Repay Holdings Corporation (RPAY) 10-Year Financial Performance & Capital Metrics

RPAY •

TechnologyInfrastructure SoftwarePayments and fintech infrastructure

AboutRepay Holdings Corporation provides integrated payment processing solutions to industry-oriented markets. The company's payment processing solutions enable consumers and businesses to make payments using electronic payment methods. It also offers a range of solutions relating to electronic payment methods, including credit and debit processing, virtual credit card processing, automated clearing house (ACH) processing, enhanced ACH processing, and instant funding that are processed through its proprietary payment channels, such as Web-based, mobile application, text-to-pay, interactive voice response, and point of sale. In addition, the company provides payment processing solutions to customers primarily operating in the personal loans, automotive loans, receivables management, and business-to-business verticals. It sells its products through direct sales representatives and software integration partners. The company was founded in 2006 and is headquartered in Atlanta, Georgia.Show more

Revenue $313M +5.5%
EBITDA $96M +450.9%
Net Income -$10M +90.8%
EPS (Diluted) -0.11 +91.1%
Gross Margin 77.12% +0.8%
EBITDA Margin 30.65% +432.5%
Operating Margin -2.48% +93.4%
Net Margin -3.24% +91.3%
ROE -1.27% +89.9%
ROIC -0.52% +92.3%
Debt/Equity 0.66 +23.3%
Interest Coverage -0.99 +99.1%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓FCF machine: 33.6% free cash flow margin
✓Strong 5Y sales CAGR of 24.5%
✓Trading at only 0.3x book value

✗Weaknesses

✗Weak momentum: RS Rating 11 (bottom 11%)
✗Trading more than 30% below 52-week high
✗Low asset turnover indicates capital-intensive operations

Price & Volume

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Growth Metrics

Revenue CAGR

10Y-

5Y24.51%

3Y12.6%

TTM-0.58%

Profit (Net Income) CAGR

10Y-

5Y-

3Y-

TTM-52.19%

EPS CAGR

10Y-

5Y-

3Y-

TTM-57%

ROCE

10Y Avg-0.79%

5Y Avg-3.73%

3Y Avg-3.65%

Latest-0.53%

Peer Comparison

Payments and fintech infrastructure

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
KLARKlarna Group plc	5.12B	13.56	2023.88	21.17%	-9.29%	-10.65%	10.6%	0.35
AFRMAffirm Holdings, Inc.	15.27B	46.98	313.20	38.8%	9.66%	7.96%	3.94%	2.56
RELYRemitly Global, Inc.	3.5B	16.70	53.87	29.37%	1.36%	2.63%	8.46%	0.22
TOSTToast, Inc.	14.28B	27.31	48.77	24.05%	5.56%	16.1%	4.26%	0.02
DLODLocal Limited	2.03B	12.24	31.38	14.7%	17.8%	33.87%		0.11
XYZBlock, Inc.	38.35B	63.70	30.33	0.3%	5.39%	5.88%	6.32%	0.33
CSGSCSG Systems International, Inc.	2.31B	79.90	26.37	2.39%	7.17%	30.93%	4.91%	2.03
CPAYCorpay, Inc.	22.81B	325.10	23.27	5.77%	24.37%	25.52%	7.74%	2.54

