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Side-by-side financial comparison of Paymentus Holdings, Inc. (PAY) and PARK NATIONAL CORP (PRK). Click either name above to swap in a different company.
Paymentus Holdings, Inc. is the larger business by last-quarter revenue ($330.5M vs $168.3M, roughly 2.0× PARK NATIONAL CORP). PARK NATIONAL CORP runs the higher net margin — 25.3% vs 6.3%, a 19.1% gap on every dollar of revenue. On growth, Paymentus Holdings, Inc. posted the faster year-over-year revenue change (28.1% vs 2.2%). PARK NATIONAL CORP produced more free cash flow last quarter ($191.9M vs $45.0M). Over the past eight quarters, Paymentus Holdings, Inc.'s revenue compounded faster (33.7% CAGR vs 4.9%).
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.
National Retail Systems, Inc. (NRS) includes Keystone Freight Corp. & National Retail Transportation, Inc. (NRT). NRS is an asset based 3PL founded in 1952. It is headquartered in Lyndhurst, New Jersey, United States.
PAY vs PRK — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $330.5M | $168.3M |
| Net Profit | $20.7M | $42.6M |
| Gross Margin | 25.4% | — |
| Operating Margin | 7.3% | — |
| Net Margin | 6.3% | 25.3% |
| Revenue YoY | 28.1% | 2.2% |
| Net Profit YoY | 57.2% | 10.4% |
| EPS (diluted) | $0.16 | $2.62 |
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 | $168.3M | ||
| Q3 25 | $310.7M | $169.5M | ||
| Q2 25 | $280.1M | $168.7M | ||
| Q1 25 | $275.2M | $157.9M | ||
| Q4 24 | $257.9M | $164.7M | ||
| Q3 24 | $231.6M | $170.3M | ||
| Q2 24 | $197.4M | $157.7M | ||
| Q1 24 | $184.9M | $152.8M |
| Q4 25 | $20.7M | $42.6M | ||
| Q3 25 | $17.7M | $47.2M | ||
| Q2 25 | $14.7M | $48.1M | ||
| Q1 25 | $13.8M | $42.2M | ||
| Q4 24 | $13.1M | $38.6M | ||
| Q3 24 | $14.4M | $38.2M | ||
| Q2 24 | $9.4M | $39.4M | ||
| Q1 24 | $7.2M | $35.2M |
| 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 24 | 28.5% | — |
| Q4 25 | 7.3% | — | ||
| Q3 25 | 6.4% | 34.3% | ||
| Q2 25 | 5.7% | 35.2% | ||
| Q1 25 | 5.7% | 32.4% | ||
| Q4 24 | 5.5% | — | ||
| Q3 24 | 5.2% | 27.4% | ||
| Q2 24 | 5.2% | 30.6% | ||
| Q1 24 | 4.5% | 27.8% |
| Q4 25 | 6.3% | 25.3% | ||
| Q3 25 | 5.7% | 27.8% | ||
| Q2 25 | 5.3% | 28.5% | ||
| Q1 25 | 5.0% | 26.7% | ||
| Q4 24 | 5.1% | 23.5% | ||
| Q3 24 | 6.2% | 22.4% | ||
| Q2 24 | 4.7% | 25.0% | ||
| Q1 24 | 3.9% | 23.0% |
| Q4 25 | $0.16 | $2.62 | ||
| Q3 25 | $0.14 | $2.92 | ||
| Q2 25 | $0.11 | $2.97 | ||
| Q1 25 | $0.11 | $2.60 | ||
| Q4 24 | $0.11 | $2.38 | ||
| Q3 24 | $0.11 | $2.35 | ||
| Q2 24 | $0.07 | $2.42 | ||
| Q1 24 | $0.06 | $2.17 |
