RPAY · Repay Holdings Corp - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $80.79M | - | $77.72M | $75.63M | $77.33M | - | $79.14M | $74.91M | $80.72M | - |
| Cost of Revenue | $19.31M | - | $19.93M | $18.40M | $18.66M | - | $17.58M | $16.32M | $19.18M | - |
| Gross Profit | $61.49M | - | $57.79M | $57.22M | $58.66M | - | $61.56M | $58.59M | $61.55M | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | $35.95M | - | $35.16M | $32.86M | $36.99M | - | $36.71M | $35.23M | $37.02M | - |
| Total Operating Expenses | $80.80M | - | $80.73M | $180.53M | $80.94M | - | $79.82M | $78.33M | $83.22M | - |
| D&A | $25.54M | - | $25.64M | $25.48M | $25.29M | - | $25.53M | $26.77M | $27.03M | - |
| Operating Income | ($7.0K) | - | ($3.01M) | ($104.90M) | ($3.62M) | - | ($675.0K) | ($3.42M) | ($2.50M) | - |
| Interest Expense | $3.84M | - | $3.08M | $909.0K | $912.0K | - | - | - | - | - |
| Income Tax | $2.03M | - | ($1.81M) | ($1.30M) | ($452.0K) | - | $1.52M | ($1.98M) | $302.0K | - |
| Net Income | ($9.94M) | - | ($6.41M) | ($102.25M) | ($7.95M) | - | $3.24M | ($4.07M) | ($5.21M) | - |
| EPS - Basic | ($0.12) | - | ($0.08) | ($1.15) | ($0.09) | - | $0.04 | ($0.04) | ($0.06) | - |
| EPS - Diluted | ($0.12) | - | ($0.08) | ($1.15) | ($0.09) | - | $0.03 | ($0.04) | ($0.06) | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $43.77M | $115.69M | $95.69M | $162.62M | $165.47M | $189.53M | $168.72M | $147.09M | $128.32M | $118.10M |
| Accounts Receivable | $36.61M | $33.17M | $33.22M | $33.38M | $36.83M | $32.95M | $41.12M | $39.32M | $39.98M | $36.02M |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | $23.93M | $25.18M | $22.99M | $20.94M | $24.14M | $28.91M | $28.79M | $24.35M | $23.71M | $22.03M |
| Current Assets | $131.01M | $196.83M | $180.20M | $246.07M | $250.13M | $275.25M | $224.77M | $201.94M | $184.03M | $169.32M |
| Total Assets | $1.14B | $1.20B | $1.33B | $1.41B | $1.54B | $1.57B | $1.56B | $1.52B | $1.52B | $1.52B |
| Current Liabilities | $73.23M | $240.65M | $222.28M | $289.89M | $67.43M | $102.25M | $83.26M | $52.73M | $53.42M | $57.46M |
| Long-term Debt | $390.59M | $280.06M | $279.54M | $279.01M | $497.59M | $496.78M | $496.21M | $435.59M | $434.88M | $434.17M |
| Total Liabilities | $665.54M | $717.97M | $711.08M | $773.97M | $768.19M | $798.74M | $794.57M | $690.94M | $687.42M | $689.04M |
| Stockholders' Equity | $478.00M | $484.43M | $616.90M | $633.70M | $755.72M | $761.27M | $754.68M | $815.41M | $813.81M | $815.13M |
| Retained Earnings | ($600.49M) | ($590.55M) | ($450.44M) | ($444.02M) | ($341.77M) | ($333.83M) | ($329.71M) | ($332.95M) | ($328.88M) | ($323.67M) |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $16.82M | - | - | - | $2.50M | - | - | - | $24.80M | - |
| Investing Cash Flow | ($33.95M) | - | - | - | ($10.54M) | - | - | - | ($11.13M) | - |
| Financing Cash Flow | ($51.72M) | - | - | - | ($19.48M) | - | - | - | ($2.99M) | - |
| CapEx | $122.0K | - | - | - | $146.0K | - | - | - | $87.0K | - |
| Free Cash Flow | $16.70M | - | - | - | $2.36M | - | - | - | $24.71M | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | 76.1% | - | 74.4% | 75.7% | 75.9% | - | 77.8% | 78.2% | 76.2% | - |
| Operating margin | -0.0% | - | -3.9% | -138.7% | -4.7% | - | -0.9% | -4.6% | -3.1% | - |
| EBITDA margin | 31.6% | - | 29.1% | -105.0% | 28.0% | - | 31.4% | 31.2% | 30.4% | - |
| Net margin | -12.3% | - | -8.3% | -135.2% | -10.3% | - | 4.1% | -5.4% | -6.5% | - |
