Should You Buy This Mid Cap Stock Now-PAY

Acrobull Canada Advisory Inc.

December 17			2025
Name	Ticker	Sector/Industry		Market Cap	Risk Factor
Payments Holdings Inc.	PAY-NYSE	Technology		$3.858 Billion	Medium

Paymentus Holdings, Inc. delivers cloud-based bill payment solutions and technology both in the U.S. and internationally. The company provides electronic bill presentment and payment services, enterprise customer communication, and self-service revenue management to billers via its software-as-a-service (SaaS) platform.

Recent Highlights

CEO Statement- Paymentus delivered a strong performance in the third quarter, achieving double-digit year-over-year growth across key financial metrics. Revenue increased by 34.2%, contribution profit rose by 22.8%, and adjusted EBITDA grew by an impressive 45.9%. These results were driven by successful new customer implementations and sustained demand across the company’s client base.

Commenting on the results, Dushyant Sharma, Founder and Chief Executive Officer, stated that the company’s exceptional year-to-date bookings, coupled with a substantial backlog, provide strong visibility and confidence in Paymentus’s growth trajectory for the remainder of 2025 and into 2026.

Third Quarter 2025 Financial Highlights

For the reporting period, the company achieved a revenue of $310.7 million, reflecting a robust year-over-year growth of 34.2%. This increase was primarily driven by a higher number of billers and an uptick in transaction volumes.

Gross profit for the period totaled $74.8 million, marking a year-over-year rise of 23.4%. When adjusted for specific items, the company's adjusted gross profit reached $81.1 million, a 22.5% increase compared to the same period last year.

Contribution profit stood at $98.3 million, showing a solid year-over-year growth of 22.8%.

The company reported a net income of $17.7 million, compared to $14.4 million in the previous period, reflecting a positive growth trajectory. Diluted GAAP earnings per share came in at $0.14, up from $0.11 in the prior year.

On a non-GAAP basis, net income was $22.6 million, a significant improvement from $14.7 million in the prior period. Diluted non-GAAP earnings per share were $0.17, up from $0.12 in the same period last year. These results underscore the company's strong financial performance and continued operational momentum.

Stock Observation-Looking ahead, the company expects to build on its strong performance, leveraging the $310.7 million in revenue achieved during the reporting period and the 34.2% year-over-year growth as a foundation for continued expansion. Management anticipates that sustained customer demand, ongoing new implementations, and increased transaction volumes will support further revenue growth and strengthen the company’s financial position in future periods.

Risk Involved- Financial performance of the company may have an impact on the company stock performance.

Considering all the factors and financials of the company Acrobull Canada Advisory Inc. maintains Customer Choose Buy for the stock.

Disclaimer- Though our research is fundamentally and technically based on Acrobull Canada Advisory Inc. only provides general advice on the stocks and it is imperative for the investors to do the risk assessment for themselves before investing as Acrobull Canada Advisory Inc. would not be liable for any loss or profit arising out through the investment made by the investors on our recommendations.

It is also advisable for the investors to consult with Financial Advisor, Broker or to seek any legal assistance as the research conducted by Acrobull Canada Advisory Inc. is factually based and recommendations are given in accordance with that, but it is imperative to understand that Acrobull Canada Advisory Inc. does not guarantee returns.

Acrobull Recommendation Based on Evaluation

Current Market Price	$30.76 USD
Acrobull Recommendation	Buy
Target Price	$34.25 USD
RSI Level	43 RSI
Total Shares Outstanding	125.83 Million
Shares Held by Insiders Shares Held by Institutions Risk Factor Stop Loss	4.30% 94.71% Medium 5%