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Repay (RPAY) Financials

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$3.80 +0.00 (+0.03%)
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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 2018 2020 2021 2022 2023 2024 2025
Period end date 12/31/2018 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 11 -106 -50 13 -110 -10 -257
Consolidated Net Income / (Loss)		 11 -117 -56 8.74 -117 -10 -271
Net Income / (Loss) Continuing Operations		 11 -117 -56 8.74 -117 -10 -271
Total Pre-Tax Income 		11 -130 -87 15 -120 -11 -277
Total Revenue		 130 155 219 275 286 311 299
Net Interest Income / (Expense)		 0.00 0.00 0.00 -4.25 -1.05 -1.88 -9.89
Total Interest Income		 0.00 0.00 0.00 0.13 2.82 5.99 4.06
Investment Securities Interest Income		 - - - 0.13 2.82 5.99 4.06
Total Interest Expense		 0.00 0.00 0.00 4.38 3.87 7.87 14
Long-Term Debt Interest Expense		 - - - 4.38 3.87 7.87 14
Total Non-Interest Income		 130 155 219 279 287 313 309
Net Realized & Unrealized Capital Gains on Investments		 - 0.00 0.00 0.00 -10 0.00 0.00
Other Non-Interest Income		 130 155 219 279 297 313 309
Total Non-Interest Expense		 113 187 273 326 398 321 564
Other Operating Expenses		 104 129 176 214 218 217 219
Depreciation Expense		 10 61 90 108 104 104 102
Impairment Charge		 - 0.00 2.18 8.09 76 0.00 243
Restructuring Charge		 -1.10 -2.51 5.85 -3.30 0.00 0.00 0.00
Nonoperating Income / (Expense), net		 -6.07 -98 -33 66 -7.07 -1.27 -12
Income Tax Expense		 0.00 -12 -31 6.17 -2.12 -0.58 -5.87
Net Income / (Loss) Attributable to Noncontrolling Interest		 0.00 -12 -5.95 -4.10 -6.93 -0.19 -14
Basic Earnings per Share		 $0.00 ($2.02) ($0.60) $0.14 ($1.23) ($0.11) ($3.00)
Weighted Average Basic Shares Outstanding		 0.00 52.18M 83.32M 88.79M 90.05M 89.92M 85.56M
Diluted Earnings per Share		 $0.00 ($2.02) ($0.60) $0.12 ($1.23) ($0.11) ($3.00)
Weighted Average Diluted Shares Outstanding		 0.00 52.18M 83.32M 110.67M 90.05M 89.92M 85.56M
Weighted Average Basic & Diluted Shares Outstanding		 0.00 52.18M 83.32M 90.39M 96.16M 92.11M 85.88M

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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 -6.17 -73 -5.21 -4.07 3.24 -4.12 -7.95 -102 -6.41 -140 -9.94
Consolidated Net Income / (Loss)		 -6.48 -78 -5.37 -4.24 3.22 -3.96 -8.17 -108 -6.62 -148 -10
Net Income / (Loss) Continuing Operations		 -6.48 -78 -5.37 -4.24 3.22 -3.96 -8.17 -108 -6.62 -148 -10
Total Pre-Tax Income 		-8.48 -81 -5.06 -6.21 4.74 -4.38 -8.62 -109 -8.43 -151 -8.00
Total Revenue		 74 75 81 75 78 138 76 74 76 75 77
Net Interest Income / (Expense)		 0.00 -1.05 0.38 0.55 -1.31 -1.88 -1.75 -1.89 -2.17 -4.07 -3.43
Total Interest Income		 0.00 2.82 1.29 1.46 1.61 5.99 1.36 1.20 0.91 0.60 0.42
Investment Securities Interest Income		 - - 1.29 1.46 1.61 - 1.36 1.20 0.91 0.60 0.42
Total Interest Expense		 0.00 3.87 0.91 0.91 2.92 7.87 3.11 3.09 3.09 4.67 3.84
Long-Term Debt Interest Expense		 - - 0.91 0.91 2.92 - 3.11 3.09 3.09 4.67 3.84
Total Non-Interest Income		 74 76 81 75 79 140 77 76 78 79 81
Other Non-Interest Income		 74 76 81 75 79 - 77 76 78 79 81
Total Non-Interest Expense		 79 154 83 78 80 154 81 181 81 222 81
Other Operating Expenses		 53 54 56 52 54 55 56 51 55 57 55
Depreciation Expense		 27 25 27 27 26 24 25 25 26 26 26
Nonoperating Income / (Expense), net		 -3.36 -1.59 -2.94 -3.35 6.72 12 -3.25 -2.54 -3.24 -3.32 -4.57
Income Tax Expense		 -2.00 -3.42 0.30 -1.98 1.52 -0.43 -0.45 -1.30 -1.81 -2.31 2.03
Net Income / (Loss) Attributable to Noncontrolling Interest		 -0.32 -4.39 -0.15 -0.17 -0.03 0.16 -0.22 -5.78 -0.20 -8.16 -0.09
Basic Earnings per Share		 ($0.07) ($0.81) ($0.06) ($0.04) $0.04 ($0.05) ($0.09) ($1.15) ($0.08) ($1.68) ($0.12)
Weighted Average Basic Shares Outstanding		 91.16M 90.05M 91.22M 91.82B 88.26B 89.92M 89.01M 88.65M 82.58M 85.56M 82.52M
Diluted Earnings per Share		 ($0.07) ($0.81) ($0.06) ($0.04) $0.03 ($0.04) ($0.09) ($1.15) ($0.08) ($1.68) ($0.12)
Weighted Average Diluted Shares Outstanding		 91.16M 90.05M 91.22M 91.82B 103.13M 89.92M 89.01M 88.65M 82.58M 85.56M 82.52M
Weighted Average Basic & Diluted Shares Outstanding		 94.66M 96.16M 95.79M 91.90M 91.90M 92.11M 94.15M 86.05M 86.06M 85.88M 89.67M