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 | $233.5M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $560.4M | $1.4B |
| Total Assets | $667.9M | $9.8B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $320.9M | $233.5M | ||
| Q3 25 | $287.9M | $218.9M | ||
| Q2 25 | $266.4M | $193.1M | ||
| Q1 25 | $245.8M | $237.6M | ||
| Q4 24 | $205.9M | $160.6M | ||
| Q3 24 | $187.5M | $201.7M | ||
| Q2 24 | $188.8M | $261.5M | ||
| Q1 24 | $180.1M | $306.1M |
| Q4 25 | $560.4M | $1.4B | ||
| Q3 25 | $537.4M | $1.3B | ||
| Q2 25 | $516.7M | $1.3B | ||
| Q1 25 | $500.4M | $1.3B | ||
| Q4 24 | $485.6M | $1.2B | ||
| Q3 24 | $468.8M | $1.2B | ||
| Q2 24 | $451.6M | $1.2B | ||
| Q1 24 | $439.4M | $1.2B |
| Q4 25 | $667.9M | $9.8B | ||
| Q3 25 | $644.4M | $9.9B | ||
| Q2 25 | $609.5M | $9.9B | ||
| Q1 25 | $590.9M | $9.9B | ||
| Q4 24 | $576.2M | $9.8B | ||
| Q3 24 | $552.9M | $9.9B | ||
| Q2 24 | $527.7M | $9.9B | ||
| Q1 24 | $514.0M | $9.9B |
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 | $198.3M |
| Free Cash FlowOCF − Capex | $45.0M | $191.9M |
| FCF MarginFCF / Revenue | 13.6% | 114.1% |
| Capex IntensityCapex / Revenue | 0.0% | 3.8% |
| Cash ConversionOCF / Net Profit | 2.18× | 4.65× |
| TTM Free Cash FlowTrailing 4 quarters | $161.8M | $328.2M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $45.1M | $198.3M | ||
| Q3 25 | $35.1M | $52.6M | ||
| Q2 25 | $31.5M | $49.7M | ||
| Q1 25 | $50.4M | $37.9M | ||
| Q4 24 | $27.9M | $178.8M | ||
| Q3 24 | $6.7M | $43.8M | ||
| Q2 24 | $18.0M | $50.9M | ||
| Q1 24 | $11.0M | $35.0M |
| Q4 25 | $45.0M | $191.9M | ||
| Q3 25 | $35.0M | $51.1M | ||
| Q2 25 | $31.4M | $48.4M | ||
| Q1 25 | $50.4M | $36.8M | ||
| Q4 24 | $27.8M | $169.7M | ||
| Q3 24 | $6.7M | $41.7M | ||
| Q2 24 | $17.8M | $49.0M | ||
| Q1 24 | $10.8M | $31.9M |
| Q4 25 | 13.6% | 114.1% | ||
| Q3 25 | 11.3% | 30.1% | ||
| Q2 25 | 11.2% | 28.7% | ||
| Q1 25 | 18.3% | 23.3% | ||
| Q4 24 | 10.8% | 103.0% | ||
| Q3 24 | 2.9% | 24.5% | ||
| Q2 24 | 9.0% | 31.1% | ||
| Q1 24 | 5.9% | 20.8% |
| Q4 25 | 0.0% | 3.8% | ||
| Q3 25 | 0.0% | 0.9% | ||
| Q2 25 | 0.0% | 0.8% | ||
| Q1 25 | 0.0% | 0.7% | ||
| Q4 24 | 0.0% | 5.6% | ||
| Q3 24 | 0.0% | 1.2% | ||
| Q2 24 | 0.1% | 1.2% | ||
| Q1 24 | 0.1% | 2.1% |
| Q4 25 | 2.18× | 4.65× | ||
| Q3 25 | 1.98× | 1.11× | ||
| Q2 25 | 2.14× | 1.03× | ||
| Q1 25 | 3.65× | 0.90× | ||
| Q4 24 | 2.12× | 4.63× | ||
| Q3 24 | 0.47× | 1.14× | ||
| Q2 24 | 1.93× | 1.29× | ||
| Q1 24 | 1.52× | 0.99× |
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% |
PRK
Segment breakdown not available.