Profit & Loss

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Sales/Revenue+	82.3M	93.95M	130.01M	104.6M	155.04M	219.26M	279.23M	296.63M	313.04M
Revenue Growth %	-	14.16%	38.38%	-19.54%	48.21%	41.42%	27.35%	6.23%	5.53%
Cost of Goods Sold+	53.24M	57.6M	1.15M	25.87M	41.45M	55.48M	64.83M	69.7M	71.64M
COGS % of Revenue	64.69%	61.31%	0.89%	24.73%	26.73%	25.31%	23.22%	23.5%	22.88%
Gross Profit+	29.06M	36.35M	128.86M	78.73M	113.59M	163.77M	214.4M	226.92M	241.41M
Gross Margin %	35.31%	38.69%	99.11%	75.27%	73.27%	74.69%	76.78%	76.5%	77.12%
Gross Profit Growth %	-	25.1%	254.5%	-38.9%	44.28%	44.18%	30.91%	5.84%	6.38%
Operating Expenses+	27.32M	22.06M	1.15M	126.94M	145.6M	217.77M	261.6M	338.34M	249.18M
OpEx % of Revenue	33.2%	23.48%	0.89%	121.35%	93.91%	99.32%	93.69%	114.06%	79.6%
Selling, General & Admin	23.57M	14.6M	1.15M	0	0	0	149.06M	0	145.47M
SG&A % of Revenue	28.65%	15.54%	0.89%	-	-	-	53.38%	-	46.47%
Research & Development	0	0	0	0	0	0	0	0	0
R&D % of Revenue	-	-	-	-	-	-	-	-	-
Other Operating Expenses	0	-1.23M	0	126.94M	145.6M	217.77M	112.54M	338.34M	103.71M
Operating Income+	1.75M	16.39M	-1.15M	-48.21M	-32.01M	-54M	-47.2M	-111.41M	-7.77M
Operating Margin %	2.12%	17.44%	-0.89%	-46.09%	-20.65%	-24.63%	-16.9%	-37.56%	-2.48%
Operating Income Growth %	-	838.78%	-107.02%	-4087.59%	33.6%	-68.69%	12.59%	-136.04%	93.03%
EBITDA+	5.44M	23.85M	9.27M	-18.23M	28.8M	27.23M	60.55M	-27.34M	95.94M
EBITDA Margin %	6.61%	25.38%	7.13%	-17.43%	18.57%	12.42%	21.68%	-9.22%	30.65%
EBITDA Growth %	-	338.2%	-61.13%	-296.65%	257.97%	-5.44%	122.36%	-145.16%	450.85%
D&A (Non-Cash Add-back)	3.7M	7.46M	10.42M	29.98M	60.81M	81.23M	107.75M	84.07M	103.71M
EBIT	1.75M	15.15M	16.61M	-28.11M	-34.52M	-45.97M	19.29M	-25.59M	-3.05M
Net Interest Income+	0	-5.71M	-6.07M	-9.07M	-14.45M	-3.68M	-4.25M	-1.05M	-1.88M
Interest Income	2.25M	0	0	0	0	0	130K	0	5.99M
Interest Expense	0	5.71M	6.07M	9.07M	14.45M	3.68M	4.38M	1.05M	7.87M
Other Income/Expense	-2.26M	-6.94M	-6.07M	-17.36M	-73M	-32.73M	62.12M	-8.12M	-3.15M
Pretax Income+	-511.71K	9.45M	1.52M	-65.57M	-105.01M	-86.73M	14.91M	-119.53M	-10.92M
Pretax Margin %	-0.62%	10.06%	1.17%	-62.69%	-67.73%	-39.56%	5.34%	-40.3%	-3.49%
Income Tax+	0	0	-2.67M	4.99M	12.36M	-30.69M	6.17M	-2.12M	-575K
Effective Tax Rate %	100%	100%	100%	84.32%	100.56%	57.75%	86.06%	92.43%	93%
Net Income+	-511.71K	9.45M	1.52M	-55.29M	-105.6M	-50.08M	12.84M	-110.49M	-10.16M
Net Margin %	-0.62%	10.06%	1.17%	-52.86%	-68.11%	-22.84%	4.6%	-37.25%	-3.24%
Net Income Growth %	-	1946.42%	-83.88%	-3729.36%	-90.99%	52.57%	125.63%	-960.78%	90.81%
Net Income (Continuing)	-511.71K	9.45M	10.54M	-70.56M	-117.37M	-56.04M	8.74M	-117.42M	-10.35M
Discontinued Operations	0	0	0	0	0	0	0	0	0
Minority Interest	0	0	0	206.16M	46.87M	39.03M	33.73M	15.65M	11.9M
EPS (Diluted)+	-0.08	1.45	0.05	0.28	-0.67	-0.60	0.12	-1.23	-0.11
EPS Growth %	-	1958.97%	-96.74%	493.22%	-339.29%	10.45%	120%	-1125%	91.06%
EPS (Basic)	-0.08	1.45	0.05	0.28	-0.67	-0.60	0.14	-1.23	-0.11
Diluted Shares Outstanding	6.6M	6.52M	32.25M	37.53M	52.18M	83.32M	110.67M	90.05M	89.92M
Basic Shares Outstanding	6.6M	6.52M	32.25M	37.53M	52.18M	83.32M	88.79M	90.05M	89.92M
Dividend Payout Ratio	-	57.99%	414.06%	-	-	-	7.41%	-	-

