Repay Holdings Corporation (RPAY)

Repay Holdings Financials Overview

Financials in millions USD. Fiscal year is January - December.

Revenue & Profits

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Revenue Revenue Growth	337.81	309.26	313.04	296.63	279.23	219.26
Revenue Growth	8.84%	-1.21%	5.53%	6.23%	27.35%	41.42%
Gross Profit Gross Profit Growth	248.25	232.02	241.41	226.92	214.4	163.77
Operating Income Operating Income Growth	-10.56	-12.03	-7.77	-25.59	-42.41	-45.97
Net Income Net Income Growth	-167.45	-256.72	-10.16	-110.49	12.84	-50.08
Earnings Per Share EPS Growth	-2.03	-3.00	-0.11	-1.23	0.12	-0.60
EPS Growth	-	-	-	-	-	-

Revenue by Segment

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Consumer Payments Consumer Payments Growth	312.27	285.88	280.97	275.71	248.19	194.04
Business Payments Business Payments Growth	53.95	48.41	52.92	38.06	42.6	33.82
Elimination of Intersegment Revenues Elimination of Intersegment Revenues Growth	-28.41	-25.04	-20.85	-17.14	-11.56	-8.6
Total Total Growth	337.81	309.26	313.04	296.63	279.23	219.26

Cash & Debt

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Investments Cash & Investments Growth	83.66	115.69	189.53	118.1	64.9	50.05
Total Debt Total Debt Growth	772.85	436.88	508.52	443.04	461.88	459.57
Net Cash (Debt) Net Cash Growth	-689.19	-321.19	-318.99	-324.95	-396.98	-409.52
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share Net Cash Per Share Growth	-8.34	-3.75	-3.55	-3.61	-3.59	-4.92

Cash Flow & CapEx

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Operating Cash Flow Operating Cash Flow Growth	112.61	91.11	150.09	103.61	74.22	53.33
Capital Expenditures CapEx Growth	-2.51	-0.29	-0.99	-0.73	-3.18	-2.86
Free Cash Flow Free Cash Flow Growth	110.09	90.83	149.1	102.88	71.05	50.47
Free Cash Flow Growth	-14.91%	-39.08%	44.93%	44.81%	40.78%	83.56%

Margins

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Gross Margin	73.49%	75.02%	77.12%	76.50%	76.78%	74.69%
Operating Margin	-3.13%	-3.89%	-2.48%	-8.63%	-15.19%	-20.97%
Pretax Margin	-53.64%	-89.55%	-3.49%	-40.30%	5.34%	-39.56%
Profit Margin	-49.57%	-83.01%	-3.24%	-37.25%	4.60%	-22.84%
FCF Margin	32.59%	29.37%	47.63%	34.68%	25.44%	23.02%

Valuation

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug 14, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
PE Ratio	-	-	-	-	55.37	-
Forward PE	3.23	3.98	7.89	9.84	9.26	19.89
P/FCF Ratio	3.00	3.28	4.49	7.56	10.00	32.01
PS Ratio	0.98	0.96	2.14	2.62	2.55	7.37

Data Source: S&P Global Market Intelligence Last updated: Aug 10, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Aug 14, 2026

Data Sources Report a data error