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Side-by-side financial comparison of Paymentus Holdings, Inc. (PAY) and LiveRamp Holdings, Inc. (RAMP). Click either name above to swap in a different company.
Paymentus Holdings, Inc. is the larger business by last-quarter revenue ($330.5M vs $212.2M, roughly 1.6× LiveRamp Holdings, Inc.). LiveRamp Holdings, Inc. runs the higher net margin — 18.8% vs 6.3%, a 12.5% gap on every dollar of revenue. On growth, Paymentus Holdings, Inc. posted the faster year-over-year revenue change (28.1% vs 8.6%). 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.
LiveRamp Holdings, Inc., is an American SaaS company that offers a data connectivity platform whose services include data onboarding, the transfer of offline data online for marketing purposes.
PAY vs RAMP — Head-to-Head
Income Statement — Q4 FY2025 vs Q3 FY2026
| Metric | | |
|---|---|---|
| Revenue | $330.5M | $212.2M |
| Net Profit | $20.7M | $39.9M |
| Gross Margin | 25.4% | 71.9% |
| Operating Margin | 7.3% | 18.6% |
| Net Margin | 6.3% | 18.8% |
| Revenue YoY | 28.1% | 8.6% |
| Net Profit YoY | 57.2% | 255.7% |
| EPS (diluted) | $0.16 | $0.62 |
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 | $212.2M | ||
| Q3 25 | $310.7M | $199.8M | ||
| Q2 25 | $280.1M | $194.8M | ||
| Q1 25 | $275.2M | $188.7M | ||
| Q4 24 | $257.9M | $195.4M | ||
| Q3 24 | $231.6M | $185.5M | ||
| Q2 24 | $197.4M | $176.0M | ||
| Q1 24 | $184.9M | $171.9M |
| Q4 25 | $20.7M | $39.9M | ||
| Q3 25 | $17.7M | $27.4M | ||
| Q2 25 | $14.7M | $7.7M | ||
| Q1 25 | $13.8M | $-6.3M | ||
| Q4 24 | $13.1M | $11.2M | ||
| Q3 24 | $14.4M | $1.7M | ||
| Q2 24 | $9.4M | $-7.5M | ||
| Q1 24 | $7.2M | $-5.4M |
| Q4 25 | 25.4% | 71.9% | ||
| Q3 25 | 24.1% | 70.2% | ||
| Q2 25 | 25.5% | 70.1% | ||
| Q1 25 | 24.0% | 69.3% | ||
| Q4 24 | 25.6% | 71.9% | ||
| Q3 24 | 26.2% | 72.4% | ||
| Q2 24 | 29.8% | 70.6% | ||
| Q1 24 | 28.5% | 72.2% |
| Q4 25 | 7.3% | 18.6% | ||
| Q3 25 | 6.4% | 10.7% | ||
| Q2 25 | 5.7% | 3.7% | ||
| Q1 25 | 5.7% | -6.1% | ||
| Q4 24 | 5.5% | 7.5% | ||
| Q3 24 | 5.2% | 4.0% | ||
| Q2 24 | 5.2% | -3.0% | ||
| Q1 24 | 4.5% | -8.3% |
| Q4 25 | 6.3% | 18.8% | ||
| Q3 25 | 5.7% | 13.7% | ||
| Q2 25 | 5.3% | 4.0% | ||
| Q1 25 | 5.0% | -3.3% | ||
| Q4 24 | 5.1% | 5.7% | ||
| Q3 24 | 6.2% | 0.9% | ||
| Q2 24 | 4.7% | -4.3% | ||
| Q1 24 | 3.9% | -3.1% |
| Q4 25 | $0.16 | $0.62 | ||
| Q3 25 | $0.14 | $0.42 | ||
| Q2 25 | $0.11 | $0.12 | ||
| Q1 25 | $0.11 | $-0.10 | ||