Balance Sheet

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Total Current Assets+	5.82M	25.82K	239.43K	43.88M	119.37M	95.71M	116.65M	180.65M	275.25M
Cash & Short-Term Investments	2.78M	25.82K	108.82K	24.62M	91.13M	50.05M	64.89M	118.1M	189.53M
Cash Only	2.78M	25.82K	108.82K	24.62M	91.13M	50.05M	64.89M	118.1M	189.53M
Short-Term Investments	0	0	0	0	0	0	0	0	0
Accounts Receivable	2.84M	0	5.98M	14.63M	21.31M	33.24M	33.54M	36.02M	32.95M
Days Sales Outstanding	12.59	-	16.79	51.05	50.17	55.33	43.85	44.32	38.42
Inventory	0	-4.87M	-5.98M	0	0	0	0	0	0
Days Inventory Outstanding	-	-	-	-	-	-	-	-	-
Other Current Assets	0	0	0	0	0	-32	18.21M	26.53M	35.65M
Total Non-Current Assets+	158.62M	150.51K	263.25M	738.16M	990.61M	1.59B	1.51B	1.34B	1.3B
Property, Plant & Equipment	441.39K	743.28K	1.25M	1.61M	11.7M	14.3M	14.22M	11.16M	13.53M
Fixed Asset Turnover	186.44x	126.40x	104.25x	64.94x	13.25x	15.33x	19.63x	26.59x	23.15x
Goodwill	94.05M	119.53M	119.53M	389.66M	458.97M	824.08M	827.81M	716.79M	716.79M
Intangible Assets	62.53M	73.37M	68.22M	333.05M	369.23M	577.69M	500.57M	447.14M	389.03M
Long-Term Investments	0	0	263.25M	13.28M	0	0	28.67M	26.05M	11.53M
Other Non-Current Assets	1.6M	-193.49M	263.25M	13.84M	15.37M	28.79M	2.5M	-8.82M	2.5M
Total Assets+	164.44M	176.33K	263.49M	782.04M	1.11B	1.69B	1.63B	1.52B	1.57B
Asset Turnover	0.50x	532.81x	0.49x	0.13x	0.14x	0.13x	0.17x	0.20x	0.20x
Asset Growth %	-	-99.89%	149332.36%	196.8%	41.93%	51.88%	-3.5%	-6.58%	3.43%
Total Current Liabilities+	8.37M	156.6K	320.75K	51.71M	65.44M	92.35M	82.11M	57.46M	102.25M
Accounts Payable	1.2M	0	2.91M	9.59M	11.88M	20.08M	21.78M	22.03M	28.91M
Days Payables Outstanding	8.21	-	922.42	135.23	104.62	132.12	122.64	115.36	147.31
Short-Term Debt	2.5M	156.6K	4.9M	5.5M	6.76M	0	0	0	0
Deferred Revenue (Current)	0	-11.84M	-17.74M	30.54M	0	0	0	0	0
Other Current Liabilities	0	-1.41M	0	-9.88M	10.24M	26.06M	29.05M	898K	16.6M
Current Ratio	0.69x	0.16x	0.75x	0.85x	1.82x	1.04x	1.42x	3.14x	2.69x
Quick Ratio	0.69x	31.25x	19.39x	0.85x	1.82x	1.04x	1.42x	3.14x	2.69x
Cash Conversion Cycle	-	-	-	-	-	-	-	-	-
Total Non-Current Liabilities+	56.6M	156.6K	9.69M	269.82M	488.36M	680.46M	616.4M	631.58M	696.49M
Long-Term Debt	56.6M	0	89.32M	207.94M	249.95M	448.49M	451.32M	434.17M	496.78M
Capital Lease Obligations	0	0	0	0	8.84M	9.09M	8.29M	7.25M	10.51M
Deferred Tax Liabilities	0	0	0	768.34K	0	0	16.31M	0	0
Other Non-Current Liabilities	0	0	16.86K	60.86M	229.57M	222.88M	156.79M	190.17M	189.21M
Total Liabilities	64.97M	156.6K	10.01M	321.53M	553.8M	772.8M	698.51M	689.04M	798.74M
Total Debt+	59.1M	156.6K	94.22M	213.44M	267.08M	459.57M	461.88M	443.04M	508.51M
Net Debt	56.32M	130.78K	94.11M	188.82M	175.95M	409.52M	396.98M	324.95M	318.99M
Debt / Equity	0.59x	7.94x	0.37x	0.46x	0.48x	0.50x	0.50x	0.53x	0.66x
Debt / EBITDA	10.86x	0.01x	10.16x	-	9.27x	16.88x	7.63x	-	5.30x
Net Debt / EBITDA	10.35x	0.01x	10.15x	-	6.11x	15.04x	6.56x	-	3.32x
Interest Coverage	-	2.87x	-0.19x	-5.32x	-2.22x	-14.68x	-10.79x	-106.31x	-0.99x
Total Equity+	99.46M	19.73K	253.48M	460.52M	556.18M	913.04M	928.29M	830.79M	773.17M
Equity Growth %	-	-99.98%	1284660.98%	81.67%	20.77%	64.16%	1.67%	-10.5%	-6.94%
Book Value per Share	15.08	0.00	7.86	12.27	10.66	10.96	8.39	9.23	8.60
Total Shareholders' Equity	99.46M	19.73K	253.48M	254.35M	509.31M	874M	894.56M	815.13M	761.27M
Common Stock	99.46M	647	248.48M	3.75K	7.13K	9K	9K	9K	9K
Retained Earnings	0	-5.27K	1.52M	-53.88M	-175.93M	-226.02M	-213.18M	-323.67M	-333.83M
Treasury Stock	0	0	0	0	0	0	-10M	-12.53M	-53.78M
Accumulated OCI	0	0	-109.08M	313.4K	-6.44M	-2K	-3K	-3K	0
Minority Interest	0	0	0	206.16M	46.87M	39.03M	33.73M	15.65M	11.9M

