vs
Side-by-side financial comparison of CARRIAGE SERVICES INC (CSV) and Repay Holdings Corp (RPAY). Click either name above to swap in a different company.
CARRIAGE SERVICES INC is the larger business by last-quarter revenue ($105.5M vs $78.6M, roughly 1.3× Repay Holdings Corp). CARRIAGE SERVICES INC runs the higher net margin — 11.6% vs -178.3%, a 189.9% gap on every dollar of revenue. On growth, CARRIAGE SERVICES INC posted the faster year-over-year revenue change (8.0% vs 0.4%). Repay Holdings Corp produced more free cash flow last quarter ($23.2M vs $6.2M). Over the past eight quarters, CARRIAGE SERVICES INC's revenue compounded faster (1.0% CAGR vs -1.3%).
Jardine Cycle & Carriage Limited is the investment holding company of Jardines in Southeast Asia. It is currently 75% held by the conglomerate.
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.
CSV vs RPAY — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $105.5M | $78.6M |
| Net Profit | $12.3M | $-140.1M |
| Gross Margin | 34.8% | 74.2% |
| Operating Margin | 23.3% | -182.2% |
| Net Margin | 11.6% | -178.3% |
| Revenue YoY | 8.0% | 0.4% |
| Net Profit YoY | 24.5% | -3304.1% |
| EPS (diluted) | $0.76 | $-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 | $105.5M | $78.6M | ||
| Q3 25 | $102.7M | $77.7M | ||
| Q2 25 | $102.1M | $75.6M | ||
| Q1 25 | $107.1M | $77.3M | ||
| Q4 24 | $97.7M | $78.3M | ||
| Q3 24 | $100.7M | $79.1M | ||
| Q2 24 | $102.3M | $74.9M | ||
| Q1 24 | $103.5M | $80.7M |
| Q4 25 | $12.3M | $-140.1M | ||
| Q3 25 | $6.6M | $-6.4M | ||
| Q2 25 | $11.7M | $-102.3M | ||
| Q1 25 | $20.9M | $-7.9M | ||
| Q4 24 | $9.9M | $-4.1M | ||
| Q3 24 | $9.9M | $3.2M | ||
| Q2 24 | $6.3M | $-4.1M | ||
| Q1 24 | $7.0M | $-5.2M |
| Q4 25 | 34.8% | 74.2% | ||
| Q3 25 | 35.3% | 74.4% | ||
| Q2 25 | 35.2% | 75.7% | ||
| Q1 25 | 35.3% | 75.9% | ||
| Q4 24 | 34.4% | 76.3% | ||
| Q3 24 | 35.2% | 77.8% | ||
| Q2 24 | 36.2% | 78.2% | ||
| Q1 24 | 36.0% | 76.2% |
| Q4 25 | 23.3% | -182.2% | ||
| Q3 25 | 17.0% | -3.9% | ||
| Q2 25 | 23.5% | -138.7% | ||
| Q1 25 | 29.5% | -4.7% | ||
| Q4 24 | 21.6% | -1.5% | ||
| Q3 24 | 22.7% | -0.9% | ||
| Q2 24 | 18.0% | -4.6% | ||
| Q1 24 | 18.8% | -3.1% |
| Q4 25 | 11.6% | -178.3% | ||
| Q3 25 | 6.4% | -8.3% | ||
| Q2 25 | 11.5% | -135.2% | ||
| Q1 25 | 19.5% | -10.3% | ||
| Q4 24 | 10.1% | -5.3% | ||
| Q3 24 | 9.8% | 4.1% | ||
| Q2 24 | 6.1% | -5.4% | ||
| Q1 24 | 6.7% | -6.5% |
| Q4 25 | $0.76 | $-1.68 | ||
| Q3 25 | $0.41 | $-0.08 | ||
| Q2 25 | $0.74 | $-1.15 | ||
| Q1 25 | $1.34 | $-0.09 | ||
| Q4 24 | $0.62 | $-0.04 | ||
| Q3 24 | $0.63 | $0.03 | ||
| Q2 24 | $0.40 | $-0.04 | ||
| Q1 24 | $0.45 | $-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 | $1.7M | $115.7M |
