RPAY

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Repay Holdings Corp.

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Key Metrics

Previous Close: $3.69
52-Week Range: $2.30 – $6.06
Market Cap: $340.39M
P/E (TTM): —
EPS (TTM): -2.01
Dividend Yield: —

Advanced Metrics

Price/Book: 0.56
PEG Ratio: —
Return on Equity: -31.83%
Return on Assets: -0.44%
Gross Margin: 73.49%
Operating Margin: -3.23%
Profit Margin: -49.57%
Current Ratio: 1.45
Debt/Equity: 1.65
Total Debt: $772.84M
Free Cash Flow: $61.31M
Revenue Growth: 33.20%
Earnings Growth: —
Enterprise Value: $991.80M

RPAY Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$279.23M	$296.63M	$313.04M	$309.26M
Cost of Revenue	$64.83M	$69.70M	$71.64M	$77.24M
Gross Profit	$214.40M	$226.92M	$241.41M	$232.02M
Selling, General & Admin	$149.06M	$148.65M	$145.47M	$142.01M
Operating Expenses	$256.81M	$252.51M	$249.18M	$244.05M
Operating Income	-$42.41M	-$25.59M	-$7.77M	-$12.03M
EBITDA	$127.04M	-$11.81M	$100.66M	-$160.96M
Pretax Income	$14.91M	-$119.53M	-$10.92M	-$276.96M
Income Tax	$6.17M	-$2.12M	-$575.00K	-$5.87M
Net Income	$12.84M	-$110.49M	-$10.16M	-$256.72M
Diluted EPS	0.12	-1.23	-0.11	-3.00
Diluted Shares	110.67M	90.05M	89.92M	85.56M

RPAY Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$64.89M	$118.10M	$189.53M	$115.69M
Receivables	$33.54M	$36.02M	$32.95M	$33.17M
Current Assets	$116.65M	$180.65M	$275.25M	$196.83M
Total Assets	$1.63B	$1.52B	$1.57B	$1.20B
Current Liabilities	$82.11M	$57.46M	$102.25M	$240.65M
Long-Term Debt	$451.32M	$434.17M	$496.78M	$280.06M
Total Debt	$461.88M	$443.04M	$508.51M	$436.88M
Total Liabilities	$698.51M	$689.04M	$798.74M	$717.97M
Retained Earnings	-$213.18M	-$323.67M	-$333.83M	-$590.55M
Shareholders' Equity	$894.56M	$815.13M	$761.27M	$484.43M
Working Capital	$34.55M	$123.18M	$173.00M	-$43.82M
Net Debt	$386.42M	$316.07M	$307.25M	$310.85M

RPAY Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$74.22M	$103.61M	$150.09M	$91.11M
Capital Expenditure	-$39.54M	-$64.36M	-$44.85M	-$41.98M
Free Cash Flow	$34.68M	$39.25M	$105.24M	$49.13M
Depreciation & Amortisation	$107.75M	$103.86M	$103.71M	$102.05M
Stock-Based Compensation	$20.25M	$22.16M	$24.39M	$18.33M
Investing Cash Flow	-$39.54M	-$24.09M	-$44.85M	-$41.98M
Financing Cash Flow	-$17.46M	-$28.94M	-$12.67M	-$130.19M
Dividends Paid	-$951.00K	-$3.52M	-$2.35M	$0.00
Share Repurchases	-$10.00M	-$2.53M	-$41.54M	-$38.55M
Net Change in Cash	$17.22M	$50.58M	$92.56M	-$81.06M

RPAY Income statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Revenue	$77.33M	$75.63M	$77.72M	$78.58M	$80.79M
Cost of Revenue	$18.66M	$18.40M	$19.93M	$20.24M	$19.31M
Gross Profit	$58.66M	$57.22M	$57.79M	$58.34M	$61.49M
Selling, General & Admin	$36.99M	$32.86M	$35.16M	$37.00M	$35.95M
Operating Expenses	$62.28M	$58.34M	$60.80M	$62.63M	$61.49M
Operating Income	-$3.62M	-$1.12M	-$3.01M	-$4.28M	-$7.00K
EBITDA	$19.78M	-$80.76M	$20.30M	-$120.28M	$21.38M
Pretax Income	-$8.62M	-$109.33M	-$8.43M	-$150.58M	-$8.00M
Income Tax	-$452.00K	-$1.30M	-$1.81M	-$2.31M	$2.03M
Net Income	-$7.95M	-$102.25M	-$6.41M	-$140.11M	-$9.94M
Diluted EPS	-0.09	-1.15	-0.08	-1.71	-0.12
Diluted Shares	89.01M	88.65M	82.58M	82.11M	82.52M

RPAY Balance Sheet statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Cash & Equivalents	$165.47M	$162.62M	$95.69M	$115.69M	$43.77M
Receivables	$36.83M	$33.38M	$33.22M	$33.17M	$36.61M
Current Assets	$250.13M	$246.07M	$180.20M	$196.83M	$131.01M
Total Assets	$1.54B	$1.41B	$1.33B	$1.20B	$1.14B
Current Liabilities	$67.43M	$289.89M	$222.28M	$240.65M	$73.23M
Long-Term Debt	$497.59M	$279.01M	$279.54M	$280.06M	$390.59M
Total Debt	$508.90M	$509.53M	$436.56M	$436.88M	$400.27M
Total Liabilities	$768.19M	$773.97M	$711.08M	$717.97M	$665.54M
Retained Earnings	-$341.77M	-$444.02M	-$450.44M	-$590.55M	-$600.49M
Shareholders' Equity	$755.72M	$633.70M	$616.90M	$484.43M	$478.00M
Working Capital	$182.69M	-$43.82M	-$42.08M	-$43.82M	$57.78M
Net Debt	$332.12M	$335.78M	$330.13M	$310.85M	$346.82M

RPAY Cash Flow statement, quarterly periods, in USD
USD	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Operating Cash Flow	$2.50M	$33.06M	$32.23M	$23.32M	$16.82M
Capital Expenditure	-$10.54M	-$10.46M	-$11.44M	-$9.54M	-$33.95M
Free Cash Flow	-$8.03M	$22.60M	$20.78M	$13.78M	-$17.13M
Depreciation & Amortisation	$25.29M	$25.48M	$25.64M	$25.63M	$25.54M
Stock-Based Compensation	$5.34M	$3.05M	$5.51M	$4.43M	$5.02M
Investing Cash Flow	-$10.54M	-$10.46M	-$11.44M	-$9.54M	-$33.95M
Financing Cash Flow	-$19.48M	-$22.81M	-$87.86M	-$35.00K	-$51.72M
Share Repurchases	—	—	-$15.76M	-$144.00K	—
Net Change in Cash	-$27.52M	-$211.00K	-$67.07M	$13.74M	-$68.84M

Market Snapshot

About

Repay Holdings provides integrated payment processing solutions and advanced payment technologies to businesses across multiple industries. The company specializes in credit card processing, automated clearing house payments, and instant funding services. Repay serves clients in sectors including automotive, consumer finance, healthcare, and media. The firm focuses on embedded payment solutions that integrate seamlessly into client software platforms.