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Side-by-side financial comparison of Paymentus Holdings, Inc. (PAY) and Tecnoglass Inc. (TGLS). Click either name above to swap in a different company.
Paymentus Holdings, Inc. is the larger business by last-quarter revenue ($330.5M vs $245.3M, roughly 1.3× Tecnoglass Inc.). Tecnoglass Inc. runs the higher net margin — 10.6% vs 6.3%, a 4.4% gap on every dollar of revenue. On growth, Paymentus Holdings, Inc. posted the faster year-over-year revenue change (28.1% vs 2.4%). Paymentus Holdings, Inc. produced more free cash flow last quarter ($45.0M vs $11.4M). Over the past eight quarters, Paymentus Holdings, Inc.'s revenue compounded faster (33.7% CAGR vs 12.8%).
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.
Tecnoglass Inc. is a leading manufacturer of high-performance architectural glass, aluminum windows, doors, and associated building components. It primarily caters to residential and commercial construction sectors across North America and Latin America, offering custom, energy-efficient solutions for new construction and renovation projects.
PAY vs TGLS — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $330.5M | $245.3M |
| Net Profit | $20.7M | $26.1M |
| Gross Margin | 25.4% | 40.0% |
| Operating Margin | 7.3% | 18.3% |
| Net Margin | 6.3% | 10.6% |
| Revenue YoY | 28.1% | 2.4% |
| Net Profit YoY | 57.2% | -44.5% |
| EPS (diluted) | $0.16 | $0.57 |
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 | $245.3M | ||
| Q3 25 | $310.7M | $260.5M | ||
| Q2 25 | $280.1M | $255.5M | ||
| Q1 25 | $275.2M | $222.3M | ||
| Q4 24 | $257.9M | $239.6M | ||
| Q3 24 | $231.6M | $238.3M | ||
| Q2 24 | $197.4M | $219.7M | ||
| Q1 24 | $184.9M | $192.6M |
| Q4 25 | $20.7M | $26.1M | ||
| Q3 25 | $17.7M | $47.2M | ||
| Q2 25 | $14.7M | $44.1M | ||
| Q1 25 | $13.8M | $42.2M | ||
| Q4 24 | $13.1M | $47.0M | ||
| Q3 24 | $14.4M | $49.5M | ||
| Q2 24 | $9.4M | $35.0M | ||
| Q1 24 | $7.2M | $29.7M |
| Q4 25 | 25.4% | 40.0% | ||
| Q3 25 | 24.1% | 42.7% | ||
| Q2 25 | 25.5% | 44.7% | ||
| Q1 25 | 24.0% | 43.9% | ||
| Q4 24 | 25.6% | 44.5% | ||
| Q3 24 | 26.2% | 45.8% | ||
| Q2 24 | 29.8% | 40.8% | ||
| Q1 24 | 28.5% | 38.8% |
| Q4 25 | 7.3% | 18.3% | ||
| Q3 25 | 6.4% | 25.1% | ||
| Q2 25 | 5.7% | 24.0% | ||
| Q1 25 | 5.7% | 26.7% | ||
| Q4 24 | 5.5% | 28.0% | ||
| Q3 24 | 5.2% | 28.4% | ||
| Q2 24 | 5.2% | 23.3% | ||
| Q1 24 | 4.5% | 21.3% |
| Q4 25 | 6.3% | 10.6% | ||
| Q3 25 | 5.7% | 18.1% | ||
| Q2 25 | 5.3% | 17.3% | ||
| Q1 25 | 5.0% | 19.0% | ||
| Q4 24 | 5.1% | 19.6% | ||
| Q3 24 | 6.2% | 20.8% | ||
| Q2 24 | 4.7% | 15.9% | ||
| Q1 24 | 3.9% | 15.4% |
| Q4 25 | $0.16 | $0.57 | ||
| Q3 25 | $0.14 | $1.01 | ||
| Q2 25 | $0.11 | $0.94 | ||
| Q1 25 | $0.11 | $0.90 | ||
| Q4 24 | $0.11 | $1.00 | ||
| Q3 24 | $0.11 | $1.05 | ||
| Q2 24 | $0.07 | $0.75 | ||
| Q1 24 | $0.06 | $0.63 |
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 | $104.1M |
| Total DebtLower is stronger | — | $174.4M |
