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Side-by-side financial comparison of Paymentus Holdings, Inc. (PAY) and BRC Group Holdings, Inc. (RILY). Click either name above to swap in a different company.
Paymentus Holdings, Inc. is the larger business by last-quarter revenue ($330.5M vs $188.3M, roughly 1.8× BRC Group Holdings, Inc.). BRC Group Holdings, Inc. runs the higher net margin — 47.9% vs 6.3%, a 41.7% gap on every dollar of revenue. On growth, Paymentus Holdings, Inc. posted the faster year-over-year revenue change (28.1% vs -21.9%). Over the past eight quarters, Paymentus Holdings, Inc.'s revenue compounded faster (33.7% CAGR vs -15.4%).
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.
PAY vs RILY — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $330.5M | $188.3M |
| Net Profit | $20.7M | $90.3M |
| Gross Margin | 25.4% | 79.5% |
| Operating Margin | 7.3% | 32.3% |
| Net Margin | 6.3% | 47.9% |
| Revenue YoY | 28.1% | -21.9% |
| Net Profit YoY | 57.2% | 1710.8% |
| EPS (diluted) | $0.16 | $2.78 |
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 | $188.3M | ||
| Q3 25 | $310.7M | $215.3M | ||
| Q2 25 | $280.1M | $188.2M | ||
| Q1 25 | $275.2M | $197.2M | ||
| Q4 24 | $257.9M | $241.0M | ||
| Q3 24 | $231.6M | $225.5M | ||
| Q2 24 | $197.4M | $256.0M | ||
| Q1 24 | $184.9M | $263.4M |
| Q4 25 | $20.7M | $90.3M | ||
| Q3 25 | $17.7M | $91.1M | ||
| Q2 25 | $14.7M | $139.5M | ||
| Q1 25 | $13.8M | $-10.0M | ||
| Q4 24 | $13.1M | $-5.6M | ||
| Q3 24 | $14.4M | $-284.4M | ||
| Q2 24 | $9.4M | $-433.6M | ||
| Q1 24 | $7.2M | $-49.2M |
| Q4 25 | 25.4% | 79.5% | ||
| Q3 25 | 24.1% | 83.7% | ||
| Q2 25 | 25.5% | 81.3% | ||
| Q1 25 | 24.0% | 81.4% | ||
| Q4 24 | 25.6% | 79.8% | ||
| Q3 24 | 26.2% | 82.1% | ||
| Q2 24 | 29.8% | 84.5% | ||
| Q1 24 | 28.5% | 85.3% |
| Q4 25 | 7.3% | 32.3% | ||
| Q3 25 | 6.4% | 30.4% | ||
| Q2 25 | 5.7% | 5.7% | ||
| Q1 25 | 5.7% | -31.2% | ||
| Q4 24 | 5.5% | -69.2% | ||
| Q3 24 | 5.2% | -36.4% | ||
| Q2 24 | 5.2% | -90.8% | ||
| Q1 24 | 4.5% | -6.1% |
| Q4 25 | 6.3% | 47.9% | ||
| Q3 25 | 5.7% | 42.3% | ||
| Q2 25 | 5.3% | 74.1% | ||
| Q1 25 | 5.0% | -5.1% | ||
| Q4 24 | 5.1% | -2.3% | ||
| Q3 24 | 6.2% | -126.1% | ||
| Q2 24 | 4.7% | -169.4% | ||
| Q1 24 | 3.9% | -18.7% |
| Q4 25 | $0.16 | $2.78 | ||
| Q3 25 | $0.14 | $2.91 | ||
| Q2 25 | $0.11 | $4.50 | ||
| Q1 25 | $0.11 | $-0.39 | ||
| Q4 24 | $0.11 | $-0.01 | ||
| Q3 24 | $0.11 | $-9.39 | ||
| Q2 24 | $0.07 | $-14.35 | ||
| Q1 24 | $0.06 | $-1.71 |
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 | $226.6M |
| Total DebtLower is stronger | — | $1.4B |
| Stockholders' EquityBook value | $560.4M | $-171.5M |
