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Side-by-side financial comparison of Cerence Inc. (CRNC) and Repay Holdings Corp (RPAY). Click either name above to swap in a different company.
Cerence Inc. is the larger business by last-quarter revenue ($115.1M vs $78.6M, roughly 1.5× Repay Holdings Corp). Cerence Inc. runs the higher net margin — -4.6% vs -178.3%, a 173.7% gap on every dollar of revenue. On growth, Cerence Inc. posted the faster year-over-year revenue change (126.1% vs 0.4%). Cerence Inc. produced more free cash flow last quarter ($35.6M vs $23.2M). Over the past eight quarters, Cerence Inc.'s revenue compounded faster (30.3% CAGR vs -1.3%).
Cerence Inc. is an American multinational software company that develops artificial intelligence (AI) assistant technology primarily for automobiles.
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.
CRNC vs RPAY — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $115.1M | $78.6M |
| Net Profit | $-5.2M | $-140.1M |
| Gross Margin | 86.3% | 74.2% |
| Operating Margin | 25.5% | -182.2% |
| Net Margin | -4.6% | -178.3% |
| Revenue YoY | 126.1% | 0.4% |
| Net Profit YoY | 78.4% | -3304.1% |
| EPS (diluted) | $-0.12 | $-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 | $115.1M | $78.6M | ||
| Q3 25 | $60.6M | $77.7M | ||
| Q2 25 | $62.2M | $75.6M | ||
| Q1 25 | $78.0M | $77.3M | ||
| Q4 24 | $50.9M | $78.3M | ||
| Q3 24 | $54.8M | $79.1M | ||
| Q2 24 | $70.5M | $74.9M | ||
| Q1 24 | $67.8M | $80.7M |
| Q4 25 | $-5.2M | $-140.1M | ||
| Q3 25 | $-13.4M | $-6.4M | ||
| Q2 25 | $-2.7M | $-102.3M | ||
| Q1 25 | $21.7M | $-7.9M | ||
| Q4 24 | $-24.3M | $-4.1M | ||
| Q3 24 | $-20.4M | $3.2M | ||
| Q2 24 | $-313.5M | $-4.1M | ||
| Q1 24 | $-278.0M | $-5.2M |
| Q4 25 | 86.3% | 74.2% | ||
| Q3 25 | 72.6% | 74.4% | ||
| Q2 25 | 73.7% | 75.7% | ||
| Q1 25 | 77.1% | 75.9% | ||
| Q4 24 | 65.0% | 76.3% | ||
| Q3 24 | 63.7% | 77.8% | ||
| Q2 24 | 71.5% | 78.2% | ||
| Q1 24 | 69.2% | 76.2% |
| Q4 25 | 25.5% | -182.2% | ||
| Q3 25 | -2.9% | -3.9% | ||
| Q2 25 | -1.5% | -138.7% | ||
| Q1 25 | 22.2% | -4.7% | ||
| Q4 24 | -33.3% | -1.5% | ||
| Q3 24 | -35.1% | -0.9% | ||
| Q2 24 | -503.1% | -4.6% | ||
| Q1 24 | -389.8% | -3.1% |
| Q4 25 | -4.6% | -178.3% | ||
| Q3 25 | -22.0% | -8.3% | ||
| Q2 25 | -4.4% | -135.2% | ||
| Q1 25 | 27.8% | -10.3% | ||
| Q4 24 | -47.7% | -5.3% | ||
| Q3 24 | -37.3% | 4.1% | ||
| Q2 24 | -444.5% | -5.4% | ||
| Q1 24 | -409.8% | -6.5% |
| Q4 25 | $-0.12 | $-1.68 | ||
| Q3 25 | $-0.26 | $-0.08 | ||
| Q2 25 | $-0.06 | $-1.15 | ||
| Q1 25 | $0.46 | $-0.09 | ||
| Q4 24 | $-0.57 | $-0.04 | ||
| Q3 24 | $-0.49 | $0.03 | ||
| Q2 24 | $-7.50 | $-0.04 | ||
| Q1 24 | $-6.66 | $-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 | $2.5M | $115.7M |
| Total DebtLower is stronger | $171.9M | $280.1M |
| Stockholders' EquityBook value | $150.4M | $484.4M |
| Total Assets | $602.0M | $1.2B |
