Discounted Cash Flow

Paymentus Holdings, Inc.

PAY · Based on 10 years of SEC filings

Average annual growth rates

Metric 10-Year 5-Year 3-Year
Sales
Free Cash Flow
Average (FCF & NI)
Net Income

Average annual growth is the mean year-over-year change across each period.

Endpoint CAGR (better for long term trend)

Metric 10-Year 5-Year 3-Year
Sales
Free Cash Flow
Average (FCF & NI)
Net Income

Endpoint CAGR is the compound annual rate from the first to last year in each period.

Projections use average year-over-year growth. Change this in Settings.

Projected growth rate

Free cash flow growth
10-year: — 5-year: — 3-year: —
Averaged growth (FCF & NI)
10-year: — 5-year: — 3-year: —
Net income growth
10-year: — 5-year: — 3-year: —
Sales growth (not added to calculations)
10-year: — 5-year: — 3-year: —

Click a greyed-out slider to switch metrics. Slide between the 10-year, 5-year, and 3-year historic growth rates for FCF, net income, or their average.

%
%

Historical inputs (10 fiscal years)

YEAR Sales Net Income Free Cash Flow Net Margin EPS (diluted)
2019 $235.8m $13.7m $16.5m 5.8%
2020 $301.8m (28.0%) $13.7m (0.1%) $35.2m (113.5%) 4.5% (-21.8%)
2021 $395.5m (31.1%) $9.3m (-32.2%) $18.5m (-47.3%) 2.4% (-48.2%)
2022 $497.0m (25.7%) $-513.0k (-105.5%) $18.6m (0.5%) -0.1% (-104.4%)
2023 $614.5m (23.6%) $22.3m (4451.3%) $68.2m (266.6%) 3.6% (3619.3%)
2024 $871.7m (41.9%) $44.2m (97.9%) $63.2m (-7.4%) 5.1% (39.5%)
2025 $1.2b (37.3%) $66.9m (51.5%) $161.8m (156.1%) 5.6% (10.4%)

Base FCF: (latest fiscal year)

Discount rate: %

Terminal growth:

Projection period: years

Alt A decline yrs:

Alt B total yrs:

Projected cash flows

Year Projected cash flow Discount Factor Present Value

PV of projected FCF:

Terminal FCF:

Terminal value:

PV of terminal value:

Enterprise value (DCF):

DCF price per share:

Current price:

Alternative DCF Models

Model Fair Value Upside PV(FCFs) PV(Terminal) Total Years
Standard (10yr→TV) 10 + TV
Alt A (Gradual Decline)
Alt B (30yr Hard Stop) N/A

This is a simplified DCF model for illustration. It uses reported free cash flow, a single growth assumption, fixed WACC, and a Gordon Growth terminal value. It is not investment advice.

+ 10YR Financials Balance Sheet (10YR) Cash Flow (10YR) DCF Model