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Repay (RPAY) Financials

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$5.71 +0.05 (+0.88%)
Closing price 04:00 PM Eastern
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$5.71 0.00 (0.00%)
As of 04:24 PM Eastern
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Annual Income Statements for Repay

Annual Income Statements for Repay

This table shows Repay's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2022 2023 2024
Period end date 12/31/2022 12/31/2023 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 13 -110 -10
Consolidated Net Income / (Loss)		 8.74 -117 -10
Net Income / (Loss) Continuing Operations		 8.74 -117 -10
Total Pre-Tax Income 		15 -120 -11
Total Revenue		 275 286 311
Net Interest Income / (Expense)		 -4.25 -1.05 -1.88
Total Interest Income		 0.13 2.82 5.99
Investment Securities Interest Income		 0.13 2.82 5.99
Total Interest Expense		 4.38 3.87 7.87
Long-Term Debt Interest Expense		 4.38 3.87 7.87
Total Non-Interest Income		 279 287 313
Net Realized & Unrealized Capital Gains on Investments		 0.00 -10 0.00
Other Non-Interest Income		 279 297 313
Total Non-Interest Expense		 326 398 321
Other Operating Expenses		 214 218 217
Depreciation Expense		 108 104 104
Impairment Charge		 8.09 76 0.00
Restructuring Charge		 -3.30 0.00 0.00
Nonoperating Income / (Expense), net		 66 -7.07 -1.27
Income Tax Expense		 6.17 -2.12 -0.58
Net Income / (Loss) Attributable to Noncontrolling Interest		 -4.10 -6.93 -0.19
Basic Earnings per Share		 $0.14 ($1.23) ($0.11)
Weighted Average Basic Shares Outstanding		 88.79M 90.05M 89.92M
Diluted Earnings per Share		 $0.12 ($1.23) ($0.11)
Weighted Average Diluted Shares Outstanding		 110.67M 90.05M 89.92M
Weighted Average Basic & Diluted Shares Outstanding		 90.39M 96.16M 92.11M

Quarterly Income Statements for Repay

This table shows Repay's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 5.85 -6.67 -26 -4.64 -6.17 -73 -5.21 -4.07 3.24 -4.12
Consolidated Net Income / (Loss)		 5.37 -8.16 -28 -5.33 -6.48 -78 -5.37 -4.24 3.22 -3.96
Net Income / (Loss) Continuing Operations		 5.37 -8.16 -28 -5.33 -6.48 -78 -5.37 -4.24 3.22 -3.96
Total Pre-Tax Income 		4.90 -8.40 -24 -6.38 -8.48 -81 -5.06 -6.21 4.74 -4.38
Total Revenue		 72 68 65 72 74 75 81 0.00 92 138
Net Interest Income / (Expense)		 0.00 -4.25 0.00 0.00 0.00 -1.05 0.00 0.00 0.00 -1.88
Total Interest Income		 0.00 0.13 0.00 0.00 0.00 2.82 0.00 0.00 0.00 5.99
Total Interest Expense		 0.00 4.38 0.00 0.00 0.00 3.87 0.00 0.00 0.00 7.87
Total Non-Interest Income		 72 73 65 72 74 76 81 0.00 92 140
Net Realized & Unrealized Capital Gains on Investments		 0.00 - -9.88 -0.15 0.00 - 0.00 0.00 13 -13
Total Non-Interest Expense		 77 91 83 82 79 154 83 3.42 80 154
Other Operating Expenses		 53 57 56 55 53 54 56 52 54 55
Depreciation Expense		 25 25 26 26 27 25 27 27 26 24
Nonoperating Income / (Expense), net		 10 14 -5.61 3.49 -3.36 -1.59 -2.56 -2.79 -7.72 12
Income Tax Expense		 -0.47 -0.24 4.36 -1.05 -2.00 -3.42 0.30 -1.98 1.52 -0.43
Net Income / (Loss) Attributable to Noncontrolling Interest		 -0.47 -1.49 -1.54 -0.69 -0.32 -4.39 -0.15 -0.17 -0.03 0.16
Basic Earnings per Share		 $0.07 ($0.08) ($0.30) ($0.05) ($0.07) ($0.81) ($0.06) ($0.04) $0.04 ($0.05)
Weighted Average Basic Shares Outstanding		 88.74M 88.79M 88.62M 89.17M 91.16M 90.05M 91.22M 91.82B 88.26B 89.92M
Diluted Earnings per Share		 $0.05 ($0.05) ($0.30) ($0.05) ($0.07) ($0.81) ($0.06) ($0.04) $0.03 ($0.04)
Weighted Average Diluted Shares Outstanding		 110.11M 110.67M 88.62M 89.17M 91.16M 90.05M 91.22M 91.82B 103.13M 89.92M
Weighted Average Basic & Diluted Shares Outstanding		 90.69M 90.39M 92.75M 94.70M 94.66M 96.16M 95.79M 91.90M 91.90M 92.11M

