Also trades as: PMTS.TO (TSX) · $vol 0M

$25.43

-0.83 (-3.16%)

Weekly Expected Move ±4.3%

$25 $26 $27 $28 $29

NASDAQ · Financial Services · Financial - Credit Services · Tech Score Buy · Power 69 · $294.8M mcap · 6M float · 2.16% daily turnover · Short 53% of daily vol

Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: none of note held by US funds details ▾

Not rated: lending and leverage are a financial company's business, which the model misreads.
US fund filings (SEC N-PORT) show under $25M of this company's bonds, so there is no bond page. Its debt may be bank loans or privately placed. How these are computed.

Revenue Segmentation

By Product / Service

By Geography

Revenue by Segment (5-Year Trend)

Income Trends

Revenue

$544M +13.1% ▲

5Y CAGR: +11.7%

Gross Profit

$170M -0.7% ▼

5Y CAGR: +9.0%

Operating Income

$55M -12.7% ▼

5Y CAGR: +7.4%

Net Income

$15M -23.4% ▼

5Y CAGR: -1.5%

EPS (Diluted)

$1.25 -23.8% ▼

5Y CAGR: -2.8%

EBITDA

$77M -2.4% ▼

5Y CAGR: +7.0%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$375M	$476M	$445M	$481M	$544M
YoY Growth	+20.2%	+26.8%	-6.6%	+8.1%	+13.1%
Cost of Revenue	$234M	$300M	$289M	$309M	$373M
Gross Profit	$141M	$176M	$155M	$171M	$170M
Gross Margin	37.7%	36.9%	35.0%	35.6%	31.3%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$76M	$91M	$88M	$103M	$115M
Operating Expenses	$82M	$97M	$94M	$108M	$115M
Operating Income	$59M	$79M	$62M	$63M	$55M
Operating Margin	15.9%	16.6%	13.9%	13.1%	10.1%
Interest Expense	$31M	$30M	$27M	$34M	$32M
Income Before Tax	$24M	$49M	$34M	$25M	$22M
Tax Expense	$8M	$13M	$10M	$6M	$7M
Net Income	$16M	$37M	$24M	$20M	$15M
Net Margin	4.2%	7.7%	5.4%	4.1%	2.8%
EPS (Diluted)	$1.36	$3.11	$2.01	$1.64	$1.25
EBITDA	$75M	$94M	$77M	$79M	$77M
Shares Outstanding	12M	12M	12M	12M	12M

Line Item	FY2024 Q3	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2
Revenue	$125M	$125M	$123M	$130M	$138M	$153M	$147M	$149M
Cost of Revenue	$80M	$82M	$82M	$90M	$97M	$105M	$103M	$101M
Gross Profit	$45M	$43M	$41M	$40M	$41M	$48M	$44M	$48M
Gross Margin	35.8%	34.1%	33.2%	30.9%	29.7%	31.5%	30.0%	32.5%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$26M	$25M	$25M	$29M	$26M	$30M	$33M	$37M
Operating Expenses	$27M	$27M	$27M	$31M	$28M	$30M	$33M	$37M
Operating Income	$18M	$16M	$14M	$9M	$13M	$18M	$11M	$12M
Operating Margin	14.3%	12.7%	11.5%	7.3%	9.4%	12.0%	7.5%	8.0%
Interest Expense	$13M	$8M	$8M	$8M	$9M	$8M	$8M	$7M
Income Before Tax	$819K	$8M	$6M	$1M	$4M	$10M	$3M	$4M
Tax Expense	-$474K	$1M	$2M	$823K	$1M	$3M	$1M	$2M
Net Income	$1M	$7M	$5M	$518K	$2M	$7M	$2M	$2M
Net Margin	1.0%	5.4%	3.9%	0.4%	1.7%	4.8%	1.4%	1.4%
EPS (Diluted)	$0.11	$0.57	$0.40	$0.04	$0.19	$0.62	$0.17	$0.17
EBITDA	$18M	$20M	$18M	$15M	$19M	$25M	$16M	$18M
Shares Outstanding	12M	12M	12M	12M	12M	12M	12M	12M

PMTS NASDAQ