| Free cash flow margin | 20.7% | - | - | - | 3.0% | - | - | - | 30.6% | - |
| FCF / Net income | -1.68 | - | - | - | -0.30 | - | - | - | -4.74 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | 44.5% | - | 45.2% | 43.5% | 47.8% | - | 46.4% | 47.0% | 45.9% | - |
| Effective tax rate | - | - | - | - | - | - | 32.0% | - | - | - |
| Return on assets | -0.9% | - | -0.5% | -7.2% | -0.5% | - | 0.2% | -0.3% | -0.3% | - |
| Return on equity | -2.1% | - | -1.0% | -16.1% | -1.1% | - | 0.4% | -0.5% | -0.6% | - |
| Return on invested capital | -0.0% | - | -0.3% | -9.1% | -0.2% | - | -0.0% | -0.2% | -0.2% | - |
| Liquidity | ||||||||||
| Current ratio | 1.79 | 0.82 | 0.81 | 0.85 | 3.71 | 2.69 | 2.70 | 3.83 | 3.44 | 2.95 |
| Quick ratio | 1.79 | 0.82 | 0.81 | 0.85 | 3.71 | 2.69 | 2.70 | 3.83 | 3.44 | 2.95 |
| Cash ratio | 0.60 | 0.48 | 0.43 | 0.56 | 2.45 | 1.85 | 2.03 | 2.79 | 2.40 | 2.06 |
| Leverage | ||||||||||
| Debt / Equity | 0.82 | 0.58 | 0.45 | 0.44 | 0.66 | 0.65 | 0.66 | 0.53 | 0.53 | 0.53 |
| Debt / Assets | 0.34 | 0.23 | 0.21 | 0.20 | 0.32 | 0.32 | 0.32 | 0.29 | 0.29 | 0.29 |
| Debt / EBITDA | 15.30 | - | 12.35 | - | 22.96 | - | 19.97 | 18.65 | 17.73 | - |
| Interest coverage | -0.0x | - | -1.0x | -115.4x | -4.0x | - | - | - | - | - |
| Equity multiplier | 2.39 | 2.48 | 2.16 | 2.23 | 2.03 | 2.06 | 2.07 | 1.87 | 1.86 | 1.86 |
| Liabilities / Assets | 0.58 | 0.60 | 0.53 | 0.55 | 0.50 | 0.51 | 0.51 | 0.45 | 0.45 | 0.45 |
| Efficiency | ||||||||||
| Asset turnover | 0.07 | - | 0.06 | 0.05 | 0.05 | - | 0.05 | 0.05 | 0.05 | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | 165d | - | 156d | 161d | 174d | - | 190d | 192d | 181d | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | 452d | - | 421d | 415d | 472d | - | 598d | 545d | 451d | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | - | - | - | - | - | - | 272.0x | - | - | - |
| P / B | 448.8x | - | 700.1x | 674.3x | 656.0x | - | 1115.1x | 1189.1x | 1233.0x | - |
| P / S | 2655.5x | - | 5556.7x | 5649.9x | 6411.4x | - | 10632.9x | 12944.7x | 12430.6x | - |
| EV / EBITDA | 8416.3x | - | 19092.3x | - | 22888.9x | - | 33872.5x | 41538.4x | 40927.5x | - |
| Growth | ||||||||||
| Revenue growth (YoY) | 4.5% | - | -1.8% | 1.0% | -4.2% | - | 6.5% | 4.4% | 8.3% | - |
| Revenue CAGR (3y) | 2.7% | - | 2.8% | 3.9% | 4.6% | - | 9.0% | 15.7% | 19.3% | - |
| Revenue CAGR (5y) | 11.2% | - | 15.6% | 15.7% | 14.4% | - | 19.6% | - | - | - |
| Gross profit growth (YoY) | 4.8% | - | -6.1% | -2.3% | -4.7% | - | 12.1% | 6.6% | 20.7% | - |
| Operating income growth (YoY) | 99.8% | - | -345.8% | -2966.5% | -44.6% | - | 86.8% | 65.3% | 86.1% | - |
| Net income growth (YoY) | -25.1% | - | - | -2411.7% | -52.5% | - | - | 12.3% | 80.3% | - |
| EPS growth (YoY) | -33.3% | - | - | -2775.0% | -50.0% | - | - | 20.0% | 80.0% | - |
| EPS CAGR (3y) | - | - | - | - | - | - | - | - | - | - |
| EPS CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| FCF growth (YoY) | 608.6% | - | - | - | -90.5% | - | - | - | 21.7% | - |
| FCF CAGR (5y) | 32.2% | - | - | - | -22.1% | - | - | - | - | - |
| Book value growth (YoY) | -36.7% | -36.4% | -18.3% | -22.3% | -7.1% | -6.6% | -14.3% | -7.2% | -6.6% | -8.9% |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2025-12-31.
Business segments
$323.51M totalConsumer Payments$275.89M · 85.3%
Business Payments$47.62M · 14.7%
Peer comparison
Same SIC group: Services-Business Services, NEC
Comparing Repay Holdings Corp against the 5 most active filers in the same SIC group.