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NASDAQ · SERVICES-BUSINESS SERVICES, NEC · MID CAP

Repay Holdings Corp. RPAY

9 fiscal years on record · USD · FY2025 reported · SEC filings only
$309.3M
▼ 1.2% YoY
$-256.7M
$90.8M
▼ 39.1% YoY

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

In brief

What this company does

Repay Holdings Corporation provides integrated payment processing solutions to industry-oriented vertical markets in which businesses or other organizations have specific transaction processing needs. It is headquartered in Atlanta, Georgia. As of December 31, 2025, it employed approximately 486 full-time employees throughout the U.S., with 4 office locations with an employee presence and a remote employee presence throughout the U.S. Its top 10 clients, with an average tenure of approximately seven years, contributed approximately 19% and 20% of its total gross profit during the years ended December 31, 2025 and 2024, respectively. It reports its financial results based on two reportable segments, Consumer Payments and Business Payments. Its Consumer Payments segment provides payment processing solutions, including debit and credit card processing, ACH processing and other electronic payment acceptance solutions, as well as its loan disbursement product and its clearing and settlement solutions offering, which enable clients to collect payments and disburse funds to consumers; this segment represented approximately 85% of its total revenue after any intersegment eliminations for the year ended December 31, 2025. Its Business Payments segment provides payment processing solutions, including accounts payable automation, debit and credit card processing, virtual credit card processing, ACH processing and other electronic payment acceptance solutions, which enable clients to collect or send payments to other businesses; this segment represented approximately 15% of its total revenue after any intersegment eliminations for the year ended December 31, 2025. Repay Holdings Corporation was incorporated as a Delaware corporation on July 11, 2019, with its legacy business founded in 2006 as M & A Ventures, LLC, doing business as REPAY: Realtime Electronic Payments.

Written from the business description in Repay Holdings Corp's annual report to the U.S. Securities and Exchange Commission, filed 9 March 2026. Every sentence was checked against that document before publication.

Growth

USD 309.3M
Revenue, FY2025 · full 9-year series below
Revenue $M Net income $M
FY2025 · Revenue 309.3 · Net income -256.7
150M300M-100M-200M
2017202020232025
Compound annual growth
+3.5%
+14.8%
+10.1%
3 yrs
5 yrs
10 yrs
15 yrs

Revenue compounded at +14.8% a year over the five years to FY2025.

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability

−88 cents
lost on every revenue dollar
Operating margin Net margin
FY2025 · Operating -82.4% · Net -87.7%
5%10%-50%
201720212025
ROE
FY2025 · ROE -41.2%
20000%40000%
201720212025
Three returns, three denominators.

Each USD of equity lost 41 cents this year.

Cash & shareholders

·
returned in FY2025 · dividends + net buybacks
Free cash flow $M
FY2025 · FCF 90.8
100M200M
201720212025
Net buybacks $M Dividends $M
FY2023 · Dividends · · Net buybacks 1.9
2M3M
2020202120222023

Total assetsUSD 1.2B
EquityUSD 484.4M
CashUSD 115.7M
Gross debtUSD 426.5M
Net debtUSD 310.9M
Current ratio0.82×

Net debt stands at 64% of equity.

The 9-year record

9 fiscal years
Every figure from documents filed with the SEC · USD

EPS, diluted, dividend per share and shares outstanding are shown without shading, and a vertical line marks the year the share count changed — the series crosses a large, unexplained change in share count, so the years on either side are not on a comparable scale.

row low → row highnegative—not applicable◌not available in our data
RPAY, 9-year financial record
Metric 202520242023202220212020201920182017
Revenue $B0.30.30.30.30.20.20.10.10.1
Operating income $B−0.3−0.0−0.1−0.0−0.1−0.0−0.00.00.0
EBITDA $B−0.3−0.0−0.1−0.0−0.1−0.0◌0.00.0
Income tax $B−0.0−0.0−0.00.0−0.0−0.0◌◌◌
Net income $B−0.3−0.0−0.10.0−0.1−0.1◌0.00.0
Free cash flow $B0.10.10.10.10.10.0◌0.00.0
EPS, diluted $−3.00−0.11−1.230.12−0.60−2.02◌−0.14◌
Dividend / sh $◌◌◌◌◌◌◌◌◌
Payout % — not applicable: no dividend—————————
ROE %−41.2−1.3−12.91.5−7.2−29.2◌419.847887.7
Shares out B◌◌◌◌◌◌◌◌0.01

Slide the table for earlier years. "—" not applicable · "◌" not available in our data.

More in this sector

Other companies filing in the same sector

Provenance

Company facts, as filed

How we verify · 1 failure in 40 reconciliationsAUDITED

Reconciled in 8 of the 9 fiscal years we could check. 20 checks were skipped: the balance sheet is not tagged before 2017. 13 checks were skipped: cost of revenue is not tagged before 2020. 11 checks were skipped: EPS is not tagged before 2018.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquidityCurrency consistency1 failure
ActivityServices-Business Services, NEC
Listed onNASDAQ
Incorporated inDelaware
Fiscal year endsDecember 31
Data on record since2017

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