Repay Holdings Earnings Call Transcripts
Fiscal Year 2026
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Q1 2026 saw 4% revenue growth, 43% Adjusted EBITDA margin, and strong free cash flow. The KUBRA acquisition is set to double revenue and expand market reach, while 2026 guidance was raised for both revenue and EBITDA. Integration execution and political media seasonality are key risks.
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A $372M all-cash acquisition will create a leading North American bill payment provider, combining complementary platforms and expanding into non-discretionary, recurring billing verticals. The deal is expected to deliver $15M in annual synergies and be 25% free cash flow accretive by 2028.
Fiscal Year 2025
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Q4 2025 saw 10% normalized revenue growth and strong profitability, with business payments leading segment gains. 2026 guidance targets 10%-12% reported revenue growth, robust free cash flow, and continued investment in organic and inorganic growth opportunities.
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The event highlighted a return to positive growth, ongoing investments in technology and automation, and a focus on enterprise sales and product innovation. Margin pressures are being addressed through efficiency gains, while capital allocation prioritizes debt reduction and organic growth.
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Q3 saw 5% normalized revenue growth and 1% gross profit growth, with strong free cash flow and robust EBITDA margins. Business payments outperformed, while margin pressures and client mix affected results. Q4 guidance anticipates 6%-8% gross profit growth and continued focus on digital payment innovation.
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Integrated payments provider is accelerating growth, with Q2 revenue and margins up, a strong balance sheet, and a growing vendor network. Strategic investments and a refined go-to-market approach target both B2B and consumer opportunities, with positive momentum expected into 2026.
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Q2 2025 revenue grew 1% year-over-year, with sequential improvement in core segments and strong free cash flow conversion. Guidance calls for accelerating normalized gross profit growth in the second half, supported by robust sales pipelines and ongoing strategic investments.
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Q1 2025 revenue declined 4% year-over-year due to client losses, but core growth and margins remained strong. The company ended its strategic review, prioritizing organic growth and increased its share repurchase authorization, with guidance for accelerating profit and cash flow in the second half of 2025.
Fiscal Year 2024
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Q4 and full-year 2024 delivered profitable growth, with strong adjusted EBITDA and free cash flow conversion. Business payments outperformed, while consumer payments faced headwinds from client attrition and macro softness. A strategic review is underway to enhance shareholder value.
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TAM has expanded to over $5.2 trillion through acquisitions and digital transformation, with strong growth potential in B2B and new product offerings like mortgage debit acceptance and Instant Funding. Margins and free cash flow have improved, and both organic and M&A-driven growth remain strategic priorities.
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The company processes payments for both consumers and businesses, focusing on embedded financial technology and deep software integrations. Growth is driven by new sales, vertical expansion, and digital transformation, with strong financial flexibility and a focus on high-margin segments like political media and B2B payables.
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Q3 2024 saw 9% gross profit and 10% adjusted EBITDA growth, with strong free cash flow conversion and robust business payments performance. Full-year guidance was reaffirmed, with raised free cash flow outlook and continued focus on organic growth, M&A, and share repurchases.
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Q2 2024 saw 7% gross profit growth, 10% Adjusted EBITDA growth, and 90%+ free cash flow growth year-over-year. Guidance for 2024 is reiterated, with strong liquidity, ongoing investment in growth, and a healthy M&A pipeline.