| Total Assets | $667.9M | $1.7B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $320.9M | $226.6M | ||
| Q3 25 | $287.9M | $184.2M | ||
| Q2 25 | $266.4M | $267.4M | ||
| Q1 25 | $245.8M | $138.3M | ||
| Q4 24 | $205.9M | $146.9M | ||
| Q3 24 | $187.5M | $159.2M | ||
| Q2 24 | $188.8M | $236.9M | ||
| Q1 24 | $180.1M | $190.7M |
| Q4 25 | — | $1.4B | ||
| Q3 25 | — | $1.3B | ||
| Q2 25 | — | $1.3B | ||
| Q1 25 | — | $1.4B | ||
| Q4 24 | — | $1.5B | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $560.4M | $-171.5M | ||
| Q3 25 | $537.4M | $-260.5M | ||
| Q2 25 | $516.7M | $-351.7M | ||
| Q1 25 | $500.4M | $-496.8M | ||
| Q4 24 | $485.6M | $-488.2M | ||
| Q3 24 | $468.8M | $-497.6M | ||
| Q2 24 | $451.6M | $-218.3M | ||
| Q1 24 | $439.4M | $228.4M |
| Q4 25 | $667.9M | $1.7B | ||
| Q3 25 | $644.4M | $1.7B | ||
| Q2 25 | $609.5M | $1.5B | ||
| Q1 25 | $590.9M | $1.5B | ||
| Q4 24 | $576.2M | $1.8B | ||
| Q3 24 | $552.9M | $2.2B | ||
| Q2 24 | $527.7M | $3.2B | ||
| Q1 24 | $514.0M | $5.0B |
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 | $26.2M |
| Free Cash FlowOCF − Capex | $45.0M | — |
| FCF MarginFCF / Revenue | 13.6% | — |
| Capex IntensityCapex / Revenue | 0.0% | — |
| Cash ConversionOCF / Net Profit | 2.18× | 0.29× |
| TTM Free Cash FlowTrailing 4 quarters | $161.8M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $45.1M | $26.2M | ||
| Q3 25 | $35.1M | $-60.6M | ||
| Q2 25 | $31.5M | $-25.6M | ||
| Q1 25 | $50.4M | $184.0K | ||
| Q4 24 | $27.9M | $-2.7M | ||
| Q3 24 | $6.7M | $19.5M | ||
| Q2 24 | $18.0M | $111.5M | ||
| Q1 24 | $11.0M | $135.4M |
| Q4 25 | $45.0M | — | ||
| Q3 25 | $35.0M | — | ||
| Q2 25 | $31.4M | — | ||
| Q1 25 | $50.4M | — | ||
| Q4 24 | $27.8M | — | ||
| Q3 24 | $6.7M | — | ||
| Q2 24 | $17.8M | — | ||
| Q1 24 | $10.8M | — |
| Q4 25 | 13.6% | — | ||
| Q3 25 | 11.3% | — | ||
| Q2 25 | 11.2% | — | ||
| Q1 25 | 18.3% | — | ||
| Q4 24 | 10.8% | — | ||
| Q3 24 | 2.9% | — | ||
| Q2 24 | 9.0% | — | ||
| Q1 24 | 5.9% | — |
| Q4 25 | 0.0% | — | ||
| Q3 25 | 0.0% | — | ||
| Q2 25 | 0.0% | — | ||
| Q1 25 | 0.0% | — | ||
| Q4 24 | 0.0% | — | ||
| Q3 24 | 0.0% | — | ||
| Q2 24 | 0.1% | — | ||
| Q1 24 | 0.1% | — |
| Q4 25 | 2.18× | 0.29× | ||
| Q3 25 | 1.98× | -0.66× | ||
| Q2 25 | 2.14× | -0.18× | ||
| Q1 25 | 3.65× | — | ||
| Q4 24 | 2.12× | — | ||
| Q3 24 | 0.47× | — | ||
| 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% |
RILY
| Transferred At Point In Time | $101.4M | 54% |
| Wealth Management Segment | $30.7M | 16% |
| Corporate Finance Consulting And Investment Banking Fees | $27.1M | 14% |
| Services And Fees | $24.8M | 13% |
| Commissions Fees And Reimbursed Expenses | $4.8M | 3% |