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 2018 2020 2021 2022 2023 2024 2025
Period end date 12/31/2018 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 10 69 -30 17 51 93 -81
Net Cash From Operating Activities		 24 28 53 74 104 150 91
Net Cash From Continuing Operating Activities		 24 28 53 74 104 150 91
Net Income / (Loss) Continuing Operations		 11 -117 -56 8.74 -117 -10 -271
Consolidated Net Income / (Loss)		 11 -117 -56 8.74 -117 -10 -271
Depreciation Expense		 10 61 90 108 104 104 102
Amortization Expense		 0.41 1.42 2.54 2.83 2.85 3.03 3.11
Non-Cash Adjustments to Reconcile Net Income		 0.81 61 12 21 106 5.64 255
Changes in Operating Assets and Liabilities, net		 2.00 22 5.10 -66 8.38 48 1.64
Net Cash From Investing Activities		 -5.80 -146 -397 -40 -24 -45 -42
Net Cash From Continuing Investing Activities		 -5.80 -146 -397 -40 -24 -45 -42
Purchase of Property, Leasehold Improvements and Equipment		 -5.80 -0.99 -24 -37 -51 -45 -42
Purchase of Investment Securities		 0.00 -145 -374 -2.75 -14 0.00 -0.20
Divestitures		 - - 0.00 0.00 40 0.00 0.00
Other Investing Activities, net		 - - - 0.00 0.00 0.00 0.00
Net Cash From Financing Activities		 -8.21 186 314 -17 -29 -13 -130
Net Cash From Continuing Financing Activities		 -8.21 186 314 -17 -29 -13 -130
Issuance of Debt		 3.00 60 460 0.00 0.00 248 0.00
Repayment of Debt		 -4.90 -19 -277 0.00 -20 -215 -72
Repurchase of Common Equity		 0.00 -1.42 -4.04 -10 -2.53 -42 -39
Payment of Dividends		 -6.31 -1.50 -0.06 -0.95 -3.53 -2.35 0.00
Other Financing Activities, Net		 0.00 -363 -7.45 -6.51 -2.89 -2.32 -20
Cash Interest Paid		 5.67 11 1.14 1.54 1.02 4.84 9.15
Cash Income Taxes Paid		 - - - 0.03 1.33 2.81 1.76

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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 13 2.76 11 19 41 21 -28 -0.21 -67 14 -69
Net Cash From Operating Activities		 28 35 25 31 60 34 2.50 33 32 23 17
Net Cash From Continuing Operating Activities		 28 35 25 31 60 34 2.50 33 32 23 17
Net Income / (Loss) Continuing Operations		 -6.48 -78 -5.37 -4.24 3.22 -3.96 -8.17 -108 -6.62 -148 -10
Consolidated Net Income / (Loss)		 -6.48 -78 -5.37 -4.24 3.22 -3.96 -8.17 -108 -6.62 -148 -10
Depreciation Expense		 27 25 27 27 26 24 25 25 26 26 26
Amortization Expense		 0.71 0.71 0.71 0.71 0.76 0.85 0.81 0.81 0.78 0.72 0.56
Non-Cash Adjustments to Reconcile Net Income		 3.27 78 8.67 7.02 1.31 -12 5.59 106 1.94 142 7.68
Changes in Operating Assets and Liabilities, net		 3.94 8.99 -6.24 0.71 29 25 -21 8.42 10 3.33 -6.92
Net Cash From Investing Activities		 -14 -27 -11 -12 -11 -11 -11 -10 -11 -9.54 -34
Net Cash From Continuing Investing Activities		 -14 -27 -11 -12 -11 -11 -11 -10 -11 -9.54 -34
Purchase of Property, Leasehold Improvements and Equipment		 -14 -13 -11 -12 -11 -11 -11 -10 -11 -9.34 -11
Purchase of Investment Securities		 - -14 - - - - 0.00 - - - -23
Other Investing Activities, net		 - - - - - - 0.00 - - - 0.00
Net Cash From Financing Activities		 -0.47 -5.49 -2.99 -0.08 -7.60 -2.01 -19 -23 -88 -0.04 -52
Net Cash From Continuing Financing Activities		 -0.47 -5.49 -2.99 -0.08 -7.60 -2.01 -19 -23 -88 -0.04 -52
Issuance of Debt		 20 - - - 43 205 0.00 - - - 110
Repayment of Debt		 -20 - - - -9.35 -205 0.00 - - - -147
Repurchase of Common Equity		 - -2.53 - - -42 0.04 0.00 - -16 -0.14 0.00
Other Financing Activities, Net		 -0.13 -0.38 -2.99 -0.08 0.16 0.59 -19 -0.17 -0.12 0.11 -15
Cash Interest Paid		 0.19 0.18 0.20 0.20 0.25 4.20 4.53 0.22 4.37 0.03 8.71
Cash Income Taxes Paid		 0.40 0.13 0.00 - 0.56 0.77 -0.03 1.82 -0.09 0.06 -0.04

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 2017 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2017 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 0.18 782 1,110 1,686 1,627 1,520 1,572 1,200
Cash and Due from Banks		 0.03 25 91 50 65 118 190 116
Restricted Cash		 - 13 15 26 29 26 36 40
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Premises and Equipment, Net		 - 1.61 1.63 3.80 4.38 3.13 2.38 1.24
Goodwill		 - 390 459 824 828 717 717 475
Intangible Assets		 - 333 369 578 501 447 389 330
Other Assets		 0.00 19 174 204 200 209 239 238
Total Liabilities & Shareholders' Equity		 0.18 782 1,110 1,686 1,627 1,520 1,572 1,200
Total Liabilities		 0.16 362 554 773 699 689 799 718
Short-Term Debt		 0.16 15 19 20 23 23 45 185
Accrued Interest Payable		 - 16 19 27 29 35 56 53
Other Short-Term Payables		 - 21 28 45 30 0.32 1.50 2.33
Long-Term Debt		 - 208 250 448 451 434 497 280
Other Long-Term Liabilities		 - 102 238 232 165 197 200 197
Commitments & Contingencies		 - 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 0.02 420 556 913 928 831 773 482
Total Preferred & Common Equity		 0.02 214 509 874 895 815 761 484
Total Common Equity		 0.02 214 509 874 895 815 761 484
Common Stock		 0.02 284 692 1,100 1,118 1,151 1,149 1,167
Retained Earnings		 -0.01 -70 -176 -226 -213 -324 -334 -591
Treasury Stock		 - - - 0.00 -10 -13 -54 -92
Noncontrolling Interest		 - 206 47 39 34 16 12 -2.65

