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Repay Holdings Corp

RPAY Nasdaq Services-Business Services, Nec Financials FY2017–FY2025

Revenue Total sales reported in the income statement.
$309M
1.2% vs prior year
Operating margin Operating income as a share of revenue.
−82.4%
79.9 pts
Net income Profit after all expenses, interest and tax.
−$257M
Free cash flow Cash from operations minus capital spending.
$90.8M
39.1%
Return on capital After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
−31.0%
30.4 pts
Market cap Last close times the latest diluted share count, so it is approximate.
—
P/E Last close divided by diluted earnings per share over the last four quarters.
—
On −$2.01 EPS (TTM)

What Repay Holdings Corp does

No business description yet.

Legal name
Repay Holdings Corp
Fiscal year ends
December 31, 2025
Latest annual report
10-K · Mar 9, 2026
Accession · CIK
0001193125-26-098518
0001720592

Revenue and margins

Repay Holdings Corp had $309M of revenue in fiscal 2025, down 1.2% on the year before.

Revenue
Revenue
Margins, % of revenue
Gross Operating Net FCF
Margins, % of revenue
Gross Operating Net FCF

Net income and earnings per share

Loss periods are shown in red.

Net income
Net income
Diluted EPS
Diluted EPS

Returns on capital

After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.

Return on capital, equity and assets (annual)
Return on capital Return on equity Return on assets

Cash flow

Free cash flow was $90.8M in fiscal 2025, 29.4% of revenue. Cash from operations minus capital spending.

Free cash flow
Free cash flow
Cash from operations vs capital spending
Cash from operations Capital spending
Cash from operations vs capital spending
Cash from operations Capital spending

Dividends, buybacks and share count

Repay Holdings Corp returned — to shareholders in fiscal 2025. The diluted share count fell 4.8%.

Dividends and buybacks
Dividends Buybacks
Dividends and buybacks
Dividends Buybacks
Diluted shares outstanding (annual)

Balance sheet

Cash, debt and the ratios that show how comfortably Repay Holdings Corp can carry it.

Cash vs debt (incl. leases)
Cash Debt
Fiscal year endFY21FY22FY23FY24FY25
Cash and short-term investments $50.0M$64.9M$118M$190M$116M
Debt incl. finance leases $448M$451M$434M$497M$280M
Net debt / EBITDA 11.2x6.4x—3.2x—
Debt / equity 0.5x0.5x0.5x0.7x0.6x
Interest coverage —−10.8x−28.8x−1.0x−18.3x
Current ratio 1.0x1.4x3.1x2.7x0.8x
Quick ratio 1.0x1.4x3.1x2.7x0.8x
Total assets $1.7B$1.6B$1.5B$1.6B$1.2B
Total liabilities $773M$699M$689M$799M$718M
Shareholders' equity $874M$895M$815M$761M$484M
Net debt (− = net cash) $398M$386M$316M$307M$164M

Insider trades

Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. 'Plan' marks trades under a pre-arranged Rule 10b5-1 plan.

Bought, 12 months

$0.0M

0 insiders

Sold, 12 months

$0.0M

0 insiders

Of sales under plans

—

$0.0M

No open-market insider trades in the last 12 months.

Piotroski F-score

Nine pass/fail tests of profitability, funding and efficiency. 8–9 is strong, 0–2 weak.

TestFY17FY18FY19FY20FY21FY22FY23FY24FY25
Net income is positive ✓ ✓ — ✕ ✕ ✓ ✕ ✕ ✕
Cash from operations is positive ✓ ✓ — ✓ ✓ ✓ ✓ ✓ ✓
Return on assets rose — ✕ — — ✓ ✓ ✕ ✓ ✕
Cash from operations exceeds net income ✓ ✓ — ✓ ✓ ✓ ✓ ✓ ✓
Debt fell relative to assets — — ✓ ✓ ✕ ✕ ✕ ✕ ✓
Current ratio rose — ✓ ✕ ✓ ✕ ✓ ✓ ✕ ✕
Share count didn't rise — — — — ✕ ✕ ✓ ✓ ✓
Gross margin rose — — — — ✓ ✓ ✕ ✓ ✕
Revenue rose relative to assets — ✕ ✕ ✓ ✕ ✓ ✓ ✓ ✓
F-score — / 3— / 6— / 3— / 64 / 97 / 95 / 96 / 95 / 9
Accruals ratio −6,633.6%−12.4%—−14.2%−7.4%−3.7%−13.6%−10.4%−25.1%
Altman Z'' 619.870.56−0.160.570.550.860.591.00−2.56

9 years of figures

US$ millions unless stated. Hover a ratio's name for its definition.

