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Side-by-side financial comparison of CENTRAL PACIFIC FINANCIAL CORP (CPF) 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 $76.3M, roughly 1.0× CENTRAL PACIFIC FINANCIAL CORP). CENTRAL PACIFIC FINANCIAL CORP runs the higher net margin — 30.0% vs -178.3%, a 208.3% gap on every dollar of revenue. On growth, CENTRAL PACIFIC FINANCIAL CORP posted the faster year-over-year revenue change (30.6% vs 0.4%). CENTRAL PACIFIC FINANCIAL CORP produced more free cash flow last quarter ($92.3M vs $23.2M). Over the past eight quarters, CENTRAL PACIFIC FINANCIAL CORP's revenue compounded faster (11.4% CAGR vs -1.3%).
Central Pacific Bank (CPB) is an American regional commercial bank located throughout the state of Hawaii.
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.
CPF vs RPAY — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $76.3M | $78.6M |
| Net Profit | $22.9M | $-140.1M |
| Gross Margin | — | 74.2% |
| Operating Margin | 37.0% | -182.2% |
| Net Margin | 30.0% | -178.3% |
| Revenue YoY | 30.6% | 0.4% |
| Net Profit YoY | 101.6% | -3304.1% |
| EPS (diluted) | $0.85 | $-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 | $76.3M | $78.6M | ||
| Q3 25 | $74.8M | $77.7M | ||
| Q2 25 | $72.8M | $75.6M | ||
| Q1 25 | $68.8M | $77.3M | ||
| Q4 24 | $58.4M | $78.3M | ||
| Q3 24 | $66.6M | $79.1M | ||
| Q2 24 | $64.0M | $74.9M | ||
| Q1 24 | $61.4M | $80.7M |
| Q4 25 | $22.9M | $-140.1M | ||
| Q3 25 | $18.6M | $-6.4M | ||
| Q2 25 | $18.3M | $-102.3M | ||
| Q1 25 | $17.8M | $-7.9M | ||
| Q4 24 | $11.3M | $-4.1M | ||
| Q3 24 | $13.3M | $3.2M | ||
| Q2 24 | $15.8M | $-4.1M | ||
| Q1 24 | $12.9M | $-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 | 37.0% | -182.2% | ||
| Q3 25 | 31.6% | -3.9% | ||
| Q2 25 | 32.8% | -138.7% | ||
| Q1 25 | 32.8% | -4.7% | ||
| Q4 24 | 23.0% | -1.5% | ||
| Q3 24 | 25.6% | -0.9% | ||
| Q2 24 | 32.2% | -4.6% | ||
| Q1 24 | 27.5% | -3.1% |
| Q4 25 | 30.0% | -178.3% | ||
| Q3 25 | 24.8% | -8.3% | ||
| Q2 25 | 25.1% | -135.2% | ||
| Q1 25 | 25.8% | -10.3% | ||
| Q4 24 | 19.4% | -5.3% | ||
| Q3 24 | 20.0% | 4.1% | ||
| Q2 24 | 24.7% | -5.4% | ||
| Q1 24 | 21.1% | -6.5% |
| Q4 25 | $0.85 | $-1.68 | ||
| Q3 25 | $0.69 | $-0.08 | ||
| Q2 25 | $0.67 | $-1.15 | ||
| Q1 25 | $0.65 | $-0.09 | ||
| Q4 24 | $0.42 | $-0.04 | ||
| Q3 24 | $0.49 | $0.03 | ||
| Q2 24 | $0.58 | $-0.04 | ||
| Q1 24 | $0.48 | $-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 | $76.5M | $280.1M |
| Stockholders' EquityBook value | $592.6M | $484.4M |
| Total Assets | $7.4B | $1.2B |
