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Repay Holdings Corporation(RPAY)Earnings, Financials & Key Ratios
RPAY•NASDAQ
$3.57
$314M mkt cap·Price updated May 6, 2026
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$309M-1.2%
- EBITDA$90M-6.2%
- Net Income-$257M-2427.8%
- EPS (Diluted)-3.00-2627.3%
- Gross Margin75.02%-2.7%
- EBITDA Margin29.11%-5.0%
- Operating Margin-3.89%-56.8%
- Net Margin-83.01%-2458.7%
- ROE-40.91%-3130.7%
- ROIC-0.95%-83.7%
- Debt/Equity0.91+37.9%
- Interest Coverage-18.86-4772.6%
RPAY Key Insights
Repay Holdings Corporation (RPAY) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓FCF machine: 29.5% free cash flow margin
- ✓Strong 5Y sales CAGR of 14.8%
- ✓Share count reduced 4.8% through buybacks
- ✓Trading at only 0.6x book value
✗Weaknesses
- ✗Profits declining 19.4% over 5 years
- ✗Trading more than 30% below 52-week high
- ✗Low asset turnover indicates capital-intensive operations
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
RPAY Price & Volume
Repay Holdings Corporation (RPAY) stock price & volume — 10-year historical chart
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RPAY Growth Metrics
Repay Holdings Corporation (RPAY) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years14.81%
3 Years3.46%
TTM1%
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM-1906.96%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM-1997.33%
Return on Capital
10 Years-0.81%
5 Years-3.21%
3 Years-2.98%
Last Year-0.99%
RPAY Recent Earnings
Repay Holdings Corporation (RPAY) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 3/12 qtrs (25%)●Beat Revenue 8/12 qtrs (67%)
Q2 2026Latest
May 4, 2026EPS
$0.22
Est $0.22
+0.0%
Revenue
$81M
Est $80M
+0.4%
Q2 2026
Mar 9, 2026EPS
$0.19
Est $0.22
-13.6%
Revenue
$79M
Est $77M
+2.3%
Q4 2025
Nov 10, 2025EPS
$0.21
Est $0.21
-1.3%
Revenue
$78M
Est $77M
+1.0%
Q3 2025
Aug 11, 2025EPS
$0.20
Est $0.20
+0.0%
Revenue
$76M
Est $76M
-0.9%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 4, 2026 | $0.22vs $0.22+0.0% | $81Mvs $80M+0.4% |
| Q2 2026 | Mar 9, 2026 | $0.19vs $0.22-13.6% | $79Mvs $77M+2.3% |
| Q4 2025 | Nov 10, 2025 | $0.21vs $0.21-1.3% | $78Mvs $77M+1.0% |
| Q3 2025 | Aug 11, 2025 | $0.20vs $0.20+0.0% | $76Mvs $76M-0.9% |
Based on last 12 quarters of dataView full earnings history →
RPAY Peer Comparison
Repay Holdings Corporation (RPAY) competitors in Payments and fintech infrastructure — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 PRTH | 428.37M | 5.23 | 7.69 | 8.33% | 5.84% | 17.53% | ||
 USIO | 37.16M | 1.34 | -14.36 | 2.97% | -2.94% | -13.52% | 2.9% | 0.14 |
 EVTC | 1.82B | 28.38 | 12.84 | 1913.07% | 2.2% | 4.44% | 100% | 1.39 |
