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Side-by-side financial comparison of BrightSpire Capital, Inc. (BRSP) and Repay Holdings Corp (RPAY). Click either name above to swap in a different company.
BrightSpire Capital, Inc. is the larger business by last-quarter revenue ($83.2M vs $78.6M, roughly 1.1× Repay Holdings Corp). BrightSpire Capital, Inc. runs the higher net margin — -17.3% vs -178.3%, a 161.0% gap on every dollar of revenue. On growth, Repay Holdings Corp posted the faster year-over-year revenue change (0.4% vs -0.4%). BrightSpire Capital, Inc. produced more free cash flow last quarter ($55.1M vs $23.2M). Over the past eight quarters, Repay Holdings Corp's revenue compounded faster (-1.3% CAGR vs -6.8%).
Oakley Capital Investments, is a large British investment trust focused on investments in mid-market companies in the business services, consumer, education and technology sectors. The company is listed on the London Stock Exchange and is a constituent of the FTSE 250 Index.
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.
BRSP vs RPAY — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $83.2M | $78.6M |
| Net Profit | $-14.4M | $-140.1M |
| Gross Margin | — | 74.2% |
| Operating Margin | — | -182.2% |
| Net Margin | -17.3% | -178.3% |
| Revenue YoY | -0.4% | 0.4% |
| Net Profit YoY | 27.3% | -3304.1% |
| EPS (diluted) | $-0.11 | $-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 | $83.2M | $78.6M | ||
| Q3 25 | $83.9M | $77.7M | ||
| Q2 25 | $85.9M | $75.6M | ||
| Q1 25 | $77.6M | $77.3M | ||
| Q4 24 | $83.5M | $78.3M | ||
| Q3 24 | $88.2M | $79.1M | ||
| Q2 24 | $91.4M | $74.9M | ||
| Q1 24 | $95.8M | $80.7M |
| Q4 25 | $-14.4M | $-140.1M | ||
| Q3 25 | $984.0K | $-6.4M | ||
| Q2 25 | $-23.1M | $-102.3M | ||
| Q1 25 | $5.3M | $-7.9M | ||
| Q4 24 | $-19.7M | $-4.1M | ||
| Q3 24 | $12.7M | $3.2M | ||
| Q2 24 | $-67.9M | $-4.1M | ||
| Q1 24 | $-57.1M | $-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 | -1.7% | -3.9% | ||
| Q2 25 | -54.5% | -138.7% | ||
| Q1 25 | 5.1% | -4.7% | ||
| Q4 24 | -24.9% | -1.5% | ||
| Q3 24 | 13.2% | -0.9% | ||
| Q2 24 | -74.9% | -4.6% | ||
| Q1 24 | -59.4% | -3.1% |
| Q4 25 | -17.3% | -178.3% | ||
| Q3 25 | 1.2% | -8.3% | ||
| Q2 25 | -26.9% | -135.2% | ||
| Q1 25 | 6.9% | -10.3% | ||
| Q4 24 | -23.7% | -5.3% | ||
| Q3 24 | 14.4% | 4.1% | ||
| Q2 24 | -74.2% | -5.4% | ||
| Q1 24 | -59.6% | -6.5% |
| Q4 25 | $-0.11 | $-1.68 | ||
| Q3 25 | $0.00 | $-0.08 | ||
| Q2 25 | $-0.19 | $-1.15 | ||
| Q1 25 | $0.04 | $-0.09 | ||
| Q4 24 | $-0.16 | $-0.04 | ||
| Q3 24 | $0.09 | $0.03 | ||
| Q2 24 | $-0.53 | $-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 | $66.8M | $115.7M |
| Total DebtLower is stronger | $2.5B | $280.1M |
| Stockholders' EquityBook value | $938.4M | $484.4M |
| Total Assets | $3.6B | $1.2B |
