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Side-by-side financial comparison of Capitol Federal Financial, Inc. (CFFN) 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 $57.7M, roughly 1.4× Capitol Federal Financial, Inc.). Capitol Federal Financial, Inc. runs the higher net margin — 34.9% vs -178.3%, a 213.2% gap on every dollar of revenue. Over the past eight quarters, Capitol Federal Financial, Inc.'s revenue compounded faster (12.1% CAGR vs -1.3%).
Capitol Federal Savings Bank (CapFed) is a federally chartered and insured savings bank founded in 1893 and headquartered in Topeka, Kansas. Capitol Federal has 51 locations serving both the Kansas and Missouri sides of the Kansas City metropolitan area with personal and business financial services. It is owned by holding company Capitol Federal Financial Inc. for trading on the Nasdaq.
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.
CFFN vs RPAY — Head-to-Head
Income Statement — Q2 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $57.7M | $78.6M |
| Net Profit | $20.1M | $-140.1M |
| Gross Margin | — | 74.2% |
| Operating Margin | — | -182.2% |
| Net Margin | 34.9% | -178.3% |
| Revenue YoY | — | 0.4% |
| Net Profit YoY | — | -3304.1% |
| EPS (diluted) | — | $-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 | $57.7M | — | ||
| Q4 25 | $56.8M | $78.6M | ||
| Q3 25 | $54.6M | $77.7M | ||
| Q2 25 | $50.7M | $75.6M | ||
| Q1 25 | $48.8M | $77.3M | ||
| Q4 24 | $46.9M | $78.3M | ||
| Q3 24 | — | $79.1M | ||
| Q2 24 | $45.0M | $74.9M |
| Q1 26 | $20.1M | — | ||
| Q4 25 | $20.3M | $-140.1M | ||
| Q3 25 | $18.8M | $-6.4M | ||
| Q2 25 | $18.4M | $-102.3M | ||
| Q1 25 | $15.4M | $-7.9M | ||
| Q4 24 | $15.4M | $-4.1M | ||
| Q3 24 | — | $3.2M | ||
| Q2 24 | $9.6M | $-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 | 44.4% | -182.2% | ||
| Q3 25 | 42.2% | -3.9% | ||
| Q2 25 | 42.6% | -138.7% | ||
| Q1 25 | 39.5% | -4.7% | ||
| Q4 24 | 40.7% | -1.5% | ||
| Q3 24 | — | -0.9% | ||
| Q2 24 | 34.7% | -4.6% |
| Q1 26 | 34.9% | — | ||
| Q4 25 | 35.7% | -178.3% | ||
| Q3 25 | 34.5% | -8.3% | ||
| Q2 25 | 36.2% | -135.2% | ||
| Q1 25 | 31.6% | -10.3% | ||
| Q4 24 | 32.9% | -5.3% | ||
| Q3 24 | — | 4.1% | ||
| Q2 24 | 21.4% | -5.4% |
| Q1 26 | — | — | ||
| Q4 25 | $0.16 | $-1.68 | ||
| Q3 25 | $0.14 | $-0.08 | ||
| Q2 25 | $0.14 | $-1.15 | ||
| Q1 25 | $0.12 | $-0.09 | ||
| Q4 24 | $0.12 | $-0.04 | ||
| Q3 24 | — | $0.03 | ||
| Q2 24 | $0.07 | $-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 | $2.5M | $115.7M |
| Total DebtLower is stronger | — | $280.1M |
| Stockholders' EquityBook value | $1.0B | $484.4M |
| Total Assets | $9.8B | $1.2B |
| Debt / EquityLower = less leverage | — | 0.58× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $2.5M | — | ||
| Q4 25 | $232.6M | $115.7M | ||
| Q3 25 | $252.4M | $95.7M | ||
| Q2 25 | $175.0M | $162.6M | ||
| Q1 25 | $340.4M | $165.5M | ||
| Q4 24 | $170.3M | $189.5M | ||
| Q3 24 | — | $168.7M | ||
| Q2 24 | $317.8M | $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 | $1.0B | — | ||
| Q4 25 | $1.0B | $484.4M | ||
| Q3 25 | $1.0B | $616.9M | ||
| Q2 25 | $1.0B | $633.7M | ||
| Q1 25 | $1.0B | $755.7M | ||
| Q4 24 | $1.0B | $761.3M | ||
| Q3 24 | — | $754.7M | ||
| Q2 24 | $1.0B | $815.4M |
| Q1 26 | $9.8B | — | ||
| Q4 25 | $9.8B | $1.2B | ||
| Q3 25 | $9.8B | $1.3B | ||
| Q2 25 | $9.7B | $1.4B | ||
| Q1 25 | $9.7B | $1.5B | ||
| Q4 24 | $9.5B | $1.6B | ||
| Q3 24 | — | $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 | $17.4M | $23.3M | ||
| Q3 25 | $55.0M | $32.2M | ||
| Q2 25 | $12.4M | $33.1M | ||
| Q1 25 | $15.5M | $2.5M | ||
| Q4 24 | $5.6M | $34.3M | ||
| Q3 24 | — | $60.1M | ||
| Q2 24 | $19.1M | $31.0M |
| Q1 26 | — | — | ||
| Q4 25 | $15.8M | $23.2M | ||
| Q3 25 | $49.8M | $32.1M | ||
| Q2 25 | $10.8M | $33.0M | ||
| Q1 25 | $14.7M | $2.4M | ||
| Q4 24 | $4.5M | $34.0M | ||
| Q3 24 | — | $59.8M | ||
| Q2 24 | $16.4M | $30.5M |
| Q1 26 | — | — | ||
| Q4 25 | 27.9% | 29.6% | ||
| Q3 25 | 91.3% | 41.3% | ||
| Q2 25 | 21.2% | 43.6% | ||
| Q1 25 | 30.2% | 3.0% | ||
| Q4 24 | 9.5% | 43.5% | ||
| Q3 24 | — | 75.6% | ||
| Q2 24 | 36.5% | 40.7% |
| Q1 26 | — | — | ||
| Q4 25 | 2.8% | 0.1% | ||
| Q3 25 | 9.5% | 0.2% | ||
| Q2 25 | 3.2% | 0.1% | ||
| Q1 25 | 1.5% | 0.2% | ||
| Q4 24 | 2.5% | 0.3% | ||
| Q3 24 | — | 0.3% | ||
| Q2 24 | 5.9% | 0.6% |
| Q1 26 | — | — | ||
| Q4 25 | 0.86× | — | ||
| Q3 25 | 2.93× | — | ||
| Q2 25 | 0.67× | — | ||
| Q1 25 | 1.01× | — | ||
| Q4 24 | 0.36× | — | ||
| Q3 24 | — | 18.52× | ||
| Q2 24 | 1.98× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CFFN
| Net Interest Income | $52.3M | 91% |
| Noninterest Income | $5.5M | 9% |
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