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 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 1,640 1,581 1,576 1,583 1,517 1,522 1,564 1,535 1,413 1,333 1,141
Cash and Due from Banks		 64 92 104 118 128 147 169 165 163 96 44
Restricted Cash		 23 27 24 24 27 27 47 44 46 46 43
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 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 1.78 1.55 1.41 1.15
Goodwill		 828 793 793 793 717 717 717 717 613 613 475
Intangible Assets		 523 473 458 445 432 416 402 375 360 346 338
Other Assets		 198 193 194 200 211 212 227 233 230 231 240
Total Liabilities & Shareholders' Equity		 1,640 1,581 1,576 1,583 1,517 1,522 1,564 1,535 1,413 1,333 1,141
Total Liabilities		 705 678 672 680 687 691 795 768 774 711 666
Short-Term Debt		 23 21 19 20 24 24 29 24 240 169 24
Accrued Interest Payable		 25 27 28 29 29 27 52 43 49 51 48
Other Short-Term Payables		 27 4.38 0.54 1.60 0.55 1.85 2.23 0.46 0.55 2.35 0.95
Long-Term Debt		 451 432 433 433 435 436 496 498 279 280 391
Other Long-Term Liabilities		 180 193 192 196 199 203 215 203 205 209 202
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 935 903 904 902 829 831 770 767 639 622 475
Total Preferred & Common Equity		 899 871 879 880 814 815 755 756 634 617 478
Total Common Equity		 899 871 879 880 814 815 755 756 634 617 478
Common Stock		 1,113 1,121 1,133 1,141 1,155 1,161 1,138 1,151 1,154 1,159 1,171
Retained Earnings		 -207 -240 -244 -250 -329 -333 -330 -342 -444 -450 -600
Treasury Stock		 -6.82 -10 -10 -10 -13 -13 -54 -54 -76 -92 -92
Noncontrolling Interest		 36 32 25 22 15 15 15 11 5.71 5.51 -2.74