| Debt / EquityLower = less leverage | 2.63× | 0.58× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $66.8M | $115.7M | ||
| Q3 25 | $113.4M | $95.7M | ||
| Q2 25 | $154.3M | $162.6M | ||
| Q1 25 | $200.9M | $165.5M | ||
| Q4 24 | $302.2M | $189.5M | ||
| Q3 24 | $263.8M | $168.7M | ||
| Q2 24 | $203.3M | $147.1M | ||
| Q1 24 | $221.5M | $128.3M |
| Q4 25 | $2.5B | $280.1M | ||
| Q3 25 | $2.2B | $279.5M | ||
| Q2 25 | $2.3B | $279.0M | ||
| Q1 25 | $2.3B | $497.6M | ||
| Q4 24 | $2.5B | $496.8M | ||
| Q3 24 | $2.6B | $496.2M | ||
| Q2 24 | $2.5B | $435.6M | ||
| Q1 24 | $2.6B | $434.9M |
| Q4 25 | $938.4M | $484.4M | ||
| Q3 25 | $976.4M | $616.9M | ||
| Q2 25 | $994.4M | $633.7M | ||
| Q1 25 | $1.0B | $755.7M | ||
| Q4 24 | $1.0B | $761.3M | ||
| Q3 24 | $1.1B | $754.7M | ||
| Q2 24 | $1.1B | $815.4M | ||
| Q1 24 | $1.2B | $813.8M |
| Q4 25 | $3.6B | $1.2B | ||
| Q3 25 | $3.3B | $1.3B | ||
| Q2 25 | $3.4B | $1.4B | ||
| Q1 25 | $3.6B | $1.5B | ||
| Q4 24 | $3.7B | $1.6B | ||
| Q3 24 | $3.8B | $1.6B | ||
| Q2 24 | $3.8B | $1.5B | ||
| Q1 24 | $3.9B | $1.5B |
| Q4 25 | 2.63× | 0.58× | ||
| Q3 25 | 2.22× | 0.45× | ||
| Q2 25 | 2.27× | 0.44× | ||
| Q1 25 | 2.27× | 0.66× | ||
| Q4 24 | 2.38× | 0.65× | ||
| Q3 24 | 2.36× | 0.66× | ||
| Q2 24 | 2.28× | 0.53× | ||
| Q1 24 | 2.17× | 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 | $73.0M | $23.3M |
| Free Cash FlowOCF − Capex | $55.1M | $23.2M |
| FCF MarginFCF / Revenue | 66.2% | 29.6% |
| Capex IntensityCapex / Revenue | 21.6% | 0.1% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $102.0M | $90.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $73.0M | $23.3M | ||
| Q3 25 | $29.9M | $32.2M | ||
| Q2 25 | $17.4M | $33.1M | ||
| Q1 25 | $10.5M | $2.5M | ||
| Q4 24 | $103.4M | $34.3M | ||
| Q3 24 | $31.3M | $60.1M | ||
| Q2 24 | $22.9M | $31.0M | ||
| Q1 24 | $24.6M | $24.8M |
| Q4 25 | $55.1M | $23.2M | ||
| Q3 25 | $27.4M | $32.1M | ||
| Q2 25 | $11.6M | $33.0M | ||
| Q1 25 | $8.0M | $2.4M | ||
| Q4 24 | $97.3M | $34.0M | ||
| Q3 24 | $28.3M | $59.8M | ||
| Q2 24 | $22.7M | $30.5M | ||
| Q1 24 | $22.2M | $24.7M |
| Q4 25 | 66.2% | 29.6% | ||
| Q3 25 | 32.7% | 41.3% | ||
| Q2 25 | 13.4% | 43.6% | ||
| Q1 25 | 10.3% | 3.0% | ||
| Q4 24 | 116.6% | 43.5% | ||
| Q3 24 | 32.1% | 75.6% | ||
| Q2 24 | 24.9% | 40.7% | ||
| Q1 24 | 23.2% | 30.6% |
| Q4 25 | 21.6% | 0.1% | ||
| Q3 25 | 2.9% | 0.2% | ||
| Q2 25 | 6.8% | 0.1% | ||
| Q1 25 | 3.2% | 0.2% | ||
| Q4 24 | 7.3% | 0.3% | ||
| Q3 24 | 3.4% | 0.3% | ||
| Q2 24 | 0.1% | 0.6% | ||
| Q1 24 | 2.5% | 0.1% |
| Q4 25 | — | — | ||
| Q3 25 | 30.36× | — | ||
| Q2 25 | — | — | ||
| Q1 25 | 1.97× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 2.46× | 18.52× | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
BRSP
Segment breakdown not available.
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