 FOUR | 3.75B | 40.96 | 13.52 | 29.86% | 5.02% | 8.73% | 8.29% | 2.83 |
 FLYW | 1.73B | 14.53 | 132.09 | 26.59% | 6.65% | 5.87% | 5.7% | |
 IIIV | 494.91M | 22.40 | 40 | -7.29% | 7.33% | 3.22% | 0.76% | 0.01 |
 PAYC | 7.36B | 131.68 | 14.76 | 11.19% | 22.65% | 26.51% | 4.63% | 0.05 |
 V | 617.8B | 322.03 | 31.57 | 11.34% | 50.14% | 58.9% | 3.49% | 0.66 |
Compare RPAY vs Peers
Repay Holdings Corporation (RPAY) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
RPAY Income Statement
Repay Holdings Corporation (RPAY) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Sales/Revenue | 93.95M | 130.01M | 104.6M | 155.04M | 219.26M | 279.23M | 296.63M | 313.04M | 309.26M | 312.73M |
| Revenue Growth % | 14.16% | 38.38% | -19.54% | 48.21% | 41.42% | 27.35% | 6.23% | 5.53% | -1.21% | 1% |
| Cost of Goods Sold | 57.6M | 1.15M | 25.87M | 41.45M | 55.48M | 64.83M | 69.7M | 71.64M | 77.24M | 58.58M |
| COGS % of Revenue | 61.31% | 0.89% | 24.73% | 26.73% | 25.31% | 23.22% | 23.5% | 22.88% | 24.98% | - |
| Gross Profit | 36.35M▲ 0% | 128.86M▲ 254.5% | 78.73M▼ 38.9% | 113.59M▲ 44.3% | 163.77M▲ 44.2% | 214.4M▲ 30.9% | 226.92M▲ 5.8% | 241.41M▲ 6.4% | 232.02M▼ 3.9% | 173.36M▲ 0% |
| Gross Margin % | 38.69% | 99.11% | 75.27% | 73.27% | 74.69% | 76.78% | 76.5% | 77.12% | 75.02% | 55.43% |
| Gross Profit Growth % | 25.1% | 254.5% | -38.9% | 44.28% | 44.18% | 30.91% | 5.84% | 6.38% | -3.89% | - |
| Operating Expenses | 22.06M | 1.15M | 126.94M | 145.6M | 217.77M | 261.6M | 338.34M | 249.18M | 244.05M | 366.35M |
| OpEx % of Revenue | 23.48% | 0.89% | 121.35% | 93.91% | 99.32% | 93.69% | 114.06% | 79.6% | 78.91% | - |
| Selling, General & Admin | 14.6M | 1.15M | 0 | 0 | 0 | 149.06M | 0 | 145.47M | 142.01M | 140.97M |
| SG&A % of Revenue | 15.54% | 0.89% | - | - | - | 53.38% | - | 46.47% | 45.92% | - |
| Research & Development | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| R&D % of Revenue | - | - | - | - | - | - | - | - | - | - |
| Other Operating Expenses | -1.23M | 0 | 126.94M | 145.6M | 217.77M | 112.54M | 338.34M | 103.71M | 102.05M | 4M |
| Operating Income | 16.39M▲ 0% | -1.15M▼ 107.0% | -48.21M▼ 4087.6% | -32.01M▲ 33.6% | -54M▼ 68.7% | -47.2M▲ 12.6% | -111.41M▼ 136.0% | -7.77M▲ 93.0% | -12.03M▼ 54.9% | -112.2M▲ 0% |
| Operating Margin % | 17.44% | -0.89% | -46.09% | -20.65% | -24.63% | -16.9% | -37.56% | -2.48% | -3.89% | -35.88% |
| Operating Income Growth % | 838.78% | -107.02% | -4087.59% | 33.6% | -68.69% | 12.59% | -136.04% | 93.03% | -54.88% | - |
| EBITDA | 23.85M | 9.27M | -18.23M | 28.8M | 27.23M | 60.55M | -27.34M | 95.94M | 90.01M | -9.91M |
| EBITDA Margin % | 25.38% | 7.13% | -17.43% | 18.57% | 12.42% | 21.68% | -9.22% | 30.65% | 29.11% | -3.17% |
