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Side-by-side financial comparison of Paymentus Holdings, Inc. (PAY) and POTLATCHDELTIC CORP (PCH). Click either name above to swap in a different company.
Paymentus Holdings, Inc. is the larger business by last-quarter revenue ($330.5M vs $314.2M, roughly 1.1× POTLATCHDELTIC CORP). POTLATCHDELTIC CORP runs the higher net margin — 8.2% vs 6.3%, a 2.0% gap on every dollar of revenue. On growth, Paymentus Holdings, Inc. posted the faster year-over-year revenue change (28.1% vs 23.1%). POTLATCHDELTIC CORP produced more free cash flow last quarter ($50.1M vs $45.0M). Over the past eight quarters, Paymentus Holdings, Inc.'s revenue compounded faster (33.7% CAGR vs 11.1%).
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.
POTLATCHDELTIC CORPPCHEarnings & Financial Report
PotlatchDeltic Corporation is an American diversified forest products company based in Spokane, Washington.
PAY vs PCH — Head-to-Head
Income Statement — Q4 FY2025 vs Q3 FY2025
| Metric | | |
|---|---|---|
| Revenue | $330.5M | $314.2M |
| Net Profit | $20.7M | $25.9M |
| Gross Margin | 25.4% | 18.2% |
| Operating Margin | 7.3% | 11.2% |
| Net Margin | 6.3% | 8.2% |
| Revenue YoY | 28.1% | 23.1% |
| Net Profit YoY | 57.2% | 682.5% |
| EPS (diluted) | $0.16 | $0.33 |
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 | $330.5M | — | ||
| Q3 25 | $310.7M | $314.2M | ||
| Q2 25 | $280.1M | $275.0M | ||
| Q1 25 | $275.2M | $268.3M | ||
| Q4 24 | $257.9M | $258.1M | ||
| Q3 24 | $231.6M | $255.1M | ||
| Q2 24 | $197.4M | $320.7M | ||
| Q1 24 | $184.9M | $228.1M |
| Q4 25 | $20.7M | — | ||
| Q3 25 | $17.7M | $25.9M | ||
| Q2 25 | $14.7M | $7.4M | ||
| Q1 25 | $13.8M | $25.8M | ||
| Q4 24 | $13.1M | $5.2M | ||
| Q3 24 | $14.4M | $3.3M | ||
| Q2 24 | $9.4M | $13.7M | ||
| Q1 24 | $7.2M | $-305.0K |
| Q4 25 | 25.4% | — | ||
| Q3 25 | 24.1% | 18.2% | ||
| Q2 25 | 25.5% | 13.0% | ||
| Q1 25 | 24.0% | 17.8% | ||
| Q4 24 | 25.6% | 13.4% | ||
| Q3 24 | 26.2% | 10.8% | ||
| Q2 24 | 29.8% | 11.9% | ||
| Q1 24 | 28.5% | 7.0% |
| Q4 25 | 7.3% | — | ||
| Q3 25 | 6.4% | 11.2% | ||
| Q2 25 | 5.7% | 5.0% | ||
| Q1 25 | 5.7% | 10.3% | ||
| Q4 24 | 5.5% | 5.2% | ||
| Q3 24 | 5.2% | 2.8% | ||
| Q2 24 | 5.2% | 5.4% | ||
| Q1 24 | 4.5% | -2.1% |
| Q4 25 | 6.3% | — | ||
| Q3 25 | 5.7% | 8.2% | ||
| Q2 25 | 5.3% | 2.7% | ||
| Q1 25 | 5.0% | 9.6% | ||
| Q4 24 | 5.1% | 2.0% | ||
| Q3 24 | 6.2% | 1.3% | ||
| Q2 24 | 4.7% | 4.3% | ||
| Q1 24 | 3.9% | -0.1% |
| Q4 25 | $0.16 | — | ||
| Q3 25 | $0.14 | $0.33 | ||
| Q2 25 | $0.11 | $0.09 | ||
| Q1 25 | $0.11 | $0.33 | ||
| Q4 24 | $0.11 | $0.07 | ||
| Q3 24 | $0.11 | $0.04 | ||
| Q2 24 | $0.07 | $0.17 | ||
| Q1 24 | $0.06 | $0.00 |
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 | $88.8M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $560.4M | $1.9B |
