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Side-by-side financial comparison of HANMI FINANCIAL CORP (HAFC) 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 $71.2M, roughly 1.1× HANMI FINANCIAL CORP). HANMI FINANCIAL CORP runs the higher net margin — 29.8% vs -178.3%, a 208.1% gap on every dollar of revenue. On growth, HANMI FINANCIAL CORP posted the faster year-over-year revenue change (17.1% vs 0.4%). HANMI FINANCIAL CORP produced more free cash flow last quarter ($203.7M vs $23.2M). Over the past eight quarters, HANMI FINANCIAL CORP's revenue compounded faster (10.4% CAGR vs -1.3%).
Hanmi Bank Corporation is a community bank headquartered in Los Angeles, California, with 35 branches and eight loan production offices in California, Texas, Illinois, New York, New Jersey and Virginia.
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.
HAFC vs RPAY — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $71.2M | $78.6M |
| Net Profit | $21.2M | $-140.1M |
| Gross Margin | — | 74.2% |
| Operating Margin | 29.8% | -182.2% |
| Net Margin | 29.8% | -178.3% |
| Revenue YoY | 17.1% | 0.4% |
| Net Profit YoY | 20.0% | -3304.1% |
| EPS (diluted) | $0.70 | $-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 | $71.2M | $78.6M | ||
| Q3 25 | $71.0M | $77.7M | ||
| Q2 25 | $65.2M | $75.6M | ||
| Q1 25 | $62.8M | $77.3M | ||
| Q4 24 | $60.8M | $78.3M | ||
| Q3 24 | $58.5M | $79.1M | ||
| Q2 24 | $56.7M | $74.9M | ||
| Q1 24 | $58.4M | $80.7M |
| Q4 25 | $21.2M | $-140.1M | ||
| Q3 25 | $22.1M | $-6.4M | ||
| Q2 25 | $15.1M | $-102.3M | ||
| Q1 25 | $17.7M | $-7.9M | ||
| Q4 24 | $17.7M | $-4.1M | ||
| Q3 24 | $14.9M | $3.2M | ||
| Q2 24 | $14.5M | $-4.1M | ||
| Q1 24 | $15.2M | $-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 | 29.8% | -182.2% | ||
| Q3 25 | 31.1% | -3.9% | ||
| Q2 25 | 23.2% | -138.7% | ||
| Q1 25 | 28.1% | -4.7% | ||
| Q4 24 | 29.1% | -1.5% | ||
| Q3 24 | 25.5% | -0.9% | ||
| Q2 24 | 25.5% | -4.6% | ||
| Q1 24 | 26.0% | -3.1% |
| Q4 25 | 29.8% | -178.3% | ||
| Q3 25 | 31.1% | -8.3% | ||
| Q2 25 | 23.2% | -135.2% | ||
| Q1 25 | 28.1% | -10.3% | ||
| Q4 24 | 29.1% | -5.3% | ||
| Q3 24 | 25.5% | 4.1% | ||
| Q2 24 | 25.5% | -5.4% | ||
| Q1 24 | 26.0% | -6.5% |
| Q4 25 | $0.70 | $-1.68 | ||
| Q3 25 | $0.73 | $-0.08 | ||
| Q2 25 | $0.50 | $-1.15 | ||
| Q1 25 | $0.58 | $-0.09 | ||
| Q4 24 | $0.58 | $-0.04 | ||
| Q3 24 | $0.49 | $0.03 | ||
| Q2 24 | $0.48 | $-0.04 | ||
| Q1 24 | $0.50 | $-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 | — | $280.1M |
| Stockholders' EquityBook value | $796.4M | $484.4M |
| Total Assets | $7.9B | $1.2B |
| Debt / EquityLower = less leverage | — | 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 | — | $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 | $796.4M | $484.4M | ||
| Q3 25 | $779.5M | $616.9M | ||
| Q2 25 | $762.8M | $633.7M | ||
| Q1 25 | $751.5M | $755.7M | ||
| Q4 24 | $732.2M | $761.3M | ||
| Q3 24 | $736.7M | $754.7M | ||
| Q2 24 | $707.1M | $815.4M | ||
| Q1 24 | $703.1M | $813.8M |
| Q4 25 | $7.9B | $1.2B | ||
| Q3 25 | $7.9B | $1.3B | ||
| Q2 25 | $7.9B | $1.4B | ||
| Q1 25 | $7.7B | $1.5B | ||
| Q4 24 | $7.7B | $1.6B | ||
| Q3 24 | $7.7B | $1.6B | ||
| Q2 24 | $7.6B | $1.5B | ||
| Q1 24 | $7.5B | $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 | $206.0M | $23.3M |
| Free Cash FlowOCF − Capex | $203.7M | $23.2M |
| FCF MarginFCF / Revenue | 286.2% | 29.6% |
| Capex IntensityCapex / Revenue | 3.2% | 0.1% |
| Cash ConversionOCF / Net Profit | 9.70× | — |
| TTM Free Cash FlowTrailing 4 quarters | $356.1M | $90.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $206.0M | $23.3M | ||
| Q3 25 | $146.9M | $32.2M | ||
| Q2 25 | $-19.0M | $33.1M | ||
| Q1 25 | $25.8M | $2.5M | ||
| Q4 24 | $52.6M | $34.3M | ||
| Q3 24 | $6.7M | $60.1M | ||
| Q2 24 | $2.1M | $31.0M | ||
| Q1 24 | $30.0M | $24.8M |
| Q4 25 | $203.7M | $23.2M | ||
| Q3 25 | $146.4M | $32.1M | ||
| Q2 25 | $-19.6M | $33.0M | ||
| Q1 25 | $25.6M | $2.4M | ||
| Q4 24 | $49.9M | $34.0M | ||
| Q3 24 | $6.5M | $59.8M | ||
| Q2 24 | $1.3M | $30.5M | ||
| Q1 24 | $29.2M | $24.7M |
| Q4 25 | 286.2% | 29.6% | ||
| Q3 25 | 206.3% | 41.3% | ||
| Q2 25 | -30.0% | 43.6% | ||
| Q1 25 | 40.7% | 3.0% | ||
| Q4 24 | 82.1% | 43.5% | ||
| Q3 24 | 11.1% | 75.6% | ||
| Q2 24 | 2.3% | 40.7% | ||
| Q1 24 | 50.0% | 30.6% |
| Q4 25 | 3.2% | 0.1% | ||
| Q3 25 | 0.8% | 0.2% | ||
| Q2 25 | 0.9% | 0.1% | ||
| Q1 25 | 0.4% | 0.2% | ||
| Q4 24 | 4.3% | 0.3% | ||
| Q3 24 | 0.4% | 0.3% | ||
| Q2 24 | 1.4% | 0.6% | ||
| Q1 24 | 1.4% | 0.1% |
| Q4 25 | 9.70× | — | ||
| Q3 25 | 6.66× | — | ||
| Q2 25 | -1.26× | — | ||
| Q1 25 | 1.46× | — | ||
| Q4 24 | 2.97× | — | ||
| Q3 24 | 0.45× | 18.52× | ||
| Q2 24 | 0.14× | — | ||
| Q1 24 | 1.98× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
HAFC
Segment breakdown not available.
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
