Repay Hldgs Corp Financials
This page shows Repay Hldgs Corp (RPAY) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 9 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Financial Health Signals
Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores
Repay Hldgs Corp has an operating margin of -82.4%, meaning the company retains $-82 of operating profit per $100 of revenue. This below-average margin results in a low score of 0/100, suggesting thin profitability after operating expenses. This is down from -2.5% the prior year.
Repay Hldgs Corp's revenue declined 1.2% year-over-year, from $313.0M to $309.3M. This contraction results in a growth score of 31/100.
Repay Hldgs Corp carries a low D/E ratio of 0.58, meaning only $0.58 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 90/100, indicating a strong balance sheet with room for future borrowing.
Repay Hldgs Corp's current ratio of 0.82 means current assets barely cover short-term liabilities. This tight liquidity results in a low score of 11/100, which could limit financial flexibility.
Repay Hldgs Corp converts 29.4% of revenue into free cash flow ($90.8M). This strong cash generation earns a score of 98/100.
Repay Hldgs Corp generates a -53.0% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 0/100. This is down from -1.3% the prior year.
Repay Hldgs Corp passes 4 of 9 financial strength tests. 2 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, 1 of 2 efficiency signals pass.
For every $1 of reported earnings, Repay Hldgs Corp generates $-0.35 in operating cash flow ($91.1M OCF vs -$256.7M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.
Repay Hldgs Corp earns $-18.3 in operating income for every $1 of interest expense (-$254.7M vs $13.9M). This narrow margin raises concern about the company's ability to service its debt if operating income declines.
Key Financial Metrics
Earnings & Revenue
Repay Hldgs Corp generated $309.3M in revenue in fiscal year 2025. This represents a decrease of 1.2% from the prior year.
Repay Hldgs Corp's EBITDA was -$152.7M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents a decrease of 259.1% from the prior year.
Repay Hldgs Corp reported -$256.7M in net income in fiscal year 2025. This represents a decrease of 2427.8% from the prior year.
Repay Hldgs Corp earned $-3.00 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 2627.3% from the prior year.
Cash & Balance Sheet
Repay Hldgs Corp generated $90.8M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 39.1% from the prior year.
Repay Hldgs Corp held $115.7M in cash against $280.1M in long-term debt as of fiscal year 2025.
Margins & Returns
Repay Hldgs Corp's gross margin was 75.0% in fiscal year 2025, indicating the percentage of revenue retained after direct costs. This is down 2.1 percentage points from the prior year.
Repay Hldgs Corp's operating margin was -82.4% in fiscal year 2025, reflecting core business profitability. This is down 79.9 percentage points from the prior year.
Repay Hldgs Corp's net profit margin was -83.0% in fiscal year 2025, showing the share of revenue converted to profit. This is down 79.8 percentage points from the prior year.
Repay Hldgs Corp's ROE was -53.0% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 51.7 percentage points from the prior year.
Capital Allocation
Repay Hldgs Corp invested $286K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 71.1% from the prior year.
RPAY Income Statement
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $78.6M+1.1% | $77.7M+2.8% | $75.6M-2.2% | $77.3M-1.2% | $78.3M-1.1% | $79.1M+5.7% | $74.9M-7.2% | $80.7M |
| Cost of Revenue | $20.2M+1.5% | $19.9M+8.3% | $18.4M-1.4% | $18.7M+0.6% | $18.6M+5.5% | $17.6M+7.7% | $16.3M-14.9% | $19.2M |