Cash Flow

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	2.8M	21.14M	-961.1K	21.29M	28.49M	53.33M	74.22M	103.61M	150.09M
Operating CF Margin %	3.4%	22.5%	-0.74%	20.35%	18.37%	24.32%	26.58%	34.93%	47.95%
Operating CF Growth %	-	655.55%	-104.55%	2314.75%	33.83%	87.21%	39.18%	39.6%	44.85%
Net Income	-511.71K	9.45M	1.52M	-55.29M	-117.37M	-56.04M	8.74M	-117.42M	-10.35M
Depreciation & Amortization	3.7M	7.46M	10.42M	30.77M	60.81M	89.69M	107.75M	103.86M	103.71M
Stock-Based Compensation	136.73K	622.41K	796.97K	22.92M	19.45M	22.31M	20.25M	22.16M	24.39M
Deferred Taxes	0	5.07K	0	0	81K	-16.62M	-62.68M	3.02M	12.05M
Other Non-Cash Items	696.19K	993.15K	-2.67M	588.6K	65.66M	24.34M	-1.03M	88.91M	-10.11M
Working Capital Changes	-1.22M	2.62M	190.13K	22.3M	-143K	-10.36M	1.18M	3.08M	30.39M
Change in Receivables	-680.28K	-1.05M	-1.53M	-3.84M	-2.33M	-6.52M	696K	-3.99M	3.07M
Change in Inventory	0	0	0	0	0	0	0	0	0
Change in Payables	0	90.32K	320.75K	0	38K	4.77M	1.7M	-189K	6.88M
Cash from Investing+	-62.43M	-3.44M	-260.58M	-339.13M	-145.98M	-397.33M	-39.54M	-24.09M	-44.85M
Capital Expenditures	-319.89K	-3.44M	-5.8M	-701.54K	-994K	-2.86M	-3.18M	-733K	-989K
CapEx % of Revenue	0.39%	3.66%	4.46%	0.67%	0.64%	1.31%	1.14%	0.25%	0.32%
Acquisitions	-60.46M	0	0	-331.21M	-121.71M	-373.83M	0	40.27M	0
Investments	-	-	-	-	-	-	-	-	-
Other Investing	-1.65M	-2.99M	-4.88M	-7.22M	-23.28M	-18.14M	-36.37M	-63.63M	-43.86M
Cash from Financing+	65.96M	-8.99M	261.62M	350.69M	186.1M	313.84M	-17.46M	-28.94M	-12.67M
Debt Issued (Net)	-1.79M	8.52M	-1.9M	123.19M	43.72M	197.35M	0	-20M	82.35M
Equity Issued (Net)	0	-1000K	0	-1000K	1000K	1000K	-1000K	-1000K	-1000K
Dividends Paid	-6.34M	-5.48M	-6.31M	-6.9M	-1.5M	-62K	-951K	-3.52M	-2.35M
Share Repurchases	0	-10M	0	-4.51M	-1.42M	-4.04M	-10M	-2.53M	-41.54M
Other Financing	74.09M	-2.04M	0	238.92M	-364.61M	-21.5M	-6.51M	-2.89M	-51.13M
Net Change in Cash	6.33M	8.71M	83K	32.85M	68.6M	-30.16M	17.22M	50.58M	92.56M
Free Cash Flow+	2.48M	17.71M	-6.76M	20.58M	4.21M	29.82M	34.68M	39.25M	105.24M
FCF Margin %	3.01%	18.85%	-5.2%	19.68%	2.72%	13.6%	12.42%	13.23%	33.62%
FCF Growth %	-	614.37%	-138.17%	404.54%	-79.53%	607.74%	16.29%	13.18%	168.1%
FCF per Share	0.38	2.71	-0.21	0.55	0.08	0.36	0.31	0.44	1.17
FCF Conversion (FCF/Net Income)	-5.47x	2.24x	-0.63x	-0.38x	-0.27x	-1.06x	5.78x	-0.94x	-14.78x
Interest Paid	0	5.47M	5.67M	8.28M	11.49M	1.14M	1.54M	1.02M	4.84M
Taxes Paid	0	0	0	0	0	0	31K	1.33M	2.81M

Key Ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	-0.51%	19%	1.2%	-15.49%	-20.77%	-6.82%	1.39%	-12.56%	-1.27%
Return on Invested Capital (ROIC)	-	15.77%	-0.5%	-7.25%	-3.48%	-3.94%	-2.67%	-6.74%	-0.52%
Gross Margin	35.31%	38.69%	99.11%	75.27%	73.27%	74.69%	76.78%	76.5%	77.12%
Net Margin	-0.62%	10.06%	1.17%	-52.86%	-68.11%	-22.84%	4.6%	-37.25%	-3.24%
Debt / Equity	0.59x	7.94x	0.37x	0.46x	0.48x	0.50x	0.50x	0.53x	0.66x
Interest Coverage	-	2.87x	-0.19x	-5.32x	-2.22x	-14.68x	-10.79x	-106.31x	-0.99x
FCF Conversion	-5.47x	2.24x	-0.63x	-0.38x	-0.27x	-1.06x	5.78x	-0.94x	-14.78x
Revenue Growth	-	14.16%	38.38%	-19.54%	48.21%	41.42%	27.35%	6.23%	5.53%

