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Side-by-side financial comparison of ALBANY INTERNATIONAL CORP (AIN) and Paymentus Holdings, Inc. (PAY). Click either name above to swap in a different company.
Paymentus Holdings, Inc. is the larger business by last-quarter revenue ($330.5M vs $321.2M, roughly 1.0× ALBANY INTERNATIONAL CORP). Paymentus Holdings, Inc. runs the higher net margin — 6.3% vs 4.3%, a 1.9% gap on every dollar of revenue. On growth, Paymentus Holdings, Inc. posted the faster year-over-year revenue change (28.1% vs 12.0%). ALBANY INTERNATIONAL CORP produced more free cash flow last quarter ($51.4M vs $45.0M). Over the past eight quarters, Paymentus Holdings, Inc.'s revenue compounded faster (33.7% CAGR vs 1.2%).
Albany International Corp is a global advanced materials and industrial technology company. It operates two core segments: Machine Clothing producing custom engineered fabrics for paper and other industrial manufacturing processes, and Engineered Composites developing high-performance composite components primarily for the aerospace and defense sectors, serving customers across North America, Europe, Asia and other global regions.
Paymentus Holdings, Inc. is a leading cloud-based bill payment and customer engagement technology provider. It offers integrated digital payment solutions, billing automation tools, and self-service portals for enterprises across utilities, financial services, government, healthcare, and telecommunications segments, primarily operating in the North American market.
AIN vs PAY — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $321.2M | $330.5M |
| Net Profit | $13.9M | $20.7M |
| Gross Margin | 31.1% | 25.4% |
| Operating Margin | 9.3% | 7.3% |
| Net Margin | 4.3% | 6.3% |
| Revenue YoY | 12.0% | 28.1% |
| Net Profit YoY | -21.5% | 57.2% |
| EPS (diluted) | $0.56 | $0.16 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $321.2M | $330.5M | ||
| Q3 25 | $261.4M | $310.7M | ||
| Q2 25 | $311.4M | $280.1M | ||
| Q1 25 | $288.8M | $275.2M | ||
| Q4 24 | $286.9M | $257.9M | ||
| Q3 24 | $298.4M | $231.6M | ||
| Q2 24 | $332.0M | $197.4M | ||
| Q1 24 | $313.3M | $184.9M |
| Q4 25 | $13.9M | $20.7M | ||
| Q3 25 | $-97.8M | $17.7M | ||
| Q2 25 | $9.2M | $14.7M | ||
| Q1 25 | $17.4M | $13.8M | ||
| Q4 24 | $17.7M | $13.1M | ||
| Q3 24 | $18.0M | $14.4M | ||
| Q2 24 | $24.6M | $9.4M | ||
| Q1 24 | $27.3M | $7.2M |
| Q4 25 | 31.1% | 25.4% | ||
| Q3 25 | -19.1% | 24.1% | ||
| Q2 25 | 31.3% | 25.5% | ||
| Q1 25 | 33.4% | 24.0% | ||
| Q4 24 | 31.5% | 25.6% | ||
| Q3 24 | 30.3% | 26.2% | ||
| Q2 24 | 33.9% | 29.8% | ||
| Q1 24 | 34.7% | 28.5% |
| Q4 25 | 9.3% | 7.3% | ||
| Q3 25 | -44.6% | 6.4% | ||
| Q2 25 | 7.2% | 5.7% | ||
| Q1 25 | 9.8% | 5.7% | ||
| Q4 24 | 8.5% | 5.5% | ||
| Q3 24 | 8.4% | 5.2% | ||
| Q2 24 | 12.9% | 5.2% | ||
| Q1 24 | 12.4% | 4.5% |
| Q4 25 | 4.3% | 6.3% | ||
| Q3 25 | -37.4% | 5.7% | ||
| Q2 25 | 2.9% | 5.3% | ||
| Q1 25 | 6.0% | 5.0% | ||
| Q4 24 | 6.2% | 5.1% | ||
| Q3 24 | 6.0% | 6.2% | ||
| Q2 24 | 7.4% | 4.7% | ||
| Q1 24 | 8.7% | 3.9% |
| Q4 25 | $0.56 | $0.16 | ||
| Q3 25 | $-3.37 | $0.14 | ||
| Q2 25 | $0.31 | $0.11 | ||
| Q1 25 | $0.56 | $0.11 | ||
| Q4 24 | $0.57 | $0.11 | ||
| Q3 24 | $0.57 | $0.11 | ||
| Q2 24 | $0.79 | $0.07 | ||
