RPAY
Company Description
Repay Holdings Corporation specializes in delivering comprehensive payment technology solutions, specifically designed for various specialized markets. The company empowers consumers and businesses alike to conduct electronic transactions efficiently. Repay's diverse portfolio of digital payment services includes processing for credit and debit cards, virtual card capabilities, both standard and enhanced Automated Clearing House (ACH) transactions, and immediate funding options. These services are seamlessly facilitated through its proprietary, multi-channel platforms, which feature web-based portals, mobile applications, text-to-pay functionality, interactive voice response (IVR) systems, and point-of-sale terminals. Repay primarily serves clients within the personal loans, automotive loans, receivables management, and business-to-business (B2B) sectors. Its solutions are distributed through a dedicated direct sales team and strategic software integration partnerships. Founded in 2006, Repay Holdings Corporation is headquartered in Atlanta, Georgia.
Track Record
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 309.26M | 313.04M | 296.63M | 279.23M | 219.26M | 155.04M | 104.60M | 130.01M | 93.95M | 82.30M |
| Net Income | (256.72M) | (10.16M) | (110.49M) | 12.84M | (50.08M) | (105.60M) | (55.29M) | 1.52M | 9.45M | (511,707) |
| EPS | -3.00 | -0.11 | -1.23 | 0.14 | -0.60 | -0.67 | 0.28 | 0.05 | 1.45 | -0.08 |
| Free Cash Flow | 91.11M | 105.24M | 39.25M | 34.68M | 29.82M | 4.21M | 20.58M | (6.76M) | 17.71M | 2.48M |
| FCF / Share | 1.06 | 1.17 | 0.44 | 0.39 | 0.36 | 0.08 | 0.55 | -0.21 | 2.71 | 0.38 |
| Operating CF | 91.11M | 150.09M | 103.61M | 74.22M | 53.33M | 28.49M | 21.29M | (961,096) | 21.14M | 2.80M |
| Total Assets | 1.20B | 1.57B | 1.52B | 1.63B | 1.69B | 1.11B | 782.04M | 263.49M | 176,330 | 164.44M |
| Total Debt | 436.88M | 508.51M | 443.04M | 461.88M | 459.57M | 267.08M | 213.44M | 94.22M | 156,600 | 59.10M |
| Cash & Equiv | 115.69M | 189.53M | 118.10M | 64.89M | 50.05M | 91.13M | 24.62M | 108,818 | 25,817 | 2.78M |
| Book Value | 484.43M | 761.27M | 815.13M | 894.56M | 874.00M | 509.31M | 254.35M | 253.48M | 19,730 | 99.46M |
| Return on Equity | -0.53 | -0.01 | -0.14 | 0.01 | -0.06 | -0.21 | -0.22 | 0.01 | 478.88 | -0.01 |
| Metric | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 100.70M | 80.79M | 78.58M | 77.72M | 75.63M | 77.33M | 78.27M | 79.14M | 74.91M | 80.72M | 75.99M | 74.32M |
| Net Income | (10.99M) | (9.94M) | (140.11M) | (6.41M) | (102.25M) | (7.95M) | (4.12M) | 3.24M | (4.07M) | (5.21M) | (73.29M) | (6.17M) |
| EPS | -0.13 | -0.12 | -1.71 | -0.08 | -1.15 | -0.09 | -0.05 | 0.04 | -0.04 | -0.06 | -0.80 | -0.07 |
| Free Cash Flow | 38.06M | (17.13M) | 13.78M | 20.78M | 22.60M | (8.03M) | 23.46M | 59.85M | 19.29M | 13.67M | 8.24M | 13.94M |
| FCF / Share | 0.46 | -0.21 | 0.17 | 0.25 | 0.25 | -0.09 | 0.27 | 0.68 | 0.21 | 0.15 | 0.09 | 0.15 |
| Operating CF | 40.24M | 16.82M | 23.32M | 32.23M | 33.06M | 2.50M | 34.25M | 60.06M | 30.98M | 24.80M | 34.86M | 27.97M |
| Total Assets | 1.61B | 1.14B | 1.20B | 1.33B | 1.41B | 1.54B | 1.57B | 1.56B | 1.52B | 1.52B | 1.52B | 1.58B |
| Total Debt | 772.85M | 400.27M | 436.88M | 436.56M | 509.53M | 508.90M | 508.51M | 508.37M | 441.87M | 441.55M | 443.04M | 443.29M |
| Cash & Equiv | 83.66M | 43.77M | 115.69M | 95.69M | 162.62M | 165.47M | 189.53M | 168.72M | 147.09M | 128.32M | 118.10M | 117.73M |
| Book Value | 472.54M | 478.00M | 484.43M | 616.90M | 633.70M | 755.72M | 761.27M | 754.68M | 815.41M | 813.81M | 815.13M | 880.21M |
| Return on Equity | -0.02 | -0.02 | -0.29 | -0.01 | -0.16 | -0.01 | -0.01 | 0.00 | -0.00 | -0.01 | -0.09 | -0.01 |
