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Side-by-side financial comparison of Hippo Holdings Inc. (HIPO) and Repay Holdings Corp (RPAY). Click either name above to swap in a different company.
Hippo Holdings Inc. is the larger business by last-quarter revenue ($120.4M vs $78.6M, roughly 1.5× Repay Holdings Corp). Hippo Holdings Inc. runs the higher net margin — 5.0% vs -178.3%, a 183.3% gap on every dollar of revenue. On growth, Hippo Holdings Inc. posted the faster year-over-year revenue change (18.2% vs 0.4%). Repay Holdings Corp produced more free cash flow last quarter ($23.2M vs $9.1M). Over the past eight quarters, Hippo Holdings Inc.'s revenue compounded faster (18.9% CAGR vs -1.3%).
Hippo Valley Estate is a sugar estate found near the town of Chiredzi in Chiredzi District of southeastern Zimbabwe, on the Runde River near the border with Mozambique.
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.
HIPO vs RPAY — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $120.4M | $78.6M |
| Net Profit | $6.0M | $-140.1M |
| Gross Margin | — | 74.2% |
| Operating Margin | 5.6% | -182.2% |
| Net Margin | 5.0% | -178.3% |
| Revenue YoY | 18.2% | 0.4% |
| Net Profit YoY | -86.4% | -3304.1% |
| EPS (diluted) | $0.31 | $-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 | $120.4M | $78.6M | ||
| Q3 25 | $120.6M | $77.7M | ||
| Q2 25 | $117.3M | $75.6M | ||
| Q1 25 | $110.3M | $77.3M | ||
| Q4 24 | $101.9M | $78.3M | ||
| Q3 24 | $95.5M | $79.1M | ||
| Q2 24 | $89.6M | $74.9M | ||
| Q1 24 | $85.1M | $80.7M |
| Q4 25 | $6.0M | $-140.1M | ||
| Q3 25 | $98.1M | $-6.4M | ||
| Q2 25 | $1.3M | $-102.3M | ||
| Q1 25 | $-47.7M | $-7.9M | ||
| Q4 24 | $44.2M | $-4.1M | ||
| Q3 24 | $-8.5M | $3.2M | ||
| Q2 24 | $-40.5M | $-4.1M | ||
| Q1 24 | $-35.7M | $-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 | 5.6% | -182.2% | ||
| Q3 25 | 81.3% | -3.9% | ||
| Q2 25 | 3.4% | -138.7% | ||
| Q1 25 | -41.3% | -4.7% | ||
| Q4 24 | 46.3% | -1.5% | ||
| Q3 24 | -5.4% | -0.9% | ||
| Q2 24 | -40.7% | -4.6% | ||
| Q1 24 | -38.7% | -3.1% |
| Q4 25 | 5.0% | -178.3% | ||
| Q3 25 | 81.3% | -8.3% | ||
| Q2 25 | 1.1% | -135.2% | ||
| Q1 25 | -43.2% | -10.3% | ||
| Q4 24 | 43.4% | -5.3% | ||
| Q3 24 | -8.9% | 4.1% | ||
| Q2 24 | -45.2% | -5.4% | ||
| Q1 24 | -42.0% | -6.5% |
| Q4 25 | $0.31 | $-1.68 | ||
| Q3 25 | $3.77 | $-0.08 | ||
| Q2 25 | $0.05 | $-1.15 | ||
| Q1 25 | $-1.91 | $-0.09 | ||
| Q4 24 | $1.81 | $-0.04 | ||
| Q3 24 | $-0.34 | $0.03 | ||
| Q2 24 | $-1.64 | $-0.04 | ||
| Q1 24 | $-1.47 | $-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 | $218.3M | $115.7M |