Annual Cash Flow Statements for Repay

This table details how cash moves in and out of Repay's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2022 2023 2024
Period end date 12/31/2022 12/31/2023 12/31/2024
Net Change in Cash & Equivalents		 17 51 93
Net Cash From Operating Activities		 74 104 150
Net Cash From Continuing Operating Activities		 74 104 150
Net Income / (Loss) Continuing Operations		 8.74 -117 -10
Consolidated Net Income / (Loss)		 8.74 -117 -10
Depreciation Expense		 108 104 104
Amortization Expense		 2.83 2.85 3.03
Non-Cash Adjustments to Reconcile Net Income		 21 106 5.64
Changes in Operating Assets and Liabilities, net		 -66 8.38 48
Net Cash From Investing Activities		 -40 -24 -45
Net Cash From Continuing Investing Activities		 -40 -24 -45
Purchase of Property, Leasehold Improvements and Equipment		 -37 -51 -45
Purchase of Investment Securities		 -2.75 -14 0.00
Divestitures		 0.00 40 0.00
Other Investing Activities, net		 0.00 0.00 0.00
Net Cash From Financing Activities		 -17 -29 -13
Net Cash From Continuing Financing Activities		 -17 -29 -13
Issuance of Debt		 0.00 0.00 248
Repayment of Debt		 0.00 -20 -215
Repurchase of Common Equity		 -10 -2.53 -42
Payment of Dividends		 -0.95 -3.53 -2.35
Other Financing Activities, Net		 -6.51 -2.89 -2.32
Cash Interest Paid		 1.54 1.02 4.84
Cash Income Taxes Paid		 0.03 1.33 2.81

Quarterly Cash Flow Statements for Repay

This table details how cash moves in and out of Repay's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Net Change in Cash & Equivalents		 7.20 6.84 25 9.09 13 2.76 11 19 41 21
Net Cash From Operating Activities		 25 22 21 20 28 35 25 31 60 34
Net Cash From Continuing Operating Activities		 25 22 21 20 28 35 25 31 60 34
Net Income / (Loss) Continuing Operations		 5.37 -8.17 -28 -5.33 -6.48 -78 -5.37 -4.24 3.22 -3.96
Consolidated Net Income / (Loss)		 5.37 -8.17 -28 -5.33 -6.48 -78 -5.37 -4.24 3.22 -3.96
Depreciation Expense		 25 25 26 26 27 25 27 27 26 24
Amortization Expense		 0.71 0.71 0.71 0.71 0.71 0.71 0.71 0.71 0.76 0.85
Non-Cash Adjustments to Reconcile Net Income		 49 13 23 1.72 3.27 78 9.38 7.02 1.31 -12
Changes in Operating Assets and Liabilities, net		 -54 -9.38 -0.92 -3.63 3.94 8.99 -6.95 0.71 29 25
Net Cash From Investing Activities		 -12 -11 27 -10 -14 -27 -11 -12 -11 -11
Net Cash From Continuing Investing Activities		 -12 -11 27 -10 -14 -27 -11 -12 -11 -11
Purchase of Property, Leasehold Improvements and Equipment		 -27 -7.94 -14 -9.99 -14 -13 -11 -12 -11 -11
Net Cash From Financing Activities		 -5.93 -4.31 -22 -0.73 -0.47 -5.49 -2.99 -0.08 -7.60 -2.01
Net Cash From Continuing Financing Activities		 -5.93 -4.31 -22 -0.73 -0.47 -5.49 -2.99 -0.08 -7.60 -2.01
Issuance of Debt		 - - -20 - 20 - 0.00 - 43 205
Repayment of Debt		 - - 0.00 - -20 - 0.00 - -9.35 -205
Repurchase of Common Equity		 -5.83 -1.19 0.00 - - -2.53 0.00 - -42 0.04
Payment of Dividends		 -0.10 -0.46 -0.05 -0.56 -0.34 -2.58 0.00 - - -2.35
Other Financing Activities, Net		 - -2.66 -2.21 -0.17 -0.13 -0.38 -2.99 -0.08 0.16 0.59
Cash Interest Paid		 0.42 0.49 0.45 0.20 0.19 0.18 0.20 0.20 0.25 4.20
Cash Income Taxes Paid		 - - - - 0.40 0.13 - - 0.56 0.77

