Paymentus Holdings, Inc. · NYSE:PAY
Paymentus — Q1 2025 Earnings Presentation
26 slides from Paymentus's earnings presentation, May 5, 2025
Slide 1: Powering the Next Generation of Bill Payments
Powering the Next Generation of Bill Payments MAY 2025 NYSE: PAY
Slide 2: Disclaimer
Disclaimer This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. All statements other than statements of historical facts contained in this presentation are forward-looking statements. In some cases, you can identify forward
Slide 3: About Us
About Us We simplify how bills are paid…. By equipping businesses, banks and partners with a unified and comprehensive bill presentment and payment platform that integrates with the existing ERP, digital banking and customer information systems to modernize user experiences and optimize payment oper
Slide 4: Paymentus By The Numbers – FY 2024
Paymentus By The Numbers – FY 2024 Tremendous Strong, Profitable Financial Profile Scale $872 M $312 M $260 M $94 M 597 M Revenue Contribution Adjusted Gross Adjusted Transactions Profit1 Profit1 EBITDA1 Processed 2024 42% 30% 30% 30% Revenue Growth Contribution Profit Growth1 Adjusted Gross Profit
Slide 5: Focus on Profitable Growth
Focus on Profitable Growth Gross Revenue ($ Millions) Adjusted EBITDA1 ($ Millions) $100.0 $94.2 $1,000.0 $871.7 $80.0 $800.0 $58.1 $614.5 $60.0 $600.0 $497.0 $395.5 $40.0 $28.5 $29.5 $28.6 $400.0 $301.8 $20.0 $200.0 2020 2021 2022 2023 2024 2020 2021 2022 2023 2024 Contribution Profit1 ($ Millions)
Slide 6: Massive Market Opportunity
Massive Market Opportunity 16.8B 1 # of bills paid annually in the United States Paymentus Market Share Of U.S. Bill Payment Market (%) 3.6% U.S. Bill Pay Remaining # of bills paid annually on Addressable Market Paymentus platform (2024) # of bills paid annually in the 597M United States through non
Slide 7: What We Do: Modernize & Simplify How Bills are Paid
What We Do: Modernize & Simplify How Bills are Paid We modernize bill pay for over 2,500 businesses through a fully unified, integrated and advanced platform that is proven to: • Improve customer satisfaction scores after implementing our platform • Reduce operational expenses and cost to serve thro
Slide 8: Built on an Integrated, Modern Technology Stack
Built on an Integrated, Modern Technology Stack Powered by a significant and BILLER PARTNER CONSUMER broad library of integrations built APIs iFrame Fully Hosted over 10 years Single Point of Access CIS Systems Engagement Presentment Empowerment Payment Intelligence ERP Systems Smart notifications I
Slide 9: Our Omni-Channel Platform
Our Omni-Channel Platform For Consumers: More Ways to Interact, View Bills For Businesses: Improved Operations and Make and Receive Payments And Reduced Costs to Serve ALL PAYMENT METHODS ALL PAYMENT CHANNELS AGENT DASHBOARD REPORTING Admin users get complete picture in real-time – visibility into e
Slide 10: Platform Highlights
Platform Highlights Tremendous Unified & Modern Widely Patented & Highly Maximum Scale Architecture Integrated Proprietary Configurable Flexibility Architected for SaaS-based, multi- Bi-directional, real- From Secure Advanced Entire omni- maximum uptime tenant platform is time connectivity Service t
Slide 11: Business Highlights
Business Highlights The #1 Electronic Trusted By In Major Electronic Bill Payment Platform1 Leading Businesses Payment Verticals Independently rated as industry’s Trusted by over 25 Fortune 500 Differentiated solutions that solve top electronic bill presentment companies to modernize vertically-spec
Slide 12: Modernizing Payment Ecosystem Case Study: Large Insurance Company
Modernizing Payment Ecosystem Case Study: Large Insurance Company Paymentus Ecosystem Modernization • Eliminated disparate systems and deployed single payment hub across divisions • Deployed MDM data warehousing solution • Data migration of > 20M policyholders • Developed hybrid connectivity model f
Slide 13: Cost to Serve Case Study: Fortune 500 Electric & Gas Utility
Cost to Serve Case Study: Fortune 500 Electric & Gas Utility Benefits Realized After Paymentus was selected to help this electric and gas utility Implementing modernize bill payment experiences and reduce cost to serve Paymentus • Project Objective • This utility won CS Week’s Top Award For Digital
Slide 14: We Are At The Center of Modern Bill Pay
We Are At The Center of Modern Bill Pay Paymentus connects consumers, businesses and our strategic Partners seek to drive consumer partners through a unified engagement by offering bill pay in customer engagement, bill their product suites. presentment and payment platform. Banks Strategic Partners
Slide 15: Multiple Growth Drivers
Multiple Growth Drivers Direct - Channel Same Store SMBs Banks Industries Partners Sales Growth through our Referrals through Configurations that Continued bank bill pay Activating adoption proven direct sales existing strategic enable small businesses modernization through optimization features eng
Slide 16: Key Growth Driver: The Instant Payment Network
FINTECH APPS CREDIT Key Growth Driver: The Instant Payment Network UNIONS BANKS The Instant Payment Network (IPN) is a foundational component of Paymentus’ differentiated payment ecosystem. Through IPN, billers can present bills electronically and capture payments with real-time data exchange and po
Slide 17: Banks – A Multifaceted Growth Opportunity
Banks – A Multifaceted Growth Opportunity Billers Resellers IPN Partners • Credit cards Substantial opportunity Strategic partners to Direct integration • Mortgages leverage their treasury with Paymentus for Paymentus to drive • Auto relationships to offer Paymentus biller to enable consumers to pay
Slide 18: Why Customers and Partners Select Us
Why Customers and Partners Select Us Broad Scope Served Modern, cloud-based platform with a single code base and no versioning that uniquely serves almost any business size, business vertical, B2C, B2B, pay-out, biller direct and bank bill pay use case Comprehensive and One integration to Paymentus
Slide 19: Straightforward Revenue Model
Straightforward Revenue Model Number of Transactions Fee per Transaction Transaction Drivers (1) Convenience Fee • Grow Existing Billers and • Fee is paid by the consumer – the Partners biller passes through the charge • Win New Billers and Partners • Paymentus pays interchange fee • Expand the IPN
Slide 20: Founder-Led, Visionary Management Team
Founder-Led, Visionary Management Team Dushyant Sharma Sanjay Kalra Jerry Portocalis Andrew Gerber Founder, CEO CFO Chief Commercial General Counsel Officer
Slide 21: Paymentus – Simplifying Electronic Bill Payment
Paymentus – Simplifying Electronic Bill Payment Strategy Built on a Cloud-based 1 Tech Stack to Empower Billers 2 Next-Gen Platform and IPN 3 Massive Market Opportunity Diversified and Growing Biller and 4 Financial Institution Base Founder-Led, Visionary and 5 Seasoned Management Team
Slide 22: Appendix
Appendix Paymentus
Slide 23: 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 24: Contribution Profit and Adjusted Gross Profit
Contribution Profit and Adjusted Gross Profit
Slide 25: Adjusted EBITDA and Adjusted EBITDA Margin
Adjusted EBITDA and Adjusted EBITDA Margin
Slide 26: Thank You
THANK YOU @PAYMENTUSCORP PAYMENTUS PAYMENTUS PAYMENTUSCORPORATION @PAYMENTUSCORPORATION