Repay Holdings Corporation
NASDAQ•RPAY
CEO: Mr. John Andrew Morris Sr., CPA
Sector: Technology
Industry: Software - Infrastructure
Listing Date: 2018-07-17
Repay Holdings Corporation, payments technology company, provides integrated payment processing solutions to industry-oriented markets in the United States. It operates through two segments: Consumer Payments and Business Payments. The company's payment processing solutions enable consumers and businesses to make payments using electronic payment methods. It also offers a range of solutions relating to electronic payment methods, including credit and debit card processing, automated clearing house (ACH) processing, e-cash, and digital wallet services; virtual credit card processing, enhanced ACH processing, instant funding, clearing and settlement, and communication solutions; and proprietary payment channels that include Web-based, virtual terminal, online client portal, mobile application, text-to-pay, interactive voice response, and point of sale services. It serves customers primarily operating in the personal loans, automotive loans, receivables management, and business-to-business verticals through direct sales representatives and software integration partners. The company was founded in 2006 and is headquartered in Atlanta, Georgia.
Contact Information
Market Cap
$263.24M
P/E (TTM)
-1.0
44
Dividend Yield
--
52W High
$6.06
52W Low
$2.30
52W Range
Rank48Top 64.4%
3.3
F-Score
Modified Piotroski Analysis
Based on 9-year fundamentals
Weak • 3.3 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2017-2025
Financial Dashboard
Q4 2025 Data
Revenue
$78.59M+0.00%
4-Quarter Trend
EPS
-$1.71+0.00%
4-Quarter Trend
FCF
$23.23M+0.00%
4-Quarter Trend
2025 Annual Earnings Highlights
Key Highlights
Revenue Declines Slightly Total revenue $309.3M USD, down 1.2% from prior year; Gross profit $232.0M USD, margin compressed to 75%.
Significant Goodwill Impairment Incurred $242.7M USD non-cash goodwill impairment loss, primarily impacting Consumer Payments segment valuation metrics.
Operating Cash Flow Decreases Operating cash flow $91.1M USD provided, down $59.0M USD versus prior period due to increased net loss.
Share Repurchase Activity Repurchased 7.9M shares for $38.3M USD under authorized program; $23.0M USD capacity remains available.
Risk Factors
Intense Industry Competition Payment processing industry highly competitive; competitors may offer better fees, causing pricing pressure and margin erosion.
Substantial Net Loss Increase Net loss attributable to Company widened sharply to $(256.7M) USD in 2025, driven by impairment charges and lower revenue.
Third Party Dependency Risk Business continuity relies on sponsor banks and software integration partners; termination risks could halt operations.
Evolving Regulatory Environment Subject to complex, evolving federal and state regulations; failure to comply risks fines, litigation, and operational disruption.
Outlook
Growth Strategy Focus Intends to drive growth via increased penetration in existing verticals and strategic expansion into new vertical markets.
Innovation and Portfolio Extension Will continue innovation investment in technology capabilities, including RCS platform, to address evolving client needs.
Drive Operational Efficiencies Plans to achieve operating leverage through increased automation and process improvements without significant personnel increases.
Selective Acquisition Strategy May selectively pursue strategic acquisitions to acquire new capabilities or enter new market segments when opportunities arise.
Peer Comparison
Revenue (TTM)
$2.69B
$2.35B
$743.30M
Gross Margin (Latest Quarter)
75.1%
74.2%
59.2%
Key Metrics
Symbol | Market Cap | P/E (TTM) | ROE (TTM) | Debt to Assets |
|---|---|---|---|---|
| SATL | $801.19M | -167.2 | 13.0% | 41.9% |
| IMXI | $476.76M | 14.5 | 22.1% | 41.8% |
| LSAK | $419.59M | -7.4 | -19.5% | 36.7% |
Long-Term Trends
Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
0.5%
Moderate Growth
4Q Net Income CAGR
N/M
Profitability Shift
Cash Flow Stability
100%
Strong Cash Flow
Deep Research
Next earnings:May 11, 2026
EPS:$0.22
|Revenue:$80.85M
Financials
Earnings Calls
Reports
News
Income Statement
Balance Sheet
Cash Flow Statement
Ratios
% Chg.
Income Statement | LTM |
|---|
No Data