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Side-by-side financial comparison of Paymentus Holdings, Inc. (PAY) and PROSPERITY BANCSHARES INC (PB). Click either name above to swap in a different company.
PROSPERITY BANCSHARES INC is the larger business by last-quarter revenue ($367.6M vs $330.5M, roughly 1.1× Paymentus Holdings, Inc.). PROSPERITY BANCSHARES INC runs the higher net margin — 31.6% vs 6.3%, a 25.4% gap on every dollar of revenue. Over the past eight quarters, Paymentus Holdings, Inc.'s revenue compounded faster (33.7% CAGR vs 19.2%).
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.
Prosperity Bancshares, Inc. is a bank holding company headquartered in Houston, Texas with operations in Texas and central Oklahoma. As of December 31, 2019, the company operated 285 branches: 65 in the Houston area, including The Woodlands, Texas; 30 in South Texas, including Corpus Christi, Texas and Victoria, Texas; 75 in the Dallas–Fort Worth metroplex; 22 in East Texas; 29 in Central Texas, including Austin, Texas and San Antonio; 34 in West Texas, including Lubbock, Texas, Midland–Odess...
PAY vs PB — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $330.5M | $367.6M |
| Net Profit | $20.7M | $116.3M |
| Gross Margin | 25.4% | — |
| Operating Margin | 7.3% | — |
| Net Margin | 6.3% | 31.6% |
| Revenue YoY | 28.1% | — |
| Net Profit YoY | 57.2% | -10.7% |
| EPS (diluted) | $0.16 | $1.16 |
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.
| Q1 26 | — | $367.6M | ||
| Q4 25 | $330.5M | $275.0M | ||
| Q3 25 | $310.7M | $273.4M | ||
| Q2 25 | $280.1M | $267.7M | ||
| Q1 25 | $275.2M | $265.4M | ||
| Q4 24 | $257.9M | $267.8M | ||
| Q3 24 | $231.6M | $261.7M | ||
| Q2 24 | $197.4M | $258.8M |
| Q1 26 | — | $116.3M | ||
| Q4 25 | $20.7M | $139.9M | ||
| Q3 25 | $17.7M | $137.6M | ||
| Q2 25 | $14.7M | $135.2M | ||
| Q1 25 | $13.8M | $130.2M | ||
| Q4 24 | $13.1M | $130.1M | ||
| Q3 24 | $14.4M | $127.3M | ||
| Q2 24 | $9.4M | $111.6M |
| Q1 26 | — | — | ||
| Q4 25 | 25.4% | — | ||
| Q3 25 | 24.1% | — | ||
| Q2 25 | 25.5% | — | ||
| Q1 25 | 24.0% | — | ||
| Q4 24 | 25.6% | — | ||
| Q3 24 | 26.2% | — | ||
| Q2 24 | 29.8% | — |
| Q1 26 | — | — | ||
| Q4 25 | 7.3% | 65.1% | ||
| Q3 25 | 6.4% | 64.4% | ||
| Q2 25 | 5.7% | 64.3% | ||
| Q1 25 | 5.7% | 62.7% | ||
| Q4 24 | 5.5% | 62.0% | ||
| Q3 24 | 5.2% | 62.1% | ||
| Q2 24 | 5.2% | 55.2% |
| Q1 26 | — | 31.6% | ||
| Q4 25 | 6.3% | 50.9% | ||
| Q3 25 | 5.7% | 50.3% | ||
| Q2 25 | 5.3% | 50.5% | ||
| Q1 25 | 5.0% | 49.1% | ||
| Q4 24 | 5.1% | 48.6% | ||
| Q3 24 | 6.2% | 48.6% | ||
| Q2 24 | 4.7% | 43.1% |
| Q1 26 | — | $1.16 | ||
| Q4 25 | $0.16 | $1.48 | ||
| Q3 25 | $0.14 | $1.45 | ||