Annual Metrics And Ratios for Repay

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

Metric 2018 2020 2021 2022 2023 2024 2025
Period end date 12/31/2018 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 32,250,000.00 73,438,453.00 90,553,968.00 - - - 86,062,233.00
DEI Adjusted Shares Outstanding		 32,250,000.00 73,438,453.00 90,553,968.00 - - - 86,062,233.00
DEI Earnings Per Adjusted Shares Outstanding		 0.33 -1.60 -0.62 - - - -3.15
Growth Metrics		 - - - - - - -
Revenue Growth		 0.00% 0.00% 41.42% 25.41% 3.84% 8.97% -3.79%
EBITDA Growth		 0.00% 0.00% 26.54% 54.69% -109.73% 1,786.45% -264.23%
EBIT Growth		 0.00% 0.00% -68.69% 4.72% -118.60% 91.42% -2,641.77%
NOPAT Growth		 0.00% 0.00% -68.69% 20.23% -161.10% 91.42% -2,641.77%
Net Income Growth		 0.00% 0.00% 52.25% 115.60% -1,443.32% 91.19% -2,520.47%
EPS Growth		 0.00% 0.00% 70.30% 120.00% -1,125.00% 91.06% -2,627.27%
Operating Cash Flow Growth		 0.00% 0.00% 87.21% 39.18% 39.60% 44.85% -39.30%
Free Cash Flow Firm Growth		 0.00% 0.00% 0.00% 91.43% 170.88% -195.24% 631.49%
Invested Capital Growth		 0.00% 0.00% 67.51% 1.50% -8.19% 2.15% -27.98%
Revenue Q/Q Growth		 0.00% 0.00% 10.47% 2.32% 0.80% 24.97% -0.75%
EBITDA Q/Q Growth		 0.00% 0.00% -1.77% -4.59% -110.27% 177.34% -897.55%
EBIT Q/Q Growth		 0.00% 0.00% -24.25% -3.79% -119.47% 86.58% -120.46%
NOPAT Q/Q Growth		 0.00% 0.00% -24.25% 13.11% -119.47% 86.58% -120.46%
Net Income Q/Q Growth		 0.00% 0.00% -17.82% 1,873.66% -145.08% 87.69% -113.83%
EPS Q/Q Growth		 0.00% 0.00% -275.00% 0.00% -161.70% 87.50% -120.59%
Operating Cash Flow Q/Q Growth		 0.00% 0.00% 0.13% -0.02% 14.39% -0.41% -10.72%
Free Cash Flow Firm Q/Q Growth		 0.00% 100.00% -5.05% 31.39% 114.60% -412.15% 31.05%
Invested Capital Q/Q Growth		 0.00% -1.06% 0.90% -0.45% -5.05% 1.58% -11.58%
Profitability Metrics		 - - - - - - -
EBITDA Margin		 21.11% 19.49% 17.44% 21.51% -2.02% 31.20% -53.26%
EBIT Margin		 12.78% -20.65% -24.63% -18.71% -39.38% -3.10% -88.39%
Profit (Net Income) Margin		 8.10% -75.70% -25.56% 3.18% -41.12% -3.32% -90.55%
Tax Burden Percent		 100.00% 90.47% 64.61% 58.61% 98.23% 94.73% 97.88%
Interest Burden Percent		 63.44% 405.26% 160.62% -28.99% 106.29% 113.15% 104.67%
Effective Tax Rate		 0.00% 0.00% 0.00% 41.39% 0.00% 0.00% 0.00%
Return on Invested Capital (ROIC)		 0.00% -2.72% -3.43% -2.17% -5.85% -0.52% -16.37%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.00% -38.07% -8.37% 6.09% -14.17% -1.24% -33.42%
Return on Net Nonoperating Assets (RNNOA)		 0.00% -18.39% -4.20% 3.12% -7.50% -0.77% -26.83%
Return on Equity (ROE)		 0.00% -21.10% -7.63% 0.95% -13.35% -1.29% -43.20%
Cash Return on Invested Capital (CROIC)		 0.00% 0.00% -53.90% -3.66% 2.68% -2.64% 16.16%
Operating Return on Assets (OROA)		 18,841.22% -3.38% -3.86% -3.11% -7.15% -0.62% -19.09%
Return on Assets (ROA)		 11,951.96% -12.41% -4.01% 0.53% -7.46% -0.67% -19.56%
Return on Common Equity (ROCE)		 0.00% -15.63% -7.18% 0.91% -12.98% -1.27% -42.88%
Return on Equity Simple (ROE_SIMPLE)		 0.00% -23.04% -6.41% 0.98% -14.41% -1.36% -55.96%
Net Operating Profit after Tax (NOPAT)		 17 -22 -38 -30 -79 -6.76 -185
NOPAT Margin		 12.78% -14.45% -17.24% -10.96% -27.57% -2.17% -61.87%
Net Nonoperating Expense Percent (NNEP)		 0.00% 35.35% 4.95% -8.25% 8.31% 0.72% 17.05%
SG&A Expenses to Revenue		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Operating Expenses to Revenue		 87.22% 120.65% 124.63% 118.71% 139.38% 103.10% 188.39%
Earnings before Interest and Taxes (EBIT)		 17 -32 -54 -51 -112 -9.65 -265
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 27 30 38 59 -5.76 97 -159
Valuation Ratios		 - - - - - - -
Price to Book Value (P/BV)		 0.00 3.93 1.89 0.82 0.99 0.92 0.65
Price to Tangible Book Value (P/TBV)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Price to Revenue (P/Rev)		 2.46 12.91 7.55 2.65 2.83 2.25 1.05
Price to Earnings (P/E)		 30.30 0.00 0.00 56.88 0.00 0.00 0.00
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Earnings Yield		 3.30% 0.00% 0.00% 1.76% 0.00% 0.00% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 0.00 2.68 1.51 0.82 0.88 0.78 0.66
Enterprise Value to Revenue (EV/Rev)		 2.46 14.26 9.51 4.16 3.98 3.31 2.08
Enterprise Value to EBITDA (EV/EBITDA)		 11.64 73.15 54.55 19.35 0.00 10.61 0.00
