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Side-by-side financial comparison of BYLINE BANCORP, INC. (BY) and Repay Holdings Corp (RPAY). Click either name above to swap in a different company.
BYLINE BANCORP, INC. is the larger business by last-quarter revenue ($112.4M vs $78.6M, roughly 1.4× Repay Holdings Corp). BYLINE BANCORP, INC. runs the higher net margin — 33.4% vs -178.3%, a 211.7% gap on every dollar of revenue. On growth, BYLINE BANCORP, INC. posted the faster year-over-year revenue change (9.0% vs 0.4%). Over the past eight quarters, BYLINE BANCORP, INC.'s revenue compounded faster (6.4% CAGR vs -1.3%).
Byline Bank is a bank headquartered in Chicago, Illinois, United States. It is the primary subsidiary of Byline Bancorp, Inc., a bank holding company, and the 4th largest SBA 7(a) lender.
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.
BY vs RPAY — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $112.4M | $78.6M |
| Net Profit | $37.6M | $-140.1M |
| Gross Margin | — | 74.2% |
| Operating Margin | — | -182.2% |
| Net Margin | 33.4% | -178.3% |
| Revenue YoY | 9.0% | 0.4% |
| Net Profit YoY | 33.0% | -3304.1% |
| EPS (diluted) | $0.83 | $-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.
| Q1 26 | $112.4M | — | ||
| Q4 25 | $117.0M | $78.6M | ||
| Q3 25 | $115.7M | $77.7M | ||
| Q2 25 | $110.5M | $75.6M | ||
| Q1 25 | $103.1M | $77.3M | ||
| Q4 24 | $104.7M | $78.3M | ||
| Q3 24 | $101.8M | $79.1M | ||
| Q2 24 | $99.4M | $74.9M |
| Q1 26 | $37.6M | — | ||
| Q4 25 | $34.5M | $-140.1M | ||
| Q3 25 | $37.2M | $-6.4M | ||
| Q2 25 | $30.1M | $-102.3M | ||
| Q1 25 | $28.2M | $-7.9M | ||
| Q4 24 | $30.3M | $-4.1M | ||
| Q3 24 | $30.3M | $3.2M | ||
| Q2 24 | $29.7M | $-4.1M |
| Q1 26 | — | — | ||
| 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 26 | — | — | ||
| Q4 25 | 40.1% | -182.2% | ||
| Q3 25 | 43.1% | -3.9% | ||
| Q2 25 | 35.2% | -138.7% | ||
| Q1 25 | 36.4% | -4.7% | ||
| Q4 24 | 38.6% | -1.5% | ||
| Q3 24 | 39.3% | -0.9% | ||
| Q2 24 | 40.4% | -4.6% |
| Q1 26 | 33.4% | — | ||
| Q4 25 | 34.1% | -178.3% | ||
| Q3 25 | 32.1% | -8.3% | ||
| Q2 25 | 27.2% | -135.2% | ||
| Q1 25 | 27.4% | -10.3% | ||
| Q4 24 | 34.3% | -5.3% | ||
| Q3 24 | 29.8% | 4.1% | ||
| Q2 24 | 29.9% | -5.4% |
| Q1 26 | $0.83 | — | ||
| Q4 25 | $0.77 | $-1.68 | ||
| Q3 25 | $0.82 | $-0.08 | ||
| Q2 25 | $0.66 | $-1.15 | ||
| Q1 25 | $0.64 | $-0.09 | ||
| Q4 24 | $0.68 | $-0.04 | ||
| Q3 24 | $0.69 | $0.03 | ||
| Q2 24 | $0.68 | $-0.04 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $198.4M | $115.7M |
| Total DebtLower is stronger | — | $280.1M |
| Stockholders' EquityBook value | $1.3B | $484.4M |
| Total Assets | $9.9B | $1.2B |
| Debt / EquityLower = less leverage | — | 0.58× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $198.4M | — | ||
| Q4 25 | $149.1M | $115.7M | ||
| Q3 25 | $259.0M | $95.7M | ||
| Q2 25 | $218.3M | $162.6M | ||
| Q1 25 | $421.3M | $165.5M | ||
| Q4 24 | $563.1M | $189.5M | ||
| Q3 24 | $452.6M | $168.7M | ||
| Q2 24 | $730.5M | $147.1M |
| Q1 26 | — | — | ||
| 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 26 | $1.3B | — | ||
| Q4 25 | $1.3B | $484.4M | ||
| Q3 25 | $1.2B | $616.9M | ||
| Q2 25 | $1.2B | $633.7M | ||
| Q1 25 | $1.1B | $755.7M | ||
| Q4 24 | $1.1B | $761.3M | ||
| Q3 24 | $1.1B | $754.7M | ||
| Q2 24 | $1.0B | $815.4M |
| Q1 26 | $9.9B | — | ||
| Q4 25 | $9.7B | $1.2B | ||
| Q3 25 | $9.8B | $1.3B | ||
| Q2 25 | $9.7B | $1.4B | ||
| Q1 25 | $9.6B | $1.5B | ||
| Q4 24 | $9.5B | $1.6B | ||
| Q3 24 | $9.4B | $1.6B | ||
| Q2 24 | $9.6B | $1.5B |
| Q1 26 | — | — | ||
| 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× |
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 | — | $23.3M |
| Free Cash FlowOCF − Capex | — | $23.2M |
| FCF MarginFCF / Revenue | — | 29.6% |
| Capex IntensityCapex / Revenue | — | 0.1% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $90.7M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $140.3M | $23.3M | ||
| Q3 25 | $38.3M | $32.2M | ||
| Q2 25 | $16.3M | $33.1M | ||
| Q1 25 | $27.1M | $2.5M | ||
| Q4 24 | $175.2M | $34.3M | ||
| Q3 24 | $19.8M | $60.1M | ||
| Q2 24 | $40.1M | $31.0M |
| Q1 26 | — | — | ||
| Q4 25 | $136.3M | $23.2M | ||
| Q3 25 | $38.0M | $32.1M | ||
| Q2 25 | $15.2M | $33.0M | ||
| Q1 25 | $25.0M | $2.4M | ||
| Q4 24 | $171.2M | $34.0M | ||
| Q3 24 | $19.1M | $59.8M | ||
| Q2 24 | $39.4M | $30.5M |
| Q1 26 | — | — | ||
| Q4 25 | 116.5% | 29.6% | ||
| Q3 25 | 32.8% | 41.3% | ||
| Q2 25 | 13.7% | 43.6% | ||
| Q1 25 | 24.3% | 3.0% | ||
| Q4 24 | 163.5% | 43.5% | ||
| Q3 24 | 18.8% | 75.6% | ||
| Q2 24 | 39.7% | 40.7% |
| Q1 26 | — | — | ||
| Q4 25 | 3.4% | 0.1% | ||
| Q3 25 | 0.3% | 0.2% | ||
| Q2 25 | 1.0% | 0.1% | ||
| Q1 25 | 2.0% | 0.2% | ||
| Q4 24 | 3.8% | 0.3% | ||
| Q3 24 | 0.6% | 0.3% | ||
| Q2 24 | 0.7% | 0.6% |
| Q1 26 | — | — | ||
| Q4 25 | 4.06× | — | ||
| Q3 25 | 1.03× | — | ||
| Q2 25 | 0.54× | — | ||
| Q1 25 | 0.96× | — | ||
| Q4 24 | 5.78× | — | ||
| Q3 24 | 0.65× | 18.52× | ||
| Q2 24 | 1.35× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
BY
Segment breakdown not available.
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