| Gross Profit | $58.3M+1.0% | $57.8M+1.0% | $57.2M-2.5% | $58.7M-1.8% | $59.7M-3.0% | $61.6M+5.1% | $58.6M-4.8% | $61.5M |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | $37.0M+5.2% | $35.2M+7.0% | $32.9M-11.1% | $37.0M+1.3% | $36.5M-0.6% | $36.7M+4.2% | $35.2M-4.8% | $37.0M |
| Operating Income | -$143.2M-4658.7% | -$3.0M+97.1% | -$104.9M-2797.9% | -$3.6M-209.4% | -$1.2M-73.3% | -$675K+80.3% | -$3.4M-36.6% | -$2.5M |
| Interest Expense | $4.7M+51.3% | $3.1M-0.1% | $3.1M-0.6% | $3.1M-0.9% | $3.1M+7.4% | $2.9M+221.0% | $909K-0.3% | $912K |
| Income Tax | -$2.3M-27.9% | -$1.8M-39.4% | -$1.3M-186.9% | -$452K-6.1% | -$426K-128.0% | $1.5M+177.2% | -$2.0M-754.0% | $302K |
| Net Income | -$140.1M-2084.5% | -$6.4M+93.7% | -$102.3M-1186.7% | -$7.9M-93.1% | -$4.1M-226.9% | $3.2M+179.7% | -$4.1M+21.9% | -$5.2M |
| EPS (Diluted) | N/A | $-0.08+93.0% | $-1.15-1177.8% | $-0.09 | N/A | $0.03+175.0% | $-0.04+33.3% | $-0.06 |
RPAY Balance Sheet
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $1.2B-10.0% | $1.3B-5.7% | $1.4B-7.9% | $1.5B-2.3% | $1.6B+0.5% | $1.6B+2.8% | $1.5B+0.3% | $1.5B |
| Current Assets | $196.8M+9.2% | $180.2M-26.8% | $246.1M-1.6% | $250.1M-9.1% | $275.2M+22.5% | $224.8M+11.3% | $201.9M+9.7% | $184.0M |
| Cash & Equivalents | $115.7M+20.9% | $95.7M-41.2% | $162.6M-1.7% | $165.5M-12.7% | $189.5M+12.3% | $168.7M+14.7% | $147.1M+14.6% | $128.3M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | $33.2M-0.1% | $33.2M-0.5% | $33.4M-9.4% | $36.8M+11.8% | $33.0M-19.9% | $41.1M+4.6% | $39.3M-1.7% | $40.0M |
| Goodwill | $474.5M-22.6% | $613.0M0.0% | $613.0M-14.5% | $716.8M0.0% | $716.8M0.0% | $716.8M0.0% | $716.8M0.0% | $716.8M |
| Total Liabilities | $718.0M+1.0% | $711.1M-8.1% | $774.0M+0.8% | $768.2M-3.8% | $798.7M+0.5% | $794.6M+15.0% | $690.9M+0.5% | $687.4M |
| Current Liabilities | $240.6M+8.3% | $222.3M-23.3% | $289.9M+329.9% | $67.4M-34.0% | $102.2M+22.8% | $83.3M+57.9% | $52.7M-1.3% | $53.4M |
| Long-Term Debt | $280.1M+0.2% | $279.5M+0.2% | $279.0M-43.9% | $497.6M+0.2% | $496.8M+0.1% | $496.2M+13.9% | $435.6M+0.2% | $434.9M |
| Total Equity | $484.4M-21.5% | $616.9M-2.7% | $633.7M-16.1% | $755.7M-0.7% | $761.3M+0.9% | $754.7M-7.4% | $815.4M+0.2% | $813.8M |
| Retained Earnings | -$590.5M-31.1% | -$450.4M-1.4% | -$444.0M-29.9% | -$341.8M-2.4% | -$333.8M-1.2% | -$329.7M+1.0% | -$333.0M-1.2% | -$328.9M |
RPAY Cash Flow Statement
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $23.3M-27.6% | $32.2M-2.5% | $33.1M+1221.0% | $2.5M-92.7% | $34.3M-43.0% | $60.1M+93.9% | $31.0M+24.9% | $24.8M |
| Capital Expenditures | $87K-28.7% | $122K+276.8% | -$69K-147.3% | $146K-29.5% | $207K-1.9% | $211K-56.4% | $484K+456.3% | $87K |
| Free Cash Flow | $23.2M-27.6% | $32.1M-2.7% | $33.0M+1299.9% | $2.4M-93.1% | $34.0M-43.1% | $59.8M+96.3% | $30.5M+23.4% | $24.7M |
| Investing Cash Flow | -$9.5M+16.6% | -$11.4M-9.3% | -$10.5M+0.7% | -$10.5M+2.4% | -$10.8M+4.0% | -$11.2M+3.9% | -$11.7M-5.0% | -$11.1M |
| Financing Cash Flow | -$35K+100.0% | -$87.9M-285.1% | -$22.8M-17.1% | -$19.5M-871.8% | -$2.0M+73.6% | -$7.6M-9167.1% | -$82K+97.3% | -$3.0M |
| Dividends Paid | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
RPAY Financial Ratios
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | 74.2%-0.1pp | 74.4%-1.3pp | 75.7%-0.2pp | 75.9%-0.4pp | 76.3%-1.5pp | 77.8%-0.4pp | 78.2%+2.0pp | 76.3% |
| Operating Margin | -182.2%-178.3pp | -3.9%+134.8pp | -138.7%-134.0pp | -4.7%-3.2pp | -1.5%-0.6pp | -0.9%+3.7pp | -4.6%-1.5pp | -3.1% |
| Net Margin | -178.3%-170.0pp | -8.3%+127.0pp | -135.2%-124.9pp | -10.3%-5.0pp | -5.3%-9.4pp | 4.1%+9.5pp | -5.4%+1.0pp | -6.5% |
| Return on Equity | -28.9%-27.9pp | -1.0%+15.1pp | -16.1%-15.1pp | -1.1%-0.5pp | -0.5%-1.0pp | 0.4%+0.9pp | -0.5%+0.1pp | -0.6% |
