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Institutional distribution: ownership decreased -0.91% quarter-over-quarter.
Data as of Q1 2026
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Total shares institutions bought (green) vs sold (red) each quarter across all holders.
Inferred from quarter-over-quarter change in each fund's 13F position (new stakes count as buys, exits as sells). Not tick-level trades.
Solve the discounted cash flow backwards, then stress-test the assumptions.
To be worth $24.18 today, the market must believe free cash flow compounds 4.5%/yr for a decade (off $34M normalized FCF).
The market's 4.5% is more optimistic than its 9-yr track record.
2-stage DCF · 0.01B shares · net debt $265M
mean 14.4% · volatility σ 78% · implied rate exceeded in 4/5 yrs
Central path = implied 4.5%/yr growth; shaded band = ±1σ (78%) of this company's historical FCF volatility, widening with time. The wider the band, the less certain the growth.
Reverse DCF: rather than guessing a fair value, we solve for the growth the current price implies, then you stress-test the assumptions. Enterprise value of the FCF stream, less net debt, ÷ shares. Educational — not a recommendation.
Total return (dividends reinvested) vs the market, from quarter-end prices.
Above 0 = ahead of the S&P 500 since the window start; below 0 = behind. Rising means it's pulling ahead.
How far the stock fell below its prior peak. Deeper, longer drawdowns = a rougher ride to the same return.
Quarter-end, dividend-adjusted (total return). Beta & volatility from quarterly returns (annualized). Benchmark is the S&P 500 (SPY total return). Annual returns compound the quarters ending in each calendar year; the first and last years in a window may be partial. Past performance doesn't predict future results.
Top 40 institutional holders — bubble size is position value, color is the move since last quarter. Hover any holder for detail.
Drag any bubble to rearrange · size = dollar value of the position
Is the value real, and is the business safe? Academic scores + earnings quality + solvency, from SEC filings.
Safe > 2.99 · grey 1.81–2.99 · distress < 1.81
Needs granular two-year detail (receivables, PP&E, D&A, SG&A) — not fully reported.
Earnings are backed by cash (FCF ≥ net income) — high quality. Lower/negative accruals = higher quality (Sloan).
Coverage data unavailable; leverage rising year-over-year.
F-Score (0–9 fundamental momentum), Altman Z (distress risk), and Beneish M (earnings-manipulation screen) are academic models computed from the SEC filings. Screens and context — educational, not recommendations.
What the company returns to shareholders — and whether it's covered by cash.
No dividend to cover. Last year: $0 dividends + $0 buybacks = $0 returned on $41M FCF.
Yields use the latest fiscal-year dividends/buybacks over current market cap. Dividends and buybacks from the SEC cash-flow statement; payout coverage vs net income and free cash flow. Educational — not a recommendation.
How management deployed cash over 10 years — and what it earned on reinvestment.
A reinvestment story — most cash went back into growth rather than to shareholders.
Reinvestment has been productive — operating income grew well per dollar put in. Current ROIC on all capital: 6%. Rough measure (includes maintenance capex).
Cash uses aggregated from the SEC cash-flow statement over 10 fiscal years. "Return on reinvestment" is a rough proxy — operating-income change ÷ cumulative CapEx + M&A — and includes maintenance capex. Educational — not a recommendation.
How much the company owes, how it's trended, and how comfortably it's serviced.
Green ≤ 1.5× · amber ≤ 3× · red > 3× (leverage relative to cash earnings).
Interest expense isn't separately reported — often netted into “other income (expense), net.”
Cash vs short-term debt unavailable.
Mostly long-term debt (balance-sheet current vs non-current split). A year-by-year maturity schedule wasn't disclosed for this issuer.
Debt, cash, interest and equity from the SEC balance sheet & income statement. Effective rate = interest ÷ average debt. Educational — not a recommendation.
EOD close · as of 2026-09-17
Where each multiple sits in its own 11-yr range · 65th pct blended
Dot = today · shaded = middle 50% · line = median. Lower percentile = cheaper vs its own 11-yr history.
Is the profit real, and how strong is the balance sheet?
FY2025 · every deduction from revenue to net income
DuPont — the three levers
Returns are margin-driven, not leverage-driven — higher quality.
What the company owes vs. what it holds
Year-by-year maturities aren't in SEC companyfacts (footnote-only), so this shows the debt/cash structure and net leverage instead.
Latest year: profit growth vs revenue growth
Profit and sales moved in opposite directions this year.
