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Side-by-side financial comparison of Paymentus Holdings, Inc. (PAY) and TOMPKINS FINANCIAL CORP (TMP). Click either name above to swap in a different company.
Paymentus Holdings, Inc. is the larger business by last-quarter revenue ($330.5M vs $194.8M, roughly 1.7× TOMPKINS FINANCIAL CORP). TOMPKINS FINANCIAL CORP runs the higher net margin — 49.4% vs 6.3%, a 43.1% gap on every dollar of revenue. On growth, TOMPKINS FINANCIAL CORP posted the faster year-over-year revenue change (152.7% vs 28.1%). Paymentus Holdings, Inc. produced more free cash flow last quarter ($45.0M vs $31.9M). Over the past eight quarters, TOMPKINS FINANCIAL CORP's revenue compounded faster (63.6% CAGR vs 33.7%).
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.
Tompkins Financial Corporation is a small, diversified financial services company based in Ithaca, New York. It is the parent of the Tompkins Trust Company, as well as several other banks, an insurance agency, and a wealth management division.
PAY vs TMP — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $330.5M | $194.8M |
| Net Profit | $20.7M | $96.2M |
| Gross Margin | 25.4% | — |
| Operating Margin | 7.3% | 71.7% |
| Net Margin | 6.3% | 49.4% |
| Revenue YoY | 28.1% | 152.7% |
| Net Profit YoY | 57.2% | 388.9% |
| EPS (diluted) | $0.16 | $6.72 |
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 | $194.8M | ||
| Q3 25 | $310.7M | $87.4M | ||
| Q2 25 | $280.1M | $82.6M | ||
| Q1 25 | $275.2M | $81.7M | ||
| Q4 24 | $257.9M | $77.1M | ||
| Q3 24 | $231.6M | $76.6M | ||
| Q2 24 | $197.4M | $72.7M | ||
| Q1 24 | $184.9M | $72.8M |
| Q4 25 | $20.7M | $96.2M | ||
| Q3 25 | $17.7M | $23.7M | ||
| Q2 25 | $14.7M | $21.5M | ||
| Q1 25 | $13.8M | $19.7M | ||
| Q4 24 | $13.1M | $19.7M | ||
| Q3 24 | $14.4M | $18.6M | ||
| Q2 24 | $9.4M | $15.7M | ||
| Q1 24 | $7.2M | $16.9M |
| 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% | 71.7% | ||
| Q3 25 | 6.4% | 35.6% | ||
| Q2 25 | 5.7% | 34.2% | ||
| Q1 25 | 5.7% | 31.6% | ||
| Q4 24 | 5.5% | 33.4% | ||
| Q3 24 | 5.2% | 32.0% | ||
| Q2 24 | 5.2% | 28.3% | ||
| Q1 24 | 4.5% | 30.4% |
| Q4 25 | 6.3% | 49.4% | ||
| Q3 25 | 5.7% | 27.1% | ||
| Q2 25 | 5.3% | 26.0% | ||
| Q1 25 | 5.0% | 24.1% | ||
| Q4 24 | 5.1% | 25.5% | ||
| Q3 24 | 6.2% | 24.3% | ||
| Q2 24 | 4.7% | 21.6% | ||
| Q1 24 | 3.9% | 23.2% |
| Q4 25 | $0.16 | $6.72 | ||
| Q3 25 | $0.14 | $1.65 | ||
| Q2 25 | $0.11 | $1.50 | ||
| Q1 25 | $0.11 | $1.37 | ||
| Q4 24 | $0.11 | $1.39 | ||
| Q3 24 | $0.11 | $1.30 | ||
| Q2 24 | $0.07 | $1.10 | ||
| Q1 24 | $0.06 | $1.18 |