| EBITDA Growth % | 338.2% | -61.13% | -296.65% | 257.97% | -5.44% | 122.36% | -145.16% | 450.85% | -6.18% | -112.03% |
| D&A (Non-Cash Add-back) | 7.46M | 10.42M | 29.98M | 60.81M | 81.23M | 107.75M | 84.07M | 103.71M | 102.05M | 102.29M |
| EBIT | 15.15M | 16.61M | -28.11M | -34.52M | -45.97M | 19.29M | -25.59M | -3.05M | -263.01M | -257.5M |
| Net Interest Income | -5.71M | -6.07M | -9.07M | -14.45M | -3.68M | -4.25M | -1.05M | -1.88M | -9.89M | -8.13M |
| Interest Income | 0 | 0 | 0 | 0 | 0 | 130K | 0 | 5.99M | 4.06M | 3.12M |
| Interest Expense | 5.71M | 6.07M | 9.07M | 14.45M | 3.68M | 4.38M | 1.05M | 7.87M | 13.95M | 7M |
| Other Income/Expense | -6.94M | -6.07M | -17.36M | -73M | -32.73M | 62.12M | -8.12M | -3.15M | -264.92M | -164.14M |
| Pretax Income | 9.45M▲ 0% | 1.52M▼ 83.9% | -65.57M▼ 4404.2% | -105.01M▼ 60.1% | -86.73M▲ 17.4% | 14.91M▲ 117.2% | -119.53M▼ 901.4% | -10.92M▲ 90.9% | -276.96M▼ 2436.2% | -276.34M▲ 0% |
| Pretax Margin % | 10.06% | 1.17% | -62.69% | -67.73% | -39.56% | 5.34% | -40.3% | -3.49% | -89.55% | -88.36% |
| Income Tax | 0 | -2.67M | 4.99M | 12.36M | -30.69M | 6.17M | -2.12M | -575K | -5.87M | -7.45M |
| Effective Tax Rate % | 0% | -175.57% | -7.61% | -11.77% | 35.39% | 41.39% | 1.77% | 5.27% | 2.12% | 2.7% |
| Net Income | 9.45M▲ 0% | 1.52M▼ 83.9% | -55.29M▼ 3729.4% | -105.6M▼ 91.0% | -50.08M▲ 52.6% | 12.84M▲ 125.6% | -110.49M▼ 960.8% | -10.16M▲ 90.8% | -256.72M▼ 2427.8% | -258.72M▲ 0% |
| Net Margin % | 10.06% | 1.17% | -52.86% | -68.11% | -22.84% | 4.6% | -37.25% | -3.24% | -83.01% | -82.73% |
| Net Income Growth % | 1946.42% | -83.88% | -3729.36% | -90.99% | 52.57% | 125.63% | -960.78% | 90.81% | -2427.81% | -1906.96% |
| Net Income (Continuing) | 9.45M | 10.54M | -70.56M | -117.37M | -56.04M | 8.74M | -117.42M | -10.35M | -271.09M | -272.86M |
| Discontinued Operations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Minority Interest | 0 | 0 | 206.16M | 46.87M | 39.03M | 33.73M | 15.65M | 11.9M | -2.65M | -2.74M |
| EPS (Diluted) | 1.45▲ 0% | 0.05▼ 96.7% | 0.28▲ 493.2% | -0.67▼ 339.3% | -0.60▲ 10.4% | 0.12▲ 120.0% | -1.23▼ 1125.0% | -0.11▲ 91.1% | -3.00▼ 2627.3% | -3.14▲ 0% |
| EPS Growth % | 1958.97% | -96.74% | 493.22% | -339.29% | 10.45% | 120% | -1125% | 91.06% | -2627.27% | -1997.33% |
| EPS (Basic) | 1.45 | 0.05 | 0.28 | -0.67 | -0.60 | 0.14 | -1.23 | -0.11 | -3.00 | - |
| Diluted Shares Outstanding | 6.52M | 32.25M | 37.53M | 52.18M | 83.32M | 110.67M | 90.05M | 89.92M | 85.56M | 82.52M |
| Basic Shares Outstanding | 6.52M | 32.25M | 37.53M | 52.18M | 83.32M | 88.79M | 90.05M | 89.92M | 85.56M | 82.52M |
| Dividend Payout Ratio | 57.99% | 414.06% | - | - | - | 7.41% | - | - | - | - |