Annual Balance Sheets for Repay

This table presents Repay's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2022 2023 2024
Period end date 12/31/2022 12/31/2023 12/31/2024
Total Assets		 1,627 1,520 1,572
Cash and Due from Banks		 65 118 190
Restricted Cash		 29 26 36
Loans and Leases, Net of Allowance		 0.00 0.00 0.00
Premises and Equipment, Net		 4.38 3.13 2.38
Goodwill		 828 717 717
Intangible Assets		 501 447 389
Other Assets		 200 209 239
Total Liabilities & Shareholders' Equity		 1,627 1,520 1,572
Total Liabilities		 699 689 799
Short-Term Debt		 23 23 45
Accrued Interest Payable		 29 35 56
Other Short-Term Payables		 30 0.32 1.50
Long-Term Debt		 451 434 497
Other Long-Term Liabilities		 165 197 200
Commitments & Contingencies		 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 928 831 773
Total Preferred & Common Equity		 895 815 761
Total Common Equity		 895 815 761
Common Stock		 1,118 1,151 1,149
Retained Earnings		 -213 -324 -334
Treasury Stock		 -10 -13 -54
Noncontrolling Interest		 34 16 12

Quarterly Balance Sheets for Repay

This table presents Repay's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024
Total Assets		 1,640 1,581 1,576 1,583 1,517 1,522 1,564
Cash and Due from Banks		 64 92 104 118 128 147 169
Restricted Cash		 23 27 24 24 27 27 47
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Premises and Equipment, Net		 4.70 4.12 2.96 3.56 2.64 2.91 2.71
Goodwill		 828 793 793 793 717 717 717
Intangible Assets		 523 473 458 445 432 416 402
Other Assets		 198 193 194 200 211 212 227
Total Liabilities & Shareholders' Equity		 1,640 1,581 1,576 1,583 1,517 1,522 1,564
Total Liabilities		 705 678 672 680 687 691 795
Short-Term Debt		 23 21 19 20 24 24 29
Accrued Interest Payable		 25 27 28 29 29 27 52
Other Short-Term Payables		 27 4.38 0.54 1.60 0.55 1.85 2.23
Long-Term Debt		 451 432 433 433 435 436 496
Other Long-Term Liabilities		 180 193 192 196 199 203 215
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 935 903 904 902 829 831 770
Total Preferred & Common Equity		 899 871 879 880 814 815 755
Total Common Equity		 899 871 879 880 814 815 755
Common Stock		 1,113 1,121 1,133 1,141 1,155 1,161 1,138
Retained Earnings		 -207 -240 -244 -250 -329 -333 -330
Treasury Stock		 -6.82 -10 -10 -10 -13 -13 -54
Noncontrolling Interest		 36 32 25 22 15 15 15

Annual Metrics And Ratios for Repay

This table displays calculated financial ratios and metrics derived from Repay's official financial filings.

