholders over the next 12 months [17] Strategic Initiatives - The company is leveraging data and analytics to enhance retailer engagement and identify performance trends in the PayPoint and card merchant networks [4] - New initiatives include the launch of a Merchant App, targeted marketing campaigns, and an AI-driven statement reader to enhance the merchant sales experience [4] - The company is expanding its FMCG pipeline, with consumer brand campaigns planned for the next 6-12 months, and has lent over £16m through its YouLend Business Finance product [4] - The company is working on initiatives with SF Express to enable services in Chinese communities across the UK [5]

Core Viewpoint - PayPoint Plc has announced the reinvestment of the first installment of its interim cash dividend through the Share Incentive Plan, allowing Persons Discharging Managerial Responsibilities (PDMRs) to purchase ordinary shares at a price of £7.62 each on 20 December 2024 [4][13]. Group 1: Transaction Details - The transaction involves the purchase of ordinary shares of 1/3 pence each under the PayPoint Plc Share Incentive Plan [12]. - The purchase price for the shares was set at £7.62 [12]. - The total volume of shares purchased by various PDMRs includes 78, 76, 61, 53, 35, 20, 31, 33, 25, 26, 18, and 9 shares, with an aggregate total of 595.12, 579.86, 465.41, 404.37, 267.04, 152.59, 236.52, 251.78, 190.74, 198.37, 137.33, and 68.67 in total value respectively [12]. Group 2: Persons Discharging Managerial Responsibilities - The PDMRs involved in the transaction include Katy Wilde, Josephine Toolan, Christopher Paul, Simon Coles, Anthony Sappor, Nicholas Williams, Nicholas Wiles, Benjamin Ford, Mark Latham, Tanya Murphy, Stephen O’Neill, and Rob Harding [5][11]. - The notification was made in accordance with the UK Market Abuse Regulation [4].

Core Viewpoint - Growth investors are increasingly focused on identifying stocks with above-average financial growth, which can lead to solid returns, but finding such stocks can be challenging due to inherent risks and volatility [1] Group 1: Company Overview - Paymentus (PAY) is highlighted as a recommended growth stock, possessing a favorable Growth Score and a top Zacks Rank [2] - The company has a historical EPS growth rate of 135.6%, with projected EPS growth of 53.1% this year, surpassing the industry average of 42.1% [5] Group 2: Financial Metrics - The asset utilization ratio for Paymentus is 1.48, indicating that the company generates $1.48 in sales for every dollar in assets, compared to the industry average of 0.86, showcasing superior efficiency [6] - Paymentus is expected to achieve a sales growth of 35.5% this year, significantly higher than the industry average of 4.2% [7] Group 3: Earnings Estimates - The current-year earnings estimates for Paymentus have been revised upward, with the Zacks Consensus Estimate increasing by 21.9% over the past month, indicating positive momentum [9] - Paymentus has earned a Growth Score of B and holds a Zacks Rank 2 due to favorable earnings estimate revisions, suggesting it is a solid choice for growth investors [10][12]