| Q4 24 | $0.11 | $0.17 | ||
| Q3 24 | $0.11 | $0.03 | ||
| Q2 24 | $0.07 | $-0.11 | ||
| Q1 24 | $0.06 | $-0.09 |
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 | $403.4M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $560.4M | $962.3M |
| Total Assets | $667.9M | $1.3B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $320.9M | $403.4M | ||
| Q3 25 | $287.9M | $376.9M | ||
| Q2 25 | $266.4M | $371.1M | ||
| Q1 25 | $245.8M | $420.8M | ||
| Q4 24 | $205.9M | $384.3M | ||
| Q3 24 | $187.5M | $348.4M | ||
| Q2 24 | $188.8M | $342.7M | ||
| Q1 24 | $180.1M | $368.9M |
| Q4 25 | $560.4M | $962.3M | ||
| Q3 25 | $537.4M | $943.8M | ||
| Q2 25 | $516.7M | $947.8M | ||
| Q1 25 | $500.4M | $948.9M | ||
| Q4 24 | $485.6M | $957.7M | ||
| Q3 24 | $468.8M | $932.1M | ||
| Q2 24 | $451.6M | $951.9M | ||
| Q1 24 | $439.4M | $949.1M |
| Q4 25 | $667.9M | $1.3B | ||
| Q3 25 | $644.4M | $1.2B | ||
| Q2 25 | $609.5M | $1.2B | ||
| Q1 25 | $590.9M | $1.3B | ||
| Q4 24 | $576.2M | $1.3B | ||
| Q3 24 | $552.9M | $1.2B | ||
| Q2 24 | $527.7M | $1.2B | ||
| Q1 24 | $514.0M | $1.2B |
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% | 0.1% |
| Cash ConversionOCF / Net Profit | 2.18× | — |
| TTM Free Cash FlowTrailing 4 quarters | $161.8M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $45.1M | — | ||
| Q3 25 | $35.1M | $57.4M | ||
| Q2 25 | $31.5M | $-15.8M | ||
| Q1 25 | $50.4M | — | ||
| Q4 24 | $27.9M | $45.1M | ||
| Q3 24 | $6.7M | $55.6M | ||
| Q2 24 | $18.0M | $-9.3M | ||
| Q1 24 | $11.0M | — |
| Q4 25 | $45.0M | — | ||
| Q3 25 | $35.0M | $56.8M | ||
| Q2 25 | $31.4M | $-16.2M | ||
| Q1 25 | $50.4M | — | ||
| Q4 24 | $27.8M | $44.8M | ||
| Q3 24 | $6.7M | $55.4M | ||
| Q2 24 | $17.8M | $-9.6M | ||
| Q1 24 | $10.8M | — |
| Q4 25 | 13.6% | — | ||
| Q3 25 | 11.3% | 28.4% | ||
| Q2 25 | 11.2% | -8.3% | ||
| Q1 25 | 18.3% | — | ||
| Q4 24 | 10.8% | 22.9% | ||
| Q3 24 | 2.9% | 29.8% | ||
| Q2 24 | 9.0% | -5.4% | ||
| Q1 24 | 5.9% | — |
| Q4 25 | 0.0% | 0.1% | ||
| Q3 25 | 0.0% | 0.3% | ||
| Q2 25 | 0.0% | 0.2% | ||
| Q1 25 | 0.0% | 0.2% | ||
| Q4 24 | 0.0% | 0.1% | ||
| Q3 24 | 0.0% | 0.1% | ||
| Q2 24 | 0.1% | 0.1% | ||
| Q1 24 | 0.1% | 1.0% |
| Q4 25 | 2.18× | — | ||
| Q3 25 | 1.98× | 2.09× | ||
| Q2 25 | 2.14× | -2.04× | ||
| Q1 25 | 3.65× | — | ||
| Q4 24 | 2.12× | 4.02× | ||
| Q3 24 | 0.47× | 32.10× | ||
| Q2 24 | 1.93× | — | ||
| 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% |
RAMP
Segment breakdown not available.
