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Side-by-side financial comparison of Armour Residential REIT, Inc. (ARR) and Repay Holdings Corp (RPAY). Click either name above to swap in a different company.
Repay Holdings Corp is the larger business by last-quarter revenue ($78.6M vs $50.4M, roughly 1.6× Armour Residential REIT, Inc.). Armour Residential REIT, Inc. runs the higher net margin — 420.2% vs -178.3%, a 598.5% gap on every dollar of revenue. On growth, Armour Residential REIT, Inc. posted the faster year-over-year revenue change (297.9% vs 0.4%). Over the past eight quarters, Armour Residential REIT, Inc.'s revenue compounded faster (108.0% CAGR vs -1.3%).
Armour Residential REIT, Inc. is a U.S.-based real estate investment trust that primarily invests in agency residential mortgage-backed securities guaranteed by U.S. government-sponsored entities. It focuses on generating consistent long-term net income for shareholders via strategic asset management and active interest rate risk mitigation.
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.
ARR vs RPAY — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $50.4M | $78.6M |
| Net Profit | $211.7M | $-140.1M |
| Gross Margin | — | 74.2% |
| Operating Margin | — | -182.2% |
| Net Margin | 420.2% | -178.3% |
| Revenue YoY | 297.9% | 0.4% |
| Net Profit YoY | 555.9% | -3304.1% |
| EPS (diluted) | $2.43 | $-1.68 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $50.4M | $78.6M | ||
| Q3 25 | $38.5M | $77.7M | ||
| Q2 25 | $33.1M | $75.6M | ||
| Q1 25 | $36.3M | $77.3M | ||
| Q4 24 | $12.7M | $78.3M | ||
| Q3 24 | — | $79.1M | ||
| Q2 24 | $7.0M | $74.9M | ||
| Q1 24 | — | $80.7M |
| Q4 25 | $211.7M | $-140.1M | ||
| Q3 25 | $159.3M | $-6.4M | ||
| Q2 25 | $-75.6M | $-102.3M | ||
| Q1 25 | $27.3M | $-7.9M | ||
| Q4 24 | $-46.4M | $-4.1M | ||
| Q3 24 | — | $3.2M | ||
| Q2 24 | $-48.4M | $-4.1M | ||
| Q1 24 | — | $-5.2M |
| Q4 25 | — | 74.2% | ||
| Q3 25 | — | 74.4% | ||
| Q2 25 | — | 75.7% | ||
| Q1 25 | — | 75.9% | ||
| Q4 24 | — | 76.3% | ||
| Q3 24 | — | 77.8% | ||
| Q2 24 | — | 78.2% | ||
| Q1 24 | — | 76.2% |
| Q4 25 | — | -182.2% | ||
| Q3 25 | — | -3.9% | ||
| Q2 25 | — | -138.7% | ||
| Q1 25 | — | -4.7% | ||
| Q4 24 | — | -1.5% | ||
| Q3 24 | — | -0.9% | ||
| Q2 24 | — | -4.6% | ||
| Q1 24 | — | -3.1% |
| Q4 25 | 420.2% | -178.3% | ||
| Q3 25 | 413.5% | -8.3% | ||
| Q2 25 | -228.4% | -135.2% | ||
| Q1 25 | 75.2% | -10.3% | ||
| Q4 24 | -366.8% | -5.3% | ||
| Q3 24 | — | 4.1% | ||
| Q2 24 | -693.8% | -5.4% | ||
| Q1 24 | — | -6.5% |
| Q4 25 | $2.43 | $-1.68 | ||
| Q3 25 | $1.49 | $-0.08 | ||
| Q2 25 | $-0.94 | $-1.15 | ||
| Q1 25 | $0.32 | $-0.09 | ||
| Q4 24 | $-0.91 | $-0.04 | ||
| Q3 24 | — | $0.03 | ||
| Q2 24 | $-1.05 | $-0.04 | ||
| Q1 24 | — | $-0.06 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $63.3M | $115.7M |