| Q1 24 | $0.87 | $0.06 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $112.3M | $320.9M |
| Total DebtLower is stronger | $455.7M | — |
| Stockholders' EquityBook value | $726.2M | $560.4M |
| Total Assets | $1.7B | $667.9M |
| Debt / EquityLower = less leverage | 0.63× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $112.3M | $320.9M | ||
| Q3 25 | $108.3M | $287.9M | ||
| Q2 25 | $106.7M | $266.4M | ||
| Q1 25 | $119.4M | $245.8M | ||
| Q4 24 | $115.3M | $205.9M | ||
| Q3 24 | $127.2M | $187.5M | ||
| Q2 24 | $116.4M | $188.8M | ||
| Q1 24 | $125.4M | $180.1M |
| Q4 25 | $455.7M | — | ||
| Q3 25 | $480.6M | — | ||
| Q2 25 | $444.7M | — | ||
| Q1 25 | $416.4M | — | ||
| Q4 24 | $318.5M | — | ||
| Q3 24 | $362.2M | — | ||
| Q2 24 | $377.1M | — | ||
| Q1 24 | $439.1M | — |
| Q4 25 | $726.2M | $560.4M | ||
| Q3 25 | $739.3M | $537.4M | ||
| Q2 25 | $888.6M | $516.7M | ||
| Q1 25 | $900.0M | $500.4M | ||
| Q4 24 | $943.5M | $485.6M | ||
| Q3 24 | $991.0M | $468.8M | ||
| Q2 24 | $967.5M | $451.6M | ||
| Q1 24 | $967.5M | $439.4M |
| Q4 25 | $1.7B | $667.9M | ||
| Q3 25 | $1.7B | $644.4M | ||
| Q2 25 | $1.7B | $609.5M | ||
| Q1 25 | $1.7B | $590.9M | ||
| Q4 24 | $1.6B | $576.2M | ||
| Q3 24 | $1.8B | $552.9M | ||
| Q2 24 | $1.8B | $527.7M | ||
| Q1 24 | $1.8B | $514.0M |
| Q4 25 | 0.63× | — | ||
| Q3 25 | 0.65× | — | ||
| Q2 25 | 0.50× | — | ||
| Q1 25 | 0.46× | — | ||
| Q4 24 | 0.34× | — | ||
| Q3 24 | 0.37× | — | ||
| Q2 24 | 0.39× | — | ||
| Q1 24 | 0.45× | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $73.7M | $45.1M |
| Free Cash FlowOCF − Capex | $51.4M | $45.0M |
| FCF MarginFCF / Revenue | 16.0% | 13.6% |
| Capex IntensityCapex / Revenue | 6.9% | 0.0% |
| Cash ConversionOCF / Net Profit | 5.31× | 2.18× |
| TTM Free Cash FlowTrailing 4 quarters | $82.6M | $161.8M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $73.7M | $45.1M | ||
| Q3 25 | $43.9M | $35.1M | ||
| Q2 25 | $32.7M | $31.5M | ||
| Q1 25 | $2.1M | $50.4M | ||
| Q4 24 | $78.5M | $27.9M | ||
| Q3 24 | $47.0M | $6.7M | ||
| Q2 24 | $83.4M | $18.0M | ||
| Q1 24 | $9.6M | $11.0M |
| Q4 25 | $51.4M | $45.0M | ||
| Q3 25 | $25.9M | $35.0M | ||
| Q2 25 | $18.8M | $31.4M | ||
| Q1 25 | $-13.5M | $50.4M | ||
| Q4 24 | $60.2M | $27.8M | ||
| Q3 24 | $31.6M | $6.7M | ||
| Q2 24 | $63.6M | $17.8M | ||
| Q1 24 | $-17.3M | $10.8M |
| Q4 25 | 16.0% | 13.6% | ||
| Q3 25 | 9.9% | 11.3% | ||
| Q2 25 | 6.0% | 11.2% | ||
| Q1 25 | -4.7% | 18.3% | ||
| Q4 24 | 21.0% | 10.8% | ||
| Q3 24 | 10.6% | 2.9% | ||
| Q2 24 | 19.2% | 9.0% | ||
| Q1 24 | -5.5% | 5.9% |
| Q4 25 | 6.9% | 0.0% | ||
| Q3 25 | 6.9% | 0.0% | ||
| Q2 25 | 4.5% | 0.0% | ||
| Q1 25 | 5.4% | 0.0% | ||
| Q4 24 | 6.4% | 0.0% | ||
| Q3 24 | 5.2% | 0.0% | ||
| Q2 24 | 6.0% | 0.1% | ||
| Q1 24 | 8.6% | 0.1% |
| Q4 25 | 5.31× | 2.18× | ||
| Q3 25 | — | 1.98× | ||
| Q2 25 | 3.56× | 2.14× | ||
| Q1 25 | 0.12× | 3.65× | ||
| Q4 24 | 4.44× | 2.12× | ||
| Q3 24 | 2.61× | 0.47× | ||
| Q2 24 | 3.39× | 1.93× | ||
| Q1 24 | 0.35× | 1.52× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
AIN
| Transferred At Point In Time | $176.5M | 55% |
| Engineered Composites Other | $99.3M | 31% |
| Engineered Composites ASC | $44.5M | 14% |
| Transferred Over Time | $1.0M | 0% |
PAY
| Payment Transaction Processing Revenue | $326.9M | 99% |
| Other | $3.5M | 1% |
