Paymentus Holdings, Inc.
Paymentus Holdings, Inc. provides cloud-based bill payment technology and solutions in the United States and internationally. The company offers electronic bill presentment and payment services, enterprise customer communication, and self-service revenue management to billers through a software-as-a-service technology platform. Its platform's payment processing includes credit cards, debit cards,… Read more
Paymentus Holdings, Inc. (PAY) - Net Assets
Latest net assets as of September 2025: $537.40 Million USD
Based on the latest financial reports, Paymentus Holdings, Inc. (PAY) has net assets worth $537.40 Million USD as of September 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($644.41 Million) and total liabilities ($107.01 Million). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $537.40 Million |
| % of Total Assets | 83.39% |
| Annual Growth Rate | N/A |
| 5-Year Change | 475.51% |
| 10-Year Change | -54.65% |
| Growth Volatility | 204.12 |
Paymentus Holdings, Inc. - Net Assets Trend (2001–2024)
This chart illustrates how Paymentus Holdings, Inc.'s net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Paymentus Holdings, Inc. (2001–2024)
The table below shows the annual net assets of Paymentus Holdings, Inc. from 2001 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | $485.60 Million | +13.03% |
| 2023-12-31 | $429.62 Million | +8.17% |
| 2022-12-31 | $397.18 Million | +2.86% |
| 2021-12-31 | $386.13 Million | +357.63% |
| 2020-12-31 | $84.38 Million | +22.99% |
| 2019-12-31 | $68.60 Million | -91.23% |
| 2017-12-31 | $782.40 Million | -8.32% |
| 2016-12-31 | $853.40 Million | -8.68% |
| 2015-12-31 | $934.50 Million | -12.72% |
| 2014-12-31 | $1.07 Billion | -7.03% |
| 2013-12-31 | $1.15 Billion | -14.41% |
| 2012-12-31 | $1.35 Billion | +12.55% |
| 2011-12-31 | $1.20 Billion | +476.25% |
| 2010-12-31 | $207.46 Million | +502.21% |
| 2009-12-31 | $34.45 Million | -76.11% |
| 2008-12-31 | $144.21 Million | -75.28% |
| 2007-12-31 | $583.41 Million | +490.85% |
| 2006-12-31 | $98.74 Million | +272.07% |
| 2005-12-31 | $26.54 Million | +119.60% |
| 2004-12-31 | $-135.39 Million | -245.90% |
| 2003-12-31 | $-39.14 Million | -19.85% |
| 2002-12-31 | $-32.66 Million | -105.13% |
| 2001-12-31 | $-15.92 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Paymentus Holdings, Inc.'s total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 9591300000.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $95.91 Million | 19.75% |
| Common Stock | $12.00K | 0.00% |
| Other Comprehensive Income | $-233.00K | -0.05% |
| Other Components | $389.90 Million | 80.29% |
| Total Equity | $485.60 Million | 100.00% |
Paymentus Holdings, Inc. Competitors by Market Cap
The table below lists competitors of Paymentus Holdings, Inc. ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Aker Solutions ASA
OL:AKSO
|
$1.29 Billion |
|
Invisio AB (publ)
F:ICQ
|
$1.29 Billion |
|
Taihai Manoir Nuclear Equipment Co Ltd
SHE:002366
|
$1.29 Billion |
|
Shenzhen Suntak Circuit Technology Co Ltd
SHE:002815
|
$1.29 Billion |
|
ACV Auctions Inc.
NASDAQ:ACVA
|
$1.29 Billion |
|
QL Resources Bhd
KLSE:7084
|
$1.29 Billion |
|
Oruka Therapeutics, Inc.
NASDAQ:ORKA
|
$1.29 Billion |
|
State Grid Information&Communication Co Ltd
SHG:600131
|
$1.29 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Paymentus Holdings, Inc.'s equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 429,616,000 to 485,596,000, a change of 55,980,000 (13.0%).
- Net income of 44,169,000 contributed positively to equity growth.
- Share repurchases of 338,000 reduced equity.
- Other comprehensive income decreased equity by 320,000.