US Stock Screener

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Repay Holdings Corporation (RPAY) 10-Year Financial Performance & Capital Metrics

RPAY •

TechnologyInfrastructure SoftwarePayments and fintech infrastructure

Revenue $313M +5.5%
EBITDA $96M +450.9%
Net Income -$10M +90.8%
EPS (Diluted) -0.11 +91.1%
Gross Margin 77.12% +0.8%
EBITDA Margin 30.65% +432.5%
Operating Margin -2.48% +93.4%
Net Margin -3.24% +91.3%
ROE -1.27% +89.9%
ROIC -0.52% +92.3%
Debt/Equity 0.66 +23.3%
Interest Coverage -0.99 +99.1%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓FCF machine: 33.6% free cash flow margin
✓Strong 5Y sales CAGR of 24.5%
✓Trading at only 0.3x book value

✗Weaknesses

✗Weak momentum: RS Rating 11 (bottom 11%)
✗Trading more than 30% below 52-week high
✗Low asset turnover indicates capital-intensive operations

Price & Volume

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Growth Metrics

Revenue CAGR

10Y-

5Y24.51%

3Y12.6%

TTM-0.58%

Profit (Net Income) CAGR

10Y-

5Y-

3Y-

TTM-52.19%

EPS CAGR

10Y-

5Y-

3Y-

TTM-57%

ROCE

10Y Avg-0.79%

5Y Avg-3.73%

3Y Avg-3.65%

Latest-0.53%

Peer Comparison

Payments and fintech infrastructure

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
KLARKlarna Group plc	5.12B	13.56	2023.88	21.17%	-9.29%	-10.65%	10.6%	0.35
AFRMAffirm Holdings, Inc.	15.27B	46.98	313.20	38.8%	9.66%	7.96%	3.94%	2.56
RELYRemitly Global, Inc.	3.5B	16.70	53.87	29.37%	1.36%	2.63%	8.46%	0.22
TOSTToast, Inc.	14.28B	27.31	48.77	24.05%	5.56%	16.1%	4.26%	0.02
DLODLocal Limited	2.03B	12.24	31.38	14.7%	17.8%	33.87%		0.11
XYZBlock, Inc.	38.35B	63.70	30.33	0.3%	5.39%	5.88%	6.32%	0.33
CSGSCSG Systems International, Inc.	2.31B	79.90	26.37	2.39%	7.17%	30.93%	4.91%	2.03
CPAYCorpay, Inc.	22.81B	325.10	23.27	5.77%	24.37%	25.52%	7.74%	2.54