| Total Assets | $667.9M | $3.2B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $320.9M | — | ||
| Q3 25 | $287.9M | $88.8M | ||
| Q2 25 | $266.4M | $95.3M | ||
| Q1 25 | $245.8M | $147.5M | ||
| Q4 24 | $205.9M | $151.6M | ||
| Q3 24 | $187.5M | $161.1M | ||
| Q2 24 | $188.8M | $199.7M | ||
| Q1 24 | $180.1M | $180.2M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $1.0B | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $560.4M | — | ||
| Q3 25 | $537.4M | $1.9B | ||
| Q2 25 | $516.7M | $1.9B | ||
| Q1 25 | $500.4M | $2.0B | ||
| Q4 24 | $485.6M | $2.0B | ||
| Q3 24 | $468.8M | $2.1B | ||
| Q2 24 | $451.6M | $2.1B | ||
| Q1 24 | $439.4M | $2.2B |
| Q4 25 | $667.9M | — | ||
| Q3 25 | $644.4M | $3.2B | ||
| Q2 25 | $609.5M | $3.2B | ||
| Q1 25 | $590.9M | $3.3B | ||
| Q4 24 | $576.2M | $3.3B | ||
| Q3 24 | $552.9M | $3.3B | ||
| Q2 24 | $527.7M | $3.4B | ||
| Q1 24 | $514.0M | $3.4B |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 0.51× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $65.7M |
| Free Cash FlowOCF − Capex | $45.0M | $50.1M |
| FCF MarginFCF / Revenue | 13.6% | 15.9% |
| Capex IntensityCapex / Revenue | 0.0% | 4.9% |
| Cash ConversionOCF / Net Profit | 2.18× | 2.54× |
| TTM Free Cash FlowTrailing 4 quarters | $161.8M | $132.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $45.1M | — | ||
| Q3 25 | $35.1M | $65.7M | ||
| Q2 25 | $31.5M | $41.0M | ||
| Q1 25 | $50.4M | $49.1M | ||
| Q4 24 | $27.9M | $45.4M | ||
| Q3 24 | $6.7M | $26.5M | ||
| Q2 24 | $18.0M | $100.6M | ||
| Q1 24 | $11.0M | $16.0M |
| Q4 25 | $45.0M | — | ||
| Q3 25 | $35.0M | $50.1M | ||
| Q2 25 | $31.4M | $30.6M | ||
| Q1 25 | $50.4M | $26.3M | ||
| Q4 24 | $27.8M | $25.4M | ||
| Q3 24 | $6.7M | $-8.2M | ||
| Q2 24 | $17.8M | $72.4M | ||
| Q1 24 | $10.8M | $2.0M |
| Q4 25 | 13.6% | — | ||
| Q3 25 | 11.3% | 15.9% | ||
| Q2 25 | 11.2% | 11.1% | ||
| Q1 25 | 18.3% | 9.8% | ||
| Q4 24 | 10.8% | 9.9% | ||
| Q3 24 | 2.9% | -3.2% | ||
| Q2 24 | 9.0% | 22.6% | ||
| Q1 24 | 5.9% | 0.9% |
| Q4 25 | 0.0% | — | ||
| Q3 25 | 0.0% | 4.9% | ||
| Q2 25 | 0.0% | 3.8% | ||
| Q1 25 | 0.0% | 8.5% | ||
| Q4 24 | 0.0% | 7.7% | ||
| Q3 24 | 0.0% | 13.6% | ||
| Q2 24 | 0.1% | 8.8% | ||
| Q1 24 | 0.1% | 6.1% |
| Q4 25 | 2.18× | — | ||
| Q3 25 | 1.98× | 2.54× | ||
| Q2 25 | 2.14× | 5.58× | ||
| Q1 25 | 3.65× | 1.90× | ||
| Q4 24 | 2.12× | 8.74× | ||
| Q3 24 | 0.47× | 7.99× | ||
| Q2 24 | 1.93× | 7.35× | ||
| Q1 24 | 1.52× | — |
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% |
PCH
| Lumber | $131.8M | 42% |
| Timberlands | $52.5M | 17% |
| Rural Real Estate | $51.3M | 16% |
| Residuals And Panels | $34.0M | 11% |
| Pulpwood | $16.7M | 5% |
| Development Real Estate | $14.6M | 5% |
| Other | $8.1M | 3% |
| Other Products | $5.2M | 2% |
