Repay Hldgs Corp Financials
Repay Hldgs Corp (RPAY) reported $337.8M in revenue over the twelve months to Jun 30, 2026, up 8.8% from the prior twelve months. This page shows its 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).
Large noncash charges severed reported profitability from cash generation while shrinking assets and tightening short-term liquidity in FY2025.
FY2025 combined a net loss of-$256.7M with operating cash flow of$91.1M , indicating that accounting earnings were dominated by charges that did not consume cash immediately. Cash conversion remained close to free cash flow of$90.8M because capital spending was only$286K , making reinvestment needs unusually light relative to the reported loss.
The modest gross-margin change—from
The balance sheet became smaller and less liquid at the same time: goodwill fell from
Financial Health Signals
Scored against operating companies for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Repay Hldgs Corp's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Repay Hldgs Corp has an operating margin of -82.4%, meaning the company loses $82 on every $100 of revenue. This results in a profitability score of 19/100. 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 39/100.
Repay Hldgs Corp has a moderate D/E ratio of 0.58. This balance of debt and equity financing earns a leverage score of 56/100.
Repay Hldgs Corp's current ratio of 0.82 is below the typical benchmark, resulting in a score of 13/100. This tight liquidity could limit financial flexibility if cash inflows slow.
Repay Hldgs Corp converts 29.4% of revenue into free cash flow ($90.8M). This strong cash generation earns a score of 97/100.
Repay Hldgs Corp posts a -53.0% return on equity (ROE), meaning it loses $53 for every $100 of shareholders' equity. This results in a returns score of 21/100. This is down from -1.3% the prior year.
Repay Hldgs Corp scores -0.92, below the 1.81 distress threshold. The score is driven primarily by a large market capitalization ($310.0M) relative to total liabilities ($718.0M). This indicates elevated financial distress risk and warrants close attention to liquidity and debt levels.
Distress-screening estimate for non-financial companies. Not computed for banks or insurers, where the Altman model does not apply.
Repay Hldgs Corp passes 4 of 8 computable financial strength tests (1 of the nine could not be computed from available data). 2 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, 1 of 2 efficiency signals pass.
Repay Hldgs Corp reported a net loss of $256.7M while generating $91.1M in operating cash flow. Operations generated cash despite the loss, but with no positive earnings behind it, the ratio between the two carries no quality signal.
Repay Hldgs Corp reported an operating loss of $254.7M against $13.9M in interest expense. There is no operating profit to cover interest, so interest must be met from cash reserves or from financing rather than from operations.
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.
Not reported for 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.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
RPAY Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $100.7M+24.6% | $80.8M+2.8% | $78.6M+1.1% | $77.7M+2.8% | $75.6M-2.2% | $77.3M-1.2% | $78.3M-1.1% | $79.1M |
| Cost of Revenue | $30.1M+55.8% | $19.3M-4.6% | $20.2M+1.5% | $19.9M+8.3% | $18.4M-1.4% | $18.7M+0.6% | $18.6M+5.5% | $17.6M |
| Gross Profit | $70.6M+14.9% | $61.5M+5.4% | $58.3M+1.0% | $57.8M+1.0% | $57.2M-2.5% | $58.7M-1.8% | $59.7M-3.0% | $61.6M |
| SG&A Expenses | $46.2M+28.6% | $36.0M-2.8% | $37.0M+5.2% | $35.2M+7.0% | $32.9M-11.1% | $37.0M+1.3% | $36.5M-0.6% | $36.7M |
| Operating Income | -$3.3M-46428.6% | -$7K+100.0% | -$143.2M-4658.7% | -$3.0M+97.1% | -$104.9M-2797.9% | -$3.6M-209.4% | -$1.2M-73.3% | -$675K |
| Interest Expense | $8.0M+107.7% | $3.8M-17.7% | $4.7M+51.3% | $3.1M-0.1% | $3.1M-0.6% | $3.1M-0.9% | $3.1M+7.4% | $2.9M |
| Income Tax | -$2.7M-231.1% | $2.0M+187.9% | -$2.3M-27.9% | -$1.8M-39.4% | -$1.3M-186.9% | -$452K-6.1% | -$426K-128.0% | $1.5M |
| Net Income | -$11.0M-10.5% | -$9.9M+92.9% | -$140.1M-2084.5% | -$6.4M+93.7% | -$102.3M-1186.7% | -$7.9M-93.1% | -$4.1M-226.9% | $3.2M |
| EPS (Diluted) | -$0.13-8.3% | -$0.12+92.8% | -$1.66-1975.0% | -$0.08+93.0% | -$1.15-1177.8% | -$0.09-125.0% | -$0.04-233.3% | $0.03 |
Not reported in any period shown, so not listed: R&D Expenses.
