Paymentus Holdings, Inc. · NYSE:PAY
Paymentus — Q2 2025 Earnings Presentation
16 slides from Paymentus's earnings presentation, Aug 4, 2025
Slide 1: Second Quarter 2025 Earnings Conference Call
August 4, 2025 SECOND QUARTER 2025 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: CEO Opening Comments
EARNINGS REPORT CEO Opening Comments • Billion dollar+ revenue run rate • Visibility extending into 2026 • Paymentus on a path for next major milestone • Stability and durability of growth algorithm • Paymentus’ substantial scale • Tens of millions of users (households and businesses) • Hundreds of
Slide 4: Q2 '2025 Financial Highlights
EARNINGS REPORT Q2 ‘2025 Financial Highlights FINANCIAL METRIC Q2 2025 YoY GROWTH % ($ MILLIONS) REVENUE $280.1 41.9% CONTRIBUTION PROFIT(1) $93.5 22.3% ADJUSTED EBITDA(1) $31.7 40.7% 1 Non-GAAP financial measures: For definitions, reconciliation to the nearest GAAP measures and additional informati
Slide 5: Key Q2 '2025 Accomplishments
EARNINGS REPORT Key Q2 ‘2025 Accomplishments • Excellent financial performance in all three key metrics • Continue to serve non-discretionary, essential domestic U.S. economy • Strong exit backlog with solid bookings in the quarter • Continued momentum in demand across several verticals: Utilities,
Slide 6: Q2 '2025 vs Q2 '2024 Performance
EARNINGS REPORT Q2 ‘2025 vs Q2 ‘2024 Performance FINANCIAL METRIC Q2 2025 Q2 2024 CHANGE CHANGE % ($ Millions | except EPS) TRANSACTIONS 175.8 140.4 35.4 25.2% REVENUE $280.1 $197.4 $82.7 41.9% CONTRIBUTION PROFIT(1) $93.5 $76.5 $17.0 22.3% CONTRIBUTION PROFIT %(1) 33.4% 38.7% - (5.3%) ADJUSTED GROS
Slide 7: Q2 '2025 Additional Financial Data
EARNINGS REPORT Q2 ‘2025 Additional Financial Data FINANCIAL METRIC Q2 2025 Q1 2025 CHANGE CHANGE % ($ Millions) CASH AND CASH EQUIVALENTS $270.0 $249.6 $20.4 8.2% FREE CASH FLOW(1) $22.5 $41.1 $(18.6) (45.3)% DEBT - - - - DAYS SALES OUTSTANDING 31 33 (2) (6.1)% WORKING CAPITAL $297.4 $280.5 $16.9 6
Slide 8: Q3 '2025 and FY '2025 Financial Guidance
EARNINGS REPORT Q3 ‘2025 and FY ‘2025 Financial Guidance FY 2025 FY 2025 FY 2025 FINANCIAL METRIC Q3 2025 REVISED PRIOR MIDPOINT ($ MILLIONS) GUIDANCE GUIDANCE GUIDANCE RAISED REVENUE $278 - $282 $1,123 - $1,132 $1,075 - $1,090 4.2% CONTRIBUTION $92 - $94 $369 - $373 $363 - $369 1.4% PROFIT(1) ADJUS
Slide 9: Investment Highlights
EARNINGS REPORT Investment Highlights • Sustainable 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 • Diversified Customer B
Slide 10: Appendix
PAYMENTUS Q2 2025 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, Adjusted Gross Profit
EARNINGS REPORT CONTRIBUTION PROFIT ADJUSTED GROSS PROFIT © 2025 | PROPRIETARY & CONFIDENTIAL | 12
Slide 13: Adjusted EBITDA and Adjusted EBITDA Margin
EARNINGS REPORT ADJUSTED EBITDA AND ADJUSTED EBITDA MARGIN © 2025 | PROPRIETARY & CONFIDENTIAL | 13
Slide 14: Non-GAAP Net Income and Non-GAAP EPS
EARNINGS REPORT NON-GAAP NET INCOME AND NON-GAAP EPS Non-GAAP financial information for the periods shown reflects an assumed provision for income taxes based on our long -term projected tax rate of 25%. Due to the differences in the tax treatment of items excluded from non-GAAP earnings, our long-t
Slide 15: Non-GAAP Operating Expense, Free Cash Flow
EARNINGS REPORT NON-GAAP OPERATING EXPENSE FREE CASH FLOW © 2025 | PROPRIETARY & CONFIDENTIAL | 15
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