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Side-by-side financial comparison of Elme Communities (ELME) 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 $62.1M, roughly 1.3× Elme Communities). Repay Holdings Corp runs the higher net margin — -178.3% vs -198.9%, a 20.6% gap on every dollar of revenue. On growth, Elme Communities posted the faster year-over-year revenue change (1.7% vs 0.4%). Repay Holdings Corp produced more free cash flow last quarter ($23.2M vs $7.2M). Over the past eight quarters, Elme Communities's revenue compounded faster (2.7% CAGR vs -1.3%).
Elme Communities is a publicly traded U.S. real estate investment trust that primarily owns, operates and develops high-quality multifamily residential communities. It focuses on key growth markets across the U.S. Mid-Atlantic and Southeast, offering affordable to mid-tier housing options for diverse renter groups.
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.
ELME vs RPAY — Head-to-Head
Income Statement — Q3 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $62.1M | $78.6M |
| Net Profit | $-123.5M | $-140.1M |
| Gross Margin | 61.1% | 74.2% |
| Operating Margin | -183.3% | -182.2% |
| Net Margin | -198.9% | -178.3% |
| Revenue YoY | 1.7% | 0.4% |
| Net Profit YoY | -4058.7% | -3304.1% |
| EPS (diluted) | $-1.40 | $-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 | — | $78.6M | ||
| Q3 25 | $62.1M | $77.7M | ||
| Q2 25 | $62.1M | $75.6M | ||
| Q1 25 | $61.5M | $77.3M | ||
| Q4 24 | $61.3M | $78.3M | ||
| Q3 24 | $61.1M | $79.1M | ||
| Q2 24 | $60.1M | $74.9M | ||
| Q1 24 | $59.5M | $80.7M |
| Q4 25 | — | $-140.1M | ||
| Q3 25 | $-123.5M | $-6.4M | ||
| Q2 25 | $-3.6M | $-102.3M | ||
| Q1 25 | $-4.7M | $-7.9M | ||
| Q4 24 | $-3.0M | $-4.1M | ||
| Q3 24 | $-3.0M | $3.2M | ||
| Q2 24 | $-3.5M | $-4.1M | ||
| Q1 24 | $-3.6M | $-5.2M |
| Q4 25 | — | 74.2% | ||
| Q3 25 | 61.1% | 74.4% | ||
| Q2 25 | 63.5% | 75.7% | ||
| Q1 25 | 64.2% | 75.9% | ||
| Q4 24 | 62.9% | 76.3% | ||
| Q3 24 | 63.5% | 77.8% | ||
| Q2 24 | 63.4% | 78.2% | ||
| Q1 24 | 63.5% | 76.2% |
| Q4 25 | — | -182.2% | ||
| Q3 25 | -183.3% | -3.9% | ||
| Q2 25 | 9.6% | -138.7% | ||
| Q1 25 | 7.8% | -4.7% | ||
| Q4 24 | 10.4% | -1.5% | ||
| Q3 24 | 11.0% | -0.9% | ||
| Q2 24 | 9.8% | -4.6% | ||
| Q1 24 | 7.5% | -3.1% |
| Q4 25 | — | -178.3% | ||
| Q3 25 | -198.9% | -8.3% | ||
| Q2 25 | -5.7% | -135.2% | ||
| Q1 25 | -7.6% | -10.3% | ||
| Q4 24 | -4.9% | -5.3% | ||
| Q3 24 | -4.9% | 4.1% | ||
| Q2 24 | -5.8% | -5.4% | ||
| Q1 24 | -6.1% | -6.5% |
| Q4 25 | — | $-1.68 | ||
| Q3 25 | $-1.40 | $-0.08 | ||
| Q2 25 | $-0.04 | $-1.15 | ||