| Debt / EquityLower = less leverage | 1.14× | 0.58× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $2.5M | $115.7M | ||
| Q3 25 | $3.4M | $95.7M | ||
| Q2 25 | $5.5M | $162.6M | ||
| Q1 25 | $5.4M | $165.5M | ||
| Q4 24 | $3.9M | $189.5M | ||
| Q3 24 | $5.5M | $168.7M | ||
| Q2 24 | $5.4M | $147.1M | ||
| Q1 24 | $9.4M | $128.3M |
| Q4 25 | $171.9M | $280.1M | ||
| Q3 25 | $199.7M | $279.5M | ||
| Q2 25 | $198.8M | $279.0M | ||
| Q1 25 | $257.6M | $497.6M | ||
| Q4 24 | $256.2M | $496.8M | ||
| Q3 24 | $281.9M | $496.2M | ||
| Q2 24 | $280.4M | $435.6M | ||
| Q1 24 | $278.9M | $434.9M |
| Q4 25 | $150.4M | $484.4M | ||
| Q3 25 | $150.7M | $616.9M | ||
| Q2 25 | $155.7M | $633.7M | ||
| Q1 25 | $149.3M | $755.7M | ||
| Q4 24 | $120.7M | $761.3M | ||
| Q3 24 | $141.1M | $754.7M | ||
| Q2 24 | $154.2M | $815.4M | ||
| Q1 24 | $463.4M | $813.8M |
| Q4 25 | $602.0M | $1.2B | ||
| Q3 25 | $630.6M | $1.3B | ||
| Q2 25 | $636.8M | $1.4B | ||
| Q1 25 | $665.5M | $1.5B | ||
| Q4 24 | $617.5M | $1.6B | ||
| Q3 24 | $702.4M | $1.6B | ||
| Q2 24 | $674.0M | $1.5B | ||
| Q1 24 | $987.1M | $1.5B |
| Q4 25 | 1.14× | 0.58× | ||
| Q3 25 | 1.33× | 0.45× | ||
| Q2 25 | 1.28× | 0.44× | ||
| Q1 25 | 1.73× | 0.66× | ||
| Q4 24 | 2.12× | 0.65× | ||
| Q3 24 | 2.00× | 0.66× | ||
| Q2 24 | 1.82× | 0.53× | ||
| Q1 24 | 0.60× | 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 | $37.9M | $23.3M |
| Free Cash FlowOCF − Capex | $35.6M | $23.2M |
| FCF MarginFCF / Revenue | 31.0% | 29.6% |
| Capex IntensityCapex / Revenue | 2.0% | 0.1% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $74.6M | $90.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $37.9M | $23.3M | ||
| Q3 25 | $12.8M | $32.2M | ||
| Q2 25 | $23.7M | $33.1M | ||
| Q1 25 | $15.5M | $2.5M | ||
| Q4 24 | $9.3M | $34.3M | ||
| Q3 24 | $6.1M | $60.1M | ||
| Q2 24 | $12.9M | $31.0M | ||
| Q1 24 | $1.0M | $24.8M |
| Q4 25 | $35.6M | $23.2M | ||
| Q3 25 | $9.7M | $32.1M | ||
| Q2 25 | $16.1M | $33.0M | ||
| Q1 25 | $13.1M | $2.4M | ||
| Q4 24 | $7.9M | $34.0M | ||
| Q3 24 | $4.7M | $59.8M | ||
| Q2 24 | $12.1M | $30.5M | ||
| Q1 24 | $-801.0K | $24.7M |
| Q4 25 | 31.0% | 29.6% | ||
| Q3 25 | 16.1% | 41.3% | ||
| Q2 25 | 25.8% | 43.6% | ||
| Q1 25 | 16.8% | 3.0% | ||
| Q4 24 | 15.5% | 43.5% | ||
| Q3 24 | 8.5% | 75.6% | ||
| Q2 24 | 17.1% | 40.7% | ||
| Q1 24 | -1.2% | 30.6% |
| Q4 25 | 2.0% | 0.1% | ||
| Q3 25 | 5.0% | 0.2% | ||
| Q2 25 | 12.3% | 0.1% | ||
| Q1 25 | 3.0% | 0.2% | ||
| Q4 24 | 2.7% | 0.3% | ||
| Q3 24 | 2.6% | 0.3% | ||
| Q2 24 | 1.1% | 0.6% | ||
| Q1 24 | 2.7% | 0.1% |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | 0.71× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 18.52× | ||
| Q2 24 | — | — | ||
| Q1 24 | — | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CRNC
| License | $87.8M | 76% |
| Connected Services | $14.5M | 13% |
| Professional Services | $12.8M | 11% |
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
