COMP <GO>
PAY vs HD // GROSS PROFIT MARGIN
Paymentus Holdings Inc. (Class A) (NYSE) VS. Home Depot Inc. (NYSE) • 15-METRIC TALLY: PAY 4
— HD 9
▲ GROSS PROFIT MARGIN LEADER: HD
LAST: $35.05 (+6.80%) • MKT CAP: $4.13B
gross-margins
24.80%
LAST: $341.15 (+3.63%) • MKT CAP: $328.44B
gross-margins
33.30%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (PAY VS. HD)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | PAY | HD | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin ACTIVE | 24.80% | 33.30% | -8.50 | HD | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 24.90% | 32.90% | -8.00 | HD | /roic <GO> |
| EV/EBITDA & P/E Valuation | 49.3x | 13.4x | +35.90 | HD | /valuation <GO> |
| Free Cash Flow Yield | 3.98% | 2.72% | +1.26 | PAY | /fcf-yield <GO> |
| Operating Margin | 6.30% | 12.70% | -6.40 | HD | /operating-margins <GO> |
| Net Profit Margin | 5.60% | 8.60% | -3.00 | HD | /net-margins <GO> |
| Revenue Growth (YoY) | 37.30% | 3.20% | +34.10 | PAY | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 2.79% | -2.79 | HD | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | 25.80 | 5.64 | +20.16 | PAY | /balance-sheet <GO> |
| Piotroski F-Score Quality | 7/9 | 5/9 | +2.00 | PAY | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 51.7 | 67.5 | -15.80 | HD | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 0.88 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 51.0x | 21.6x | +29.40 | HD | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $4.13B | $328.44B | -$324.31B | HD | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | PAY REV | HD REV | PAY GROSS % | HD GROSS % | PAY FCF | HD FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.20B | $164.68B | 24.8% | 33.3% | $161.8M | $8.91B |
| FY 2024 | $871.7M | $159.51B | 27.3% | 33.4% | $63.2M | $12.63B |
| FY 2023 | $614.5M | $152.67B | — | — | $68.8M | $14.30B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
PAY // BETA —
HD // BETA 0.88