Metric 2022 2023 2024
Period end date 12/31/2022 12/31/2023 12/31/2024
Growth Metrics		 - - -
Revenue Growth		 25.41% 3.84% 8.97%
EBITDA Growth		 54.69% -109.73% 1,786.45%
EBIT Growth		 4.72% -118.60% 91.42%
NOPAT Growth		 20.23% -161.10% 91.42%
Net Income Growth		 115.60% -1,443.32% 91.19%
EPS Growth		 120.00% -1,125.00% 91.06%
Operating Cash Flow Growth		 39.18% 39.60% 44.85%
Free Cash Flow Firm Growth		 91.43% 170.88% -195.24%
Invested Capital Growth		 1.50% -8.19% 2.15%
Revenue Q/Q Growth		 2.32% 0.80% 24.97%
EBITDA Q/Q Growth		 -4.59% -110.27% 177.34%
EBIT Q/Q Growth		 -3.79% -119.47% 86.58%
NOPAT Q/Q Growth		 13.11% -119.47% 86.58%
Net Income Q/Q Growth		 1,873.66% -145.08% 87.69%
EPS Q/Q Growth		 0.00% -161.70% 87.50%
Operating Cash Flow Q/Q Growth		 -0.02% 14.39% -0.41%
Free Cash Flow Firm Q/Q Growth		 31.39% 114.60% -412.15%
Invested Capital Q/Q Growth		 -0.45% -5.05% 1.58%
Profitability Metrics		 - - -
EBITDA Margin		 21.51% -2.02% 31.20%
EBIT Margin		 -18.71% -39.38% -3.10%
Profit (Net Income) Margin		 3.18% -41.12% -3.32%
Tax Burden Percent		 58.61% 98.23% 94.73%
Interest Burden Percent		 -28.99% 106.29% 113.15%
Effective Tax Rate		 41.39% 0.00% 0.00%
Return on Invested Capital (ROIC)		 -2.17% -5.85% -0.52%
ROIC Less NNEP Spread (ROIC-NNEP)		 6.09% -14.17% -1.24%
Return on Net Nonoperating Assets (RNNOA)		 3.12% -7.50% -0.77%
Return on Equity (ROE)		 0.95% -13.35% -1.29%
Cash Return on Invested Capital (CROIC)		 -3.66% 2.68% -2.64%
Operating Return on Assets (OROA)		 -3.11% -7.15% -0.62%
Return on Assets (ROA)		 0.53% -7.46% -0.67%
Return on Common Equity (ROCE)		 0.91% -12.98% -1.27%
Return on Equity Simple (ROE_SIMPLE)		 0.98% -14.41% -1.36%
Net Operating Profit after Tax (NOPAT)		 -30 -79 -6.76
NOPAT Margin		 -10.96% -27.57% -2.17%
Net Nonoperating Expense Percent (NNEP)		 -8.25% 8.31% 0.72%
SG&A Expenses to Revenue		 0.00% 0.00% 0.00%
Operating Expenses to Revenue		 118.71% 139.38% 103.10%
Earnings before Interest and Taxes (EBIT)		 -51 -112 -9.65
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 59 -5.76 97
Valuation Ratios		 - - -
Price to Book Value (P/BV)		 0.82 0.99 0.92
Price to Tangible Book Value (P/TBV)		 0.00 0.00 0.00
Price to Revenue (P/Rev)		 2.65 2.83 2.25
Price to Earnings (P/E)		 56.88 0.00 0.00
Dividend Yield		 0.00% 0.00% 0.00%
Earnings Yield		 1.76% 0.00% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 0.82 0.88 0.78
Enterprise Value to Revenue (EV/Rev)		 4.16 3.98 3.31
Enterprise Value to EBITDA (EV/EBITDA)		 19.35 0.00 10.61
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 15.42 10.97 6.86
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 31.48 0.00
Leverage & Solvency		 - - -
Debt to Equity		 0.51 0.55 0.70
Long-Term Debt to Equity		 0.49 0.52 0.64
Financial Leverage		 0.51 0.53 0.62
Leverage Ratio		 1.80 1.79 1.93
Compound Leverage Factor		 -0.52 1.90 2.18
Debt to Total Capital		 33.81% 35.48% 41.21%
Short-Term Debt to Total Capital		 1.62% 1.76% 3.44%
Long-Term Debt to Total Capital		 32.18% 33.72% 37.77%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 2.41% 1.22% 0.90%
Common Equity to Total Capital		 63.79% 63.31% 57.88%
Debt to EBITDA		 8.02 -79.34 5.58
Net Debt to EBITDA		 6.43 -54.30 3.26
Long-Term Debt to EBITDA		 7.63 -75.42 5.12
Debt to NOPAT		 -15.72 -5.80 -80.23
Net Debt to NOPAT		 -12.62 -3.97 -46.90
Long-Term Debt to NOPAT		 -14.97 -5.52 -73.53
Noncontrolling Interest Sharing Ratio		 3.95% 2.81% 1.72%
Liquidity Ratios		 - - -
Cash Flow Metrics		 - - -
Free Cash Flow to Firm (FCFF)		 -51 36 -34
Operating Cash Flow to CapEx		 201.74% 203.90% 334.63%
Free Cash Flow to Firm to Interest Expense		 -11.64 9.33 -4.37
Operating Cash Flow to Interest Expense		 16.97 26.77 19.06
Operating Cash Flow Less CapEx to Interest Expense		 8.56 13.64 13.37
Efficiency Ratios		 - - -
Asset Turnover		 0.17 0.18 0.20
Fixed Asset Turnover		 67.27 76.07 112.82
Capital & Investment Metrics		 - - -
Invested Capital		 1,402 1,288 1,315
Invested Capital Turnover		 0.20 0.21 0.24
Increase / (Decrease) in Invested Capital		 21 -115 28
Enterprise Value (EV)		 1,144 1,137 1,030
Market Capitalization		 730 808 701
Book Value per Share		 $9.86 $8.61 $8.28
Tangible Book Value per Share		 ($4.78) ($3.68) ($3.75)
Total Capital		 1,402 1,288 1,315
Total Debt		 474 457 542
Total Long-Term Debt		 451 434 497
Net Debt		 381 313 317
Capital Expenditures (CapEx)		 37 51 45
Net Nonoperating Expense (NNE)		 -39 39 3.59
Net Nonoperating Obligations (NNO)		 474 457 542
Total Depreciation and Amortization (D&A)		 111 107 107
Earnings Adjustments		 - - -
Adjusted Basic Earnings per Share		 $0.14 ($1.23) ($0.11)
Adjusted Weighted Average Basic Shares Outstanding		 88.79M 90.05M 89.92M
Adjusted Diluted Earnings per Share		 $0.12 ($1.23) ($0.11)
Adjusted Weighted Average Diluted Shares Outstanding		 110.67M 90.05M 89.92M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 90.39M 96.16M 92.11M
Normalized Net Operating Profit after Tax (NOPAT)		 -27 -26 -6.76
Normalized NOPAT Margin		 -9.94% -8.99% -2.17%
Pre Tax Income Margin		 5.42% -41.86% -3.51%
Debt Service Ratios		 - - -
EBIT to Interest Expense		 -11.76 -29.06 -1.23
NOPAT to Interest Expense		 -6.89 -20.34 -0.86
EBIT Less CapEx to Interest Expense		 -20.17 -42.19 -6.92
NOPAT Less CapEx to Interest Expense		 -15.30 -33.47 -6.56
Payout Ratios		 - - -
Dividend Payout Ratio		 10.88% -3.00% -22.71%
Augmented Payout Ratio		 125.28% -5.16% -424.26%

