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Side-by-side financial comparison of INVESTORS TITLE CO (ITIC) 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 $69.5M, roughly 1.1× INVESTORS TITLE CO). On growth, Repay Holdings Corp posted the faster year-over-year revenue change (0.4% vs -1.6%). INVESTORS TITLE CO produced more free cash flow last quarter ($25.4M vs $23.2M). Over the past eight quarters, INVESTORS TITLE CO's revenue compounded faster (14.0% CAGR vs -1.3%).
The Real Estate Title Insurance Company of Philadelphia was the world's first title insurance company.
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.
ITIC vs RPAY — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $69.5M | $78.6M |
| Net Profit | — | $-140.1M |
| Gross Margin | — | 74.2% |
| Operating Margin | 13.8% | -182.2% |
| Net Margin | — | -178.3% |
| Revenue YoY | -1.6% | 0.4% |
| Net Profit YoY | — | -3304.1% |
| EPS (diluted) | $3.97 | $-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 | $69.5M | $78.6M | ||
| Q3 25 | $73.0M | $77.7M | ||
| Q2 25 | $73.6M | $75.6M | ||
| Q1 25 | $56.6M | $77.3M | ||
| Q4 24 | $70.6M | $78.3M | ||
| Q3 24 | $68.8M | $79.1M | ||
| Q2 24 | $65.4M | $74.9M | ||
| Q1 24 | $53.5M | $80.7M |
| Q4 25 | — | $-140.1M | ||
| Q3 25 | $12.2M | $-6.4M | ||
| Q2 25 | $12.3M | $-102.3M | ||
| Q1 25 | $3.2M | $-7.9M | ||
| Q4 24 | — | $-4.1M | ||
| Q3 24 | $9.3M | $3.2M | ||
| Q2 24 | $8.9M | $-4.1M | ||
| Q1 24 | $4.5M | $-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 | 13.8% | -182.2% | ||
| Q3 25 | 20.7% | -3.9% | ||
| Q2 25 | 21.5% | -138.7% | ||
| Q1 25 | 7.2% | -4.7% | ||
| Q4 24 | 15.3% | -1.5% | ||
| Q3 24 | 16.8% | -0.9% | ||
| Q2 24 | 17.2% | -4.6% | ||
| Q1 24 | 10.8% | -3.1% |
| Q4 25 | — | -178.3% | ||
| Q3 25 | 16.7% | -8.3% | ||
| Q2 25 | 16.7% | -135.2% | ||
| Q1 25 | 5.6% | -10.3% | ||
| Q4 24 | — | -5.3% | ||
| Q3 24 | 13.5% | 4.1% | ||
| Q2 24 | 13.6% | -5.4% | ||
| Q1 24 | 8.5% | -6.5% |
| Q4 25 | $3.97 | $-1.68 | ||
| Q3 25 | $6.45 | $-0.08 | ||
| Q2 25 | $6.48 | $-1.15 | ||
| Q1 25 | $1.67 | $-0.09 | ||
| Q4 24 | $4.41 | $-0.04 | ||
| Q3 24 | $4.92 | $0.03 | ||
| Q2 24 | $4.70 | $-0.04 | ||
| Q1 24 | $2.40 | $-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 | $89.6M | $115.7M |
| Total DebtLower is stronger | — | $280.1M |
| Stockholders' EquityBook value | $268.3M | $484.4M |
| Total Assets | $363.1M | $1.2B |
| Debt / EquityLower = less leverage | — | 0.58× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $89.6M | $115.7M | ||
| Q3 25 | $110.8M | $95.7M | ||
| Q2 25 | $90.1M | $162.6M | ||
| Q1 25 | $81.7M | $165.5M | ||
| Q4 24 | $83.8M | $189.5M | ||
| Q3 24 | $112.9M | $168.7M | ||
| Q2 24 | $111.2M | $147.1M | ||
| Q1 24 | $135.0M | $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 | $268.3M | $484.4M | ||
| Q3 25 | $278.0M | $616.9M | ||
| Q2 25 | $266.2M | $633.7M | ||
| Q1 25 | $254.4M | $755.7M | ||
| Q4 24 | $251.8M | $761.3M | ||
| Q3 24 | $271.3M | $754.7M | ||
| Q2 24 | $261.8M | $815.4M | ||
| Q1 24 | $254.0M | $813.8M |
| Q4 25 | $363.1M | $1.2B | ||
| Q3 25 | $363.3M | $1.3B | ||
| Q2 25 | $345.8M | $1.4B | ||
| Q1 25 | $333.8M | $1.5B | ||
| Q4 24 | $333.6M | $1.6B | ||
| Q3 24 | $352.0M | $1.6B | ||
| Q2 24 | $340.3M | $1.5B | ||
| Q1 24 | $329.5M | $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 | $30.9M | $23.3M |
| Free Cash FlowOCF − Capex | $25.4M | $23.2M |
| FCF MarginFCF / Revenue | 36.5% | 29.6% |
| Capex IntensityCapex / Revenue | 8.0% | 0.1% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $47.1M | $90.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $30.9M | $23.3M | ||
| Q3 25 | $17.2M | $32.2M | ||
| Q2 25 | $8.9M | $33.1M | ||
| Q1 25 | $-75.0K | $2.5M | ||
| Q4 24 | $29.8M | $34.3M | ||
| Q3 24 | $7.8M | $60.1M | ||
| Q2 24 | $8.4M | $31.0M | ||
| Q1 24 | $1.4M | $24.8M |
| Q4 25 | $25.4M | $23.2M | ||
| Q3 25 | $15.8M | $32.1M | ||
| Q2 25 | $7.3M | $33.0M | ||
| Q1 25 | $-1.4M | $2.4M | ||
| Q4 24 | $22.4M | $34.0M | ||
| Q3 24 | $6.1M | $59.8M | ||
| Q2 24 | $6.3M | $30.5M | ||
| Q1 24 | $-793.0K | $24.7M |
| Q4 25 | 36.5% | 29.6% | ||
| Q3 25 | 21.7% | 41.3% | ||
| Q2 25 | 9.9% | 43.6% | ||
| Q1 25 | -2.5% | 3.0% | ||
| Q4 24 | 31.7% | 43.5% | ||
| Q3 24 | 8.8% | 75.6% | ||
| Q2 24 | 9.7% | 40.7% | ||
| Q1 24 | -1.5% | 30.6% |
| Q4 25 | 8.0% | 0.1% | ||
| Q3 25 | 1.8% | 0.2% | ||
| Q2 25 | 2.1% | 0.1% | ||
| Q1 25 | 2.4% | 0.2% | ||
| Q4 24 | 10.5% | 0.3% | ||
| Q3 24 | 2.5% | 0.3% | ||
| Q2 24 | 3.2% | 0.6% | ||
| Q1 24 | 4.2% | 0.1% |
| Q4 25 | — | — | ||
| Q3 25 | 1.40× | — | ||
| Q2 25 | 0.72× | — | ||
| Q1 25 | -0.02× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 0.84× | 18.52× | ||
| Q2 24 | 0.95× | — | ||
| Q1 24 | 0.32× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
ITIC
Segment breakdown not available.
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