Profit & Loss

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Sales/Revenue+	82.3M	93.95M	130.01M	104.6M	155.04M	219.26M	279.23M	296.63M	313.04M
Revenue Growth %	-	14.16%	38.38%	-19.54%	48.21%	41.42%	27.35%	6.23%	5.53%
Cost of Goods Sold+	53.24M	57.6M	1.15M	25.87M	41.45M	55.48M	64.83M	69.7M	71.64M
COGS % of Revenue	64.69%	61.31%	0.89%	24.73%	26.73%	25.31%	23.22%	23.5%	22.88%
Gross Profit+	29.06M	36.35M	128.86M	78.73M	113.59M	163.77M	214.4M	226.92M	241.41M
Gross Margin %	35.31%	38.69%	99.11%	75.27%	73.27%	74.69%	76.78%	76.5%	77.12%
Gross Profit Growth %	-	25.1%	254.5%	-38.9%	44.28%	44.18%	30.91%	5.84%	6.38%
Operating Expenses+	27.32M	22.06M	1.15M	126.94M	145.6M	217.77M	261.6M	338.34M	249.18M
OpEx % of Revenue	33.2%	23.48%	0.89%	121.35%	93.91%	99.32%	93.69%	114.06%	79.6%
Selling, General & Admin	23.57M	14.6M	1.15M	0	0	0	149.06M	0	145.47M
SG&A % of Revenue	28.65%	15.54%	0.89%	-	-	-	53.38%	-	46.47%
Research & Development	0	0	0	0	0	0	0	0	0
R&D % of Revenue	-	-	-	-	-	-	-	-	-
Other Operating Expenses	0	-1.23M	0	126.94M	145.6M	217.77M	112.54M	338.34M	103.71M
Operating Income+	1.75M	16.39M	-1.15M	-48.21M	-32.01M	-54M	-47.2M	-111.41M	-7.77M
Operating Margin %	2.12%	17.44%	-0.89%	-46.09%	-20.65%	-24.63%	-16.9%	-37.56%	-2.48%
Operating Income Growth %	-	838.78%	-107.02%	-4087.59%	33.6%	-68.69%	12.59%	-136.04%	93.03%
EBITDA+	5.44M	23.85M	9.27M	-18.23M	28.8M	27.23M	60.55M	-27.34M	95.94M
EBITDA Margin %	6.61%	25.38%	7.13%	-17.43%	18.57%	12.42%	21.68%	-9.22%	30.65%
EBITDA Growth %	-	338.2%	-61.13%	-296.65%	257.97%	-5.44%	122.36%	-145.16%	450.85%
D&A (Non-Cash Add-back)	3.7M	7.46M	10.42M	29.98M	60.81M	81.23M	107.75M	84.07M	103.71M
EBIT	1.75M	15.15M	16.61M	-28.11M	-34.52M	-45.97M	19.29M	-25.59M	-3.05M
Net Interest Income+	0	-5.71M	-6.07M	-9.07M	-14.45M	-3.68M	-4.25M	-1.05M	-1.88M
Interest Income	2.25M	0	0	0	0	0	130K	0	5.99M
Interest Expense	0	5.71M	6.07M	9.07M	14.45M	3.68M	4.38M	1.05M	7.87M
Other Income/Expense	-2.26M	-6.94M	-6.07M	-17.36M	-73M	-32.73M	62.12M	-8.12M	-3.15M
Pretax Income+	-511.71K	9.45M	1.52M	-65.57M	-105.01M	-86.73M	14.91M	-119.53M	-10.92M
Pretax Margin %	-0.62%	10.06%	1.17%	-62.69%	-67.73%	-39.56%	5.34%	-40.3%	-3.49%
Income Tax+	0	0	-2.67M	4.99M	12.36M	-30.69M	6.17M	-2.12M	-575K
Effective Tax Rate %	100%	100%	100%	84.32%	100.56%	57.75%	86.06%	92.43%	93%
Net Income+	-511.71K	9.45M	1.52M	-55.29M	-105.6M	-50.08M	12.84M	-110.49M	-10.16M
Net Margin %	-0.62%	10.06%	1.17%	-52.86%	-68.11%	-22.84%	4.6%	-37.25%	-3.24%
Net Income Growth %	-	1946.42%	-83.88%	-3729.36%	-90.99%	52.57%	125.63%	-960.78%	90.81%
Net Income (Continuing)	-511.71K	9.45M	10.54M	-70.56M	-117.37M	-56.04M	8.74M	-117.42M	-10.35M
Discontinued Operations	0	0	0	0	0	0	0	0	0
Minority Interest	0	0	0	206.16M	46.87M	39.03M	33.73M	15.65M	11.9M
EPS (Diluted)+	-0.08	1.45	0.05	0.28	-0.67	-0.60	0.12	-1.23	-0.11
EPS Growth %	-	1958.97%	-96.74%	493.22%	-339.29%	10.45%	120%	-1125%	91.06%
EPS (Basic)	-0.08	1.45	0.05	0.28	-0.67	-0.60	0.14	-1.23	-0.11
Diluted Shares Outstanding	6.6M	6.52M	32.25M	37.53M	52.18M	83.32M	110.67M	90.05M	89.92M
Basic Shares Outstanding	6.6M	6.52M	32.25M	37.53M	52.18M	83.32M	88.79M	90.05M	89.92M
Dividend Payout Ratio	-	57.99%	414.06%	-	-	-	7.41%	-	-