Quarterly Metrics And Ratios for Repay

This table displays calculated financial ratios and metrics derived from Repay's official financial filings.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 17.06% 10.01% -4.30% 6.23% 3.86% 9.52% 24.84% -100.00% 24.17% 84.36%
EBITDA Growth		 38.92% -44.96% -60.29% 29.96% 10.91% -1,653.42% 183.93% 38.86% 75.21% 116.71%
EBIT Growth		 55.53% -9.08% -160.05% 40.45% 5.78% -252.79% 86.06% 65.33% 343.43% 79.64%
NOPAT Growth		 30.32% -9.08% -136.32% -152.13% 39.87% -252.79% 86.06% 65.33% 335.92% 79.64%
Net Income Growth		 173.51% 53.07% -316.76% -293.94% -220.70% -851.42% 80.79% 20.51% 149.58% 94.90%
EPS Growth		 171.43% 70.59% -350.00% 0.00% -240.00% -1,520.00% 80.00% 20.00% 142.86% 95.06%
Operating Cash Flow Growth		 73.33% -0.08% 51.45% 49.95% 10.40% 59.69% 19.06% 55.26% 114.75% -1.75%
Free Cash Flow Firm Growth		 91.64% 93.60% 110.77% 214.43% 207.93% 261.82% 129.11% -3.00% 42.17% -165.85%
Invested Capital Growth		 2.89% 1.50% -2.99% -4.98% -3.74% -8.19% -5.06% -4.76% -4.53% 2.15%
Revenue Q/Q Growth		 6.11% -4.37% -11.03% 10.79% 3.75% 0.83% 6.23% -100.00% 0.00% 49.72%
EBITDA Q/Q Growth		 49.56% -82.54% 15.03% 94.96% 27.64% -344.56% 147.58% -4.66% 61.06% -76.67%
EBIT Q/Q Growth		 67.21% -314.84% 1.80% 45.08% 48.11% -1,453.27% 96.81% -36.62% 464.25% -229.90%
NOPAT Q/Q Growth		 -144.98% -164.76% 1.80% 45.08% 48.11% -1,453.27% 96.81% -36.62% 453.02% -234.03%
Net Income Q/Q Growth		 497.04% -251.97% -242.14% 80.92% -21.65% -1,097.93% 93.09% 21.03% 175.88% -223.11%
EPS Q/Q Growth		 0.00% -200.00% -500.00% 83.33% -40.00% -1,057.14% 92.59% 33.33% 175.00% -233.33%
Operating Cash Flow Q/Q Growth		 90.38% -13.82% -4.58% -4.21% 40.16% 24.66% -28.86% 24.91% 93.87% -42.97%
Free Cash Flow Firm Q/Q Growth		 18.69% 19.64% 186.86% 119.48% -23.32% 20.48% 10.53% -7.07% 12.39% -155.81%
Invested Capital Q/Q Growth		 -1.22% -0.45% -3.27% -0.10% 0.07% -5.05% 0.07% 0.22% 0.31% 1.58%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 27.87% 5.09% 13.75% 24.19% 29.76% -72.18% 31.26% 0.00% 41.99% 6.54%
EBIT Margin		 -7.59% -32.94% -27.78% -13.77% -6.89% -106.10% -3.10% 0.00% 13.50% -11.72%
Profit (Net Income) Margin		 7.51% -11.93% -43.20% -7.44% -8.72% -103.65% -6.65% 0.00% 3.48% -2.86%
Tax Burden Percent		 109.68% 97.14% 118.48% 83.53% 76.44% 95.78% 105.96% 68.21% 67.84% 90.28%
Interest Burden Percent		 -90.15% 37.29% 131.23% 64.68% 165.70% 101.99% 202.20% 181.58% 38.03% 27.08%
Effective Tax Rate		 -9.68% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 32.16% 0.00%
Return on Invested Capital (ROIC)		 -1.61% -4.55% -3.90% -1.94% -0.99% -15.77% -0.50% 0.00% 1.72% -1.96%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.85% -2.94% -7.22% -1.61% -1.61% -20.50% -1.29% 0.00% 0.65% -0.48%
Return on Net Nonoperating Assets (RNNOA)		 0.42% -1.50% -3.65% -0.83% -0.81% -10.85% -0.68% 0.00% 0.38% -0.30%
Return on Equity (ROE)		 -1.19% -6.06% -7.55% -2.78% -1.80% -26.62% -1.18% 0.00% 2.10% -2.26%
Cash Return on Invested Capital (CROIC)		 -5.35% -3.66% 0.07% 2.51% 1.22% 2.68% 0.11% 0.14% 0.83% -2.64%
Operating Return on Assets (OROA)		 -1.24% -5.47% -4.73% -2.40% -1.21% -19.26% -0.61% 0.00% 2.14% -2.36%
Return on Assets (ROA)		 1.23% -1.98% -7.35% -1.30% -1.53% -18.81% -1.30% 0.00% 0.55% -0.58%
