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Side-by-side financial comparison of Paymentus Holdings, Inc. (PAY) and UNIVERSAL TECHNICAL INSTITUTE INC (UTI). Click either name above to swap in a different company.
Paymentus Holdings, Inc. is the larger business by last-quarter revenue ($330.5M vs $220.8M, roughly 1.5× UNIVERSAL TECHNICAL INSTITUTE INC). Paymentus Holdings, Inc. runs the higher net margin — 6.3% vs 5.8%, a 0.4% gap on every dollar of revenue. On growth, Paymentus Holdings, Inc. posted the faster year-over-year revenue change (28.1% vs 9.6%). Paymentus Holdings, Inc. produced more free cash flow last quarter ($45.0M vs $-19.2M). Over the past eight quarters, Paymentus Holdings, Inc.'s revenue compounded faster (33.7% CAGR vs 9.5%).
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.
Universal Technical Institute, Inc. (UTI) is a private for-profit system of technical colleges in the United States. It was established in 1965 by Robert Sweet.
PAY vs UTI — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $330.5M | $220.8M |
| Net Profit | $20.7M | $12.8M |
| Gross Margin | 25.4% | — |
| Operating Margin | 7.3% | 7.1% |
| Net Margin | 6.3% | 5.8% |
| Revenue YoY | 28.1% | 9.6% |
| Net Profit YoY | 57.2% | -42.1% |
| EPS (diluted) | $0.16 | $0.23 |
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 | $220.8M | ||
| Q3 25 | $310.7M | $222.4M | ||
| Q2 25 | $280.1M | $204.3M | ||
| Q1 25 | $275.2M | $207.4M | ||
| Q4 24 | $257.9M | $201.4M | ||
| Q3 24 | $231.6M | $196.4M | ||
| Q2 24 | $197.4M | $177.5M | ||
| Q1 24 | $184.9M | $184.2M |
| Q4 25 | $20.7M | $12.8M | ||
| Q3 25 | $17.7M | $18.8M | ||
| Q2 25 | $14.7M | $10.7M | ||
| Q1 25 | $13.8M | $11.4M | ||
| Q4 24 | $13.1M | $22.2M | ||
| Q3 24 | $14.4M | $18.8M | ||
| Q2 24 | $9.4M | $5.0M | ||
| Q1 24 | $7.2M | $7.8M |
| 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% | 7.1% | ||
| Q3 25 | 6.4% | 11.2% | ||
| Q2 25 | 5.7% | 6.9% | ||
| Q1 25 | 5.7% | 8.1% | ||
| Q4 24 | 5.5% | 13.6% | ||
| Q3 24 | 5.2% | 13.3% | ||
| Q2 24 | 5.2% | 4.2% | ||
| Q1 24 | 4.5% | 6.1% |
| Q4 25 | 6.3% | 5.8% | ||
| Q3 25 | 5.7% | 8.4% | ||
| Q2 25 | 5.3% | 5.2% | ||
| Q1 25 | 5.0% | 5.5% | ||
| Q4 24 | 5.1% | 11.0% | ||
| Q3 24 | 6.2% | 9.6% | ||
| Q2 24 | 4.7% | 2.8% | ||
| Q1 24 | 3.9% | 4.2% |
| Q4 25 | $0.16 | $0.23 | ||
| Q3 25 | $0.14 | $0.33 | ||
| Q2 25 | $0.11 | $0.19 | ||
| Q1 25 | $0.11 | $0.21 | ||
| Q4 24 | $0.11 | $0.40 | ||
| Q3 24 | $0.11 | $0.35 | ||
| Q2 24 | $0.07 | $0.09 | ||
| Q1 24 | $0.06 | $0.14 |
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 | $162.8M |
| Total DebtLower is stronger | — | $101.4M |
| Stockholders' EquityBook value | $560.4M | $335.9M |
| Total Assets | $667.9M | $834.0M |
| Debt / EquityLower = less leverage | — | 0.30× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $320.9M | $162.8M | ||