RPAY Balance Sheet
Repay Holdings Corporation (RPAY) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Current Assets | 25.82K | 239.43K | 43.88M | 119.37M | 95.71M | 116.65M | 180.65M | 275.25M | 196.83M | 131.01M |
| Cash & Short-Term Investments | 25.82K | 108.82K | 24.62M | 91.13M | 50.05M | 64.89M | 118.1M | 189.53M | 115.69M | 43.77M |
| Cash Only | 25.82K | 108.82K | 24.62M | 91.13M | 50.05M | 64.89M | 118.1M | 189.53M | 115.69M | 43.77M |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accounts Receivable | 0 | 5.98M | 14.63M | 21.31M | 33.24M | 33.54M | 36.02M | 32.95M | 36.37M | 228.41M |
| Days Sales Outstanding | - | 16.79 | 51.05 | 50.17 | 55.33 | 43.85 | 44.32 | 38.42 | 42.93 | 155.07 |
| Inventory | -4.87M | -5.98M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Days Inventory Outstanding | - | - | - | - | - | - | - | - | - | - |
| Other Current Assets | 0 | 0 | 0 | 0 | -32 | 18.21M | 26.53M | 35.65M | 44.77M | -141.17M |
| Total Non-Current Assets | 150.51K | 263.25M | 738.16M | 990.61M | 1.59B | 1.51B | 1.34B | 1.3B | 1B | 1.01B |
| Property, Plant & Equipment | 743.28K | 1.25M | 1.61M | 11.7M | 14.3M | 14.22M | 11.16M | 13.53M | 10.11M | 9.39M |
| Fixed Asset Turnover | 126.40x | 104.25x | 64.94x | 13.25x | 15.33x | 19.63x | 26.59x | 23.15x | 30.59x | 29.50x |
| Goodwill | 119.53M | 119.53M | 389.66M | 458.97M | 824.08M | 827.81M | 716.79M | 716.79M | 474.51M | 474.51M |
| Intangible Assets | 73.37M | 68.22M | 333.05M | 369.23M | 577.69M | 500.57M | 447.14M | 389.03M | 329.84M | 338.34M |
| Long-Term Investments | 0 | 263.25M | 13.28M | 0 | 0 | 28.67M | 26.05M | 11.53M | 10.63M | 22.25M |
| Other Non-Current Assets | -193.49M | 263.25M | 13.84M | 15.37M | 28.79M | 2.5M | -8.82M | 2.5M | 4.79M | 208.82M |
| Total Assets | 176.33K▲ 0% | 263.49M▲ 149332.4% | 782.04M▲ 196.8% | 1.11B▲ 41.9% | 1.69B▲ 51.9% | 1.63B▼ 3.5% | 1.52B▼ 6.6% | 1.57B▲ 3.4% | 1.2B▼ 23.7% | 1.14B▲ 0% |
| Asset Turnover | 532.81x | 0.49x | 0.13x | 0.14x | 0.13x | 0.17x | 0.20x | 0.20x | 0.26x | 0.25x |
| Asset Growth % | -99.89% | 149332.36% | 196.8% | 41.93% | 51.88% | -3.5% | -6.58% | 3.43% | -23.68% | -71.24% |
| Total Current Liabilities | 156.6K | 320.75K | 51.71M | 65.44M | 92.35M | 82.11M | 57.46M | 102.25M | 240.65M | 73.23M |
| Accounts Payable | 0 | 2.91M | 9.59M | 11.88M | 20.08M | 21.78M | 22.03M | 28.91M | 25.18M | 23.93M |
| Days Payables Outstanding | - | 922.42 | 135.23 | 104.62 | 132.12 | 122.64 | 115.36 | 147.31 | 118.97 | 144.92 |
| Short-Term Debt | 156.6K | 4.9M | 5.5M | 6.76M | 0 | 0 | 0 | 0 | 148.03M | 1.46M |
| Deferred Revenue (Current) | -11.84M | -17.74M | 30.54M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Liabilities | -1.41M | 0 | -9.88M | 10.24M | 26.06M | 29.05M | 898K | 16.6M | 65.9M | 71.78M |