Return on Common Equity (ROCE)		 -1.14% -5.82% -7.26% -2.68% -1.75% -25.87% -1.14% 0.00% 2.06% -2.22%
Return on Equity Simple (ROE_SIMPLE)		 -0.05% 0.00% -3.68% -4.10% -5.44% 0.00% -11.66% -11.50% -11.14% 0.00%
Net Operating Profit after Tax (NOPAT)		 -5.96 -16 -13 -6.91 -3.58 -56 -1.75 -2.39 8.45 -11
NOPAT Margin		 -8.33% -23.06% -19.45% -9.64% -4.82% -74.27% -2.17% 0.00% 9.16% -8.20%
Net Nonoperating Expense Percent (NNEP)		 -2.46% -1.62% 3.32% -0.33% 0.63% 4.73% 0.79% 0.40% 1.07% -1.48%
SG&A Expenses to Revenue		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Operating Expenses to Revenue		 107.59% 132.94% 127.78% 113.77% 106.89% 206.10% 103.10% 0.00% 86.50% 111.72%
Earnings before Interest and Taxes (EBIT)		 -5.43 -23 -18 -9.87 -5.12 -80 -2.50 -3.42 12 -16
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 20 3.48 8.89 17 22 -54 25 24 39 9.04
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 0.72 0.82 0.68 0.83 0.82 0.99 1.30 1.24 0.99 0.92
Price to Tangible Book Value (P/TBV)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Price to Revenue (P/Rev)		 2.40 2.65 2.15 2.59 2.54 2.83 3.49 4.38 3.01 2.25
Price to Earnings (P/E)		 171.86 56.88 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Earnings Yield		 0.58% 1.76% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 0.76 0.82 0.71 0.79 0.78 0.88 1.07 1.02 0.83 0.78
Enterprise Value to Revenue (EV/Rev)		 3.97 4.16 3.48 3.83 3.72 3.98 4.55 5.68 4.32 3.31
Enterprise Value to EBITDA (EV/EBITDA)		 17.22 19.35 19.25 19.95 18.79 0.00 118.31 71.45 30.70 10.61
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 14.38 15.42 11.81 12.22 11.63 10.97 12.80 11.07 7.13 6.86
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 985.83 30.84 62.60 31.48 957.65 704.10 97.56 0.00
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.51 0.51 0.50 0.50 0.50 0.55 0.55 0.55 0.68 0.70
Long-Term Debt to Equity		 0.48 0.49 0.48 0.48 0.48 0.52 0.52 0.52 0.64 0.64
Financial Leverage		 0.50 0.51 0.50 0.52 0.50 0.53 0.53 0.53 0.59 0.62
Leverage Ratio		 1.77 1.80 1.78 1.75 1.75 1.79 1.79 1.79 1.88 1.93
Compound Leverage Factor		 -1.59 0.67 2.33 1.13 2.91 1.82 3.62 3.24 0.72 0.52
Debt to Total Capital		 33.64% 33.81% 33.42% 33.32% 33.46% 35.48% 35.61% 35.64% 40.55% 41.21%
Short-Term Debt to Total Capital		 1.65% 1.62% 1.57% 1.39% 1.49% 1.76% 1.84% 1.89% 2.22% 3.44%
Long-Term Debt to Total Capital		 31.99% 32.18% 31.85% 31.93% 31.96% 33.72% 33.77% 33.75% 38.33% 37.77%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 2.53% 2.41% 2.36% 1.85% 1.63% 1.22% 1.20% 1.19% 1.16% 0.90%
Common Equity to Total Capital		 63.83% 63.79% 64.22% 64.83% 64.91% 63.31% 63.19% 63.18% 58.29% 57.88%
Debt to EBITDA		 7.64 8.02 9.09 8.38 8.09 -79.34 39.40 25.04 15.00 5.58
Net Debt to EBITDA		 6.25 6.43 6.71 6.01 5.57 -54.30 26.10 15.56 8.85 3.26
Long-Term Debt to EBITDA		 7.27 7.63 8.66 8.03 7.73 -75.42 37.36 23.71 14.17 5.12
Debt to NOPAT		 -13.66 -15.72 -11.12 -12.51 -12.65 -5.80 -6.83 -7.34 -10.43 -80.23
Net Debt to NOPAT		 -11.16 -12.62 -8.20 -8.97 -8.71 -3.97 -4.52 -4.56 -6.15 -46.90
Long-Term Debt to NOPAT		 -12.99 -14.97 -10.59 -11.99 -12.08 -5.52 -6.47 -6.95 -9.86 -73.53
Noncontrolling Interest Sharing Ratio		 4.11% 3.95% 3.84% 3.35% 3.15% 2.81% 2.74% 0.00% 2.22% 1.72%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -46 -37 29 64 49 59 67 62 70 -39