| Return on Assets | -11.7%-11.2pp | -0.5%+6.8pp | -7.2%-6.7pp | -0.5%-0.3pp | -0.3%-0.5pp | 0.2%+0.5pp | -0.3%+0.1pp | -0.3% |
| Current Ratio | 0.820.0 | 0.81-0.0 | 0.85-2.9 | 3.71+1.0 | 2.690.0 | 2.70-1.1 | 3.83+0.4 | 3.44 |
| Debt-to-Equity | 0.58+0.1 | 0.45+0.0 | 0.44-0.2 | 0.660.0 | 0.650.0 | 0.66+0.1 | 0.530.0 | 0.53 |
| FCF Margin | 29.6%-11.8pp | 41.3%-2.3pp | 43.6%+40.6pp | 3.0%-40.4pp | 43.5%-32.1pp | 75.6%+34.9pp | 40.7%+10.1pp | 30.6% |
Note: The current ratio is below 1.0 (0.82), indicating current liabilities exceed current assets, which may suggest potential short-term liquidity concerns.
Similar Companies
Frequently Asked Questions
What is Repay Hldgs Corp's annual revenue?
Repay Hldgs Corp (RPAY) reported $309.3M in total revenue for fiscal year 2025. This represents a -1.2% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Repay Hldgs Corp's revenue growing?
Repay Hldgs Corp (RPAY) revenue declined by 1.2% year-over-year, from $313.0M to $309.3M in fiscal year 2025.
Is Repay Hldgs Corp profitable?
No, Repay Hldgs Corp (RPAY) reported a net income of -$256.7M in fiscal year 2025, with a net profit margin of -83.0%.
What is Repay Hldgs Corp's EBITDA?
Repay Hldgs Corp (RPAY) had EBITDA of -$152.7M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.
How much debt does Repay Hldgs Corp have?
As of fiscal year 2025, Repay Hldgs Corp (RPAY) had $115.7M in cash and equivalents against $280.1M in long-term debt.
What is Repay Hldgs Corp's gross margin?
Repay Hldgs Corp (RPAY) had a gross margin of 75.0% in fiscal year 2025, indicating the percentage of revenue retained after direct costs of goods sold.
What is Repay Hldgs Corp's operating margin?
Repay Hldgs Corp (RPAY) had an operating margin of -82.4% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.
What is Repay Hldgs Corp's net profit margin?
Repay Hldgs Corp (RPAY) had a net profit margin of -83.0% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is Repay Hldgs Corp's return on equity (ROE)?
Repay Hldgs Corp (RPAY) has a return on equity of -53.0% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Repay Hldgs Corp's free cash flow?
Repay Hldgs Corp (RPAY) generated $90.8M in free cash flow during fiscal year 2025. This represents a -39.1% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Repay Hldgs Corp's operating cash flow?
Repay Hldgs Corp (RPAY) generated $91.1M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Repay Hldgs Corp's total assets?
Repay Hldgs Corp (RPAY) had $1.2B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Repay Hldgs Corp's capital expenditures?
Repay Hldgs Corp (RPAY) invested $286K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Repay Hldgs Corp's current ratio?
Repay Hldgs Corp (RPAY) had a current ratio of 0.82 as of fiscal year 2025, which is below 1.0, which may suggest potential liquidity concerns.
What is Repay Hldgs Corp's debt-to-equity ratio?
Repay Hldgs Corp (RPAY) had a debt-to-equity ratio of 0.58 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Repay Hldgs Corp's return on assets (ROA)?
Repay Hldgs Corp (RPAY) had a return on assets of -21.4% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Repay Hldgs Corp's Piotroski F-Score?
Repay Hldgs Corp (RPAY) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Repay Hldgs Corp's earnings high quality?
Repay Hldgs Corp (RPAY) has an earnings quality ratio of -0.35x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
Can Repay Hldgs Corp cover its interest payments?
Repay Hldgs Corp (RPAY) has an interest coverage ratio of -18.3x, meaning it can struggle to cover its interest obligations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.
How financially healthy is Repay Hldgs Corp?
Repay Hldgs Corp (RPAY) scores 39 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.