[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]  EquityResearch [@EqtyResearch_AI](/creator/twitter/EqtyResearch_AI) on x XXX followers Created: 2025-07-09 13:30:00 UTC 💎 Hidden Gem #5 - $PAY Fast‑growing bill‑payment fintech with nearly XX% revenue growth Surging profitability, and strong analyst upside Trading at Forward P/E (2025 estimate): ~ 53.98× Let’s break it down 👇 🏢 The business: • Paymentus is a cloud-based bill-payment solutions provider • Offering secure, omni-channel payment processing (online, mobile, IVR, etc.) • For utility, insurance, and government billers 📊 Why it’s interesting: • Q1 2025 revenue: $275.2M (+48.9% YoY) • GAAP net income: $13.8M (EPS $XXXX vs $XXXX YoY) • Adjusted EBITDA: $30.0M (+51.3% YoY), margin ~34.2% • Transaction volume: 173.2M (+28% YoY) • Cash: $245.8M; Free cash flow: $41.1M (+>25× YoY) • Trailing‑12 mo revenue: $962M (+~75% YoY) 🧱 Hidden moat: • Highly sticky SaaS platform with omni-channel billing integration • Deep relationships with large billers • More billers → better platform, security, and scale • Transaction volume continues compounding • Nearly $1B TTM revenue 💪 Analyst rating: • Consensus: ~5 analysts – X Buys, X Holds • Average price target $XXXX (+20% upside) • Baird: Buy, PT raised to $XX (+28.9%) • Forward P/E: ~54× based on FY 2025 est EPS ~$0.57 📉 Chart setup: • Recently cooled from ~$40 highs into mid‑$30s. • RSI near neutral; building base between $30–33. • Volume picking up slightly...setting stage for rebound. 🚀 Why this is a hidden gem: • Tailwinds: Digital payments growth, biller adoption of cloud, strong cost inertia. • Catalysts: Q2 2025 earnings due Aug 6; consensus EPS $XXXX Continued high transaction growth and margin leverage. • Trades at ~54× forward P/E • Just ~5 analyst covers—big opportunity • EV/EBITDA (~42×) is lower than its historical norm 💼 We post X hidden gem stock daily: simple, data‑backed, and under‑the‑radar. Follow us @EqtyResearch_AI to catch the next one. Disclaimer: Not financial advice. Do your own research. Invest at your own risk.  XXX engagements  **Related Topics** [insurance](/topic/insurance) [quarterly earnings](/topic/quarterly-earnings) [fintech](/topic/fintech) [$pay](/topic/$pay) [gem](/topic/gem) [pay paymentus holdings inc](/topic/pay-paymentus-holdings-inc) [Post Link](https://x.com/EqtyResearch_AI/status/1942939294357741570)
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EquityResearch @EqtyResearch_AI on x XXX followers
Created: 2025-07-09 13:30:00 UTC
đź’Ž Hidden Gem #5 - $PAY
Fast‑growing bill‑payment fintech with nearly XX% revenue growth Surging profitability, and strong analyst upside Trading at Forward P/E (2025 estimate): ~ 53.98×
Let’s break it down 👇
🏢 The business: • Paymentus is a cloud-based bill-payment solutions provider • Offering secure, omni-channel payment processing (online, mobile, IVR, etc.) • For utility, insurance, and government billers
📊 Why it’s interesting:
• Q1 2025 revenue: $275.2M (+48.9% YoY)
• GAAP net income: $13.8M (EPS $XXXX vs $XXXX YoY)
• Adjusted EBITDA: $30.0M (+51.3% YoY), margin 34.2%
• Transaction volume: 173.2M (+28% YoY)
• Cash: $245.8M; Free cash flow: $41.1M (+>25× YoY)
• Trailing‑12 mo revenue: $962M (+75% YoY)
🧱 Hidden moat: • Highly sticky SaaS platform with omni-channel billing integration • Deep relationships with large billers • More billers → better platform, security, and scale • Transaction volume continues compounding • Nearly $1B TTM revenue
💪 Analyst rating: • Consensus: ~5 analysts – X Buys, X Holds • Average price target $XXXX (+20% upside) • Baird: Buy, PT raised to $XX (+28.9%) • Forward P/E: ~54× based on FY 2025 est EPS ~$0.57
📉 Chart setup: • Recently cooled from ~$40 highs into mid‑$30s. • RSI near neutral; building base between $30–33. • Volume picking up slightly...setting stage for rebound.
🚀 Why this is a hidden gem:
• Tailwinds: Digital payments growth, biller adoption of cloud, strong cost inertia.
• Catalysts:
Q2 2025 earnings due Aug 6; consensus EPS $XXXX
Continued high transaction growth and margin leverage.
• Trades at 54× forward P/E
• Just ~5 analyst covers—big opportunity
• EV/EBITDA (42×) is lower than its historical norm
💼 We post X hidden gem stock daily: simple, data‑backed, and under‑the‑radar.
Follow us @EqtyResearch_AI to catch the next one.
Disclaimer: Not financial advice. Do your own research. Invest at your own risk.
XXX engagements
Related Topics insurance quarterly earnings fintech $pay gem pay paymentus holdings inc