Operating Cash Flow to CapEx		 93.71% 275.09% 151.73% 199.83% 199.39% 266.62% 222.85% 264.98% 534.32% 317.35%
Free Cash Flow to Firm to Interest Expense		 0.00 -8.36 0.00 0.00 0.00 15.29 0.00 0.00 0.00 -4.95
Operating Cash Flow to Interest Expense		 0.00 4.99 0.00 0.00 0.00 9.01 0.00 0.00 0.00 4.35
Operating Cash Flow Less CapEx to Interest Expense		 0.00 3.18 0.00 0.00 0.00 5.63 0.00 0.00 0.00 2.98
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.16 0.17 0.17 0.17 0.18 0.18 0.20 0.15 0.16 0.20
Fixed Asset Turnover		 68.36 67.27 69.39 75.11 68.59 76.07 89.56 78.73 79.42 112.82
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 1,409 1,402 1,356 1,355 1,356 1,288 1,288 1,291 1,295 1,315
Invested Capital Turnover		 0.19 0.20 0.20 0.20 0.20 0.21 0.23 0.17 0.19 0.24
Increase / (Decrease) in Invested Capital		 40 21 -42 -71 -53 -115 -69 -65 -61 28
Enterprise Value (EV)		 1,068 1,144 960 1,075 1,053 1,137 1,377 1,313 1,075 1,030
Market Capitalization		 645 730 594 726 719 808 1,058 1,012 750 701
Book Value per Share		 $9.85 $9.86 $9.64 $9.47 $9.29 $8.61 $8.46 $8.51 $8.21 $8.28
Tangible Book Value per Share		 ($4.95) ($4.78) ($4.37) ($4.01) ($3.77) ($3.68) ($3.48) ($3.32) ($3.97) ($3.75)
Total Capital		 1,409 1,402 1,356 1,355 1,356 1,288 1,288 1,291 1,295 1,315
Total Debt		 474 474 453 452 454 457 459 460 525 542
Total Long-Term Debt		 451 451 432 433 433 434 435 436 496 497
Net Debt		 387 381 335 324 312 313 304 286 310 317
Capital Expenditures (CapEx)		 27 7.94 14 9.99 14 13 11 12 11 11
Net Nonoperating Expense (NNE)		 -11 -7.61 15 -1.58 2.90 22 3.61 1.84 5.24 -7.37
Net Nonoperating Obligations (NNO)		 474 474 453 452 454 457 459 460 525 542
Total Depreciation and Amortization (D&A)		 25 26 27 27 27 25 28 27 26 25
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.07 ($0.08) ($0.30) ($0.05) ($0.07) ($0.81) ($0.06) ($0.04) $0.04 ($0.05)
Adjusted Weighted Average Basic Shares Outstanding		 88.74M 88.79M 88.62M 89.17M 91.16M 90.05M 91.22M 91.82B 88.26B 89.92M
Adjusted Diluted Earnings per Share		 $0.05 ($0.05) ($0.30) ($0.05) ($0.07) ($0.81) ($0.06) ($0.04) $0.03 ($0.04)
Adjusted Weighted Average Diluted Shares Outstanding		 110.11M 110.67M 88.62M 89.17M 91.16M 90.05M 91.22M 91.82B 103.13M 89.92M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 90.69M 90.39M 92.75M 94.70M 94.66M 96.16M 95.79M 91.90M 91.90M 92.11M
Normalized Net Operating Profit after Tax (NOPAT)		 -4.04 -15 -13 -6.91 -3.58 -56 -1.75 -55 8.45 -11
Normalized NOPAT Margin		 -5.65% -22.04% -19.45% -9.64% -4.82% -74.27% -2.17% 0.00% 9.16% -8.20%
Pre Tax Income Margin		 6.85% -12.28% -36.46% -8.91% -11.41% -108.22% -6.27% 0.00% 5.14% -3.17%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 0.00 -5.15 0.00 0.00 0.00 -20.55 0.00 0.00 0.00 -2.06
NOPAT to Interest Expense		 0.00 -3.61 0.00 0.00 0.00 -14.38 0.00 0.00 0.00 -1.44
EBIT Less CapEx to Interest Expense		 0.00 -6.97 0.00 0.00 0.00 -23.92 0.00 0.00 0.00 -3.43
NOPAT Less CapEx to Interest Expense		 0.00 -5.42 0.00 0.00 0.00 -17.76 0.00 0.00 0.00 -2.81
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 -98.96% 10.88% -3.13% -3.26% -2.94% -3.00% -3.66% -3.11% -3.07% -22.71%
Augmented Payout Ratio		 -2,103.33% 125.28% -37.30% -30.08% -10.97% -5.16% -8.32% -7.82% -57.78% -424.26%

