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Repay Holdings Corporation, a payments technology company, provides integrated payment processing solutions that enables consumers and businesses to make payments using electronic payment methods in the United States. It operates through two segments: Consumer Payments and Business Payments. The company offers payment acceptance solutions, such as debit and credit card processing, automated clearing house (ACH) processing, e-cash, and digital wallet services; virtual credit card processing, enhanced ACH processing, instant funding, clearing and settlement, and communication solutions; and proprietary payment channels that include Web-based, mobile application, text-to-pay, interactive voice response, and point of sale services. It serves customers primarily operating in the personal loans, automotive loans, receivables management, and business-to-business verticals through direct sales representatives and software integration partners. Repay Holdings Corporation was founded in 2006 and is headquartered in Atlanta, Georgia.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $309M | $-161M | $-257M | $49M | -53.0% | -1.2% | 2427.8% |
| 2024 | $313M | $101M | $-10M | $105M | -1.3% | 5.5% | -90.8% |
| 2023 | $297M | $-12M | $-110M | $39M | -13.6% | 6.2% | -960.8% |
| 2022 | $279M | $127M | $13M | $35M | 1.4% | - | - |
| 2021 | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Total Revenue | - | 279.23 | 296.63 | 313.04 | 309.26 |
| Operating Revenue | - | 279.23 | 296.63 | 313.04 | 309.26 |
| Cost Of Revenue | - | 64.83 | 69.70 | 71.64 | 77.24 |
| Gross Profit | - | 214.40 | 226.92 | 241.41 | 232.02 |
| Operating Expense | - | 256.81 | 252.51 | 249.18 | 244.05 |
| Selling General And Administration | - | 149.06 | 148.65 | 145.47 | 142.01 |
| Total Expenses | - | 321.64 | 322.21 | 320.81 | 321.30 |
| Operating Income | - | -42.41 | -25.59 | -7.77 | -12.03 |
| Total Operating Income As Reported | - | -47.20 | -111.41 | -7.77 | -254.72 |
| EBITDA | - | 127.04 | -11.81 | 100.66 | -160.96 |
| Normalized EBITDA | - | 131.83 | 74.02 | 87.53 | 80.35 |
| EBIT | - | 19.29 | -115.66 | -3.05 | -263.01 |
| Interest Income | - | 0.13 | 2.82 | 5.99 | 4.06 |
| Interest Expense | - | 4.38 | 3.87 | 7.87 | 13.95 |
| Net Interest Income | - | -4.24 | -1.05 | -1.88 | -9.89 |
| Other Non Operating Income Expenses | - | 66.36 | -7.07 | -14.40 | -13.72 |
| Other Income Expense | - | 61.57 | -92.90 | -1.27 | -255.04 |
| Interest Income Non Operating | - | 0.13 | 2.82 | 5.99 | 4.06 |
| Interest Expense Non Operating | - | 4.38 | 3.87 | 7.87 | 13.95 |
| Net Non Operating Interest Income Expense | - | -4.24 | -1.05 | -1.88 | -9.89 |
| Pretax Income | - | 14.92 | -119.54 | -10.92 | -276.96 |
| Tax Provision | - | 6.17 | -2.12 | -0.57 | -5.87 |
| Tax Rate For Calcs | - | 0 | 0 | 0 | 0 |
| Tax Effect Of Unusual Items | - | -1.01 | -1.54 | 0.70 | -5.07 |
| Net Income Continuous Operations | - | 8.74 | -117.42 | -10.34 | -271.09 |
| Net Income From Continuing And Discontinued Operation | - | 12.84 | -110.49 | -10.16 | -256.72 |
| Net Income From Continuing Operation Net Minority Interest | - | 12.84 | -110.49 | -10.16 | -256.72 |
| Net Income | - | 12.84 | -110.49 | -10.16 | -256.72 |
| Net Income Common Stockholders | - | 12.84 | -110.49 | -10.16 | -256.72 |
| Net Income Including Noncontrolling Interests | - | 8.74 | -117.42 | -10.34 | -271.09 |
| Normalized Income | - | 16.62 | -26.21 | -22.60 | -20.48 |
| Diluted NI Availto Com Stockholders | - | 12.84 | -110.49 | -10.16 | -256.72 |
| Basic Average Shares | - | 88.79 | 90.05 | 89.92 | 85.56 |
| Diluted Average Shares | - | 110.67 | 90.05 | 89.92 | 85.56 |
| Reconciled Depreciation | - | 107.75 | 103.86 | 103.71 | 102.05 |
| Reconciled Cost Of Revenue | - | 64.83 | 69.70 | 71.64 | 77.24 |
| Total Unusual Items | - | -4.79 | -85.83 | 13.14 | -241.31 |
| Total Unusual Items Excluding Goodwill | - | -4.79 | -85.83 | 13.14 | -241.31 |
| Minority Interests | - | 4.10 | 6.93 | 0.19 | 14.36 |
| Special Income Charges | - | -4.79 | -85.83 | 13.14 | -241.31 |
| Gain On Sale Of Business | - | 0 | -10.03 | 0 | 0 |
| Other Special Charges | 5.94 | - | - | -13.14 | -1.37 |
| Write Off | - | 8.09 | 75.80 | 0 | 242.69 |
| Restructuring And Mergern Acquisition | 5.85 | -3.30 | 0 | 0 | - |
| Depreciation Amortization Depletion Income Statement | - | 107.75 | 103.86 | 103.71 | 102.05 |
| Depreciation And Amortization In Income Statement | - | 107.75 | 103.86 | 103.71 | 102.05 |
| Total Other Finance Cost | 3.60 | 4.24 | 1.05 | - | - |
| Amortization | - | 105.39 | 101.43 | 101.97 | 100.89 |
| Amortization Of Intangibles Income Statement | - | 105.39 | 101.43 | 101.97 | 100.89 |
| Depreciation Income Statement | - | 2.36 | 2.43 | 1.74 | 1.16 |
Technology sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| Repay Holdings Corporationthis co. | RPAY | $328M | -1.28 | 0.68 | -53.0% | -4.03 |
| Vuzix Corporation | VUZI | $352M | - | 10.14 | -93.3% | - |
| Atomera Incorporated | ATOM | $350M | -17.37 | 19.06 | -109.8% | -17.61 |
| Telos Corporation | TLS | $334M | -9.15 | 3.49 | -38.1% | -11.48 |
| Digimarc Corporation | DMRC | $321M | -9.93 |
| - |
| - |
| - |
| - |
| - |
| - |
| 7.99 |
| -80.4% |
| -12.81 |
| Unisys Corporation | UIS | $315M | -0.93 | -1.11 | 120.2% | -5.58 |
| BK Technologies Corporation | BKTI | $311M | 22.96 | 6.95 | 30.3% | 16.30 |
| TechTarget, Inc. | TTGT | $306M | - | 0.51 | -169.6% | - |
| 8x8, Inc. | EGHT | $289M | 175.63 | 1.97 | 1.1% | 10.59 |
| Peer Median | - | -5.04 | 5.22 | -59.3% | -8.53 | |