| Q1 25 | $-0.05 | $-0.09 | ||
| Q4 24 | $-0.04 | $-0.04 | ||
| Q3 24 | $-0.03 | $0.03 | ||
| Q2 24 | $-0.04 | $-0.04 | ||
| Q1 24 | $-0.04 | $-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 | $7.1M | $115.7M |
| Total DebtLower is stronger | — | $280.1M |
| Stockholders' EquityBook value | $908.9M | $484.4M |
| Total Assets | $1.7B | $1.2B |
| Debt / EquityLower = less leverage | — | 0.58× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $115.7M | ||
| Q3 25 | $7.1M | $95.7M | ||
| Q2 25 | $4.8M | $162.6M | ||
| Q1 25 | $6.4M | $165.5M | ||
| Q4 24 | $6.1M | $189.5M | ||
| Q3 24 | $4.8M | $168.7M | ||
| Q2 24 | $5.6M | $147.1M | ||
| Q1 24 | $4.2M | $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 | — | $484.4M | ||
| Q3 25 | $908.9M | $616.9M | ||
| Q2 25 | $1.0B | $633.7M | ||
| Q1 25 | $1.1B | $755.7M | ||
| Q4 24 | $1.1B | $761.3M | ||
| Q3 24 | $1.1B | $754.7M | ||
| Q2 24 | $1.1B | $815.4M | ||
| Q1 24 | $1.1B | $813.8M |
| Q4 25 | — | $1.2B | ||
| Q3 25 | $1.7B | $1.3B | ||
| Q2 25 | $1.8B | $1.4B | ||
| Q1 25 | $1.8B | $1.5B | ||
| Q4 24 | $1.8B | $1.6B | ||
| Q3 24 | $1.9B | $1.6B | ||
| Q2 24 | $1.9B | $1.5B | ||
| Q1 24 | $1.9B | $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 | $15.9M | $23.3M |
| Free Cash FlowOCF − Capex | $7.2M | $23.2M |
| FCF MarginFCF / Revenue | 11.6% | 29.6% |
| Capex IntensityCapex / Revenue | 14.0% | 0.1% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $86.7M | $90.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $23.3M | ||
| Q3 25 | $15.9M | $32.2M | ||
| Q2 25 | $29.8M | $33.1M | ||
| Q1 25 | $16.2M | $2.5M | ||
| Q4 24 | $95.2M | $34.3M | ||
| Q3 24 | $20.7M | $60.1M | ||
| Q2 24 | $28.9M | $31.0M | ||
| Q1 24 | $21.2M | $24.8M |
| Q4 25 | — | $23.2M | ||
| Q3 25 | $7.2M | $32.1M | ||
| Q2 25 | $21.1M | $33.0M | ||
| Q1 25 | $10.5M | $2.4M | ||
| Q4 24 | $47.9M | $34.0M | ||
| Q3 24 | $8.8M | $59.8M | ||
| Q2 24 | $21.0M | $30.5M | ||
| Q1 24 | $7.6M | $24.7M |
| Q4 25 | — | 29.6% | ||
| Q3 25 | 11.6% | 41.3% | ||
| Q2 25 | 34.1% | 43.6% | ||
| Q1 25 | 17.1% | 3.0% | ||
| Q4 24 | 78.1% | 43.5% | ||
| Q3 24 | 14.4% | 75.6% | ||
| Q2 24 | 34.9% | 40.7% | ||
| Q1 24 | 12.8% | 30.6% |
| Q4 25 | — | 0.1% | ||
| Q3 25 | 14.0% | 0.2% | ||
| Q2 25 | 14.0% | 0.1% | ||
| Q1 25 | 9.2% | 0.2% | ||
| Q4 24 | 77.4% | 0.3% | ||
| Q3 24 | 19.4% | 0.3% | ||
| Q2 24 | 13.1% | 0.6% | ||
| Q1 24 | 22.9% | 0.1% |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| 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
ELME
| Residential Segment | $57.7M | 93% |
| Other | $4.4M | 7% |
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