| Q2 25 | $0.11 | $1.42 | ||
| Q1 25 | $0.11 | $1.37 | ||
| Q4 24 | $0.11 | $1.36 | ||
| Q3 24 | $0.11 | $1.34 | ||
| Q2 24 | $0.07 | $1.17 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $320.9M | — |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $560.4M | $8.2B |
| Total Assets | $667.9M | $43.6B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $320.9M | — | ||
| Q3 25 | $287.9M | — | ||
| Q2 25 | $266.4M | — | ||
| Q1 25 | $245.8M | — | ||
| Q4 24 | $205.9M | — | ||
| Q3 24 | $187.5M | — | ||
| Q2 24 | $188.8M | — |
| Q1 26 | — | $8.2B | ||
| Q4 25 | $560.4M | $7.6B | ||
| Q3 25 | $537.4M | $7.7B | ||
| Q2 25 | $516.7M | $7.6B | ||
| Q1 25 | $500.4M | $7.5B | ||
| Q4 24 | $485.6M | $7.4B | ||
| Q3 24 | $468.8M | $7.4B | ||
| Q2 24 | $451.6M | $7.3B |
| Q1 26 | — | $43.6B | ||
| Q4 25 | $667.9M | $38.5B | ||
| Q3 25 | $644.4M | $38.3B | ||
| Q2 25 | $609.5M | $38.4B | ||
| Q1 25 | $590.9M | $38.8B | ||
| Q4 24 | $576.2M | $39.6B | ||
| Q3 24 | $552.9M | $40.1B | ||
| Q2 24 | $527.7M | $39.8B |
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 | $45.1M | — |
| Free Cash FlowOCF − Capex | $45.0M | — |
| FCF MarginFCF / Revenue | 13.6% | — |
| Capex IntensityCapex / Revenue | 0.0% | — |
| Cash ConversionOCF / Net Profit | 2.18× | — |
| TTM Free Cash FlowTrailing 4 quarters | $161.8M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $45.1M | $78.3M | ||
| Q3 25 | $35.1M | $194.8M | ||
| Q2 25 | $31.5M | $98.2M | ||
| Q1 25 | $50.4M | $178.2M | ||
| Q4 24 | $27.9M | $-205.8M | ||
| Q3 24 | $6.7M | $274.6M | ||
| Q2 24 | $18.0M | $216.5M |
| Q1 26 | — | — | ||
| Q4 25 | $45.0M | $68.5M | ||
| Q3 25 | $35.0M | $185.7M | ||
| Q2 25 | $31.4M | $91.8M | ||
| Q1 25 | $50.4M | $171.1M | ||
| Q4 24 | $27.8M | $-210.7M | ||
| Q3 24 | $6.7M | $270.2M | ||
| Q2 24 | $17.8M | $211.8M |
| Q1 26 | — | — | ||
| Q4 25 | 13.6% | 24.9% | ||
| Q3 25 | 11.3% | 67.9% | ||
| Q2 25 | 11.2% | 34.3% | ||
| Q1 25 | 18.3% | 64.5% | ||
| Q4 24 | 10.8% | -78.7% | ||
| Q3 24 | 2.9% | 103.3% | ||
| Q2 24 | 9.0% | 81.8% |
| Q1 26 | — | — | ||
| Q4 25 | 0.0% | 3.6% | ||
| Q3 25 | 0.0% | 3.3% | ||
| Q2 25 | 0.0% | 2.4% | ||
| Q1 25 | 0.0% | 2.7% | ||
| Q4 24 | 0.0% | 1.8% | ||
| Q3 24 | 0.0% | 1.7% | ||
| Q2 24 | 0.1% | 1.8% |
| Q1 26 | — | — | ||
| Q4 25 | 2.18× | 0.56× | ||
| Q3 25 | 1.98× | 1.42× | ||
| Q2 25 | 2.14× | 0.73× | ||
| Q1 25 | 3.65× | 1.37× | ||
| Q4 24 | 2.12× | -1.58× | ||
| Q3 24 | 0.47× | 2.16× | ||
| Q2 24 | 1.93× | 1.94× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
PAY
| Payment Transaction Processing Revenue | $326.9M | 99% |
| Other | $3.5M | 1% |
PB
| Net Interest Income | $321.1M | 87% |
| Noninterest Income | $46.5M | 13% |