Enterprise Value to EBIT (EV/EBIT)		 19.22 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 19.22 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 13.21 77.58 39.11 15.42 10.97 6.86 6.82
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 31.48 0.00 3.40
Leverage & Solvency		 - - - - - - -
Debt to Equity		 0.00 0.48 0.51 0.51 0.55 0.70 0.97
Long-Term Debt to Equity		 0.00 0.45 0.49 0.49 0.52 0.64 0.58
Financial Leverage		 0.00 0.48 0.50 0.51 0.53 0.62 0.80
Leverage Ratio		 8.94 1.94 1.90 1.80 1.79 1.93 2.21
Compound Leverage Factor		 5.67 7.86 3.06 -0.52 1.90 2.18 2.31
Debt to Total Capital		 0.00% 32.57% 33.91% 33.81% 35.48% 41.21% 49.14%
Short-Term Debt to Total Capital		 0.00% 2.26% 1.45% 1.62% 1.76% 3.44% 19.57%
Long-Term Debt to Total Capital		 0.00% 30.31% 32.46% 32.18% 33.72% 37.77% 29.57%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 5.68% 2.83% 2.41% 1.22% 0.90% -0.28%
Common Equity to Total Capital		 0.00% 61.75% 63.26% 63.79% 63.31% 57.88% 51.14%
Debt to EBITDA		 0.00 8.89 12.26 8.02 -79.34 5.58 -2.92
Net Debt to EBITDA		 0.00 5.36 10.26 6.43 -54.30 3.26 -1.94
Long-Term Debt to EBITDA		 0.00 8.27 11.73 7.63 -75.42 5.12 -1.76
Debt to NOPAT		 0.00 -11.99 -12.40 -15.72 -5.80 -80.23 -2.51
Net Debt to NOPAT		 0.00 -7.23 -10.38 -12.62 -3.97 -46.90 -1.67
Long-Term Debt to NOPAT		 0.00 -11.16 -11.87 -14.97 -5.52 -73.53 -1.51
Noncontrolling Interest Sharing Ratio		 0.00% 25.93% 5.85% 3.95% 2.81% 1.72% 0.74%
Liquidity Ratios		 - - - - - - -
Cash Flow Metrics		 - - - - - - -
Free Cash Flow to Firm (FCFF)		 0.00 0.00 -595 -51 36 -34 183
Operating Cash Flow to CapEx		 416.99% 2,865.90% 226.88% 201.74% 203.90% 334.63% 218.06%
Free Cash Flow to Firm to Interest Expense		 0.00 0.00 0.00 -11.64 9.33 -4.37 13.10
Operating Cash Flow to Interest Expense		 0.00 0.00 0.00 16.97 26.77 19.06 6.53
Operating Cash Flow Less CapEx to Interest Expense		 0.00 0.00 0.00 8.56 13.64 13.37 3.54
Efficiency Ratios		 - - - - - - -
Asset Turnover		 1,474.65 0.16 0.16 0.17 0.18 0.20 0.22
Fixed Asset Turnover		 0.00 95.73 80.77 67.27 76.07 112.82 165.13
Capital & Investment Metrics		 - - - - - - -
Invested Capital		 0.00 825 1,382 1,402 1,288 1,315 947
Invested Capital Turnover		 0.00 0.19 0.20 0.20 0.21 0.24 0.26
Increase / (Decrease) in Invested Capital		 0.00 0.00 557 21 -115 28 -368
Enterprise Value (EV)		 319 2,210 2,086 1,144 1,137 1,030 621
Market Capitalization		 319 2,001 1,654 730 808 701 314
Book Value per Share		 $0.00 $6.94 $9.65 $9.86 $8.61 $8.28 $5.63
Tangible Book Value per Share		 $0.00 ($4.34) ($5.83) ($4.78) ($3.68) ($3.75) ($3.72)
Total Capital		 0.00 825 1,382 1,402 1,288 1,315 947
Total Debt		 0.00 269 469 474 457 542 465
Total Long-Term Debt		 0.00 250 448 451 434 497 280
Net Debt		 0.00 162 392 381 313 317 310
Capital Expenditures (CapEx)		 5.80 0.99 24 37 51 45 42
Net Nonoperating Expense (NNE)		 6.07 95 18 -39 39 3.59 86
Net Nonoperating Obligations (NNO)		 0.00 269 469 474 457 542 465
Total Depreciation and Amortization (D&A)		 11 62 92 111 107 107 105
Earnings Adjustments		 - - - - - - -
Adjusted Basic Earnings per Share		 ($0.14) $0.00 ($0.60) $0.14 ($1.23) ($0.11) ($3.00)
Adjusted Weighted Average Basic Shares Outstanding		 32.25M 0.00 90.46M 88.79M 90.05M 89.92M 85.56M
Adjusted Diluted Earnings per Share		 ($0.14) $0.00 ($0.60) $0.12 ($1.23) ($0.11) ($3.00)
Adjusted Weighted Average Diluted Shares Outstanding		 32.25M 0.00 90.46M 110.67M 90.05M 89.92M 85.56M
Adjusted Basic & Diluted Earnings per Share		 ($0.14) $0.00 ($0.60) $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 7.17M 0.00 83.32M 90.39M 96.16M 92.11M 85.88M
Normalized Net Operating Profit after Tax (NOPAT)		 11 -24 -32 -27 -26 -6.76 -15
Normalized NOPAT Margin		 8.35% -15.59% -14.68% -9.94% -8.99% -2.17% -5.13%
Pre Tax Income Margin		 8.10% -83.67% -39.56% 5.42% -41.86% -3.51% -92.51%
Debt Service Ratios		 - - - - - - -
EBIT to Interest Expense		 0.00 0.00 0.00 -11.76 -29.06 -1.23 -18.97
NOPAT to Interest Expense		 0.00 0.00 0.00 -6.89 -20.34 -0.86 -13.28
EBIT Less CapEx to Interest Expense		 0.00 0.00 0.00 -20.17 -42.19 -6.92 -21.97
NOPAT Less CapEx to Interest Expense		 0.00 0.00 0.00 -15.30 -33.47 -6.56 -16.28
Payout Ratios		 - - - - - - -
Dividend Payout Ratio		 59.86% -1.27% -0.11% 10.88% -3.00% -22.71% 0.00%
Augmented Payout Ratio		 59.86% -2.48% -7.32% 125.28% -5.16% -424.26% -14.22%