Key Financial Trends

Repay Holdings Corp (NASDAQ: RPAY) has experienced a financial performance trend involving mixed earnings results and steady cash flow generation over the recent four years period, based on the available quarterly data from 2022 through 2024.

Key positive points:

  • Operating cash flow remains strong, with net cash from continuing operating activities consistently positive, notably $34.25 million in Q4 2024 and $60.06 million in Q3 2024, supporting ongoing business operations.
  • Continued investment in property, equipment, and leasehold improvements suggest the company is expanding or maintaining operations – e.g., $10.79 million in Q4 2024 and $11.24 million in Q3 2024.
  • Reduction in long-term debt observed from $450.6 million in Q3 2022 to $496.2 million in Q3 2024, along with repayments nearly matching issuances in recent quarters, indicating active debt management.
  • Total equity remains stable and strong over the years, around $700 million to $900 million, demonstrating an adequate capital base.
  • Non-operating income shows some improving trends sometimes offsetting losses; for example, a positive net nonoperating income of $11.8 million in Q4 2024, helping lessen overall losses.

Neutral items to monitor:

  • No total interest income or expense reported for several quarters in 2023 and 2024 suggesting low or zero net interest activity in certain periods, which is neutral but may reflect changes in financing or investment strategy.
  • Share count (weighted average basic & diluted shares) has significantly increased from around 88 million shares in early 2022 to over 90 million in 2024, causing some dilution of earnings but potentially supporting capital needs.
  • The company maintains a sizable goodwill and intangible asset balance (~$700-$800 million and ~$400 million respectively), which should be watched for impairments or write-downs in future periods.

Negative factors impacting performance:

  • The company has posted net losses for most quarters in the last two years with particularly large losses in Q4 2023 (-$77.7 million) and recurring negative net income in 2024 quarters, signaling profitability challenges.
  • Notable net realized and unrealized capital losses were seen in Q4 2024 (-$13.1 million), heavily impacting total revenue for that period.
  • Total non-interest expenses are very high relative to revenues, for example $154 million in Q4 2024 compared to total revenue of $138 million, contributing to negative operating leverage.
  • Repurchases of common equity and dividend payments, though modest, accompany net losses indicating a cash outflow pressure that could strain liquidity if losses continue.
  • The company’s earnings per share have been negative in most periods, with a steep -$0.81 EPS in Q4 2023 and negative EPS across 2024 quarters, affecting shareholder value.

In summary, Repay Holdings Corp has demonstrated good cash flow management and stable equity levels but faces ongoing challenges with profitability and high expenses. The consistent losses and capital impairments have weighed on net income and shareholder returns. Investors should closely watch the company's ability to control costs, improve revenue generation, and manage capital structure effectively.

09/16/25 05:08 PM ETAI Generated. May Contain Errors.

Financials Breakdown Chart

Frequently Asked Questions About Repay's Financials

When does Repay's fiscal year end?

According to the most recent income statement we have on file, Repay's financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has Repay's net income changed over the last 2 years?

Repay's net income appears to be on an upward trend, with a most recent value of -$10.35 million in 2024, falling from $8.74 million in 2022. The previous period was -$117.42 million in 2023. View Repay's forecast to see where analysts expect Repay to go next.

How has Repay's revenue changed over the last 2 years?

Over the last 2 years, Repay's total revenue changed from $274.98 million in 2022 to $311.16 million in 2024, a change of 13.2%.

How much debt does Repay have?

Repay's total liabilities were at $798.74 million at the end of 2024, a 15.9% increase from 2023, and a 14.3% increase since 2022.

How much cash does Repay have?

In the past 2 years, Repay's cash and equivalents has ranged from $64.90 million in 2022 to $189.53 million in 2024, and is currently $189.53 million as of their latest financial filing in 2024.

How has Repay's book value per share changed over the last 2 years?

Over the last 2 years, Repay's book value per share changed from 9.86 in 2022 to 8.28 in 2024, a change of -16.0%.


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This page (NASDAQ:RPAY) was last updated on 9/16/2025 by MarketBeat.com Staff
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