| Current Ratio | 0.16x | 0.75x | 0.85x | 1.82x | 1.04x | 1.42x | 3.14x | 2.69x | 0.82x | 0.82x |
| Quick Ratio | 31.25x | 19.39x | 0.85x | 1.82x | 1.04x | 1.42x | 3.14x | 2.69x | 0.82x | 0.82x |
| Cash Conversion Cycle | - | - | - | - | - | - | - | - | - | 10.14 |
| Total Non-Current Liabilities | 156.6K | 9.69M | 269.82M | 488.36M | 680.46M | 616.4M | 631.58M | 696.49M | 477.32M | 592.31M |
| Long-Term Debt | 0 | 89.32M | 207.94M | 249.95M | 448.49M | 451.32M | 434.17M | 496.78M | 280.06M | 8.23M |
| Capital Lease Obligations | 0 | 0 | 0 | 8.84M | 9.09M | 8.29M | 7.25M | 10.51M | 8.79M | 27.6M |
| Deferred Tax Liabilities | 0 | 0 | 768.34K | 0 | 0 | 16.31M | 0 | 0 | 0 | 0 |
| Other Non-Current Liabilities | 0 | 16.86K | 60.86M | 229.57M | 222.88M | 156.79M | 190.17M | 189.21M | 188.46M | 1.17B |
| Total Liabilities | 156.6K | 10.01M | 321.53M | 553.8M | 772.8M | 698.51M | 689.04M | 798.74M | 717.97M | 665.54M |
| Total Debt | 156.6K | 94.22M | 213.44M | 267.08M | 459.57M | 461.88M | 443.04M | 508.51M | 436.88M | 9.68M |
| Net Debt | 130.78K | 94.11M | 188.82M | 175.95M | 409.52M | 396.98M | 324.95M | 318.99M | 321.19M | -34.09M |
| Debt / Equity | 7.94x | 0.37x | 0.46x | 0.48x | 0.50x | 0.50x | 0.53x | 0.66x | 0.91x | 0.91x |
| Debt / EBITDA | 0.01x | 10.16x | - | 9.27x | 16.88x | 7.63x | - | 5.30x | 4.85x | -0.98x |
| Net Debt / EBITDA | 0.01x | 10.15x | - | 6.11x | 15.04x | 6.56x | - | 3.32x | 3.57x | 3.57x |
| Interest Coverage | 2.66x | 2.74x | -3.10x | -2.39x | -12.50x | 4.41x | -24.41x | -0.39x | -18.86x | -36.81x |
| Total Equity | 19.73K▲ 0% | 253.48M▲ 1284661.0% | 460.52M▲ 81.7% | 556.18M▲ 20.8% | 913.04M▲ 64.2% | 928.29M▲ 1.7% | 830.79M▼ 10.5% | 773.17M▼ 6.9% | 481.78M▼ 37.7% | 475.26M▲ 0% |
| Equity Growth % | -99.98% | 1284660.98% | 81.67% | 20.77% | 64.16% | 1.67% | -10.5% | -6.94% | -37.69% | -117.91% |
| Book Value per Share | 0.00 | 7.86 | 12.27 | 10.66 | 10.96 | 8.39 | 9.23 | 8.60 | 5.63 | 5.76 |
| Total Shareholders' Equity | 19.73K | 253.48M | 254.35M | 509.31M | 874M | 894.56M | 815.13M | 761.27M | 484.43M | 478M |
| Common Stock | 647 | 248.48M | 3.75K | 7.13K | 9K | 9K | 9K | 9K | 8K | 8K |
| Retained Earnings | -5.27K | 1.52M | -53.88M | -175.93M | -226.02M | -213.18M | -323.67M | -333.83M | -590.55M | -600.49M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | -10M | -12.53M | -53.78M | -92.03M | 0 |
| Accumulated OCI | 0 | -109.08M | 313.4K | -6.44M | -2K | -3K | -3K | 0 | 0 | 0 |
| Minority Interest | 0 | 0 | 206.16M | 46.87M | 39.03M | 33.73M | 15.65M | 11.9M | -2.65M | -2.74M |
RPAY Cash Flow Statement