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 | $132.8M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $560.4M | $938.4M |
| Total Assets | $667.9M | $8.7B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $320.9M | $132.8M | ||
| Q3 25 | $287.9M | $193.5M | ||
| Q2 25 | $266.4M | $212.6M | ||
| Q1 25 | $245.8M | $193.1M | ||
| Q4 24 | $205.9M | $134.4M | ||
| Q3 24 | $187.5M | $132.3M | ||
| Q2 24 | $188.8M | $70.9M | ||
| Q1 24 | $180.1M | $57.1M |
| Q4 25 | $560.4M | $938.4M | ||
| Q3 25 | $537.4M | $788.8M | ||
| Q2 25 | $516.7M | $761.8M | ||
| Q1 25 | $500.4M | $741.4M | ||
| Q4 24 | $485.6M | $713.4M | ||
| Q3 24 | $468.8M | $719.9M | ||
| Q2 24 | $451.6M | $674.6M | ||
| Q1 24 | $439.4M | $667.9M |
| Q4 25 | $667.9M | $8.7B | ||
| Q3 25 | $644.4M | $8.5B | ||
| Q2 25 | $609.5M | $8.4B | ||
| Q1 25 | $590.9M | $8.2B | ||
| Q4 24 | $576.2M | $8.1B | ||
| Q3 24 | $552.9M | $8.0B | ||
| Q2 24 | $527.7M | $7.9B | ||
| Q1 24 | $514.0M | $7.8B |
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 | $38.9M |
| Free Cash FlowOCF − Capex | $45.0M | $31.9M |
| FCF MarginFCF / Revenue | 13.6% | 16.4% |
| Capex IntensityCapex / Revenue | 0.0% | 3.6% |
| Cash ConversionOCF / Net Profit | 2.18× | 0.40× |
| TTM Free Cash FlowTrailing 4 quarters | $161.8M | $105.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $45.1M | $38.9M | ||
| Q3 25 | $35.1M | $34.9M | ||
| Q2 25 | $31.5M | $18.9M | ||
| Q1 25 | $50.4M | $22.2M | ||
| Q4 24 | $27.9M | $95.0M | ||
| Q3 24 | $6.7M | $21.2M | ||
| Q2 24 | $18.0M | $27.3M | ||
| Q1 24 | $11.0M | $23.2M |
| Q4 25 | $45.0M | $31.9M | ||
| Q3 25 | $35.0M | $33.9M | ||
| Q2 25 | $31.4M | $18.3M | ||
| Q1 25 | $50.4M | $20.9M | ||
| Q4 24 | $27.8M | $88.8M | ||
| Q3 24 | $6.7M | $18.9M | ||
| Q2 24 | $17.8M | $26.3M | ||
| Q1 24 | $10.8M | $21.9M |
| Q4 25 | 13.6% | 16.4% | ||
| Q3 25 | 11.3% | 38.8% | ||
| Q2 25 | 11.2% | 22.1% | ||
| Q1 25 | 18.3% | 25.5% | ||
| Q4 24 | 10.8% | 115.1% | ||
| Q3 24 | 2.9% | 24.7% | ||
| Q2 24 | 9.0% | 36.2% | ||
| Q1 24 | 5.9% | 30.0% |
| Q4 25 | 0.0% | 3.6% | ||
| Q3 25 | 0.0% | 1.1% | ||
| Q2 25 | 0.0% | 0.8% | ||
| Q1 25 | 0.0% | 1.7% | ||
| Q4 24 | 0.0% | 8.1% | ||
| Q3 24 | 0.0% | 2.9% | ||
| Q2 24 | 0.1% | 1.3% | ||
| Q1 24 | 0.1% | 1.9% |
| Q4 25 | 2.18× | 0.40× | ||
| Q3 25 | 1.98× | 1.47× | ||
| Q2 25 | 2.14× | 0.88× | ||
| Q1 25 | 3.65× | 1.13× | ||
| Q4 24 | 2.12× | 4.82× | ||
| Q3 24 | 0.47× | 1.14× | ||
| Q2 24 | 1.93× | 1.74× | ||
| Q1 24 | 1.52× | 1.38× |
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% |
TMP
Segment breakdown not available.