| Stockholders' EquityBook value | $560.4M | $713.1M |
| Total Assets | $667.9M | $1.3B |
| Debt / EquityLower = less leverage | — | 0.24× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $320.9M | $104.1M | ||
| Q3 25 | $287.9M | $127.1M | ||
| Q2 25 | $266.4M | $140.9M | ||
| Q1 25 | $245.8M | $160.2M | ||
| Q4 24 | $205.9M | $137.5M | ||
| Q3 24 | $187.5M | $124.8M | ||
| Q2 24 | $188.8M | $129.5M | ||
| Q1 24 | $180.1M | $138.8M |
| Q4 25 | — | $174.4M | ||
| Q3 25 | — | $114.7M | ||
| Q2 25 | — | $110.6M | ||
| Q1 25 | — | $110.6M | ||
| Q4 24 | — | $111.1M | ||
| Q3 24 | — | $126.8M | ||
| Q2 24 | — | $144.7M | ||
| Q1 24 | — | $160.9M |
| Q4 25 | $560.4M | $713.1M | ||
| Q3 25 | $537.4M | $764.0M | ||
| Q2 25 | $516.7M | $736.0M | ||
| Q1 25 | $500.4M | $685.1M | ||
| Q4 24 | $485.6M | $631.2M | ||
| Q3 24 | $468.8M | $613.3M | ||
| Q2 24 | $451.6M | $574.8M | ||
| Q1 24 | $439.4M | $573.6M |
| Q4 25 | $667.9M | $1.3B | ||
| Q3 25 | $644.4M | $1.2B | ||
| Q2 25 | $609.5M | $1.2B | ||
| Q1 25 | $590.9M | $1.1B | ||
| Q4 24 | $576.2M | $1.0B | ||
| Q3 24 | $552.9M | $996.3M | ||
| Q2 24 | $527.7M | $942.5M | ||
| Q1 24 | $514.0M | $981.6M |
| Q4 25 | — | 0.24× | ||
| Q3 25 | — | 0.15× | ||
| Q2 25 | — | 0.15× | ||
| Q1 25 | — | 0.16× | ||
| Q4 24 | — | 0.18× | ||
| Q3 24 | — | 0.21× | ||
| Q2 24 | — | 0.25× | ||
| Q1 24 | — | 0.28× |
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 | $31.0M |
| Free Cash FlowOCF − Capex | $45.0M | $11.4M |
| FCF MarginFCF / Revenue | 13.6% | 4.7% |
| Capex IntensityCapex / Revenue | 0.0% | 8.0% |
| Cash ConversionOCF / Net Profit | 2.18× | 1.19× |
| TTM Free Cash FlowTrailing 4 quarters | $161.8M | $34.5M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $45.1M | $31.0M | ||
| Q3 25 | $35.1M | $40.0M | ||
| Q2 25 | $31.5M | $17.9M | ||
| Q1 25 | $50.4M | $46.9M | ||
| Q4 24 | $27.9M | $61.1M | ||
| Q3 24 | $6.7M | $41.5M | ||
| Q2 24 | $18.0M | $34.5M | ||
| Q1 24 | $11.0M | $33.4M |
| Q4 25 | $45.0M | $11.4M | ||
| Q3 25 | $35.0M | $21.2M | ||
| Q2 25 | $31.4M | $-14.7M | ||
| Q1 25 | $50.4M | $16.5M | ||
| Q4 24 | $27.8M | $35.4M | ||
| Q3 24 | $6.7M | $17.8M | ||
| Q2 24 | $17.8M | $14.2M | ||
| Q1 24 | $10.8M | $23.6M |
| Q4 25 | 13.6% | 4.7% | ||
| Q3 25 | 11.3% | 8.2% | ||
| Q2 25 | 11.2% | -5.7% | ||
| Q1 25 | 18.3% | 7.4% | ||
| Q4 24 | 10.8% | 14.8% | ||
| Q3 24 | 2.9% | 7.5% | ||
| Q2 24 | 9.0% | 6.5% | ||
| Q1 24 | 5.9% | 12.2% |
| Q4 25 | 0.0% | 8.0% | ||
| Q3 25 | 0.0% | 7.2% | ||
| Q2 25 | 0.0% | 12.7% | ||
| Q1 25 | 0.0% | 13.7% | ||
| Q4 24 | 0.0% | 10.7% | ||
| Q3 24 | 0.0% | 9.9% | ||
| Q2 24 | 0.1% | 9.2% | ||
| Q1 24 | 0.1% | 5.1% |
| Q4 25 | 2.18× | 1.19× | ||
| Q3 25 | 1.98× | 0.85× | ||
| Q2 25 | 2.14× | 0.41× | ||
| Q1 25 | 3.65× | 1.11× | ||
| Q4 24 | 2.12× | 1.30× | ||
| Q3 24 | 0.47× | 0.84× | ||
| Q2 24 | 1.93× | 0.98× | ||
| Q1 24 | 1.52× | 1.13× |
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% |
TGLS
| Product Sales | $164.2M | 67% |
| Fixed Price Contracts | $81.1M | 33% |
| Related Party | $692.0K | 0% |