- Other factors increased equity by 12,469,000.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $44.17 Million | +9.1% |
| Share Repurchases | $338.00K | -0.07% |
| Other Comprehensive Income | $-320.00K | -0.07% |
| Other Changes | $12.47 Million | +2.57% |
| Total Change | $- | 13.03% |
Book Value vs Market Value Analysis
This analysis compares Paymentus Holdings, Inc.'s book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 6.60x
- The company is trading at a significant premium to its book value, suggesting the market values its earnings potential, brand, or other intangibles highly.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2001-12-31 | $-0.33 | $25.09 | x |
| 2002-12-31 | $-0.67 | $25.09 | x |
| 2003-12-31 | $-0.80 | $25.09 | x |
| 2004-12-31 | $-2.39 | $25.09 | x |
| 2005-12-31 | $0.43 | $25.09 | x |
| 2006-12-31 | $1.43 | $25.09 | x |
| 2007-12-31 | $7.07 | $25.09 | x |
| 2008-12-31 | $1.69 | $25.09 | x |
| 2009-12-31 | $0.38 | $25.09 | x |
| 2010-12-31 | $2.35 | $25.09 | x |
| 2011-12-31 | $12.36 | $25.09 | x |
| 2012-12-31 | $11.86 | $25.09 | x |
| 2013-12-31 | $10.26 | $25.09 | x |
| 2014-12-31 | $9.26 | $25.09 | x |
| 2015-12-31 | $7.76 | $25.09 | x |
| 2016-12-31 | $7.34 | $25.09 | x |
| 2017-12-31 | $6.75 | $25.09 | x |
| 2019-12-31 | $0.58 | $25.09 | x |
| 2020-12-31 | $0.73 | $25.09 | x |
| 2021-12-31 | $3.25 | $25.09 | x |
| 2022-12-31 | $3.25 | $25.09 | x |
| 2023-12-31 | $3.43 | $25.09 | x |
| 2024-12-31 | $3.80 | $25.09 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Paymentus Holdings, Inc. utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 9.10%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 5.07%
- • Asset Turnover: 1.51x
- • Equity Multiplier: 1.19x
- Recent ROE (9.10%) is above the historical average (-20.26%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2001 | 0.00% | -18.26% | 2.74x | 0.00x | $-62.17 Million |
| 2002 | 0.00% | -18.10% | 1.19x | 0.00x | $-50.24 Million |
| 2003 | 0.00% | 0.07% | 1.43x | 0.00x | $4.16 Million |
| 2004 | 0.00% | 1.44% | 1.59x | 0.00x | $19.14 Million |
| 2005 | 125.25% | 6.85% | 1.47x | 12.41x | $30.59 Million |
| 2006 | 60.27% | 10.24% | 1.28x | 4.59x | $49.64 Million |
| 2007 | -5.86% | -3.77% | 0.58x | 2.66x | $-92.11 Million |
| 2008 | -299.20% | -46.13% | 0.85x | 7.60x | $-439.54 Million |
| 2009 | -430.08% | -16.32% | 0.92x | 28.67x | $-141.04 Million |
| 2010 | 47.97% | 9.87% | 0.93x | 5.22x | $78.22 Million |
| 2011 | 23.65% | 21.66% | 0.56x | 1.94x | $162.98 Million |
| 2012 | 4.97% | 3.49% | 0.53x | 2.67x | $-65.75 Million |
| 2013 | -26.57% | -17.40% | 0.57x | 2.69x | $-407.56 Million |
| 2014 | -3.69% | -2.04% | 0.69x | 2.61x | $-141.48 Million |
| 2015 | 8.79% | 3.95% | 0.81x | 2.75x | $-10.86 Million |
| 2016 | -1.14% | -0.47% | 0.80x | 3.07x | $-90.67 Million |
| 2017 | -23.05% | -9.29% | 0.81x | 3.08x | $-249.35 Million |
| 2019 | 19.97% | 5.81% | 2.93x | 1.17x | $6.84 Million |
| 2020 | 16.25% | 4.54% | 2.42x | 1.48x | $5.27 Million |
| 2021 | 2.41% | 2.35% | 0.84x | 1.22x | $-29.31 Million |
| 2022 | -0.13% | -0.10% | 1.08x | 1.16x | $-40.23 Million |
| 2023 | 5.20% | 3.63% | 1.22x | 1.18x | $-20.64 Million |
| 2024 | 9.10% | 5.07% | 1.51x | 1.19x | $-4.39 Million |
Industry Comparison
This section compares Paymentus Holdings, Inc.'s net assets metrics with peer companies in the Software - Infrastructure industry.
Industry Context
- Industry: Software - Infrastructure
- Average net assets among peers: $237,144,588
- Average return on equity (ROE) among peers: -85.78%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Paymentus Holdings, Inc. (PAY) | $537.40 Million | 0.00% | 0.20x | $1.29 Billion |
| Automatic Bank Services Limited (ABANF) | $231.37 Million | 16.52% | 0.19x | $269.02 Million |
| ACI Worldwide Inc (ACIW) | $76.50 Million | 16.47% | 0.61x | $4.01 Billion |
| Adyen N.V (ADYYF) | $389.78 Million | 18.29% | 1.92x | $34.24 Billion |
| Aeva Technologies, Inc. Common Stock (AEVA) | $99.35 Million | -153.25% | 0.48x | $418.95 Million |
| Aeva Technologies, Inc. Warrants (AEVAW) | $456.38 Million | -22.32% | 0.05x | $3.74 Million |
| Affluence Corporation (AFFU) | $-639.00K | 0.00% | 0.00x | $3.98K |
| Axe Compute Inc. (AGPU) | $923.68K | -706.52% | 2.04x | $2.86 Million |
| C3 Ai Inc (AI) | $838.30 Million | -34.44% | 0.22x | $1.15 Billion |
| iLearningEngines, Inc. (AILE) | $264.32 Million | 1.83% | 0.09x | $17.39 Million |
| PowerFleet, Inc. (AIOT) | $15.17 Million | 5.61% | 0.31x | $383.57 Million |