Paymentus Holdings, Inc. (PAY) vs TechCreate Group Ltd. (TCGL)

Paymentus Holdings, Inc. and TechCreate Group Ltd. are both Software Infrastructure companies. Paymentus Holdings, Inc. is the larger, with a market value of $3.9B against $3.1B — 1.3× the size. Across the 5 metrics below, Paymentus Holdings, Inc. leads on 4 and TechCreate Group Ltd. on 1.

Valuation

Metric PAY TCGL Software Infrastructure median
P/E 45.03 — 28.02
P/S 2.79 — 3.07
P/B 6.19 n/m 3.36
Price to free cash flow 31.35 — 17.12
EV/EBITDA 23.29 n/m 14.91
EV/Sales 2.51 n/m 3.03
Earnings yield 2.22% — 0.13%
Free cash flow yield 3.19% — 1.15%

Profitability

Metric PAY TCGL Software Infrastructure median
Gross margin 24.95% — 61.23%
Operating margin 7.58% — 0.00%
Net margin 6.24% — 0.00%
Free cash flow margin 8.92% — 1.67%
Return on equity 15.02% — 0.59%
Return on assets 12.71% — 0.00%
Return on invested capital 27.57% 0.00% 0.00%

Growth

Metric PAY TCGL Software Infrastructure median
Revenue growth (TTM) 30.21% — 13.41%
EPS growth (last fiscal year) 48.57% (16.55%) —
Revenue growth, 5-year CAGR 31.72% — 15.81%
Net income growth, 5-year CAGR 51.01% — 0.00%

Health

Metric PAY TCGL Software Infrastructure median
Debt to equity 0.00 0.02 0.06
Current ratio 4.89 15.68 1.55
Net debt to EBITDA (2.68) 7.29 0.08

Dividend

Metric PAY TCGL Software Infrastructure median
Dividend yield — — 1.53%
Payout ratio 0.00 — 0.00

Size

Metric PAY TCGL Software Infrastructure median
Market cap 3.90b 3.09b 835.96m

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