vs
Side-by-side financial comparison of Paymentus Holdings, Inc. (PAY) and SLM Corp (SLM). Click either name above to swap in a different company.
SLM Corp is the larger business by last-quarter revenue ($560.0M vs $330.5M, roughly 1.7× Paymentus Holdings, Inc.). SLM Corp runs the higher net margin — 55.0% vs 6.3%, a 48.7% gap on every dollar of revenue. Over the past eight quarters, Paymentus Holdings, Inc.'s revenue compounded faster (33.7% CAGR vs 22.7%).
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.
Nikon SLM Solutions AG, headquartered in Lübeck, Germany, is a manufacturer of 3D metal printers listed on the stock market and co-owner of the word mark SLM. The shares of SLM Solutions Group AG have been listed in Prime Standard of the Frankfurt Stock Exchange since May 9, 2014.
PAY vs SLM — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $330.5M | $560.0M |
| Net Profit | $20.7M | $308.0M |
| Gross Margin | 25.4% | — |
| Operating Margin | 7.3% | 69.6% |
| Net Margin | 6.3% | 55.0% |
| Revenue YoY | 28.1% | — |
| Net Profit YoY | 57.2% | 1.0% |
| EPS (diluted) | $0.16 | $1.54 |
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 | — | $560.0M | ||
| Q4 25 | $330.5M | $377.1M | ||
| Q3 25 | $310.7M | $373.0M | ||
| Q2 25 | $280.1M | $376.8M | ||
| Q1 25 | $275.2M | $375.0M | ||
| Q4 24 | $257.9M | $362.2M | ||
| Q3 24 | $231.6M | $359.4M | ||
| Q2 24 | $197.4M | $372.2M |
| Q1 26 | — | $308.0M | ||
| Q4 25 | $20.7M | $233.2M | ||
| Q3 25 | $17.7M | $135.8M | ||
| Q2 25 | $14.7M | $71.3M | ||
| Q1 25 | $13.8M | $304.5M | ||
| Q4 24 | $13.1M | $111.6M | ||
| Q3 24 | $14.4M | $-45.2M | ||
| Q2 24 | $9.4M | $252.0M |
| 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 | — | 69.6% | ||
| Q4 25 | 7.3% | 83.8% | ||
| Q3 25 | 6.4% | 49.8% | ||
| Q2 25 | 5.7% | 23.3% | ||
| Q1 25 | 5.7% | — | ||
| Q4 24 | 5.5% | 36.5% | ||
| Q3 24 | 5.2% | -16.6% | ||
| Q2 24 | 5.2% | 91.0% |
| Q1 26 | — | 55.0% | ||
| Q4 25 | 6.3% | 61.8% | ||
| Q3 25 | 5.7% | 36.4% | ||
| Q2 25 | 5.3% | 18.9% | ||
| Q1 25 | 5.0% | 81.2% | ||
| Q4 24 | 5.1% | 30.8% | ||
| Q3 24 | 6.2% | -12.6% | ||
| Q2 24 | 4.7% | 67.7% |
| Q1 26 | — | $1.54 | ||
| Q4 25 | $0.16 | $1.11 | ||
| Q3 25 | $0.14 | $0.63 | ||
| Q2 25 | $0.11 | $0.32 | ||
| Q1 25 | $0.11 | $1.40 | ||
| Q4 24 | $0.11 | $0.53 | ||
| Q3 24 | $0.11 | $-0.23 | ||
| Q2 24 | $0.07 | $1.11 |
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 | $5.2B |
| Total DebtLower is stronger | — | $6.2B |
| Stockholders' EquityBook value | $560.4M | $2.4B |
| Total Assets | $667.9M | $29.4B |
| Debt / EquityLower = less leverage | — | 2.53× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $5.2B | ||
| Q4 25 | $320.9M | $4.2B | ||
| Q3 25 | $287.9M | $3.5B | ||
| Q2 25 | $266.4M | $4.1B | ||
| Q1 25 | $245.8M | $3.7B | ||
| Q4 24 | $205.9M | $4.7B | ||
| Q3 24 | $187.5M | $4.5B | ||
| Q2 24 | $188.8M | $5.3B |
| Q1 26 | — | $6.2B | ||
| Q4 25 | — | $5.4B | ||
| Q3 25 | — | $6.8B | ||
| Q2 25 | — | $6.4B | ||
| Q1 25 | — | $6.1B | ||
| Q4 24 | — | $6.4B | ||
| Q3 24 | — | $6.0B | ||
| Q2 24 | — | $5.4B |
| Q1 26 | — | $2.4B | ||
| Q4 25 | $560.4M | $2.5B | ||
| Q3 25 | $537.4M | $2.3B | ||
| Q2 25 | $516.7M | $2.4B | ||
| Q1 25 | $500.4M | $2.4B | ||
| Q4 24 | $485.6M | $2.2B | ||
| Q3 24 | $468.8M | $2.1B | ||
| Q2 24 | $451.6M | $2.3B |
| Q1 26 | — | $29.4B | ||
| Q4 25 | $667.9M | $29.7B | ||
| Q3 25 | $644.4M | $29.6B | ||
| Q2 25 | $609.5M | $29.6B | ||
| Q1 25 | $590.9M | $28.9B | ||
| Q4 24 | $576.2M | $30.1B | ||
| Q3 24 | $552.9M | $30.0B | ||
| Q2 24 | $527.7M | $28.8B |
| Q1 26 | — | 2.53× | ||
| Q4 25 | — | 2.19× | ||
| Q3 25 | — | 2.92× | ||
| Q2 25 | — | 2.70× | ||
| Q1 25 | — | 2.56× | ||
| Q4 24 | — | 2.98× | ||
| Q3 24 | — | 2.83× | ||
| Q2 24 | — | 2.37× |
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 | $-64.5M | ||
| Q3 25 | $35.1M | $-49.3M | ||
| Q2 25 | $31.5M | $-138.7M | ||
| Q1 25 | $50.4M | $-146.1M | ||
| Q4 24 | $27.9M | $4.5M | ||
| Q3 24 | $6.7M | $-113.4M | ||
| Q2 24 | $18.0M | $-143.8M |
| Q1 26 | — | — | ||
| 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 26 | — | — | ||
| 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 26 | — | — | ||
| 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 26 | — | — | ||
| Q4 25 | 2.18× | -0.28× | ||
| Q3 25 | 1.98× | -0.36× | ||
| Q2 25 | 2.14× | -1.95× | ||
| Q1 25 | 3.65× | -0.48× | ||
| Q4 24 | 2.12× | 0.04× | ||
| Q3 24 | 0.47× | — | ||
| Q2 24 | 1.93× | -0.57× |
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% |
SLM
| Net Interest Income | $375.0M | 67% |
| Noninterest Income | $185.0M | 33% |
