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Side-by-side financial comparison of SAUL CENTERS, INC. (BFS) 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 $75.1M, roughly 1.0× SAUL CENTERS, INC.). SAUL CENTERS, INC. runs the higher net margin — 8.7% vs -178.3%, a 186.9% gap on every dollar of revenue. On growth, SAUL CENTERS, INC. posted the faster year-over-year revenue change (10.6% vs 0.4%). Over the past eight quarters, SAUL CENTERS, INC.'s revenue compounded faster (6.2% CAGR vs -1.3%).
Saul Centers, Inc. is a self-administered real estate investment trust (REIT) headquartered in the United States. It primarily owns, operates, and develops high-quality shopping centers, mixed-use properties, and multifamily residential assets, with its core portfolio concentrated in the Washington D.C. metropolitan area and other select high-growth U.S. regional markets.
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.
BFS vs RPAY — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $75.1M | $78.6M |
| Net Profit | $6.5M | $-140.1M |
| Gross Margin | — | 74.2% |
| Operating Margin | 65.4% | -182.2% |
| Net Margin | 8.7% | -178.3% |
| Revenue YoY | 10.6% | 0.4% |
| Net Profit YoY | -19.6% | -3304.1% |
| EPS (diluted) | $0.15 | $-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 | $75.1M | $78.6M | ||
| Q3 25 | $72.0M | $77.7M | ||
| Q2 25 | $70.8M | $75.6M | ||
| Q1 25 | $71.9M | $77.3M | ||
| Q4 24 | $67.9M | $78.3M | ||
| Q3 24 | $67.3M | $79.1M | ||
| Q2 24 | $66.9M | $74.9M | ||
| Q1 24 | $66.7M | $80.7M |
| Q4 25 | $6.5M | $-140.1M | ||
| Q3 25 | $10.5M | $-6.4M | ||
| Q2 25 | $10.7M | $-102.3M | ||
| Q1 25 | $9.8M | $-7.9M | ||
| Q4 24 | $8.1M | $-4.1M | ||
| Q3 24 | $14.5M | $3.2M | ||
| Q2 24 | $14.4M | $-4.1M | ||
| Q1 24 | $13.6M | $-5.2M |
| Q4 25 | — | 74.2% | ||
| Q3 25 | — | 74.4% | ||
| Q2 25 | — | 75.7% | ||
| Q1 25 | — | 75.9% | ||
| Q4 24 | — | 76.3% | ||
| Q3 24 | 73.6% | 77.8% | ||
| Q2 24 | 74.2% | 78.2% | ||
| Q1 24 | 72.8% | 76.2% |
| Q4 25 | 65.4% | -182.2% | ||
| Q3 25 | 69.1% | -3.9% | ||
| Q2 25 | 68.7% | -138.7% | ||
| Q1 25 | 66.5% | -4.7% | ||
| Q4 24 | 82.9% | -1.5% | ||
| Q3 24 | 72.8% | -0.9% | ||
| Q2 24 | 75.0% | -4.6% | ||
| Q1 24 | 72.4% | -3.1% |
| Q4 25 | 8.7% | -178.3% | ||
| Q3 25 | 14.6% | -8.3% | ||
| Q2 25 | 15.1% | -135.2% | ||
| Q1 25 | 13.6% | -10.3% | ||
| Q4 24 | 11.9% | -5.3% | ||
| Q3 24 | 21.5% | 4.1% | ||
| Q2 24 | 21.6% | -5.4% | ||
| Q1 24 | 20.4% | -6.5% |
| Q4 25 | $0.15 | $-1.68 | ||
| Q3 25 | $0.32 | $-0.08 | ||
| Q2 25 | $0.33 | $-1.15 | ||
| Q1 25 | $0.29 | $-0.09 | ||
| Q4 24 | $0.22 | $-0.04 | ||
| Q3 24 | $0.48 | $0.03 | ||
| Q2 24 | $0.48 | $-0.04 | ||
| Q1 24 | $0.45 | $-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 | $8.7M | $115.7M |
| Total DebtLower is stronger | $468.4M | $280.1M |
| Stockholders' EquityBook value | $307.8M | $484.4M |