Balance Sheet

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Total Current Assets+	5.82M	25.82K	239.43K	43.88M	119.37M	95.71M	116.65M	180.65M	275.25M
Cash & Short-Term Investments	2.78M	25.82K	108.82K	24.62M	91.13M	50.05M	64.89M	118.1M	189.53M
Cash Only	2.78M	25.82K	108.82K	24.62M	91.13M	50.05M	64.89M	118.1M	189.53M
Short-Term Investments	0	0	0	0	0	0	0	0	0
Accounts Receivable	2.84M	0	5.98M	14.63M	21.31M	33.24M	33.54M	36.02M	32.95M
Days Sales Outstanding	12.59	-	16.79	51.05	50.17	55.33	43.85	44.32	38.42
Inventory	0	-4.87M	-5.98M	0	0	0	0	0	0
Days Inventory Outstanding	-	-	-	-	-	-	-	-	-
Other Current Assets	0	0	0	0	0	-32	18.21M	26.53M	35.65M
Total Non-Current Assets+	158.62M	150.51K	263.25M	738.16M	990.61M	1.59B	1.51B	1.34B	1.3B
Property, Plant & Equipment	441.39K	743.28K	1.25M	1.61M	11.7M	14.3M	14.22M	11.16M	13.53M
Fixed Asset Turnover	186.44x	126.40x	104.25x	64.94x	13.25x	15.33x	19.63x	26.59x	23.15x
Goodwill	94.05M	119.53M	119.53M	389.66M	458.97M	824.08M	827.81M	716.79M	716.79M
Intangible Assets	62.53M	73.37M	68.22M	333.05M	369.23M	577.69M	500.57M	447.14M	389.03M
Long-Term Investments	0	0	263.25M	13.28M	0	0	28.67M	26.05M	11.53M
Other Non-Current Assets	1.6M	-193.49M	263.25M	13.84M	15.37M	28.79M	2.5M	-8.82M	2.5M
Total Assets+	164.44M	176.33K	263.49M	782.04M	1.11B	1.69B	1.63B	1.52B	1.57B
Asset Turnover	0.50x	532.81x	0.49x	0.13x	0.14x	0.13x	0.17x	0.20x	0.20x
Asset Growth %	-	-99.89%	149332.36%	196.8%	41.93%	51.88%	-3.5%	-6.58%	3.43%
Total Current Liabilities+	8.37M	156.6K	320.75K	51.71M	65.44M	92.35M	82.11M	57.46M	102.25M
Accounts Payable	1.2M	0	2.91M	9.59M	11.88M	20.08M	21.78M	22.03M	28.91M
Days Payables Outstanding	8.21	-	922.42	135.23	104.62	132.12	122.64	115.36	147.31
Short-Term Debt	2.5M	156.6K	4.9M	5.5M	6.76M	0	0	0	0
Deferred Revenue (Current)	0	-11.84M	-17.74M	30.54M	0	0	0	0	0
Other Current Liabilities	0	-1.41M	0	-9.88M	10.24M	26.06M	29.05M	898K	16.6M
Current Ratio	0.69x	0.16x	0.75x	0.85x	1.82x	1.04x	1.42x	3.14x	2.69x
Quick Ratio	0.69x	31.25x	19.39x	0.85x	1.82x	1.04x	1.42x	3.14x	2.69x
Cash Conversion Cycle	-	-	-	-	-	-	-	-	-
Total Non-Current Liabilities+	56.6M	156.6K	9.69M	269.82M	488.36M	680.46M	616.4M	631.58M	696.49M
Long-Term Debt	56.6M	0	89.32M	207.94M	249.95M	448.49M	451.32M	434.17M	496.78M
Capital Lease Obligations	0	0	0	0	8.84M	9.09M	8.29M	7.25M	10.51M
Deferred Tax Liabilities	0	0	0	768.34K	0	0	16.31M	0	0
Other Non-Current Liabilities	0	0	16.86K	60.86M	229.57M	222.88M	156.79M	190.17M	189.21M
Total Liabilities	64.97M	156.6K	10.01M	321.53M	553.8M	772.8M	698.51M	689.04M	798.74M
Total Debt+	59.1M	156.6K	94.22M	213.44M	267.08M	459.57M	461.88M	443.04M	508.51M
Net Debt	56.32M	130.78K	94.11M	188.82M	175.95M	409.52M	396.98M	324.95M	318.99M
Debt / Equity	0.59x	7.94x	0.37x	0.46x	0.48x	0.50x	0.50x	0.53x	0.66x
Debt / EBITDA	10.86x	0.01x	10.16x	-	9.27x	16.88x	7.63x	-	5.30x
Net Debt / EBITDA	10.35x	0.01x	10.15x	-	6.11x	15.04x	6.56x	-	3.32x
Interest Coverage	-	2.87x	-0.19x	-5.32x	-2.22x	-14.68x	-10.79x	-106.31x	-0.99x
Total Equity+	99.46M	19.73K	253.48M	460.52M	556.18M	913.04M	928.29M	830.79M	773.17M
Equity Growth %	-	-99.98%	1284660.98%	81.67%	20.77%	64.16%	1.67%	-10.5%	-6.94%
Book Value per Share	15.08	0.00	7.86	12.27	10.66	10.96	8.39	9.23	8.60
Total Shareholders' Equity	99.46M	19.73K	253.48M	254.35M	509.31M	874M	894.56M	815.13M	761.27M
Common Stock	99.46M	647	248.48M	3.75K	7.13K	9K	9K	9K	9K
Retained Earnings	0	-5.27K	1.52M	-53.88M	-175.93M	-226.02M	-213.18M	-323.67M	-333.83M
Treasury Stock	0	0	0	0	0	0	-10M	-12.53M	-53.78M
Accumulated OCI	0	0	-109.08M	313.4K	-6.44M	-2K	-3K	-3K	0
Minority Interest	0	0	0	206.16M	46.87M	39.03M	33.73M	15.65M	11.9M