| Total DebtLower is stronger | — | $280.1M |
| Stockholders' EquityBook value | $254.8M | $484.4M |
| Total Assets | $1.3B | $1.2B |
| Debt / EquityLower = less leverage | — | 0.58× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.7M | $115.7M | ||
| Q3 25 | $1.2M | $95.7M | ||
| Q2 25 | $1.4M | $162.6M | ||
| Q1 25 | $4.6M | $165.5M | ||
| Q4 24 | $1.2M | $189.5M | ||
| Q3 24 | $1.3M | $168.7M | ||
| Q2 24 | $1.5M | $147.1M | ||
| Q1 24 | $1.7M | $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 | $254.8M | $484.4M | ||
| Q3 25 | $242.1M | $616.9M | ||
| Q2 25 | $235.4M | $633.7M | ||
| Q1 25 | $223.1M | $755.7M | ||
| Q4 24 | $208.6M | $761.3M | ||
| Q3 24 | $198.1M | $754.7M | ||
| Q2 24 | $187.9M | $815.4M | ||
| Q1 24 | $179.6M | $813.8M |
| Q4 25 | $1.3B | $1.2B | ||
| Q3 25 | $1.3B | $1.3B | ||
| Q2 25 | $1.3B | $1.4B | ||
| Q1 25 | $1.3B | $1.5B | ||
| Q4 24 | $1.3B | $1.6B | ||
| Q3 24 | $1.3B | $1.6B | ||
| Q2 24 | $1.3B | $1.5B | ||
| Q1 24 | $1.3B | $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 | $14.1M | $23.3M |
| Free Cash FlowOCF − Capex | $6.2M | $23.2M |
| FCF MarginFCF / Revenue | 5.9% | 29.6% |
| Capex IntensityCapex / Revenue | 7.5% | 0.1% |
| Cash ConversionOCF / Net Profit | 1.15× | — |
| TTM Free Cash FlowTrailing 4 quarters | $40.1M | $90.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $14.1M | $23.3M | ||
| Q3 25 | $24.7M | $32.2M | ||
| Q2 25 | $8.1M | $33.1M | ||
| Q1 25 | $13.8M | $2.5M | ||
| Q4 24 | $9.3M | $34.3M | ||
| Q3 24 | $20.9M | $60.1M | ||
| Q2 24 | $2.2M | $31.0M | ||
| Q1 24 | $19.7M | $24.8M |
| Q4 25 | $6.2M | $23.2M | ||
| Q3 25 | $18.0M | $32.1M | ||
| Q2 25 | $5.2M | $33.0M | ||
| Q1 25 | $10.6M | $2.4M | ||
| Q4 24 | $4.9M | $34.0M | ||
| Q3 24 | $16.2M | $59.8M | ||
| Q2 24 | $-1.4M | $30.5M | ||
| Q1 24 | $16.2M | $24.7M |
| Q4 25 | 5.9% | 29.6% | ||
| Q3 25 | 17.5% | 41.3% | ||
| Q2 25 | 5.1% | 43.6% | ||
| Q1 25 | 9.9% | 3.0% | ||
| Q4 24 | 5.0% | 43.5% | ||
| Q3 24 | 16.1% | 75.6% | ||
| Q2 24 | -1.4% | 40.7% | ||
| Q1 24 | 15.6% | 30.6% |
| Q4 25 | 7.5% | 0.1% | ||
| Q3 25 | 6.5% | 0.2% | ||
| Q2 25 | 2.8% | 0.1% | ||
| Q1 25 | 3.0% | 0.2% | ||
| Q4 24 | 4.5% | 0.3% | ||
| Q3 24 | 4.6% | 0.3% | ||
| Q2 24 | 3.5% | 0.6% | ||
| Q1 24 | 3.4% | 0.1% |
| Q4 25 | 1.15× | — | ||
| Q3 25 | 3.76× | — | ||
| Q2 25 | 0.69× | — | ||
| Q1 25 | 0.66× | — | ||
| Q4 24 | 0.94× | — | ||
| Q3 24 | 2.11× | 18.52× | ||
| Q2 24 | 0.34× | — | ||
| Q1 24 | 2.83× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CSV
| Propertyand Merchandise | $47.8M | 45% |
| Cemetery Interment Rights | $24.8M | 23% |
| Merchandise | $18.9M | 18% |
| Other Revenue | $10.2M | 10% |
| Other | $3.9M | 4% |
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
