The raised full-year guidance and record adjusted EBITDA margin signal accelerating profitability. Monitor Q4 2026 results for continued transaction growth and margin expansion, as well as any updates on 2027 outlook.
How the stock moved after the report
BULLISH VIEWSTOCK ABOVE ENTRY AT T+1- T+0 · Nov 2 $31.02entry
- T+1 · 2d ago +7.96%α +6.31% · $33.49
- T+3 · todayOpen
- T+5 · in 4d Pending
- T+20 · in 26d Pending
- T+60 · in 3mo Pending
Price Chart
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Executive Summary
Paymentus reported Q3 2026 revenue of $372.2M, up 19.8% YoY, and GAAP diluted EPS of $0.21, up from $0.14 YoY. The company raised its full-year 2026 revenue guidance to $1,464M-$1,469M from the prior $1,425M-$1,440M range, above the consensus estimate of $358.3M for the quarter. Adjusted EBITDA margin reached a record 41.9%.
Key Financial Metrics
Key Facts
- Q3 2026 revenue of $372.2M, up 19.8% YoY from $310.7M
- GAAP diluted EPS of $0.21, up 50% YoY from $0.14
- Non-GAAP diluted EPS of $0.25, up 47% YoY from $0.17
- Adjusted EBITDA of $49.7M, up 38.6% YoY, with record margin of 41.9%
- Full-year 2026 revenue guidance raised to $1,464M-$1,469M from $1,425M-$1,440M
- Q4 2026 revenue guidance of $373M-$378M
- 219.0 million transactions processed, up 20.1% YoY
- Cash and cash equivalents of $407.6M, up from $320.9M at year-end 2025
Financial Impact
Revenue beat consensus by $13.9M (3.9%), EPS of $0.21 matched consensus of $0.21; full-year guidance raised by ~$34M at midpoint
Risk Factors
- Revenue growth decelerated to 19.8% from 30.2% in Q1 2026, indicating a potential slowdown
- Sales and marketing expenses grew 26.6% YoY, outpacing revenue growth
- Competition in the bill payment technology space could pressure margins
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 6 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001193125-26-443656 |
| Document: pay-20261102.htm | 0001193125-26-443656 |
| Document: 0001193125-26-443656-index-headers.html | 0001193125-26-443656 |
| Document: 0001193125-26-443656-index.html | 0001193125-26-443656 |
| Document: 0001193125-26-443656.txt | 0001193125-26-443656 |
| 8-K Data (Synthetic) | 0001193125-26-443656 |
Track record builds as more directional reports settle.
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Nov 5, 2026 today | SC 13G/A | $34.19 | awaiting T+1 | awaiting T+1 | $33.38 (−2.37%) |
Nov 2, 2026 3d ago | 8-K | $31.02 $33.49 | ▲ +7.96% | ▲ +6.31% | $33.38 (+7.61%) |
Oct 20, 2026 16d ago | Institutional Cluster | $33.06 $34.07 | ▲ +3.06% | ▲ +4.24% | $33.38 (+0.97%) |
Aug 6, 2026 13w ago | Insider Cluster | $38.57 $38.99 | ▲ +1.09% | ▲ +1.12% | $33.38 (−13.46%) |
Jul 23, 2026 15w ago | 8-K | $28.87 $31.48 | ▲ +9.04% | ▲ +9.02% | $33.38 (+15.62%) |
Apr 8, 2026 30w ago | 8-K | $24.96 $24.36 | ▼ −2.40% | ▼ −2.34% | $33.38 (+33.73%) |
Feb 28, 2026 35w ago | Institutional Cluster | $24.74 $25.63 | ▲ +3.60% | ▲ +4.51% | $33.38 (+34.92%) |
US Market Status
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