Paymentus Holdings, Inc. · NYSE:PAY
Paymentus — Q2 2026 Earnings Presentation
16 slides from Paymentus's earnings presentation, Aug 3, 2026
Slide 1: Second Quarter 2026 Earnings Conference Call
August 3, 2026 SECOND QUARTER 2026 Earnings Conference Call DUSHYANT SHARMA SANJAY KALRA President & CEO CFO
Slide 2: Disclaimer
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
Slide 3: Q2 2026 Financial Highlights
EARNINGS REPORT Q2 2026 Financial Highlights FINANCIAL METRIC Q2 2026 YoY GROWTH % ($ Millions) REVENUE $360.7 28.8% CONTRIBUTION PROFIT(1) $118.1 26.3% ADJUSTED EBITDA(1) $48.8 54.0% 1 Non-GAAP financial measures: For definitions, reconciliation to the nearest GAAP measures and additional informati
Slide 4: Key Q2 2026 Highlights & Accomplishments
EARNINGS REPORT Key Q2 2026 Highlights & Accomplishments • Exceptional financial performance in all three key metrics • Continue to serve non-discretionary, essential domestic U.S. economy • Exited the quarter with a very strong backlog, pipeline and solid bookings • Accelerating demand across sever
Slide 5: Q2 2026 Key Financial Highlights
EARNINGS REPORT Q2 2026 Key Financial Highlights Strong Financial Results • Record Revenue $360.7 million, up 28.8% year over year • Contribution Profit $118.1 million, up 26.3%, accelerating 400 basis points versus last year • Adjusted EBITDA $48.8 million, up 54% and record 41.3% margins • Generat
Slide 6: Q2 2026 vs Q2 2025 Performance
EARNINGS REPORT Q2 2026 vs Q2 2025 Performance FINANCIAL METRIC Q2 2026 Q2 2025 CHANGE CHANGE % ($ Millions | except EPS) TRANSACTIONS 213.4 175.8 37.6 21.4% REVENUE $360.7 $280.1 $80.6 28.8% CONTRIBUTION PROFIT(1) $118.1 $93.5 $24.6 26.3% CONTRIBUTION PROFIT %(1) 32.7% 33.4% - (0.7%) ADJUSTED GROSS
Slide 7: Q2 2026 Balance Sheet and Liquidity Highlights
EARNINGS REPORT Q2 2026 Balance Sheet and Liquidity Highlights FINANCIAL METRIC Q2 2026 Q1 2026 CHANGE CHANGE % ($ Millions) CASH AND CASH EQUIVALENTS $379.7 $342.1 $37.6 11.0% FREE CASH FLOW(1) $39.0 $20.9 $18.1 86.6% DAYS SALES OUTSTANDING 27 29 (2) (6.9%) WORKING CAPITAL $393.3 $365.4 $27.9 7.6%
Slide 8: Q2 2026 & FY 2026 Financial Guidance
EARNINGS REPORT Q2 2026 & FY 2026 Financial Guidance FY 2026 FY 2026 FY 2026 FINANCIAL METRIC Q3 2026 REVISED PRIOR MIDPOINT ($ MILLIONS) GUIDANCE GUIDANCE GUIDANCE RAISED REVENUE $353 - $363 $1,443 - $1,458 $1,425 - $1,440 1.3% CONTRIBUTION $112 - $115 $460 - $465 $450 - $457 2.0% PROFIT(1) ADJUSTE
Slide 9: Investment Highlights
EARNINGS REPORT Investment Highlights • Sustainable Revenue Growth and Expanding Profitability • Large, Non-Discretionary and Growing Bill Payment Market • Innovative and Differentiated Technology Platform • Proprietary and Unique IPN Ecosystem • Scalable and Flexible Business Model with Substantial
Slide 10: Appendix
PAYMENTUS Q2 2026 Earnings Report APPENDIX
Slide 11: Use and Definitions of Non-GAAP Measures
EARNINGS REPORT Use and Definitions of Non-GAAP Measures In addition to disclosing financial measures in accordance with accounting principles generally accepted in the United States, or GAAP, this presentation contains certain non-GAAP financial measures set forth below. We use non-GAAP measures to
Slide 12: Contribution Profit and Adjusted Gross Profit
EARNINGS REPORT CONTRIBUTION PROFIT Three Months Ended June 30, Six Months Ended June 30, 2026 2025 2026 2025 (in thousands) (in thousands) Gross profit $ 94,311 $ 71,477 $ 180,543 $ 137,501 Plus: other cost of revenue 23,787 22,051 47,255 43,669 Contribution profit $ 118,098 $ 93,528 $ 227,798 $ 18
Slide 13: Adjusted EBITDA and Adjusted EBITDA Margin
EARNINGS REPORT ADJUSTED EBITDA AND Three Months Ended June 30, Six Months Ended June 30, ADJUSTED EBITDA MARGIN 2026 2025 2026 2025 (in thousands) (in thousands) Net income — GAAP $ 25,559 $ 14,707 $ 46,440 $ 28,520 Interest income, net (3,042) (2,336) (5,573) (4,398) Provision for income taxes 10,
Slide 14: Non-GAAP Net Income and Non-GAAP EPS
EARNINGS REPORT NON-GAAP NET INCOME Three Months Ended June 30, Six Months Ended June 30, AND NON-GAAP EPS 2026 2025 2026 2025 (in thousands) (in thousands) Net income — GAAP $ 25,559 $ 14,707 $ 46,440 $ 28,520 Add: Provision for income taxes — GAAP 10,099 3,662 18,309 7,650 Income before taxes — GA
Slide 15: Non-GAAP Operating Expense and Free Cash Flow
EARNINGS REPORT NON-GAAP OPERATING Three Months Ended June 30, Six Months Ended June 30, 2026 2025 2026 2025 EXPENSE (in thousands) (in thousands) Operating expenses — GAAP $ 61,690 $ 55,555 $ 121,370 $ 105,890 Stock-based compensation (6,663) (5,205) (12,568) (8,684) Amortization of acquisition-rel
Slide 16: Thank You
THANK YOU Dushyant Sharma Sanjay Kalra President & CEO CFO EMAIL: ir@paymentus.com | Website: ir.paymentus.com @PAYMENTUSCORP PAYMENTUS PAYMENTUS PAYMENTUSCORPORATION @PAYMENTUSCORPORATION @PAYMENTUSCORP PAYMENTUS PAYMENTUS @PAYMENTUSCORPORATION