Each line as % of revenue — the trend in color
| % of revenue | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|
| Cost of Revenue | 69.3 | 67.2 | 64.7 | 62.3 | 63.1 | 65.0 | 64.4 | 68.7 |
| Gross Profit | 30.7 | 32.8 | 35.3 | 37.7 | 36.9 | 35.0 | 35.6 | 31.3 |
| SG&A | 26.6 | 23.9 | 21.1 | 20.2 | 19.1 | 19.9 | 21.5 | — |
| Operating Income | 1.8 | 8.9 | 12.3 | 15.9 | 16.6 | 13.9 | 13.1 | 10.1 |
| Income Tax | -1.7 | 1.2 | -1.1 | 2.1 | 2.6 | 2.4 | 1.1 | 1.2 |
| Net Income | -14.6 | -1.8 | 5.2 | 4.2 | 7.7 | 5.4 | 4.1 | 2.8 |
Green = margin-favorable vs the row's own range · red = unfavorable.
The metrics that matter, over time
A 30-second read on PMTS: price, valuation, headline fundamentals, and an auto-generated scorecard from SEC filings. Flags are rule-based signals, not recommendations.
EOD close · as of 2026-09-17
How a revenue dollar becomes profit — FY2025
Each value shows its share of revenue below it (common-size).
| Line Item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $543.5M 100.0% | $480.6M 100.0% | $444.5M 100.0% | $475.7M 100.0% | $375.1M 100.0% | $312.2M 100.0% | $278.1M 100.0% | $255.8M 100.0% | $223.7M 100.0% | $308.7M 100.0% |
| Cost of Revenue | $373.4M 68.7% | $309.4M 64.4% | $289.1M 65.0% | $300.0M 63.1% | $233.7M 62.3% | $201.9M 64.7% | $187.0M 67.2% | $177.2M 69.3% | $155.5M 69.5% | $206.8M 67.0% |
| Cost of Products | — | — | — | — | — | — | — | — | $87.4M 39.1% | $111.6M 36.2% |
| Cost of Services | — | — | — | — | — | — | — | — | $81.2M 36.3% | $84.5M 27.4% |
| Gross Profit | $170.1M 31.3% | $171.2M 35.6% | $155.5M 35.0% | $175.8M 36.9% | $141.4M 37.7% | $110.3M 35.3% | $91.1M 32.8% | $78.6M 30.7% | $68.2M 30.5% | $101.9M 33.0% |
| Selling, General & Admin | — | $103.4M 21.5% | $88.3M 19.9% | $90.8M 19.1% | $75.7M 20.2% | $65.8M 21.1% | $66.3M 23.9% | $68.0M 26.6% | $62.2M 27.8% | $64.0M 20.7% |
| Total Operating Expenses | $115.3M 21.2% | $108.4M 22.6% | $93.9M 21.1% | $96.6M 20.3% | $82.0M 21.8% | $71.9M 23.0% | $66.4M 23.9% | $74.0M 28.9% | $87.5M 39.1% | $72.9M 23.6% |
| Operating Income | $54.8M 10.1% | $62.8M 13.1% | $61.6M 13.9% | $79.1M 16.6% | $59.5M 15.9% | $38.4M 12.3% | $24.7M 8.9% | $4.6M 1.8% | -$19.3M -8.6% | $29.0M 9.4% |
| Other Income (Expense), net | -$348K -0.1% | -$691K -0.1% | $28K 0.0% | -$367K -0.1% | $14K 0.0% | -$17K -0.0% | -$4K -0.0% | $16K 0.0% | $12K 0.0% | $20K 0.0% |
| Pretax Income | $21.7M 4.0% | $25.0M 5.2% | $34.5M 7.8% | $49.1M 10.3% | $23.8M 6.4% | $12.9M 4.1% | -$1.5M -0.5% | -$19.1M -7.5% | -$39.6M -17.7% | $8.5M 2.8% |
| Income Tax Expense | $6.7M 1.2% | $5.5M 1.1% | $10.5M 2.4% | $12.6M 2.6% | $7.9M 2.1% | -$3.3M -1.1% | $3.5M 1.2% | -$4.3M -1.7% | -$16.5M -7.4% | $3.1M 1.0% |
| Net Income | $14.9M 2.8% | $19.5M 4.1% | $24.0M 5.4% | $36.5M 7.7% | $15.9M 4.2% | $16.1M 5.2% | -$5.1M -1.8% | -$37.5M -14.6% | -$22.0M -9.8% | $5.4M 1.7% |
| Per Share | ||||||||||
| EPS (Basic) | $1.32 | $1.75 | $2.10 | $3.24 | $1.42 | $1.44 | $-0.46 | — | — | — |
| EPS (Diluted) | $1.25 | $1.64 | $2.01 | $3.11 | $1.36 | $1.44 | $-0.46 | — | — | — |
| Weighted Avg Shares (Basic) | 11.3M | 11.2M | 11.4M | 11.3M | 11.2M | 11.2M | 11.2M | — | 11.1M | 11.2M |
| Weighted Avg Shares (Diluted) | 11.9M | 11.9M | 11.9M | 11.7M | 11.8M | 11.2M | 11.2M | — | 11.1M | 11.2M |
Source: SEC EDGAR XBRL filings (annual, fiscal year). Quarterly flow items are derived from cumulative filings; balance-sheet figures are as-of each period end. Ratios and margins are computed, not reported.