Cash Flow

	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	2.8M	21.14M	-961.1K	21.29M	28.49M	53.33M	74.22M	103.61M	150.09M
Operating CF Margin %	3.4%	22.5%	-0.74%	20.35%	18.37%	24.32%	26.58%	34.93%	47.95%
Operating CF Growth %	-	655.55%	-104.55%	2314.75%	33.83%	87.21%	39.18%	39.6%	44.85%
Net Income	-511.71K	9.45M	1.52M	-55.29M	-117.37M	-56.04M	8.74M	-117.42M	-10.35M
Depreciation & Amortization	3.7M	7.46M	10.42M	30.77M	60.81M	89.69M	107.75M	103.86M	103.71M
Stock-Based Compensation	136.73K	622.41K	796.97K	22.92M	19.45M	22.31M	20.25M	22.16M	24.39M
Deferred Taxes	0	5.07K	0	0	81K	-16.62M	-62.68M	3.02M	12.05M
Other Non-Cash Items	696.19K	993.15K	-2.67M	588.6K	65.66M	24.34M	-1.03M	88.91M	-10.11M
Working Capital Changes	-1.22M	2.62M	190.13K	22.3M	-143K	-10.36M	1.18M	3.08M	30.39M
Change in Receivables	-680.28K	-1.05M	-1.53M	-3.84M	-2.33M	-6.52M	696K	-3.99M	3.07M
Change in Inventory	0	0	0	0	0	0	0	0	0
Change in Payables	0	90.32K	320.75K	0	38K	4.77M	1.7M	-189K	6.88M
Cash from Investing+	-62.43M	-3.44M	-260.58M	-339.13M	-145.98M	-397.33M	-39.54M	-24.09M	-44.85M
Capital Expenditures	-319.89K	-3.44M	-5.8M	-701.54K	-994K	-2.86M	-3.18M	-733K	-989K
CapEx % of Revenue	0.39%	3.66%	4.46%	0.67%	0.64%	1.31%	1.14%	0.25%	0.32%
Acquisitions	-60.46M	0	0	-331.21M	-121.71M	-373.83M	0	40.27M	0
Investments	-	-	-	-	-	-	-	-	-
Other Investing	-1.65M	-2.99M	-4.88M	-7.22M	-23.28M	-18.14M	-36.37M	-63.63M	-43.86M
Cash from Financing+	65.96M	-8.99M	261.62M	350.69M	186.1M	313.84M	-17.46M	-28.94M	-12.67M
Debt Issued (Net)	-1.79M	8.52M	-1.9M	123.19M	43.72M	197.35M	0	-20M	82.35M
Equity Issued (Net)	0	-1000K	0	-1000K	1000K	1000K	-1000K	-1000K	-1000K
Dividends Paid	-6.34M	-5.48M	-6.31M	-6.9M	-1.5M	-62K	-951K	-3.52M	-2.35M
Share Repurchases	0	-10M	0	-4.51M	-1.42M	-4.04M	-10M	-2.53M	-41.54M
Other Financing	74.09M	-2.04M	0	238.92M	-364.61M	-21.5M	-6.51M	-2.89M	-51.13M
Net Change in Cash	6.33M	8.71M	83K	32.85M	68.6M	-30.16M	17.22M	50.58M	92.56M
Free Cash Flow+	2.48M	17.71M	-6.76M	20.58M	4.21M	29.82M	34.68M	39.25M	105.24M
FCF Margin %	3.01%	18.85%	-5.2%	19.68%	2.72%	13.6%	12.42%	13.23%	33.62%
FCF Growth %	-	614.37%	-138.17%	404.54%	-79.53%	607.74%	16.29%	13.18%	168.1%
FCF per Share	0.38	2.71	-0.21	0.55	0.08	0.36	0.31	0.44	1.17
FCF Conversion (FCF/Net Income)	-5.47x	2.24x	-0.63x	-0.38x	-0.27x	-1.06x	5.78x	-0.94x	-14.78x
Interest Paid	0	5.47M	5.67M	8.28M	11.49M	1.14M	1.54M	1.02M	4.84M
Taxes Paid	0	0	0	0	0	0	31K	1.33M	2.81M

Key Ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	-0.51%	19%	1.2%	-15.49%	-20.77%	-6.82%	1.39%	-12.56%	-1.27%
Return on Invested Capital (ROIC)	-	15.77%	-0.5%	-7.25%	-3.48%	-3.94%	-2.67%	-6.74%	-0.52%
Gross Margin	35.31%	38.69%	99.11%	75.27%	73.27%	74.69%	76.78%	76.5%	77.12%
Net Margin	-0.62%	10.06%	1.17%	-52.86%	-68.11%	-22.84%	4.6%	-37.25%	-3.24%
Debt / Equity	0.59x	7.94x	0.37x	0.46x	0.48x	0.50x	0.50x	0.53x	0.66x
Interest Coverage	-	2.87x	-0.19x	-5.32x	-2.22x	-14.68x	-10.79x	-106.31x	-0.99x
FCF Conversion	-5.47x	2.24x	-0.63x	-0.38x	-0.27x	-1.06x	5.78x	-0.94x	-14.78x
Revenue Growth	-	14.16%	38.38%	-19.54%	48.21%	41.42%	27.35%	6.23%	5.53%

Repay Holdings Corporation (RPAY) 10-Year Financial Performance & Capital Metrics

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Repay Holdings Corporation (RPAY) 10-Year Financial Performance & Capital Metrics

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