| Total DebtLower is stronger | — | $280.1M |
| Stockholders' EquityBook value | $436.1M | $484.4M |
| Total Assets | $1.9B | $1.2B |
| Debt / EquityLower = less leverage | — | 0.58× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $218.3M | $115.7M | ||
| Q3 25 | $247.7M | $95.7M | ||
| Q2 25 | $198.9M | $162.6M | ||
| Q1 25 | $140.9M | $165.5M | ||
| Q4 24 | $197.6M | $189.5M | ||
| Q3 24 | $191.2M | $168.7M | ||
| Q2 24 | $175.9M | $147.1M | ||
| Q1 24 | $223.4M | $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 | $436.1M | $484.4M | ||
| Q3 25 | $421.5M | $616.9M | ||
| Q2 25 | $332.5M | $633.7M | ||
| Q1 25 | $322.8M | $755.7M | ||
| Q4 24 | $362.1M | $761.3M | ||
| Q3 24 | $326.4M | $754.7M | ||
| Q2 24 | $322.6M | $815.4M | ||
| Q1 24 | $351.2M | $813.8M |
| Q4 25 | $1.9B | $1.2B | ||
| Q3 25 | $1.9B | $1.3B | ||
| Q2 25 | $1.7B | $1.4B | ||
| Q1 25 | $1.5B | $1.5B | ||
| Q4 24 | $1.5B | $1.6B | ||
| Q3 24 | $1.5B | $1.6B | ||
| Q2 24 | $1.5B | $1.5B | ||
| Q1 24 | $1.5B | $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 | $9.2M | $23.3M |
| Free Cash FlowOCF − Capex | $9.1M | $23.2M |
| FCF MarginFCF / Revenue | 7.6% | 29.6% |
| Capex IntensityCapex / Revenue | 0.1% | 0.1% |
| Cash ConversionOCF / Net Profit | 1.53× | — |
| TTM Free Cash FlowTrailing 4 quarters | $14.8M | $90.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $9.2M | $23.3M | ||
| Q3 25 | $16.9M | $32.2M | ||
| Q2 25 | $24.7M | $33.1M | ||
| Q1 25 | $-35.6M | $2.5M | ||
| Q4 24 | $47.5M | $34.3M | ||
| Q3 24 | $46.8M | $60.1M | ||
| Q2 24 | $-10.6M | $31.0M | ||
| Q1 24 | $17.7M | $24.8M |
| Q4 25 | $9.1M | $23.2M | ||
| Q3 25 | $16.8M | $32.1M | ||
| Q2 25 | $24.6M | $33.0M | ||
| Q1 25 | $-35.7M | $2.4M | ||
| Q4 24 | $47.2M | $34.0M | ||
| Q3 24 | — | $59.8M | ||
| Q2 24 | $-10.7M | $30.5M | ||
| Q1 24 | $17.6M | $24.7M |
| Q4 25 | 7.6% | 29.6% | ||
| Q3 25 | 13.9% | 41.3% | ||
| Q2 25 | 21.0% | 43.6% | ||
| Q1 25 | -32.4% | 3.0% | ||
| Q4 24 | 46.3% | 43.5% | ||
| Q3 24 | — | 75.6% | ||
| Q2 24 | -11.9% | 40.7% | ||
| Q1 24 | 20.7% | 30.6% |
| Q4 25 | 0.1% | 0.1% | ||
| Q3 25 | 0.1% | 0.2% | ||
| Q2 25 | 0.1% | 0.1% | ||
| Q1 25 | 0.1% | 0.2% | ||
| Q4 24 | 0.3% | 0.3% | ||
| Q3 24 | 0.0% | 0.3% | ||
| Q2 24 | 0.1% | 0.6% | ||
| Q1 24 | 0.1% | 0.1% |
| Q4 25 | 1.53× | — | ||
| Q3 25 | 0.17× | — | ||
| Q2 25 | 19.00× | — | ||
| Q1 25 | — | — | ||
| Q4 24 | 1.07× | — | ||
| 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
HIPO
Segment breakdown not available.
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
