Repay Holdings Corp
RPAY Nasdaq· Services-Business Services, Nec
Last close · Oct 23, 2026
$4.36
KIRA · Stoqly’s AI analyst, in plain words
- Repay Holdings Corp had $309M of revenue in fiscal 2025, down 1.2% on the year before. Over five years, revenue changed +14.8% a year on average.
- Its operating margin was −82.4%, down 79.9 pts: of every 100 in sales, about −82 is left after running the business.
- Repay Holdings Corp lost $257M in fiscal 2025.
- Free cash flow was $90.8M in fiscal 2025, 29.4% of revenue.
- Repay Holdings Corp owes $164M more than it holds in cash.
Market cap
$363.1B
P/E
—
Revenue
$309M
Net income
−$257M
Free cash flow
$90.8M
Operating margin
−82.4%
Repay Holdings Corp in 30 seconds · fiscal 2025
Are sales growing?
−1.2%
No. Sales fell 1.2% last year.
Does it make a profit?
−83.0%
No. It lost money last year.
Does profit turn into cash?
29.4%
Yes. 29.4% of sales ends up as free cash.
How healthy are the accounts?
5 / 9
Mixed. It passes 5 of 9 health tests.
How is the share priced?
—
No P/E: it made no profit over the last four quarters.
What Repay Holdings Corp does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 9, 2026
- Legal name
- Repay Holdings Corp
- CIK
- 0001720592
Repay Holdings Corp · RPAY
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $219M | $279M | $297M | $313M | $309M |
| Revenue growth | 41.4% | 27.4% | 6.2% | 5.5% | −1.2% |
| Gross margin | 74.7% | 76.8% | 76.5% | 77.1% | 75.0% |
| Operating margin | −24.6% | −16.9% | −37.6% | −2.5% | −82.4% |
| Net income | −$50.1M | $12.8M | −$110M | −$10.2M | −$257M |
| Net margin | −22.8% | 4.6% | −37.2% | −3.2% | −83.0% |
| Diluted EPS | −$0.60 | $0.12 | −$1.23 | −$0.11 | −$3.00 |
| Cash | |||||
| Cash from operations | $53.3M | $74.2M | $104M | $150M | $91.1M |
| Capital expenditure | $2.9M | $3.2M | $0.7M | $1.0M | $0.3M |
| Free cash flow | $50.5M | $71.0M | $103M | $149M | $90.8M |
| FCF margin | 23.0% | 25.4% | 34.7% | 47.6% | 29.4% |
| Share buybacks | $4.0M | $2.7M | $1.9M | — | — |
| Share count change | 59.7% | 32.8% | −18.6% | −0.1% | −4.8% |
| Debt and strength | |||||
| Cash and short-term investments | $50.0M | $64.9M | $118M | $190M | $116M |
| Debt incl. finance leases | $448M | $451M | $434M | $497M | $280M |
| Shareholders' equity | $874M | $895M | $815M | $761M | $484M |
| Net debt / EBITDA | 11.2x | 6.4x | — | 3.2x | — |
| Current ratio | 1.0x | 1.4x | 3.1x | 2.7x | 0.8x |
| Interest coverage | — | −10.8x | −28.8x | −1.0x | −18.3x |
| Returns and quality | |||||
| Return on capital | −3.4% | −2.4% | −7.8% | −0.6% | −31.0% |
| Return on equity | −7.2% | 1.5% | −12.9% | −1.3% | −41.2% |
| Piotroski F-score | 4 | 7 | 5 | 6 | 5 |
| Altman Z'' | 0.5 | 0.9 | 0.6 | 1.0 | −2.6 |
Insiders bought, 12 months
$6.6M
3 insiders
Insiders sold, 12 months
$0.2M
2 insiders
Of sales under plans
93%
$0.2M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Operating margin:
- Operating income as a share of revenue.
- Net income:
- Profit after all expenses, interest and tax.
- Free cash flow:
- Cash from operations minus capital spending.
- Net debt / EBITDA:
- Years of EBITDA needed to pay off net debt. Below zero means more cash than debt.
- Return on capital:
- After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
Repay Holdings Corp · RPAY
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Margins, % of revenue
Cash vs debt (incl. leases)
Free cash flow
Dividends and buybacks
KIRA
At $4.36 a share, the company is worth $363.1B.
Source: SEC EDGAR XBRL filings (CIK 0001720592). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.