Download CSV
Fiscal yearFY17FY18FY19FY20FY21FY22FY23FY24FY25
Income statement
Revenue $94.0M $130M $105M $155M $219M $279M $297M $313M $309M
Gross profit — — — $114M $164M $214M $227M $241M $232M
Operating income $16.4M $16.6M −$48.2M −$32.0M −$54.0M −$47.2M −$111M −$7.8M −$255M
Interest expense $4.4M $5.5M — — — $4.4M $3.9M $7.9M $13.9M
Pretax income $9.4M $10.5M — −$130M −$86.7M $14.9M −$120M −$10.9M −$277M
Income tax — — — −$12.4M −$30.7M $6.2M −$2.1M −$0.6M −$5.9M
Net income $9.4M $10.5M — −$106M −$50.1M $12.8M −$110M −$10.2M −$257M
Diluted EPS — −$0.14 — −$2.02 −$0.60 $0.12 −$1.23 −$0.11 −$3.00
Diluted shares — 0.01B — 52.18B 83.32B 110.67B 90.05B 89.92B 85.56B
Cash flow
Cash from operations $21.1M $24.2M — $28.5M $53.3M $74.2M $104M $150M $91.1M
Capital expenditure $0.4M $0.9M — $1.0M $2.9M $3.2M $0.7M $1.0M $0.3M
Free cash flow $20.7M $23.3M — $27.5M $50.5M $71.0M $103M $149M $90.8M
Depreciation and amortization $7.5M $10.4M $30.0M $60.8M $89.7M $108M $104M $104M $102M
Stock-based compensation $0.6M $0.8M — $19.4M $22.3M $20.3M $22.2M $24.4M $18.3M
Share buybacks — — — $1.4M $4.0M $2.7M $1.9M — —
Dividends and buybacks — — — $1.4M $4.0M $2.7M $1.9M — —
Balance sheet
Cash and short-term investments $0.0M $13.3M $24.6M $91.1M $50.0M $64.9M $118M $190M $116M
Total debt — $94.2M $213M $257M $448M $451M $434M $497M $280M
Current assets $0.0M $20.1M $43.9M $119M $95.7M $117M $181M $275M $197M
Current liabilities $0.2M $20.6M $52.0M $65.4M $92.3M $82.1M $57.5M $102M $241M
Property and equipment, net — $1.2M $1.6M $1.6M $3.8M $4.4M $3.1M $2.4M $1.2M
Goodwill $120M $120M $390M $459M $824M $828M $717M $717M $475M
Intangible assets — $68.2M $312M $369M $578M $501M $447M $389M $330M
Total assets $0.2M $219M $782M $1.1B $1.7B $1.6B $1.5B $1.6B $1.2B
Total liabilities $0.2M $110M $362M $554M $773M $699M $689M $799M $718M
Shareholders' equity $0.0M $5.0M $214M $509M $874M $895M $815M $761M $484M
Margins
Gross margin — — — 73.3% 74.7% 76.8% 76.5% 77.1% 75.0%
Operating margin 17.4% 12.8% −46.1% −20.6% −24.6% −16.9% −37.6% −2.5% −82.4%
EBITDA margin 25.4% 20.8% −17.4% 18.6% 16.3% 21.7% −2.5% 30.6% −49.4%
Net margin 10.1% 8.1% — −68.1% −22.8% 4.6% −37.2% −3.2% −83.0%
FCF margin 22.0% 17.9% — 17.7% 23.0% 25.4% 34.7% 47.6% 29.4%
Returns
Return on capital — 15.3% −9.5% −3.7% −3.4% −2.4% −7.8% −0.6% −31.0%
Return on capital employed 83,193.4% 8.4% −6.6% −3.1% −3.4% −3.1% −7.6% −0.5% −26.6%
Return on equity 47,960.4% 419.8% — −29.2% −7.2% 1.5% −12.9% −1.3% −41.2%
Return on assets 5,359.2% 9.6% — −11.2% −3.6% 0.8% −7.0% −0.7% −18.5%
Growth
Revenue growth — 38.4% −19.5% 48.2% 41.4% 27.4% 6.2% 5.5% −1.2%
Net income growth — 11.5% — — — — −960.8% — —
EPS growth — — — — — — −1,125.0% — —
FCF growth — 12.4% — — 83.6% 40.8% 44.8% 44.9% −39.1%
Share count change — — — — 59.7% 32.8% −18.6% −0.1% −4.8%
Financial health
Net debt / EBITDA — 3.0x — 5.8x 11.2x 6.4x — 3.2x —
Debt / equity — 18.8x 1.0x 0.5x 0.5x 0.5x 0.5x 0.7x 0.6x
Interest coverage 3.7x 3.0x — — — −10.8x −28.8x −1.0x −18.3x
Current ratio 0.2x 1.0x 0.8x 1.8x 1.0x 1.4x 3.1x 2.7x 0.8x
Quick ratio 0.2x 1.0x 0.8x 1.8x 1.0x 1.4x 3.1x 2.7x 0.8x
Capital allocation
Capex / revenue 0.5% 0.7% — 0.6% 1.3% 1.1% 0.2% 0.3% 0.1%
Stock comp / revenue 0.7% 0.6% — 12.5% 10.2% 7.3% 7.5% 7.8% 5.9%
Payouts / FCF — — — 5.1% 8.0% 3.7% 1.8% — —
Quality scores
Piotroski F-score — — — — 4.0 7.0 5.0 6.0 5.0
Altman Z'' 619.9 0.6 −0.2 0.6 0.5 0.9 0.6 1.0 −2.6
Accruals ratio −6,633.6% −12.4% — −14.2% −7.4% −3.7% −13.6% −10.4% −25.1%

Source: SEC EDGAR XBRL filings (CIK 0001720592). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.

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