RPAY Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $1.6B+40.9% | $1.1B-4.9% | $1.2B-10.0% | $1.3B-5.7% | $1.4B-7.9% | $1.5B-2.3% | $1.6B+0.5% | $1.6B |
| Current Assets | $213.0M+62.6% | $131.0M-33.4% | $196.8M+9.2% | $180.2M-26.8% | $246.1M-1.6% | $250.1M-9.1% | $275.2M+22.5% | $224.8M |
| Cash & Equivalents | $83.7M+91.1% | $43.8M-62.2% | $115.7M+20.9% | $95.7M-41.2% | $162.6M-1.7% | $165.5M-12.7% | $189.5M+12.3% | $168.7M |
| Inventory | $2.3M | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | $63.9M+74.6% | $36.6M+10.4% | $33.2M-0.1% | $33.2M-0.5% | $33.4M-9.4% | $36.8M+11.8% | $33.0M-19.9% | $41.1M |
| Goodwill | $652.1M+37.4% | $474.5M0.0% | $474.5M-22.6% | $613.0M0.0% | $613.0M-14.5% | $716.8M0.0% | $716.8M0.0% | $716.8M |
| Total Liabilities | $1.1B+71.1% | $665.5M-7.3% | $718.0M+1.0% | $711.1M-8.1% | $774.0M+0.8% | $768.2M-3.8% | $798.7M+0.5% | $794.6M |
| Current Liabilities | $146.9M+100.6% | $73.2M-69.6% | $240.6M+8.3% | $222.3M-23.3% | $289.9M+329.9% | $67.4M-34.0% | $102.2M+22.8% | $83.3M |
| Long-Term Debt | $748.1M+91.5% | $390.6M+39.5% | $280.1M+0.2% | $279.5M+0.2% | $279.0M-43.9% | $497.6M+0.2% | $496.8M+0.1% | $496.2M |
| Total Equity | $472.5M-1.1% | $478.0M-1.3% | $484.4M-21.5% | $616.9M-2.7% | $633.7M-16.1% | $755.7M-0.7% | $761.3M+0.9% | $754.7M |
| Retained Earnings | -$611.5M-1.8% | -$600.5M-1.7% | -$590.5M-31.1% | -$450.4M-1.4% | -$444.0M-29.9% | -$341.8M-2.4% | -$333.8M-1.2% | -$329.7M |
RPAY Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $40.2M+139.2% | $16.8M-27.9% | $23.3M-27.6% | $32.2M-2.5% | $33.1M+1221.0% | $2.5M-92.7% | $34.3M-43.0% | $60.1M |
| Capital Expenditures | $2.2M+1689.3% | $122K+40.2% | $87K-28.7% | $122K+76.8% | -$69K-52.7% | $146K-29.5% | $207K-1.9% | $211K |
| Free Cash Flow | $38.1M+127.9% | $16.7M-28.1% | $23.2M-27.6% | $32.1M-2.7% | $33.0M+1299.9% | $2.4M-93.1% | $34.0M-43.1% | $59.8M |
| Investing Cash Flow | -$361.0M-963.4% | -$34.0M-256.0% | -$9.5M+16.6% | -$11.4M-9.3% | -$10.5M+0.7% | -$10.5M+2.4% | -$10.8M+4.0% | -$11.2M |
| Financing Cash Flow | $361.4M+798.9% | -$51.7M-147657.1% | -$35K+100.0% | -$87.9M-285.1% | -$22.8M-17.1% | -$19.5M-871.8% | -$2.0M+73.6% | -$7.6M |
Not reported in any period shown, so not listed: Dividends Paid, Share Buybacks.
RPAY Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | 70.1%-6.0pp | 76.1%+1.9pp | 74.2%-0.1pp | 74.4%-1.3pp | 75.7%-0.2pp | 75.9%-0.4pp | 76.3%-1.5pp | 77.8% |
| Operating Margin | -3.2%-3.2pp | 0.0% | -182.2% | -3.9% | -138.7% | -4.7%-3.2pp | -1.5%-0.6pp | -0.9% |
| Net Margin | -10.9%+1.4pp | -12.3% | -178.3% | -8.3% | -135.2% | -10.3%-5.0pp | -5.3%-9.4pp | 4.1% |
| Return on Equity | -2.3%-0.2pp | -2.1%+26.8pp | -28.9%-27.9pp | -1.0%+15.1pp | -16.1%-15.1pp | -1.1%-0.5pp | -0.5%-1.0pp | 0.4% |
| Return on Assets | -0.7%+0.2pp | -0.9%+10.8pp | -11.7%-11.2pp | -0.5%+6.8pp | -7.2%-6.7pp | -0.5%-0.3pp | -0.3%-0.5pp | 0.2% |
| Current Ratio | 1.45-0.3x | 1.79+1.0x | 0.820.0x | 0.810.0x | 0.85-2.9x | 3.71+1.0x | 2.690.0x | 2.70 |
| Debt-to-Equity | 1.58+0.8x | 0.82+0.2x | 0.58+0.1x | 0.450.0x | 0.44-0.2x | 0.660.0x | 0.650.0x | 0.66 |
| FCF Margin | 37.8%+17.1pp | 20.7%-8.9pp | 29.6%-11.8pp | 41.3%-2.3pp | 43.6%+40.6pp | 3.0%-40.4pp | 43.5%-32.1pp | 75.6% |
Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: Operating Margin, Net Margin.
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
Where Repay Hldgs Corp Ranks
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 Altman Z-Score?
Repay Hldgs Corp (RPAY) has an Altman Z-Score of -0.92, placing it in the Distress Zone (elevated bankruptcy risk). The Z-Score combines five financial ratios (working capital, retained earnings, EBIT, market capitalization, and revenue relative to total assets) to predict the likelihood of bankruptcy. Scores above 2.99 indicate financial safety while scores below 1.81 suggest financial distress. Learn more in our complete guide to financial health indicators.
What is Repay Hldgs Corp's Piotroski F-Score?
Repay Hldgs Corp (RPAY) has a Piotroski F-Score of 4 out of 8 computable signals; 1 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 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) reported a net loss of $256.7M while generating $91.1M in operating cash flow. Operations generated cash despite the loss, but with no positive earnings behind it, the ratio between the two carries no quality signal. 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) reported an operating loss of $254.7M against $13.9M in interest expense. There is no operating profit to cover interest, so interest must be met from cash reserves or from financing rather than from operations. 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 41 out of 100 on our Financial Health Score, indicating moderate standing within its operating companies peer group. The score is a 0-100 composite of six dimensions (Profitability, Growth, Leverage, Liquidity, Cash Flow, Returns), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.