Repay Holdings CorpRPAYEarnings & Financial Report
Repay Holdings Corp is a leading payment technology provider delivering integrated end-to-end payment processing solutions for businesses across North America. Its offerings include credit/debit card processing, ACH transfer services, POS system integrations and digital payment tools, serving retail, healthcare, automotive and e-commerce segments to help clients streamline transaction workflows and boost operational efficiency.
RPAY Q4 FY2025 Key Financial Metrics
Revenue
$78.6M
Gross Profit
$58.3M
Operating Profit
$-143.2M
Net Profit
$-140.1M
Gross Margin
74.2%
Operating Margin
-182.2%
Net Margin
-178.3%
YoY Growth
0.4%
EPS
$-1.68
Repay Holdings Corp Q4 FY2025 Financial Summary
Repay Holdings Corp reported revenue of $78.6M (up 0.4% YoY) for Q4 FY2025, with a net profit of $-140.1M (down 3304.1% YoY) (-178.3% margin). Cost of goods sold was $20.2M, operating expenses totaled $201.5M.
Key Financial Metrics
| Total Revenue | $78.6M |
|---|---|
| Net Profit | $-140.1M |
| Gross Margin | 74.2% |
| Operating Margin | -182.2% |
| Report Period | Q4 FY2025 |
Revenue Breakdown
Repay Holdings Corp Q4 FY2025 revenue of $78.6M breaks down across 3 segments, led by Sales Channel Directly To Consumer at $69.4M (88.3% of total).
| Segment | Revenue | % of Total |
|---|---|---|
| Sales Channel Directly To Consumer | $69.4M | 88.3% |
| Other | $6.8M | 8.7% |
| Sales Channel Through Intermediary | $2.3M | 3.0% |
Repay Holdings Corp Revenue by Segment — Quarterly Trend
Repay Holdings Corp revenue by segment across the last 4 reported quarters, showing how each business line (such as Sales Channel Directly To Consumer and Other) has evolved quarter over quarter.
| Segment | Q4 FY2025 | Q3 FY2025 | Q2 FY2025 | Q1 FY2025 |
|---|---|---|---|---|
| Sales Channel Directly To Consumer | $69.4M | $69.3M | $67.9M | $69.3M |
| Other | $6.8M | $6.0M | $5.2M | $5.4M |
| Sales Channel Through Intermediary | $2.3M | $2.4M | $2.6M | $2.7M |
Repay Holdings Corp Annual Revenue by Year
Repay Holdings Corp annual revenue history includes year-by-year totals (for example, 2025 revenue was $309.3M).
Repay Holdings Corp Quarterly Revenue & Net Profit History
Repay Holdings Corp results over the last 8 reported quarters, including revenue, net profit and year-over-year growth.
| Quarter | Revenue | Revenue YoY | Net Profit | Net Margin |
|---|---|---|---|---|
| Q4 FY2025 | $78.6M | +0.4% | $-140.1M | -178.3% |
| Q3 FY2025 | $77.7M | -1.8% | $-6.4M | -8.3% |
| Q2 FY2025 | $75.6M | +1.0% | $-102.3M | -135.2% |
| Q1 FY2025 | $77.3M | -4.2% | $-7.9M | -10.3% |
| Q4 FY2024 | $78.3M | +3.0% | $-4.1M | -5.3% |
| Q3 FY2024 | $79.1M | +6.5% | $3.2M | 4.1% |
| Q2 FY2024 | $74.9M | +4.4% | $-4.1M | -5.4% |
| Q1 FY2024 | $80.7M | +8.3% | $-5.2M | -6.5% |
Income Statement
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $80.7M | $74.9M | $79.1M | $78.3M | $77.3M | $75.6M | $77.7M | $78.6M |
| YoY Growth | 8.3% | 4.4% | 6.5% | 3.0% | -4.2% | 1.0% | -1.8% | 0.4% |
Balance Sheet
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Assets | $1.52B | $1.52B | $1.56B | $1.57B | $1.54B | $1.41B | $1.33B | $1.20B |
| Liabilities | $687.4M | $690.9M | $794.6M | $798.7M | $768.2M | $774.0M | $711.1M | $718.0M |
| Equity | $813.8M | $815.4M | $754.7M | $761.3M | $755.7M | $633.7M | $616.9M | $484.4M |
Cash Flow
| Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | |
|---|---|---|---|---|---|---|---|---|
| Operating CF | $24.8M | $31.0M | $60.1M | $34.3M | $2.5M | $33.1M | $32.2M | $23.3M |