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Side-by-side financial comparison of COASTAL FINANCIAL CORP (CCB) and Repay Holdings Corp (RPAY). Click either name above to swap in a different company.
COASTAL FINANCIAL CORP is the larger business by last-quarter revenue ($138.0M vs $78.6M, roughly 1.8× Repay Holdings Corp). On growth, Repay Holdings Corp posted the faster year-over-year revenue change (0.4% vs -5.8%). COASTAL FINANCIAL CORP produced more free cash flow last quarter ($246.1M vs $23.2M). Over the past eight quarters, Repay Holdings Corp's revenue compounded faster (-1.3% CAGR vs -3.6%).
Fidelity National Financial, Inc., is an American provider of title insurance and settlement services to the real estate and mortgage industries. A Fortune 500 company, Fidelity National Financial generated approximately $8.469 billion in annual revenue in 2019 from its title and real estate-related operations. The company was the first instance of an attorney licensed by a Native American Tribe being certified as "authorized house counsel" in the state of Florida.
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.
CCB vs RPAY — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $138.0M | $78.6M |
| Net Profit | — | $-140.1M |
| Gross Margin | — | 74.2% |
| Operating Margin | 12.4% | -182.2% |
| Net Margin | — | -178.3% |
| Revenue YoY | -5.8% | 0.4% |
| Net Profit YoY | — | -3304.1% |
| EPS (diluted) | $0.84 | $-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 | $138.0M | $78.6M | ||
| Q3 25 | $144.7M | $77.7M | ||
| Q2 25 | $119.4M | $75.6M | ||
| Q1 25 | $139.5M | $77.3M | ||
| Q4 24 | $146.5M | $78.3M | ||
| Q3 24 | $151.1M | $79.1M | ||
| Q2 24 | $135.3M | $74.9M | ||
| Q1 24 | $148.4M | $80.7M |
| Q4 25 | — | $-140.1M | ||
| Q3 25 | $13.6M | $-6.4M | ||
| Q2 25 | $11.0M | $-102.3M | ||
| Q1 25 | $9.7M | $-7.9M | ||
| Q4 24 | — | $-4.1M | ||
| Q3 24 | $13.5M | $3.2M | ||
| Q2 24 | $11.6M | $-4.1M | ||
| Q1 24 | $6.8M | $-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 | 12.4% | -182.2% | ||
| Q3 25 | 12.4% | -3.9% | ||
| Q2 25 | 12.0% | -138.7% | ||
| Q1 25 | 8.4% | -4.7% | ||
| Q4 24 | 11.7% | -1.5% | ||
| Q3 24 | 10.8% | -0.9% | ||
| Q2 24 | 11.1% | -4.6% | ||
| Q1 24 | 5.9% | -3.1% |
| Q4 25 | — | -178.3% | ||
| Q3 25 | 9.4% | -8.3% | ||
| Q2 25 | 9.2% | -135.2% | ||
| Q1 25 | 7.0% | -10.3% | ||
| Q4 24 | — | -5.3% | ||
| Q3 24 | 8.9% | 4.1% | ||
| Q2 24 | 8.6% | -5.4% | ||
| Q1 24 | 4.6% | -6.5% |
| Q4 25 | $0.84 | $-1.68 | ||
| Q3 25 | $0.88 | $-0.08 | ||
| Q2 25 | $0.71 | $-1.15 | ||
| Q1 25 | $0.63 | $-0.09 | ||
| Q4 24 | $0.95 | $-0.04 | ||
| Q3 24 | $0.97 | $0.03 | ||
| Q2 24 | $0.84 | $-0.04 | ||
| Q1 24 | $0.50 | $-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 | — | $115.7M |
