vs
Side-by-side financial comparison of Paymentus Holdings, Inc. (PAY) and Westrock Coffee Co (WEST). Click either name above to swap in a different company.
Westrock Coffee Co is the larger business by last-quarter revenue ($339.5M vs $330.5M, roughly 1.0× Paymentus Holdings, Inc.). Paymentus Holdings, Inc. runs the higher net margin — 6.3% vs -6.6%, a 12.9% gap on every dollar of revenue. On growth, Westrock Coffee Co posted the faster year-over-year revenue change (48.3% vs 28.1%). Paymentus Holdings, Inc. produced more free cash flow last quarter ($45.0M vs $27.8M). Over the past eight quarters, Paymentus Holdings, Inc.'s revenue compounded faster (33.7% CAGR vs 32.8%).
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.
Westrock Coffee Co is a global integrated coffee, tea and functional beverage solutions provider. It sources, roasts, manufactures and distributes coffee products, ready-to-drink beverages and custom formulations for retail, foodservice and commercial clients across North America and other key markets.
PAY vs WEST — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $330.5M | $339.5M |
| Net Profit | $20.7M | $-22.6M |
| Gross Margin | 25.4% | 11.5% |
| Operating Margin | 7.3% | -2.6% |
| Net Margin | 6.3% | -6.6% |
| Revenue YoY | 28.1% | 48.3% |
| Net Profit YoY | 57.2% | 8.3% |
| EPS (diluted) | $0.16 | $-0.22 |
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 | $339.5M | ||
| Q3 25 | $310.7M | $354.8M | ||
| Q2 25 | $280.1M | $280.9M | ||
| Q1 25 | $275.2M | $213.8M | ||
| Q4 24 | $257.9M | $229.0M | ||
| Q3 24 | $231.6M | $220.9M | ||
| Q2 24 | $197.4M | $208.4M | ||
| Q1 24 | $184.9M | $192.5M |
| Q4 25 | $20.7M | $-22.6M | ||
| Q3 25 | $17.7M | $-19.1M | ||
| Q2 25 | $14.7M | $-21.6M | ||
| Q1 25 | $13.8M | $-27.2M | ||
| Q4 24 | $13.1M | $-24.6M | ||
| Q3 24 | $14.4M | $-14.3M | ||
| Q2 24 | $9.4M | $-17.8M | ||
| Q1 24 | $7.2M | $-23.7M |
| Q4 25 | 25.4% | 11.5% | ||
| Q3 25 | 24.1% | 11.7% | ||
| Q2 25 | 25.5% | 14.7% | ||
| Q1 25 | 24.0% | 13.6% | ||
| Q4 24 | 25.6% | 16.6% | ||
| Q3 24 | 26.2% | 16.8% | ||
| Q2 24 | 29.8% | 19.9% | ||
| Q1 24 | 28.5% | 19.4% |
| Q4 25 | 7.3% | -2.6% | ||
| Q3 25 | 6.4% | -2.4% | ||
| Q2 25 | 5.7% | -5.3% | ||
| Q1 25 | 5.7% | -6.1% | ||
| Q4 24 | 5.5% | -4.3% | ||
| Q3 24 | 5.2% | -5.8% | ||
| Q2 24 | 5.2% | -7.9% | ||
| Q1 24 | 4.5% | -5.3% |
| Q4 25 | 6.3% | -6.6% | ||
| Q3 25 | 5.7% | -5.4% | ||
| Q2 25 | 5.3% | -7.7% | ||
| Q1 25 | 5.0% | -12.7% | ||
| Q4 24 | 5.1% | -10.7% | ||
| Q3 24 | 6.2% | -6.5% | ||
| Q2 24 | 4.7% | -8.5% | ||
| Q1 24 | 3.9% | -12.3% |
| Q4 25 | $0.16 | $-0.22 | ||
| Q3 25 | $0.14 | $-0.20 | ||
| Q2 25 | $0.11 | $-0.23 | ||
| Q1 25 | $0.11 | $-0.29 | ||
| Q4 24 | $0.11 | $-0.26 | ||
| Q3 24 | $0.11 | $-0.16 | ||
| Q2 24 | $0.07 | $-0.20 | ||
| Q1 24 | $0.06 | $-0.27 |
