PMTS (PMTS)
What the price implies
A reverse DCF: instead of guessing a fair value, it asks what growth today's price already assumes. How it works.
At a market value of $299M, PMTS's free cash flow of $41M (fiscal 2025) would need to grow about -9% a year for the stock to be worth today's price. That is slower than the company has grown its free cash flow over the last 9 years.
Assumes a 9% discount rate and 3% growth after year 10, on free cash flow (operating cash flow minus capital spending) from PMTS's SEC filings. Change any assumption, or model revenue and margins instead, in the Modeling tab, or try your own numbers in the reverse DCF calculator.
Fundamental grade
Five factors scored 1 to 9 from PMTS's latest numbers, weighted into one grade. It describes the business, not whether the stock is a buy.
Results from SEC filings
Fiscal years, from PMTS's 10-K filings. Ten years of the full income statement, balance sheet and cash flow.
| Fiscal year | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Revenue | $375M | $476M | $445M | $481M | $544M |
| Net income | $16M | $37M | $24M | $20M | $15M |
| Free cash flow | $10M | $13M | $28M | $34M | $41M |
| EPS (diluted) | $1.36 | $3.11 | $2.01 | $1.64 | $1.25 |
| Operating margin | 15.9% | 16.6% | 13.9% | 13.1% | 10.1% |
Where the revenue comes from
Revenue by segments, fiscal 2025. Every breakdown, year by year.
Superinvestors who own PMTS
From each investor's latest 13F filing (what a 13F shows). 1 of the investors we track hold it.
| Investor | Last quarter | Value | % of portfolio | Quarter |
|---|---|---|---|---|
| Cliff Asness AQR Capital Management |
New position | $223,947 | 0.0% | Q2 2026 |
Insider buying
Open-market purchases by PMTS's executives and directors in the last 12 months, from SEC Form 4 filings. What insider buying tells you. Every purchase since records began.
| Date | Insider | Shares | Price | Value |
|---|---|---|---|---|
| Sep 14, 2026 | Tricor Pmt25 Holdings Inc. Major Shareholder |
525,000 | $21.50 | $11M |
| Sep 14, 2026 | H Sanford Riley Director |
13,953 | $21.50 | $299,990 |
| Sep 14, 2026 | Marc Sheinbaum Director |
4,651 | $21.50 | $99,996 |
| Sep 14, 2026 | Nicholas Peters Director |
11,628 | $21.50 | $250,002 |
| Sep 14, 2026 | Ravi Mallela Director |
1,000 | $21.50 | $21,500 |
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In the full deep dive
Questions
What growth does PMTS's stock price imply?
At a market value of $299M, PMTS would need its free cash flow to grow about -9% a year for 10 years (discounted at 9%, 3% growth after that) to be worth today's price. Over the last 9 years its free cash flow grew -1% a year.
Are PMTS insiders buying the stock?
5 open-market insider purchases of PMTS in the last 12 months, from SEC Form 4 filings.
Which superinvestors own PMTS?
1 of the superinvestors Investingly tracks hold PMTS in their latest 13F, including Cliff Asness.
Prices and ratios as of Oct 8, 2026; statements from SEC filings. Information only, not investment advice. Superinvestor holdings come from 13F filings, which are filed up to 45 days after each quarter ends.