| Total DebtLower is stronger | — | $280.1M |
| Stockholders' EquityBook value | $491.0M | $484.4M |
| Total Assets | $4.7B | $1.2B |
| Debt / EquityLower = less leverage | — | 0.58× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $115.7M | ||
| Q3 25 | — | $95.7M | ||
| Q2 25 | — | $162.6M | ||
| Q1 25 | — | $165.5M | ||
| Q4 24 | — | $189.5M | ||
| Q3 24 | — | $168.7M | ||
| Q2 24 | — | $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 | $491.0M | $484.4M | ||
| Q3 25 | $475.3M | $616.9M | ||
| Q2 25 | $461.7M | $633.7M | ||
| Q1 25 | $449.9M | $755.7M | ||
| Q4 24 | $438.7M | $761.3M | ||
| Q3 24 | $331.9M | $754.7M | ||
| Q2 24 | $316.7M | $815.4M | ||
| Q1 24 | $303.7M | $813.8M |
| Q4 25 | $4.7B | $1.2B | ||
| Q3 25 | $4.6B | $1.3B | ||
| Q2 25 | $4.5B | $1.4B | ||
| Q1 25 | $4.3B | $1.5B | ||
| Q4 24 | $4.1B | $1.6B | ||
| Q3 24 | $4.1B | $1.6B | ||
| Q2 24 | $4.0B | $1.5B | ||
| Q1 24 | $3.9B | $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 | $254.6M | $23.3M |
| Free Cash FlowOCF − Capex | $246.1M | $23.2M |
| FCF MarginFCF / Revenue | 178.3% | 29.6% |
| Capex IntensityCapex / Revenue | 6.1% | 0.1% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $436.4M | $90.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $254.6M | $23.3M | ||
| Q3 25 | $59.0M | $32.2M | ||
| Q2 25 | $66.0M | $33.1M | ||
| Q1 25 | $71.7M | $2.5M | ||
| Q4 24 | $259.8M | $34.3M | ||
| Q3 24 | $62.6M | $60.1M | ||
| Q2 24 | $72.1M | $31.0M | ||
| Q1 24 | $56.8M | $24.8M |
| Q4 25 | $246.1M | $23.2M | ||
| Q3 25 | $57.4M | $32.1M | ||
| Q2 25 | $64.0M | $33.0M | ||
| Q1 25 | $68.9M | $2.4M | ||
| Q4 24 | $249.9M | $34.0M | ||
| Q3 24 | $60.2M | $59.8M | ||
| Q2 24 | $69.5M | $30.5M | ||
| Q1 24 | $55.0M | $24.7M |
| Q4 25 | 178.3% | 29.6% | ||
| Q3 25 | 39.7% | 41.3% | ||
| Q2 25 | 53.6% | 43.6% | ||
| Q1 25 | 49.4% | 3.0% | ||
| Q4 24 | 170.6% | 43.5% | ||
| Q3 24 | 39.8% | 75.6% | ||
| Q2 24 | 51.3% | 40.7% | ||
| Q1 24 | 37.1% | 30.6% |
| Q4 25 | 6.1% | 0.1% | ||
| Q3 25 | 1.2% | 0.2% | ||
| Q2 25 | 1.7% | 0.1% | ||
| Q1 25 | 2.0% | 0.2% | ||
| Q4 24 | 6.8% | 0.3% | ||
| Q3 24 | 1.6% | 0.3% | ||
| Q2 24 | 1.9% | 0.6% | ||
| Q1 24 | 1.2% | 0.1% |
| Q4 25 | — | — | ||
| Q3 25 | 4.34× | — | ||
| Q2 25 | 5.99× | — | ||
| Q1 25 | 7.37× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 4.65× | 18.52× | ||
| Q2 24 | 6.22× | — | ||
| Q1 24 | 8.35× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CCB
| Other | $74.7M | 54% |
| Baa S Credit Enhancements | $47.3M | 34% |
| Baa S Program Income | $8.4M | 6% |
| Transaction Fees | $4.9M | 4% |
| Servicing And Other Baa S Fees | $1.6M | 1% |
| Baa S Fraud Enhancements | $1.1M | 1% |
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