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 | $49.9M |
| Total DebtLower is stronger | — | $444.1M |
| Stockholders' EquityBook value | $560.4M | $-1.9M |
| Total Assets | $667.9M | $1.2B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $320.9M | $49.9M | ||
| Q3 25 | $287.9M | $34.0M | ||
| Q2 25 | $266.4M | $44.0M | ||
| Q1 25 | $245.8M | $33.1M | ||
| Q4 24 | $205.9M | $26.2M | ||
| Q3 24 | $187.5M | $22.4M | ||
| Q2 24 | $188.8M | $24.3M | ||
| Q1 24 | $180.1M | $12.6M |
| Q4 25 | — | $444.1M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | $393.1M | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
| Q4 25 | $560.4M | $-1.9M | ||
| Q3 25 | $537.4M | $11.4M | ||
| Q2 25 | $516.7M | $18.2M | ||
| Q1 25 | $500.4M | $71.4M | ||
| Q4 24 | $485.6M | $97.5M | ||
| Q3 24 | $468.8M | $110.3M | ||
| Q2 24 | $451.6M | $81.5M | ||
| Q1 24 | $439.4M | $91.7M |
| Q4 25 | $667.9M | $1.2B | ||
| Q3 25 | $644.4M | $1.2B | ||
| Q2 25 | $609.5M | $1.2B | ||
| Q1 25 | $590.9M | $1.1B | ||
| Q4 24 | $576.2M | $1.1B | ||
| Q3 24 | $552.9M | $1.1B | ||
| Q2 24 | $527.7M | $1.1B | ||
| Q1 24 | $514.0M | $983.3M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | 4.03× | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
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 | $36.7M |
| Free Cash FlowOCF − Capex | $45.0M | $27.8M |
| FCF MarginFCF / Revenue | 13.6% | 8.2% |
| Capex IntensityCapex / Revenue | 0.0% | 2.6% |
| Cash ConversionOCF / Net Profit | 2.18× | — |
| TTM Free Cash FlowTrailing 4 quarters | $161.8M | $-107.8M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $45.1M | $36.7M | ||
| Q3 25 | $35.1M | $-26.6M | ||
| Q2 25 | $31.5M | $-7.0M | ||
| Q1 25 | $50.4M | $-22.1M | ||
| Q4 24 | $27.9M | $2.8M | ||
| Q3 24 | $6.7M | $-332.0K | ||
| Q2 24 | $18.0M | $-23.7M | ||
| Q1 24 | $11.0M | $8.0M |
| Q4 25 | $45.0M | $27.8M | ||
| Q3 25 | $35.0M | $-44.7M | ||
| Q2 25 | $31.4M | $-27.5M | ||
| Q1 25 | $50.4M | $-63.4M | ||
| Q4 24 | $27.8M | $-15.4M | ||
| Q3 24 | $6.7M | $-36.7M | ||
| Q2 24 | $17.8M | $-59.9M | ||
| Q1 24 | $10.8M | $-60.9M |
| Q4 25 | 13.6% | 8.2% | ||
| Q3 25 | 11.3% | -12.6% | ||
| Q2 25 | 11.2% | -9.8% | ||
| Q1 25 | 18.3% | -29.7% | ||
| Q4 24 | 10.8% | -6.7% | ||
| Q3 24 | 2.9% | -16.6% | ||
| Q2 24 | 9.0% | -28.7% | ||
| Q1 24 | 5.9% | -31.7% |
| Q4 25 | 0.0% | 2.6% | ||
| Q3 25 | 0.0% | 5.1% | ||
| Q2 25 | 0.0% | 7.3% | ||
| Q1 25 | 0.0% | 19.3% | ||
| Q4 24 | 0.0% | 7.9% | ||
| Q3 24 | 0.0% | 16.5% | ||
| Q2 24 | 0.1% | 17.4% | ||
| Q1 24 | 0.1% | 35.8% |
| Q4 25 | 2.18× | — | ||
| Q3 25 | 1.98× | — | ||
| Q2 25 | 2.14× | — | ||
| 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% |
WEST
| Coffee And Tea | $202.6M | 60% |
| Flavors Extracts And Ingredients | $69.6M | 21% |
| Sustainable Sourcing And Traceability Segments | $66.9M | 20% |