| Total Assets | $2.2B | $1.2B |
| Debt / EquityLower = less leverage | 1.52× | 0.58× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $8.7M | $115.7M | ||
| Q3 25 | $11.8M | $95.7M | ||
| Q2 25 | $5.3M | $162.6M | ||
| Q1 25 | $6.5M | $165.5M | ||
| Q4 24 | $10.3M | $189.5M | ||
| Q3 24 | $7.2M | $168.7M | ||
| Q2 24 | $6.9M | $147.1M | ||
| Q1 24 | $7.1M | $128.3M |
| Q4 25 | $468.4M | $280.1M | ||
| Q3 25 | $1.6B | $279.5M | ||
| Q2 25 | $1.6B | $279.0M | ||
| Q1 25 | $1.5B | $497.6M | ||
| Q4 24 | $455.8M | $496.8M | ||
| Q3 24 | $1.5B | $496.2M | ||
| Q2 24 | $1.4B | $435.6M | ||
| Q1 24 | $1.4B | $434.9M |
| Q4 25 | $307.8M | $484.4M | ||
| Q3 25 | $316.6M | $616.9M | ||
| Q2 25 | $322.4M | $633.7M | ||
| Q1 25 | $328.4M | $755.7M | ||
| Q4 24 | $335.8M | $761.3M | ||
| Q3 24 | $341.8M | $754.7M | ||
| Q2 24 | $345.7M | $815.4M | ||
| Q1 24 | $347.1M | $813.8M |
| Q4 25 | $2.2B | $1.2B | ||
| Q3 25 | $2.2B | $1.3B | ||
| Q2 25 | $2.1B | $1.4B | ||
| Q1 25 | $2.1B | $1.5B | ||
| Q4 24 | $2.1B | $1.6B | ||
| Q3 24 | $2.1B | $1.6B | ||
| Q2 24 | $2.1B | $1.5B | ||
| Q1 24 | $2.0B | $1.5B |
| Q4 25 | 1.52× | 0.58× | ||
| Q3 25 | 5.02× | 0.45× | ||
| Q2 25 | 4.85× | 0.44× | ||
| Q1 25 | 4.70× | 0.66× | ||
| Q4 24 | 1.36× | 0.65× | ||
| Q3 24 | 4.37× | 0.66× | ||
| Q2 24 | 4.17× | 0.53× | ||
| Q1 24 | 4.06× | 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 | $99.8M | $23.3M |
| Free Cash FlowOCF − Capex | — | $23.2M |
| FCF MarginFCF / Revenue | — | 29.6% |
| Capex IntensityCapex / Revenue | — | 0.1% |
| Cash ConversionOCF / Net Profit | 15.35× | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $90.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $99.8M | $23.3M | ||
| Q3 25 | $20.6M | $32.2M | ||
| Q2 25 | $26.6M | $33.1M | ||
| Q1 25 | $30.4M | $2.5M | ||
| Q4 24 | $121.2M | $34.3M | ||
| Q3 24 | $26.5M | $60.1M | ||
| Q2 24 | $32.1M | $31.0M | ||
| Q1 24 | $33.8M | $24.8M |
| Q4 25 | — | $23.2M | ||
| Q3 25 | — | $32.1M | ||
| Q2 25 | — | $33.0M | ||
| Q1 25 | — | $2.4M | ||
| Q4 24 | — | $34.0M | ||
| Q3 24 | $-28.3M | $59.8M | ||
| Q2 24 | $-12.5M | $30.5M | ||
| Q1 24 | $-11.7M | $24.7M |
| Q4 25 | — | 29.6% | ||
| Q3 25 | — | 41.3% | ||
| Q2 25 | — | 43.6% | ||
| Q1 25 | — | 3.0% | ||
| Q4 24 | — | 43.5% | ||
| Q3 24 | -42.1% | 75.6% | ||
| Q2 24 | -18.7% | 40.7% | ||
| Q1 24 | -17.6% | 30.6% |
| Q4 25 | — | 0.1% | ||
| Q3 25 | — | 0.2% | ||
| Q2 25 | — | 0.1% | ||
| Q1 25 | — | 0.2% | ||
| Q4 24 | — | 0.3% | ||
| Q3 24 | 81.5% | 0.3% | ||
| Q2 24 | 66.7% | 0.6% | ||
| Q1 24 | 68.3% | 0.1% |
| Q4 25 | 15.35× | — | ||
| Q3 25 | 1.97× | — | ||
| Q2 25 | 2.48× | — | ||
| Q1 25 | 3.10× | — | ||
| Q4 24 | 14.98× | — | ||
| Q3 24 | 1.83× | 18.52× | ||
| Q2 24 | 2.22× | — | ||
| Q1 24 | 2.48× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
BFS
Segment breakdown not available.
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
