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Side-by-side financial comparison of Paymentus Holdings, Inc. (PAY) and WESBANCO INC (WSBC). Click either name above to swap in a different company.
Paymentus Holdings, Inc. is the larger business by last-quarter revenue ($330.5M vs $257.2M, roughly 1.3× WESBANCO INC). WESBANCO INC runs the higher net margin — 34.5% vs 6.3%, a 28.2% gap on every dollar of revenue. Over the past eight quarters, Paymentus Holdings, Inc.'s revenue compounded faster (33.7% CAGR vs 31.9%).
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.
WesBanco, Inc., is a bank holding company headquartered in Wheeling, West Virginia, United States. It has over 200 branches in West Virginia, Ohio, Western Pennsylvania, Kentucky, Maryland, and Southern Indiana.
PAY vs WSBC — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $330.5M | $257.2M |
| Net Profit | $20.7M | $88.6M |
| Gross Margin | 25.4% | — |
| Operating Margin | 7.3% | — |
| Net Margin | 6.3% | 34.5% |
| Revenue YoY | 28.1% | — |
| Net Profit YoY | 57.2% | 54.4% |
| EPS (diluted) | $0.16 | $0.88 |
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 | — | $257.2M | ||
| Q4 25 | $330.5M | $265.6M | ||
| Q3 25 | $310.7M | $261.6M | ||
| Q2 25 | $280.1M | $260.7M | ||
| Q1 25 | $275.2M | $193.2M | ||
| Q4 24 | $257.9M | $162.9M | ||
| Q3 24 | $231.6M | $150.8M | ||
| Q2 24 | $197.4M | $147.9M |
| Q1 26 | — | $88.6M | ||
| Q4 25 | $20.7M | $91.1M | ||
| Q3 25 | $17.7M | $83.6M | ||
| Q2 25 | $14.7M | $57.4M | ||
| Q1 25 | $13.8M | $-9.0M | ||
| Q4 24 | $13.1M | $49.6M | ||
| Q3 24 | $14.4M | $37.3M | ||
| Q2 24 | $9.4M | $28.9M |
| 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 | — | — | ||
| Q4 25 | 7.3% | 43.2% | ||
| Q3 25 | 6.4% | 39.5% | ||
| Q2 25 | 5.7% | 27.2% | ||
| Q1 25 | 5.7% | -5.0% | ||
| Q4 24 | 5.5% | 38.0% | ||
| Q3 24 | 5.2% | 29.7% | ||
| Q2 24 | 5.2% | 23.7% |
| Q1 26 | — | 34.5% | ||
| Q4 25 | 6.3% | 34.3% | ||
| Q3 25 | 5.7% | 31.9% | ||
| Q2 25 | 5.3% | 22.0% | ||
| Q1 25 | 5.0% | -4.7% | ||
| Q4 24 | 5.1% | 30.5% | ||
| Q3 24 | 6.2% | 24.7% | ||
| Q2 24 | 4.7% | 19.5% |
| Q1 26 | — | $0.88 | ||
| Q4 25 | $0.16 | $0.97 | ||
| Q3 25 | $0.14 | $0.84 | ||
| Q2 25 | $0.11 | $0.57 | ||
| Q1 25 | $0.11 | $-0.15 | ||
| Q4 24 | $0.11 | $0.72 | ||
| Q3 24 | $0.11 | $0.54 | ||
| Q2 24 | $0.07 | $0.44 |
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 | — |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $560.4M | $4.1B |
| Total Assets | $667.9M | $27.5B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $320.9M | $956.1M | ||
| Q3 25 | $287.9M | $1.0B | ||
| Q2 25 | $266.4M | $1.2B | ||
| Q1 25 | $245.8M | $1.1B | ||
| Q4 24 | $205.9M | $568.1M | ||
| Q3 24 | $187.5M | $620.9M | ||
| Q2 24 | $188.8M | $486.8M |
| Q1 26 | — | $4.1B | ||
| Q4 25 | $560.4M | $4.0B | ||
| Q3 25 | $537.4M | $4.1B | ||
| Q2 25 | $516.7M | $3.8B | ||
| Q1 25 | $500.4M | $3.8B | ||
| Q4 24 | $485.6M | $2.8B | ||
| Q3 24 | $468.8M | $2.8B | ||
| Q2 24 | $451.6M | $2.5B |
| Q1 26 | — | $27.5B | ||
| Q4 25 | $667.9M | $27.7B | ||
| Q3 25 | $644.4M | $27.5B | ||
| Q2 25 | $609.5M | $27.6B | ||
| Q1 25 | $590.9M | $27.4B | ||
| Q4 24 | $576.2M | $18.7B | ||
| Q3 24 | $552.9M | $18.5B | ||
| Q2 24 | $527.7M | $18.1B |
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 | $290.4M | ||
| Q3 25 | $35.1M | $116.9M | ||
| Q2 25 | $31.5M | $105.0M | ||
| Q1 25 | $50.4M | $-26.4M | ||
| Q4 24 | $27.9M | $211.0M | ||
| Q3 24 | $6.7M | $60.7M | ||
| Q2 24 | $18.0M | $18.2M |
| Q1 26 | — | — | ||
| Q4 25 | $45.0M | $280.0M | ||
| Q3 25 | $35.0M | $114.9M | ||
| Q2 25 | $31.4M | $98.3M | ||
| Q1 25 | $50.4M | $-30.7M | ||
| Q4 24 | $27.8M | $200.7M | ||
| Q3 24 | $6.7M | $56.9M | ||
| Q2 24 | $17.8M | $17.3M |
| Q1 26 | — | — | ||
| Q4 25 | 13.6% | 105.4% | ||
| Q3 25 | 11.3% | 43.9% | ||
| Q2 25 | 11.2% | 37.7% | ||
| Q1 25 | 18.3% | -15.9% | ||
| Q4 24 | 10.8% | 123.2% | ||
| Q3 24 | 2.9% | 37.7% | ||
| Q2 24 | 9.0% | 11.7% |
| Q1 26 | — | — | ||
| Q4 25 | 0.0% | 3.9% | ||
| Q3 25 | 0.0% | 0.8% | ||
| Q2 25 | 0.0% | 2.6% | ||
| Q1 25 | 0.0% | 2.2% | ||
| Q4 24 | 0.0% | 6.3% | ||
| Q3 24 | 0.0% | 2.5% | ||
| Q2 24 | 0.1% | 0.6% |
| Q1 26 | — | — | ||
| Q4 25 | 2.18× | 3.19× | ||
| Q3 25 | 1.98× | 1.40× | ||
| Q2 25 | 2.14× | 1.83× | ||
| Q1 25 | 3.65× | — | ||
| Q4 24 | 2.12× | 4.25× | ||
| Q3 24 | 0.47× | 1.63× | ||
| Q2 24 | 1.93× | 0.63× |
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% |
WSBC
| Net Interest Income | $215.4M | 84% |
| Noninterest Income | $41.8M | 16% |
