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Side-by-side financial comparison of Lovesac Co (LOVE) and Repay Holdings Corp (RPAY). Click either name above to swap in a different company.
Lovesac Co is the larger business by last-quarter revenue ($150.2M vs $78.6M, roughly 1.9× Repay Holdings Corp). Lovesac Co runs the higher net margin — -7.0% vs -178.3%, a 171.3% gap on every dollar of revenue. On growth, Repay Holdings Corp posted the faster year-over-year revenue change (0.4% vs 0.2%). Repay Holdings Corp produced more free cash flow last quarter ($23.2M vs $-10.2M). Over the past eight quarters, Repay Holdings Corp's revenue compounded faster (-1.3% CAGR vs -22.6%).
The Lovesac Company is an American furniture retailer, specializing in a patented modular furniture system called Sactionals. Sactionals consist of two combinable pieces, “Seats” and “Sides,” as well as custom-fit covers and associated accessories. Lovesac also sells Sacs, a bag seat filled with a proprietary foam mixture.
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.
LOVE vs RPAY — Head-to-Head
Income Statement — Q3 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $150.2M | $78.6M |
| Net Profit | $-10.6M | $-140.1M |
| Gross Margin | 56.1% | 74.2% |
| Operating Margin | -10.5% | -182.2% |
| Net Margin | -7.0% | -178.3% |
| Revenue YoY | 0.2% | 0.4% |
| Net Profit YoY | -114.0% | -3304.1% |
| EPS (diluted) | $-0.72 | $-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 | $150.2M | $78.6M | ||
| Q3 25 | $160.5M | $77.7M | ||
| Q2 25 | $138.4M | $75.6M | ||
| Q1 25 | $241.5M | $77.3M | ||
| Q4 24 | $149.9M | $78.3M | ||
| Q3 24 | $156.6M | $79.1M | ||
| Q2 24 | $132.6M | $74.9M | ||
| Q1 24 | $250.5M | $80.7M |
| Q4 25 | $-10.6M | $-140.1M | ||
| Q3 25 | $-6.7M | $-6.4M | ||
| Q2 25 | $-10.8M | $-102.3M | ||
| Q1 25 | $35.3M | $-7.9M | ||
| Q4 24 | $-4.9M | $-4.1M | ||
| Q3 24 | $-5.9M | $3.2M | ||
| Q2 24 | $-13.0M | $-4.1M | ||
| Q1 24 | $31.0M | $-5.2M |
| Q4 25 | 56.1% | 74.2% | ||
| Q3 25 | 56.4% | 74.4% | ||
| Q2 25 | 53.7% | 75.7% | ||
| Q1 25 | 60.4% | 75.9% | ||
| Q4 24 | 58.5% | 76.3% | ||
| Q3 24 | 59.0% | 77.8% | ||
| Q2 24 | 54.3% | 78.2% | ||
| Q1 24 | 59.7% | 76.2% |
| Q4 25 | -10.5% | -182.2% | ||
| Q3 25 | -5.5% | -3.9% | ||
| Q2 25 | -10.8% | -138.7% | ||
| Q1 25 | 19.7% | -4.7% | ||
| Q4 24 | -5.2% | -1.5% | ||
| Q3 24 | -5.3% | -0.9% | ||
| Q2 24 | -13.5% | -4.6% | ||
| Q1 24 | 16.1% | -3.1% |
| Q4 25 | -7.0% | -178.3% | ||
| Q3 25 | -4.1% | -8.3% | ||
| Q2 25 | -7.8% | -135.2% | ||
| Q1 25 | 14.6% | -10.3% | ||
| Q4 24 | -3.3% | -5.3% | ||
| Q3 24 | -3.7% | 4.1% | ||
| Q2 24 | -9.8% | -5.4% | ||
| Q1 24 | 12.4% | -6.5% |
| Q4 25 | $-0.72 | $-1.68 | ||
| Q3 25 | $-0.45 | $-0.08 | ||
| Q2 25 | $-0.73 | $-1.15 | ||
| Q1 25 | $2.22 | $-0.09 | ||