| Total DebtLower is stronger | — | $280.1M |
| Stockholders' EquityBook value | $2.3B | $484.4M |
| Total Assets | $21.0B | $1.2B |
| Debt / EquityLower = less leverage | — | 0.58× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $63.3M | $115.7M | ||
| Q3 25 | $44.2M | $95.7M | ||
| Q2 25 | $141.2M | $162.6M | ||
| Q1 25 | $49.1M | $165.5M | ||
| Q4 24 | $68.0M | $189.5M | ||
| Q3 24 | — | $168.7M | ||
| Q2 24 | $126.6M | $147.1M | ||
| Q1 24 | — | $128.3M |
| Q4 25 | — | $280.1M | ||
| Q3 25 | — | $279.5M | ||
| Q2 25 | — | $279.0M | ||
| Q1 25 | — | $497.6M | ||
| Q4 24 | — | $496.8M | ||
| Q3 24 | — | $496.2M | ||
| Q2 24 | — | $435.6M | ||
| Q1 24 | — | $434.9M |
| Q4 25 | $2.3B | $484.4M | ||
| Q3 25 | $2.1B | $616.9M | ||
| Q2 25 | $1.7B | $633.7M | ||
| Q1 25 | $1.7B | $755.7M | ||
| Q4 24 | $1.4B | $761.3M | ||
| Q3 24 | — | $754.7M | ||
| Q2 24 | $1.2B | $815.4M | ||
| Q1 24 | — | $813.8M |
| Q4 25 | $21.0B | $1.2B | ||
| Q3 25 | $19.4B | $1.3B | ||
| Q2 25 | $16.2B | $1.4B | ||
| Q1 25 | $15.5B | $1.5B | ||
| Q4 24 | $13.5B | $1.6B | ||
| Q3 24 | — | $1.6B | ||
| Q2 24 | $10.1B | $1.5B | ||
| Q1 24 | — | $1.5B |
| Q4 25 | — | 0.58× | ||
| Q3 25 | — | 0.45× | ||
| Q2 25 | — | 0.44× | ||
| Q1 25 | — | 0.66× | ||
| Q4 24 | — | 0.65× | ||
| Q3 24 | — | 0.66× | ||
| Q2 24 | — | 0.53× | ||
| Q1 24 | — | 0.53× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $124.2M | $23.3M |
| Free Cash FlowOCF − Capex | — | $23.2M |
| FCF MarginFCF / Revenue | — | 29.6% |
| Capex IntensityCapex / Revenue | — | 0.1% |
| Cash ConversionOCF / Net Profit | 0.59× | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $90.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $124.2M | $23.3M | ||
| Q3 25 | $-37.8M | $32.2M | ||
| Q2 25 | $25.0M | $33.1M | ||
| Q1 25 | $101.5M | $2.5M | ||
| Q4 24 | $261.5M | $34.3M | ||
| Q3 24 | — | $60.1M | ||
| Q2 24 | $27.1M | $31.0M | ||
| Q1 24 | — | $24.8M |
| Q4 25 | — | $23.2M | ||
| Q3 25 | — | $32.1M | ||
| Q2 25 | — | $33.0M | ||
| Q1 25 | — | $2.4M | ||
| Q4 24 | — | $34.0M | ||
| Q3 24 | — | $59.8M | ||
| Q2 24 | — | $30.5M | ||
| Q1 24 | — | $24.7M |
| Q4 25 | — | 29.6% | ||
| Q3 25 | — | 41.3% | ||
| Q2 25 | — | 43.6% | ||
| Q1 25 | — | 3.0% | ||
| Q4 24 | — | 43.5% | ||
| Q3 24 | — | 75.6% | ||
| Q2 24 | — | 40.7% | ||
| Q1 24 | — | 30.6% |
| Q4 25 | — | 0.1% | ||
| Q3 25 | — | 0.2% | ||
| Q2 25 | — | 0.1% | ||
| Q1 25 | — | 0.2% | ||
| Q4 24 | — | 0.3% | ||
| Q3 24 | — | 0.3% | ||
| Q2 24 | — | 0.6% | ||
| Q1 24 | — | 0.1% |
| Q4 25 | 0.59× | — | ||
| Q3 25 | -0.24× | — | ||
| Q2 25 | — | — | ||
| Q1 25 | 3.71× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 18.52× | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
ARR
Segment breakdown not available.
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