Ranked against 838 sector peers with collected financials. Valuation from latest close × latest fiscal-year fundamentals; 13F conviction as of 2026-03-31.
Percentile is “goodness” within the peer set (100 = best). For valuation and leverage that means cheaper / less-levered ranks higher.
| Company | Mkt cap ▼ | P/E | EV/EBITDA | P/S | Rev gr | Gross | Net | ROE | ROIC | Net D/EBITDA | 13F |
|---|---|---|---|---|---|---|---|---|---|---|---|
| JPM | $941.8B | 17.4× | — | 5.2× | 2.8% | — | 31.3% | 15.7% | 13.4% | — | 4,823 |
| V | $694.5B | — | — | 17.4× | 11.3% | — | 50.1% | 52.9% | 31.8% | — | 4,229 |
| MA | $512.0B | 34.3× | — | 15.6× | 16.4% | — | 45.6% | 193% | 56.0% | — | 3,430 |
| BAC | $419.6B | 15.3× | — | 3.7× | 6.8% | — | 27.0% | 10.1% | 4.9% | — | 3,337 |
| GS | $282.1B | 18.5× | — | — | — | — | — | 13.7% | 3.6% | — | 2,857 |
| WFC | $268.7B | 13.9× | — | — | — | — | — | 11.8% | 5.7% | — | 2,691 |
| AXP | $213.5B | 20.2× | — | 5.2× | 6.4% | — | 26.2% | 32.4% | 11.9% | — | 2,787 |
| TYFG | $191.9B | 14.2× | — | 11135.5× | 10.2% | — | 79.3% | 8.7% | 8.7% | — | 1 |
| SCHW | $188.8B | 22.5× | — | 7.9× | 22.0% | — | 37.0% | 17.9% | 17.9% | — | 2,225 |
| HDB | $173.4B | 21.8× | — | 6.8× | 15.2% | — | 30.8% | 8.8% | 4.5% | — | 570 |
| UBS | $169.2B | — | — | — | — | — | — | — | — | — | 660 |
| BLK | $163.4B | 29.9× | — | 6.8× | 89.3% | — | 22.9% | 9.9% | 8.1% | — | 2,196 |
| GLD | $134.4B | — | — | — | — | — | — | — | — | — | 3,072 |
| CB | $133.7B | 13.3× | — | 2.3× | 6.5% | — | 17.4% | 14.0% | 11.3% | — | 2,002 |
| PGR | $126.8B | 11.3× | — | 1.4× | 16.3% | — | 12.9% | 37.3% | 37.3% | — | 1,685 |
| SPGI | $120.7B | 27.6× | 17.3× | 7.9× | 7.9% | 70.2% | 29.2% | 14.4% | 10.1% | 1.7× | 2,005 |
| HOOD | $97.6B | 53.6× | — | 21.8× | 51.6% | — | 42.1% | 20.6% | 20.6% | — | 1,230 |
| CME | $97.5B | 24.3× | — | 15.0× | 6.4% | — | 62.5% | 14.2% | 14.2% | — | 1,699 |
| USB | $96.4B | 13.0× | — | 3.4× | 4.4% | — | 26.4% | 11.6% | 9.2% | — | 1,901 |
| BX | $93.9B | 32.4× | — | 6.5× | 9.2% | — | 20.9% | 34.8% | 14.2% | — | 2,037 |
| PNC | $91.9B | 14.0× | — | 4.0× | 7.2% | — | 30.3% | 11.5% | 5.9% | — | 1,839 |
| AMUB | $89.8B | — | — | — | — | — | — | — | — | — | 7 |
| KKR | $87.5B | — | — | 4.5× | -11.0% | — | 12.2% | 7.7% | 7.7% | — | 1,216 |
| ICE | $86.9B | 26.6× | 20.6× | 6.9× | 7.5% | — | 26.2% | 11.5% | 6.8% | 3.8× | 1,641 |
| MRSH | $84.7B | 20.7× | 15.4× | 3.1× | 10.3% | — | 15.4% | 27.2% | 11.9% | 3.0× | 1,471 |
| PMTS | $277M | 19.3× | 7.0× | 0.5× | 13.1% | 31.3% | 2.8% | -86.3% | 5.6% | 3.7× | 70 |
Peers = companies sharing PMTS's sector (Financial Services) with collected SEC financials. Multiples use the most recent end-of-day close and latest fiscal-year fundamentals (trailing, not forward). Missing cells mean the peer never reported that line item, has no collected price, or has a non-positive denominator. Not investment advice.