| Q3 25 | $287.9M | $169.1M | ||
| Q2 25 | $266.4M | $70.7M | ||
| Q1 25 | $245.8M | $96.0M | ||
| Q4 24 | $205.9M | $172.0M | ||
| Q3 24 | $187.5M | $161.9M | ||
| Q2 24 | $188.8M | $115.5M | ||
| Q1 24 | $180.1M | $116.1M |
| Q4 25 | — | $101.4M | ||
| Q3 25 | — | $87.1M | ||
| Q2 25 | — | $73.8M | ||
| Q1 25 | — | $94.4M | ||
| Q4 24 | — | $120.1M | ||
| Q3 24 | — | $125.7M | ||
| Q2 24 | — | $137.3M | ||
| Q1 24 | — | $141.9M |
| Q4 25 | $560.4M | $335.9M | ||
| Q3 25 | $537.4M | $328.1M | ||
| Q2 25 | $516.7M | $306.8M | ||
| Q1 25 | $500.4M | $293.9M | ||
| Q4 24 | $485.6M | $280.0M | ||
| Q3 24 | $468.8M | $260.2M | ||
| Q2 24 | $451.6M | $239.4M | ||
| Q1 24 | $439.4M | $232.6M |
| Q4 25 | $667.9M | $834.0M | ||
| Q3 25 | $644.4M | $826.1M | ||
| Q2 25 | $609.5M | $740.8M | ||
| Q1 25 | $590.9M | $720.4M | ||
| Q4 24 | $576.2M | $753.8M | ||
| Q3 24 | $552.9M | $744.6M | ||
| Q2 24 | $527.7M | $706.0M | ||
| Q1 24 | $514.0M | $702.1M |
| Q4 25 | — | 0.30× | ||
| Q3 25 | — | 0.27× | ||
| Q2 25 | — | 0.24× | ||
| Q1 25 | — | 0.32× | ||
| Q4 24 | — | 0.43× | ||
| Q3 24 | — | 0.48× | ||
| Q2 24 | — | 0.57× | ||
| Q1 24 | — | 0.61× |
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 | $3.1M |
| Free Cash FlowOCF − Capex | $45.0M | $-19.2M |
| FCF MarginFCF / Revenue | 13.6% | -8.7% |
| Capex IntensityCapex / Revenue | 0.0% | 10.1% |
| Cash ConversionOCF / Net Profit | 2.18× | 0.24× |
| TTM Free Cash FlowTrailing 4 quarters | $161.8M | $16.6M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $45.1M | $3.1M | ||
| Q3 25 | $35.1M | $57.1M | ||
| Q2 25 | $31.5M | $18.1M | ||
| Q1 25 | $50.4M | $-789.0K | ||
| Q4 24 | $27.9M | $23.0M | ||
| Q3 24 | $6.7M | $67.5M | ||
| Q2 24 | $18.0M | $10.0M | ||
| Q1 24 | $11.0M | $-2.5M |
| Q4 25 | $45.0M | $-19.2M | ||
| Q3 25 | $35.0M | $40.6M | ||
| Q2 25 | $31.4M | $6.8M | ||
| Q1 25 | $50.4M | $-11.7M | ||
| Q4 24 | $27.8M | $19.6M | ||
| Q3 24 | $6.7M | $60.0M | ||
| Q2 24 | $17.8M | $3.0M | ||
| Q1 24 | $10.8M | $-8.4M |
| Q4 25 | 13.6% | -8.7% | ||
| Q3 25 | 11.3% | 18.3% | ||
| Q2 25 | 11.2% | 3.4% | ||
| Q1 25 | 18.3% | -5.7% | ||
| Q4 24 | 10.8% | 9.7% | ||
| Q3 24 | 2.9% | 30.6% | ||
| Q2 24 | 9.0% | 1.7% | ||
| Q1 24 | 5.9% | -4.6% |
| Q4 25 | 0.0% | 10.1% | ||
| Q3 25 | 0.0% | 7.4% | ||
| Q2 25 | 0.0% | 5.5% | ||
| Q1 25 | 0.0% | 5.3% | ||
| Q4 24 | 0.0% | 1.7% | ||
| Q3 24 | 0.0% | 3.8% | ||
| Q2 24 | 0.1% | 4.0% | ||
| Q1 24 | 0.1% | 3.2% |
| Q4 25 | 2.18× | 0.24× | ||
| Q3 25 | 1.98× | 3.04× | ||
| Q2 25 | 2.14× | 1.69× | ||
| Q1 25 | 3.65× | -0.07× | ||
| Q4 24 | 2.12× | 1.04× | ||
| Q3 24 | 0.47× | 3.58× | ||
| Q2 24 | 1.93× | 2.01× | ||
| Q1 24 | 1.52× | -0.32× |
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% |
UTI
| UTI | $142.8M | 65% |
| Concorde | $78.0M | 35% |
