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Paymentus Holdings, Inc. (PAY) vs Teradata Corporation (TDC)

Paymentus Holdings, Inc. and Teradata Corporation are both Software Infrastructure companies. Paymentus Holdings, Inc. is the larger, with a market value of $3.7B against $3.0B — 1.2× the size. Teradata Corporation trades at the lower P/E: 6.7× against 44.7×. Paymentus Holdings, Inc. grew revenue faster over the last twelve months: 26.5% against 0.96%. Teradata Corporation has the higher net margin (27.1% vs 6.65%) and the higher return on invested capital (35.4% vs 31.2%). Across the 22 metrics below, Teradata Corporation leads on 14 and Paymentus Holdings, Inc. on 8.

Valuation

Metric PAY TDC Software Infrastructure median
P/E 44.65 6.73 24.43
P/S 2.96 1.84 2.81
P/B 6.54 5.24 2.88
Price to free cash flow 32.54 4.23 17.94
EV/EBITDA 23.79 12.43 14.51
EV/Sales 2.67 1.63 2.91
Earnings yield 2.24% 14.85% 0.00%
Free cash flow yield 3.07% 23.64% 0.49%

Profitability

Metric PAY TDC Software Infrastructure median
Gross margin 25.21% 60.79% 57.45%
Operating margin 8.21% 7.51% 0.00%
Net margin 6.65% 27.08% 0.00%
Free cash flow margin 9.12% 43.41% 0.00%
Return on equity 16.02% 119.12% 0.00%
Return on assets 13.43% 26.98% 0.00%
Return on invested capital 31.24% 35.44% 0.00%

Growth

Metric PAY TDC Software Infrastructure median
Revenue growth (TTM) 26.50% 0.96% 14.28%
EPS growth (last fiscal year) 48.57% 16.38% 18.26%
Revenue growth, 5-year CAGR 31.72% (1.96%) 16.15%
Net income growth, 5-year CAGR 51.01% 0.15% 0.00%

Health

Metric PAY TDC Software Infrastructure median
Debt to equity 0.00 0.08 0.02
Current ratio 4.82 0.91 1.53
Net debt to EBITDA (2.68) 0.03 0.05

Dividend

Metric PAY TDC Software Infrastructure median
Dividend yield — — 1.06%
Payout ratio — — 0.29

Size

Metric PAY TDC Software Infrastructure median
Market cap 3.69b 3.04b 661.51m

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