Repay Holdings Corporation (RPAY) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 21.14M | -961.1K | 21.29M | 28.49M | 53.33M | 74.22M | 103.61M | 150.09M | 91.11M | 91.11M |
| Operating CF Margin % | 22.5% | -0.74% | 20.35% | 18.37% | 24.32% | 26.58% | 34.93% | 47.95% | 29.46% | - |
| Operating CF Growth % | 655.55% | -104.55% | 2314.75% | 33.83% | 87.21% | 39.18% | 39.6% | 44.85% | -39.3% | 500.58% |
| Net Income | 9.45M | 1.52M | -55.29M | -117.37M | -56.04M | 8.74M | -117.42M | -10.35M | -271.09M | -258.72M |
| Depreciation & Amortization | 7.46M | 10.42M | 30.77M | 60.81M | 89.69M | 107.75M | 103.86M | 103.71M | 102.05M | 130.66M |
| Stock-Based Compensation | 622.41K | 796.97K | 22.92M | 19.45M | 22.31M | 20.25M | 22.16M | 24.39M | 18.33M | 18.01M |
| Deferred Taxes | 5.07K | 0 | 0 | 81K | -16.62M | -62.68M | 3.02M | 12.05M | 7.13M | -155.76M |
| Other Non-Cash Items | 993.15K | -2.67M | 588.6K | 65.66M | 24.34M | -1.03M | 88.91M | -10.11M | 244.69M | 365.26M |
| Working Capital Changes | 2.62M | 190.13K | 22.3M | -143K | -10.36M | 1.18M | 3.08M | 30.39M | -10M | 13.61M |
| Change in Receivables | -1.05M | -1.53M | -3.84M | -2.33M | -6.52M | 696K | -3.99M | 3.07M | -222K | 223K |
| Change in Inventory | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Change in Payables | 90.32K | 320.75K | 0 | 38K | 4.77M | 1.7M | -189K | 6.88M | -3.73M | -204K |
| Cash from Investing | -3.44M | -260.58M | -339.13M | -145.98M | -397.33M | -39.54M | -24.09M | -44.85M | -41.98M | -65.4M |
| Capital Expenditures | -3.44M | -5.8M | -701.54K | -994K | -2.86M | -3.18M | -733K | -989K | -286K | -21.03M |
| CapEx % of Revenue | 3.66% | 4.46% | 0.67% | 0.64% | 1.31% | 1.14% | 0.25% | 0.32% | 0.09% | - |
| Acquisitions | 0 | 0 | -331.21M | -121.71M | -373.83M | 0 | 40.27M | 0 | 0 | 0 |
| Investments | - | - | - | - | - | - | - | - | - | - |
| Other Investing | -2.99M | -4.88M | -7.22M | -23.28M | -18.14M | -36.37M | -63.63M | -43.86M | -41.7M | -44.36M |
| Cash from Financing | -8.99M | 261.62M | 350.69M | 186.1M | 313.84M | -17.46M | -28.94M | -12.67M | -130.19M | -162.42M |
| Debt Issued (Net) | 8.52M | -1.9M | 123.19M | 43.72M | 197.35M | 0 | -20M | 82.35M | -71.98M | -71.98M |
| Equity Issued (Net) | -10M | 0 | -4.51M | 508.49M | 138.06M | -10M | -2.53M | -41.54M | -38.55M | -15.9M |
| Dividends Paid | -5.48M | -6.31M | -6.9M | -1.5M | -62K | -951K | -3.52M | -2.35M | 0 | 0 |
| Share Repurchases | -10M | 0 | -4.51M | -1.42M | -4.04M | -10M | -2.53M | -41.54M | -38.55M | -15.9M |
| Other Financing | -2.04M | 0 | 238.92M | -364.61M | -21.5M | -6.51M | -2.89M | -51.13M | -19.66M | -74.54M |