| Debt / EquityLower = less leverage | 0.13× | 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 | $76.5M | $280.1M | ||
| Q3 25 | $131.5M | $279.5M | ||
| Q2 25 | $131.5M | $279.0M | ||
| Q1 25 | $131.4M | $497.6M | ||
| Q4 24 | $156.3M | $496.8M | ||
| Q3 24 | $156.3M | $496.2M | ||
| Q2 24 | $156.2M | $435.6M | ||
| Q1 24 | $156.2M | $434.9M |
| Q4 25 | $592.6M | $484.4M | ||
| Q3 25 | $588.1M | $616.9M | ||
| Q2 25 | $568.9M | $633.7M | ||
| Q1 25 | $557.4M | $755.7M | ||
| Q4 24 | $538.4M | $761.3M | ||
| Q3 24 | $543.7M | $754.7M | ||
| Q2 24 | $518.6M | $815.4M | ||
| Q1 24 | $507.2M | $813.8M |
| Q4 25 | $7.4B | $1.2B | ||
| Q3 25 | $7.4B | $1.3B | ||
| Q2 25 | $7.4B | $1.4B | ||
| Q1 25 | $7.4B | $1.5B | ||
| Q4 24 | $7.5B | $1.6B | ||
| Q3 24 | $7.4B | $1.6B | ||
| Q2 24 | $7.4B | $1.5B | ||
| Q1 24 | $7.4B | $1.5B |
| Q4 25 | 0.13× | 0.58× | ||
| Q3 25 | 0.22× | 0.45× | ||
| Q2 25 | 0.23× | 0.44× | ||
| Q1 25 | 0.24× | 0.66× | ||
| Q4 24 | 0.29× | 0.65× | ||
| Q3 24 | 0.29× | 0.66× | ||
| Q2 24 | 0.30× | 0.53× | ||
| Q1 24 | 0.31× | 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 | $97.5M | $23.3M |
| Free Cash FlowOCF − Capex | $92.3M | $23.2M |
| FCF MarginFCF / Revenue | 121.0% | 29.6% |
| Capex IntensityCapex / Revenue | 6.8% | 0.1% |
| Cash ConversionOCF / Net Profit | 4.26× | — |
| TTM Free Cash FlowTrailing 4 quarters | $165.5M | $90.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $97.5M | $23.3M | ||
| Q3 25 | $22.2M | $32.2M | ||
| Q2 25 | $34.3M | $33.1M | ||
| Q1 25 | $20.4M | $2.5M | ||
| Q4 24 | $90.5M | $34.3M | ||
| Q3 24 | $21.3M | $60.1M | ||
| Q2 24 | $25.9M | $31.0M | ||
| Q1 24 | $17.0M | $24.8M |
| Q4 25 | $92.3M | $23.2M | ||
| Q3 25 | $21.4M | $32.1M | ||
| Q2 25 | $32.3M | $33.0M | ||
| Q1 25 | $19.6M | $2.4M | ||
| Q4 24 | $75.4M | $34.0M | ||
| Q3 24 | $15.6M | $59.8M | ||
| Q2 24 | $21.3M | $30.5M | ||
| Q1 24 | $13.7M | $24.7M |
| Q4 25 | 121.0% | 29.6% | ||
| Q3 25 | 28.6% | 41.3% | ||
| Q2 25 | 44.3% | 43.6% | ||
| Q1 25 | 28.4% | 3.0% | ||
| Q4 24 | 129.2% | 43.5% | ||
| Q3 24 | 23.5% | 75.6% | ||
| Q2 24 | 33.2% | 40.7% | ||
| Q1 24 | 22.4% | 30.6% |
| Q4 25 | 6.8% | 0.1% | ||
| Q3 25 | 1.2% | 0.2% | ||
| Q2 25 | 2.7% | 0.1% | ||
| Q1 25 | 1.3% | 0.2% | ||
| Q4 24 | 25.8% | 0.3% | ||
| Q3 24 | 8.5% | 0.3% | ||
| Q2 24 | 7.3% | 0.6% | ||
| Q1 24 | 5.3% | 0.1% |
| Q4 25 | 4.26× | — | ||
| Q3 25 | 1.20× | — | ||
| Q2 25 | 1.88× | — | ||
| Q1 25 | 1.15× | — | ||
| Q4 24 | 7.98× | — | ||
| Q3 24 | 1.60× | 18.52× | ||
| Q2 24 | 1.64× | — | ||
| Q1 24 | 1.31× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CPF
Segment breakdown not available.
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
