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 ...

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 ...

Business Operations and Strategy - The company operates a proprietary Instant Payment Network® (IPN) that connects tens of thousands of billers, enhancing its reach to millions of consumers globally[25]. - The company aims to expand its market share by enhancing its biller network, which is expected to drive organic growth through increased transaction volume and improved retention rates[29]. - The company utilizes a diversified go-to-market strategy, including direct sales and partnerships with major financial institutions like JPMorgan Chase and U.S. Bank, to deliver its solutions[30]. - The company is committed to addressing inefficiencies in the bill payment process, which are prevalent in legacy systems used by many billers and financial institutions[26]. - The company aims to continue winning new billers and financial institutions by investing in the growth of its IPN and enhancing its value proposition[81]. - The company plans to expand into new channels and industry verticals, focusing on sectors with favorable bill payment characteristics, such as healthcare and insurance[83]. - The company intends to pursue selective strategic acquisitions to enhance its technology and value proposition for billers and partners[86]. Technology and Platform Features - The platform is designed to provide a seamless electronic bill payment experience, leveraging a single code base and Software-as-a-Service (SaaS) infrastructure for rapid deployment of new features[24]. - The company’s platform supports omni-channel payment capabilities, allowing consumers to pay bills through various channels, including mobile, web, and voice assistants[27]. - The platform supports a variety of payment types, including emerging options like PayPal, Venmo, Apple Pay, and Google Pay, which are increasingly important to billers and financial institutions[56]. - The platform's architecture allows for rapid deployment of new features without the need for managing separate software versions, enhancing flexibility for billers and financial institutions[49]. - The company’s platform is scalable and customizable, designed to support transaction growth for billers and financial institutions of all sizes[28]. - The company’s flexible and integrated platform helps billers reduce costs and improve customer satisfaction by automating manual workflows[69]. - The company’s platform is designed to provide a comprehensive omni-channel electronic bill payment experience enhanced by AI and ML technologies[94]. Data Analytics and Consumer Engagement - The company emphasizes the importance of data analytics in improving the electronic bill payment experience, leveraging insights from hundreds of millions of transactions[37]. - The AI-powered analytics engine provides data-driven insights on consumer preferences and behaviors, improving the overall bill payment experience[48]. - The company enables billers to engage consumers through targeted communications, sending hundreds of millions of emails and text messages in 2024[51]. - The company’s technology solutions focus on enhancing consumer engagement through smart notifications and secure communication channels[44]. Financial Performance and Growth - In 2024, the company processed approximately 597 million payments, averaging 1.6 million payments per day[64]. - As of December 2024, approximately 46 million consumers and businesses utilized the platform for bill payments[78]. - The company has made significant investments in its technology platform, which it considers a core differentiator of its business[84]. Regulatory and Compliance - The company is subject to various U.S. and international regulations regarding data privacy and security, which are evolving and increasing in complexity[100]. - The company is subject to various U.S. state and federal laws, including the Telephone Consumer Protection Act and the CAN-SPAM Act, which may impact its operations[103]. - The company has registered as a Payment Service Provider under the Retail Payments Activity Act in Canada, increasing scrutiny of compliance with Canadian payments regulations[104]. - The Consumer Financial Protection Bureau proposed a rule in January 2024 to prohibit non-sufficient funds fees on transactions declined in real time, which may affect the company[104]. - The company is focused on enhancing its AML/BSA compliance and sanctions screening controls due to increasing pressure from partner banks[104]. - The company is subject to evolving laws and regulations related to financial services, privacy, and data protection, which may increase regulatory risks[104]. Workforce and Employment - As of December 31, 2024, the company employed 1,307 full-time employees and a small number of part-time employees[105]. - The company believes it provides significant ongoing career growth opportunities for its employees, supporting recruitment and retention[106]. Foreign Operations and Risks - The company has significant operations outside the United States, particularly in Canada and India, exposing it to foreign currency exchange risks[416]. - The company has not engaged in hedging of foreign currency transactions but may consider it in the future[416]. - The company does not believe that a hypothetical 10% relative change in interest rates would materially impact the value of its cash equivalents or investment portfolio as of December 31, 2024[415].

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]