| Net Change in Cash | 8.71M▲ 0% | 83K▼ 99.0% | 32.85M▲ 39478.5% | 68.6M▲ 108.8% | -30.16M▼ 144.0% | 17.22M▲ 157.1% | 50.58M▲ 193.7% | 92.56M▲ 83.0% | -80.17M▼ 186.6% | -121.39M▲ 0% |
| Free Cash Flow | 17.71M▲ 0% | -6.76M▼ 138.2% | 20.58M▲ 404.5% | 4.21M▼ 79.5% | 29.82M▲ 607.7% | 34.68M▲ 16.3% | 39.25M▲ 13.2% | 105.24M▲ 168.1% | 91.11M▼ 13.4% | 94.64M▲ 0% |
| FCF Margin % | 18.85% | -5.2% | 19.68% | 2.72% | 13.6% | 12.42% | 13.23% | 33.62% | 29.46% | 30.26% |
| FCF Growth % | 614.37% | -138.17% | 404.54% | -79.53% | 607.74% | 16.29% | 13.18% | 168.1% | -13.42% | -9.83% |
| FCF per Share | 2.71 | -0.21 | 0.55 | 0.08 | 0.36 | 0.31 | 0.44 | 1.17 | 1.06 | 1.06 |
| FCF Conversion (FCF/Net Income) | 2.24x | -0.63x | -0.38x | -0.27x | -1.06x | 5.78x | -0.94x | -14.78x | -0.35x | -0.37x |
| Interest Paid | 5.47M | 5.67M | 8.28M | 11.49M | 1.14M | 1.54M | 1.02M | 4.84M | 9.15M | 4.62M |
| Taxes Paid | 0 | 0 | 0 | 0 | 0 | 31K | 1.33M | 2.81M | 1.76M | -32K |
RPAY Key Ratios
Repay Holdings Corporation (RPAY) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 19% | 1.2% | -15.49% | -20.77% | -6.82% | 1.39% | -12.56% | -1.27% | -40.91% | -46.64% |
| Return on Invested Capital (ROIC) | 15.77% | -0.5% | -7.25% | -3.48% | -3.94% | -2.67% | -6.74% | -0.52% | -0.95% | -0.95% |
| Gross Margin | 38.69% | 99.11% | 75.27% | 73.27% | 74.69% | 76.78% | 76.5% | 77.12% | 75.02% | 55.43% |
| Net Margin | 10.06% | 1.17% | -52.86% | -68.11% | -22.84% | 4.6% | -37.25% | -3.24% | -83.01% | -82.73% |
| Debt / Equity | 7.94x | 0.37x | 0.46x | 0.48x | 0.50x | 0.50x | 0.53x | 0.66x | 0.91x | 0.91x |
| Interest Coverage | 2.66x | 2.74x | -3.10x | -2.39x | -12.50x | 4.41x | -24.41x | -0.39x | -18.86x | -36.81x |
| FCF Conversion | 2.24x | -0.63x | -0.38x | -0.27x | -1.06x | 5.78x | -0.94x | -14.78x | -0.35x | -0.37x |
| Revenue Growth | 14.16% | 38.38% | -19.54% | 48.21% | 41.42% | 27.35% | 6.23% | 5.53% | -1.21% | 1% |
RPAY SEC Filings & Documents
Repay Holdings Corporation (RPAY) SEC filings — annual & quarterly reports (10-K, 10-Q)
RPAY Frequently Asked Questions
Repay Holdings Corporation (RPAY) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Repay Holdings Corporation (RPAY) reported $312.7M in revenue for fiscal year 2025. This represents a 280% increase from $82.3M in 2016.
Repay Holdings Corporation (RPAY) saw revenue decline by 1.2% over the past year.
Repay Holdings Corporation (RPAY) reported a net loss of $258.7M for fiscal year 2025.
Dividend & Returns
Repay Holdings Corporation (RPAY) has a return on equity (ROE) of -40.9%. Negative ROE indicates the company is unprofitable.
Repay Holdings Corporation (RPAY) generated $94.6M in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.
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