Quarterly Metrics And Ratios for Repay

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

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - 92,108,418.00 94,150,009.00 86,046,966.00 86,062,233.00 85,881,082.00
DEI Adjusted Shares Outstanding		 - - - - - - 92,108,418.00 94,150,009.00 86,046,966.00 86,062,233.00 85,881,082.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - -0.09 -1.15 -0.08 -1.72 -0.12
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 3.86% 9.52% 24.84% -100.00% 24.17% 84.36% -6.81% -2.28% -2.93% -2.93% 2.37%
EBITDA Growth		 10.91% -1,653.42% 183.93% 38.86% 75.21% 116.71% -19.06% -427.05% -12.63% -636.15% 9.31%
EBIT Growth		 5.78% -252.79% 86.06% 65.33% 343.43% 79.64% -152.87% -3,624.94% -161.11% -5,405.05% 36.03%
NOPAT Growth		 39.87% -252.79% 86.06% 65.33% 335.92% 79.64% -152.87% -3,624.94% -169.42% -5,405.05% 36.03%
Net Income Growth		 -220.70% -851.42% 80.79% 20.51% 149.58% 94.90% -52.25% -2,449.73% -305.82% -3,646.11% -22.85%
EPS Growth		 -240.00% -1,520.00% 80.00% 20.00% 142.86% 95.06% -50.00% -2,775.00% -366.67% -4,100.00% -33.33%
Operating Cash Flow Growth		 10.40% 59.69% 19.06% 55.26% 114.75% -1.75% -89.91% 6.73% -46.34% -31.93% 572.11%
Free Cash Flow Firm Growth		 207.93% 261.82% 129.11% -3.00% 42.17% -165.85% -107.15% -8.54% 266.30% 997.87% 8,369.17%
Invested Capital Growth		 -3.74% -8.19% -5.06% -4.76% -4.53% 2.15% 0.08% -10.22% -17.26% -27.98% -30.97%
Revenue Q/Q Growth		 3.75% 0.83% 6.23% -100.00% 0.00% 49.72% -1.55% -2.43% 2.46% -1.37% 3.83%
EBITDA Q/Q Growth		 27.64% -344.56% 147.58% -4.66% 61.06% -76.67% -8.07% -488.29% 126.38% -669.40% 118.74%
EBIT Q/Q Growth		 48.11% -1,453.27% 96.81% -36.62% 464.25% -229.90% -100.79% -1,888.34% 95.15% -2,741.21% 97.67%
NOPAT Q/Q Growth		 48.11% -1,453.27% 96.81% -36.62% 453.02% -234.03% -100.79% -1,888.34% 95.15% -2,741.21% 97.67%
Net Income Q/Q Growth		 -21.65% -1,097.93% 93.09% 21.03% 175.88% -223.11% -106.37% -1,222.62% 93.88% -2,140.76% 93.23%
EPS Q/Q Growth		 -40.00% -1,057.14% 92.59% 33.33% 175.00% -233.33% -125.00% -1,177.78% 93.04% -2,000.00% 92.86%
Operating Cash Flow Q/Q Growth		 40.16% 24.66% -28.86% 24.91% 93.87% -42.97% -92.69% 1,221.01% -2.53% -27.65% -27.85%
Free Cash Flow Firm Q/Q Growth		 -23.32% 20.48% 10.53% -7.07% 12.39% -155.81% 83.74% 1,291.70% 284.52% 20.50% 49.76%
Invested Capital Q/Q Growth		 0.07% -5.05% 0.07% 0.22% 0.31% 1.58% -2.00% -10.10% -7.55% -11.58% -6.06%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 29.76% -72.18% 31.26% 0.00% 41.99% 6.54% 27.43% -109.18% 28.11% -162.27% 29.29%
EBIT Margin		 -6.89% -106.10% -3.10% 0.00% 13.50% -11.72% -7.11% -144.83% -6.86% -197.63% -4.44%
Profit (Net Income) Margin		 -8.72% -103.65% -6.65% 0.00% 3.48% -2.86% -10.81% -146.51% -8.76% -198.98% -12.97%
Tax Burden Percent		 76.44% 95.78% 105.96% 68.21% 67.84% 90.28% 94.76% 98.81% 78.54% 98.46% 125.41%
Interest Burden Percent		 165.70% 101.99% 202.20% 181.58% 38.03% 27.08% 160.49% 102.37% 162.55% 102.26% 232.86%
Effective Tax Rate		 0.00% 0.00% 0.00% 0.00% 32.16% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Return on Invested Capital (ROIC)		 -0.99% -15.77% -0.50% 0.00% 1.72% -1.96% -1.18% -25.16% -1.22% -36.61% -0.86%
ROIC Less NNEP Spread (ROIC-NNEP)		 -1.61% -20.50% -1.29% 0.00% 0.65% -0.48% -2.08% -31.95% -1.84% -45.58% -2.49%
Return on Net Nonoperating Assets (RNNOA)		 -0.81% -10.85% -0.68% 0.00% 0.38% -0.30% -1.28% -21.29% -1.29% -36.59% -1.88%
Return on Equity (ROE)		 -1.80% -26.62% -1.18% 0.00% 2.10% -2.26% -2.46% -46.44% -2.51% -73.20% -2.74%
Cash Return on Invested Capital (CROIC)		 1.22% 2.68% 0.11% 0.14% 0.83% -2.64% -0.78% 4.10% 11.79% 16.16% 19.76%
Operating Return on Assets (OROA)		 -1.21% -19.26% -0.61% 0.00% 2.14% -2.36% -1.42% -29.99% -1.43% -42.69% -1.00%
Return on Assets (ROA)		 -1.53% -18.81% -1.30% 0.00% 0.55% -0.58% -2.16% -30.34% -1.82% -42.99% -2.92%
Return on Common Equity (ROCE)		 -1.75% -25.87% -1.14% 0.00% 2.06% -2.22% -2.42% -45.78% -2.47% -72.67% -2.72%
Return on Equity Simple (ROE_SIMPLE)		 -5.44% 0.00% -11.66% -11.50% -11.14% 0.00% -1.74% -18.45% -20.55% 0.00% -57.10%
Net Operating Profit after Tax (NOPAT)		 -3.58 -56 -1.75 -2.39 8.45 -11 -3.76 -75 -3.63 -103 -2.41
NOPAT Margin		 -4.82% -74.27% -2.17% 0.00% 9.16% -8.20% -4.97% -101.38% -4.80% -138.34% -3.11%
Net Nonoperating Expense Percent (NNEP)		 0.63% 4.73% 0.79% 0.40% 1.07% -1.48% 0.90% 6.80% 0.61% 8.97% 1.63%
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% 0.00%
Operating Expenses to Revenue		 106.89% 206.10% 103.10% 0.00% 86.50% 111.72% 107.11% 244.83% 106.86% 297.63% 104.44%
Earnings before Interest and Taxes (EBIT)		 -5.12 -80 -2.50 -3.42 12 -16 -5.37 -107 -5.18 -147 -3.44
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 22 -54 25 24 39 9.04 21 -81 21 -121 23
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.82 0.99 1.30 1.24 0.99 0.92 0.68 0.72 0.73 0.65 0.47
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 0.00
Price to Revenue (P/Rev)		 2.54 2.83 3.49 4.38 3.01 2.25 1.68 1.49 1.49 1.05 0.74
Price to Earnings (P/E)		 0.00 0.00 0.00 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% 0.00%
Earnings Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 0.78 0.88 1.07 1.02 0.83 0.78 0.65 0.66 0.71 0.66 0.62
Enterprise Value to Revenue (EV/Rev)		 3.72 3.98 4.55 5.68 4.32 3.31 2.74 2.53 2.53 2.08 1.82
Enterprise Value to EBITDA (EV/EBITDA)		 18.79 0.00 118.31 71.45 30.70 10.61 9.08 0.00 0.00 0.00 0.00