| Q4 24 | $-0.32 | $-0.04 | ||
| Q3 24 | $-0.38 | $0.03 | ||
| Q2 24 | $-0.83 | $-0.04 | ||
| Q1 24 | $1.91 | $-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 | $23.7M | $115.7M |
| Total DebtLower is stronger | — | $280.1M |
| Stockholders' EquityBook value | $189.3M | $484.4M |
| Total Assets | $495.5M | $1.2B |
| Debt / EquityLower = less leverage | — | 0.58× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $23.7M | $115.7M | ||
| Q3 25 | $34.2M | $95.7M | ||
| Q2 25 | $26.9M | $162.6M | ||
| Q1 25 | $83.7M | $165.5M | ||
| Q4 24 | $61.7M | $189.5M | ||
| Q3 24 | $72.1M | $168.7M | ||
| Q2 24 | $72.4M | $147.1M | ||
| Q1 24 | $87.0M | $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 | $189.3M | $484.4M | ||
| Q3 25 | $197.5M | $616.9M | ||
| Q2 25 | $201.2M | $633.7M | ||
| Q1 25 | $216.4M | $755.7M | ||
| Q4 24 | $196.5M | $761.3M | ||
| Q3 24 | $202.1M | $754.7M | ||
| Q2 24 | $205.3M | $815.4M | ||
| Q1 24 | $217.5M | $813.8M |
| Q4 25 | $495.5M | $1.2B | ||
| Q3 25 | $493.7M | $1.3B | ||
| Q2 25 | $483.7M | $1.4B | ||
| Q1 25 | $532.3M | $1.5B | ||
| Q4 24 | $499.7M | $1.6B | ||
| Q3 24 | $481.1M | $1.6B | ||
| Q2 24 | $477.2M | $1.5B | ||
| Q1 24 | $482.2M | $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 | $-4.9M | $23.3M |
| Free Cash FlowOCF − Capex | $-10.2M | $23.2M |
| FCF MarginFCF / Revenue | -6.8% | 29.6% |
| Capex IntensityCapex / Revenue | 3.5% | 0.1% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $-13.6M | $90.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $-4.9M | $23.3M | ||
| Q3 25 | $12.2M | $32.2M | ||
| Q2 25 | $-41.4M | $33.1M | ||
| Q1 25 | $44.0M | $2.5M | ||
| Q4 24 | $-4.2M | $34.3M | ||
| Q3 24 | $6.2M | $60.1M | ||
| Q2 24 | $-7.0M | $31.0M | ||
| Q1 24 | $56.3M | $24.8M |
| Q4 25 | $-10.2M | $23.2M | ||
| Q3 25 | $7.8M | $32.1M | ||
| Q2 25 | $-50.0M | $33.0M | ||
| Q1 25 | $38.7M | $2.4M | ||
| Q4 24 | $-6.6M | $34.0M | ||
| Q3 24 | $119.0K | $59.8M | ||
| Q2 24 | $-14.3M | $30.5M | ||
| Q1 24 | $49.5M | $24.7M |
| Q4 25 | -6.8% | 29.6% | ||
| Q3 25 | 4.9% | 41.3% | ||
| Q2 25 | -36.1% | 43.6% | ||
| Q1 25 | 16.0% | 3.0% | ||
| Q4 24 | -4.4% | 43.5% | ||
| Q3 24 | 0.1% | 75.6% | ||
| Q2 24 | -10.8% | 40.7% | ||
| Q1 24 | 19.8% | 30.6% |
| Q4 25 | 3.5% | 0.1% | ||
| Q3 25 | 2.7% | 0.2% | ||
| Q2 25 | 6.2% | 0.1% | ||
| Q1 25 | 2.2% | 0.2% | ||
| Q4 24 | 1.6% | 0.3% | ||
| Q3 24 | 3.9% | 0.3% | ||
| Q2 24 | 5.5% | 0.6% | ||
| Q1 24 | 2.7% | 0.1% |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | 1.25× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 18.52× | ||
| Q2 24 | — | — | ||
| Q1 24 | 1.82× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
LOVE
| Showrooms | $102.7M | 68% |
| Internet | $37.3M | 25% |
| Other | $10.2M | 7% |
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