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 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 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 11.63 10.97 12.80 11.07 7.13 6.86 6.55 5.93 7.47 6.82 5.20
Enterprise Value to Free Cash Flow (EV/FCFF)		 62.60 31.48 957.65 704.10 97.56 0.00 0.00 15.35 5.47 3.40 2.55
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.50 0.55 0.55 0.55 0.68 0.70 0.68 0.81 0.72 0.97 0.87
Long-Term Debt to Equity		 0.48 0.52 0.52 0.52 0.64 0.64 0.65 0.44 0.45 0.58 0.82
Financial Leverage		 0.50 0.53 0.53 0.53 0.59 0.62 0.61 0.67 0.70 0.80 0.75
Leverage Ratio		 1.75 1.79 1.79 1.79 1.88 1.93 1.91 2.00 2.08 2.21 2.15
Compound Leverage Factor		 2.91 1.82 3.62 3.24 0.72 0.52 3.07 2.04 3.38 2.26 5.02
Debt to Total Capital		 33.46% 35.48% 35.61% 35.64% 40.55% 41.21% 40.48% 44.82% 41.90% 49.14% 46.59%
Short-Term Debt to Total Capital		 1.49% 1.76% 1.84% 1.89% 2.22% 3.44% 1.87% 20.74% 15.80% 19.57% 2.69%
Long-Term Debt to Total Capital		 31.96% 33.72% 33.77% 33.75% 38.33% 37.77% 38.61% 24.08% 26.09% 29.57% 43.90%
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% 0.00%
Noncontrolling Interests to Total Capital		 1.63% 1.22% 1.20% 1.19% 1.16% 0.90% 0.89% 0.49% 0.51% -0.28% -0.31%
Common Equity to Total Capital		 64.91% 63.31% 63.19% 63.18% 58.29% 57.88% 58.63% 54.69% 57.59% 51.14% 53.72%
Debt to EBITDA		 8.09 -79.34 39.40 25.04 15.00 5.58 5.66 -40.22 -28.08 -2.92 -2.63
Net Debt to EBITDA		 5.57 -54.30 26.10 15.56 8.85 3.26 3.39 -24.03 -19.20 -1.94 -2.08
Long-Term Debt to EBITDA		 7.73 -75.42 37.36 23.71 14.17 5.12 5.40 -21.61 -17.49 -1.76 -2.48
Debt to NOPAT		 -12.65 -5.80 -6.83 -7.34 -10.43 -80.23 -57.79 -6.35 -5.34 -2.51 -2.25
Net Debt to NOPAT		 -8.71 -3.97 -4.52 -4.56 -6.15 -46.90 -34.62 -3.80 -3.65 -1.67 -1.78
Long-Term Debt to NOPAT		 -12.08 -5.52 -6.47 -6.95 -9.86 -73.53 -55.11 -3.41 -3.33 -1.51 -2.12
Noncontrolling Interest Sharing Ratio		 3.15% 2.81% 2.74% 0.00% 2.22% 1.72% 1.69% 1.43% 1.47% 0.74% 0.70%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 49 59 67 62 70 -39 -4.80 57 220 265 397
Operating Cash Flow to CapEx		 199.39% 266.62% 222.85% 264.98% 534.32% 317.35% 23.75% 315.96% 281.63% 249.70% 147.05%
Free Cash Flow to Firm to Interest Expense		 0.00 15.29 0.00 0.00 0.00 -4.95 -1.54 18.52 71.26 56.75 103.21
Operating Cash Flow to Interest Expense		 0.00 9.01 0.00 0.00 0.00 4.35 0.81 10.71 10.45 5.00 4.38
Operating Cash Flow Less CapEx to Interest Expense		 0.00 5.63 0.00 0.00 0.00 2.98 -2.59 7.32 6.74 2.99 1.40
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.18 0.18 0.20 0.15 0.16 0.20 0.20 0.21 0.21 0.22 0.23
Fixed Asset Turnover		 68.59 76.07 89.56 78.73 79.42 112.82 138.30 136.19 146.42 165.13 205.50
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 1,356 1,288 1,288 1,291 1,295 1,315 1,289 1,159 1,071 947 890
Invested Capital Turnover		 0.20 0.21 0.23 0.17 0.19 0.24 0.24 0.25 0.26 0.26 0.28
Increase / (Decrease) in Invested Capital		 -53 -115 -69 -65 -61 28 1.04 -132 -223 -368 -399
Enterprise Value (EV)		 1,053 1,137 1,377 1,313 1,075 1,030 837 770 762 621 548
Market Capitalization		 719 808 1,058 1,012 750 701 513 454 450 314 223
Book Value per Share		 $9.29 $8.61 $8.46 $8.51 $8.21 $8.28 $8.20 $6.73 $7.17 $5.63 $5.57
Tangible Book Value per Share		 ($3.77) ($3.68) ($3.48) ($3.32) ($3.97) ($3.75) ($3.64) ($3.60) ($3.97) ($3.72) ($3.90)
Total Capital		 1,356 1,288 1,288 1,291 1,295 1,315 1,289 1,159 1,071 947 890
Total Debt		 454 457 459 460 525 542 522 519 449 465 415
Total Long-Term Debt		 433 434 435 436 496 497 498 279 280 280 391
Net Debt		 312 313 304 286 310 317 313 310 307 310 328
Capital Expenditures (CapEx)		 14 13 11 12 11 11 11 10 11 9.34 11
Net Nonoperating Expense (NNE)		 2.90 22 3.61 1.84 5.24 -7.37 4.41 33 2.99 45 7.63
Net Nonoperating Obligations (NNO)		 454 457 459 460 525 542 522 519 449 465 415
Total Depreciation and Amortization (D&A)		 27 25 28 27 26 25 26 26 26 26 26
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 ($0.07) ($0.81) ($0.06) ($0.04) $0.04 ($0.05) ($0.09) ($1.15) ($0.08) ($1.68) ($0.12)
Adjusted Weighted Average Basic Shares Outstanding		 91.16M 90.05M 91.22M 91.82B 88.26B 89.92M 89.01M 88.65M 82.58M 85.56M 82.52M
Adjusted Diluted Earnings per Share		 ($0.07) ($0.81) ($0.06) ($0.04) $0.03 ($0.04) ($0.09) ($1.15) ($0.08) ($1.68) ($0.12)
Adjusted Weighted Average Diluted Shares Outstanding		 91.16M 90.05M 91.22M 91.82B 103.13M 89.92M 89.01M 88.65M 82.58M 85.56M 82.52M
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 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 94.66M 96.16M 95.79M 91.90M 91.90M 92.11M 94.15M 86.05M 86.06M 85.88M 89.67M
Normalized Net Operating Profit after Tax (NOPAT)		 -3.58 -56 -1.75 -55 8.45 -11 -3.76 -2.11 -3.63 -103 -2.41
Normalized NOPAT Margin		 -4.82% -74.27% -2.17% 0.00% 9.16% -8.20% -4.97% -2.86% -4.80% -138.34% -3.11%
Pre Tax Income Margin		 -11.41% -108.22% -6.27% 0.00% 5.14% -3.17% -11.41% -148.27% -11.15% -202.09% -10.34%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.00 -20.55 0.00 0.00 0.00 -2.06 -1.73 -34.59 -1.68 -31.55 -0.89
NOPAT to Interest Expense		 0.00 -14.38 0.00 0.00 0.00 -1.44 -1.21 -24.22 -1.18 -22.08 -0.63
EBIT Less CapEx to Interest Expense		 0.00 -23.92 0.00 0.00 0.00 -3.43 -5.12 -37.98 -5.39 -33.55 -3.87
NOPAT Less CapEx to Interest Expense		 0.00 -17.76 0.00 0.00 0.00 -2.81 -4.60 -27.61 -4.89 -24.08 -3.60
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 -2.94% -3.00% -3.66% -3.11% -3.07% -22.71% 0.00% 0.00% 0.00% 0.00% 0.00%
Augmented Payout Ratio		 -10.97% -5.16% -8.32% -7.82% -57.78% -424.26% 0.00% -54.89% -30.27% -14.22% -14.12%

Financials Breakdown Chart

Key Financial Trends

Repay Holdings (NASDAQ: RPAY) shows a mixed but improving near-term picture, with stronger operating cash flow in Q1 2026 even as the company remained unprofitable. Over the last several years, revenue has been fairly steady, but earnings have been volatile due to a large impairment charge in 2025 and ongoing heavy non-cash expenses. The balance sheet has also changed meaningfully, with debt rising and cash falling sharply in the most recent quarter.

  • Operating cash flow improved sharply in Q1 2026. Net cash from operating activities rose to $16.8 million, up from $23.3 million in Q4 2025 but better than the weak $2.5 million in Q1 2025 and the negative trend seen earlier in 2025.
  • Revenue remained relatively stable year over year. Q1 2026 total revenue was $77.4 million, roughly in line with recent quarters and above the $75.6 million reported in Q1 2025.
  • Operating expenses were more controlled in Q1 2026 than in the impairment-affected 2025 quarters. Total non-interest expense was $80.8 million, far below the distorted Q2 2025 and Q4 2025 results that included a large impairment charge.
  • The company continued to generate positive adjusted cash from operations despite net losses. Non-cash items, especially depreciation and amortization, continue to support cash generation even when reported earnings are negative.
  • Cash and restricted cash still provide a meaningful liquidity cushion. Repay ended Q1 2026 with about $86.8 million combined cash and restricted cash.
  • Top-line growth has been modest. Revenue has hovered in the mid-$70 million range for most recent quarters, suggesting the business is not seeing dramatic acceleration yet.
  • Profitability remains challenged. Q1 2026 net loss attributable to common shareholders was $9.9 million, or $0.12 per share.
  • Depreciation and amortization remain sizable. These non-cash charges continue to be a large part of the company’s financial profile and help explain why cash flow and net income differ so much.
  • Intangible assets and goodwill still make up a large portion of assets. That means the balance sheet remains sensitive to future impairment risk if performance weakens.
  • Debt increased materially versus a year ago. Total debt rose to about $414.5 million in Q1 2026 from about $303.5 million in Q1 2025, increasing leverage risk.
  • Cash declined sharply in Q1 2026. Cash and due from banks fell to $43.8 million from $95.7 million in Q3 2025 and $165.5 million in Q1 2025.
  • Net losses have persisted for several quarters. After a brief positive quarter in Q3 2024, Repay has again posted losses in most recent quarters, including Q1 2026.
  • Financing activity has been a drag on cash. Q1 2026 financing cash flow was negative $51.7 million, driven largely by debt repayment and other financing outflows.

Bottom line: Repay’s core revenue appears stable and operating cash flow improved in Q1 2026, but the company still faces leverage, cash decline, and continued net losses. Investors will likely want to see sustained earnings improvement and a more stable balance sheet before the trend looks fully durable.

07/21/26 11:02 AM ETAI Generated. May Contain Errors.

Repay Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Repay's financial year ends in December. Their financial year 2025 ended on December 31, 2025.

Repay's net income appears to be on an upward trend, with a most recent value of -$271.09 million in 2025, falling from $10.54 million in 2018. The previous period was -$10.35 million in 2024. See Repay's forecast for analyst expectations on what's next for the company.

Over the last 6 years, Repay's total revenue changed from $130.01 million in 2018 to $299.38 million in 2025, a change of 130.3%.

Repay's total liabilities were at $717.97 million at the end of 2025, a 10.1% decrease from 2024, and a 458,371.9% increase since 2017.

In the past 7 years, Repay's cash and equivalents has ranged from $25.82 thousand in 2017 to $189.53 million in 2024, and is currently $115.69 million as of their latest financial filing in 2025.

Over the last 6 years, Repay's book value per share changed from 0.00 in 2018 to 5.63 in 2025, a change of 562.9%.


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Financial statements for NASDAQ:RPAY last updated on 7/2/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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