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Side-by-side financial comparison of MEDALLION FINANCIAL CORP (MFIN) 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 $70.6M, roughly 1.1× MEDALLION FINANCIAL CORP). MEDALLION FINANCIAL CORP runs the higher net margin — 17.3% vs -178.3%, a 195.6% gap on every dollar of revenue. On growth, MEDALLION FINANCIAL CORP posted the faster year-over-year revenue change (25.4% vs 0.4%). Over the past eight quarters, MEDALLION FINANCIAL CORP's revenue compounded faster (15.0% CAGR vs -1.3%).
Mahindra & Mahindra Financial Services Limited (MMFSL) is an Indian rural non-banking financial company headquartered in Mumbai. It is amongst the top tractor financers in India, with 1000+ offices across the country.
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.
MFIN vs RPAY — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $70.6M | $78.6M |
| Net Profit | $12.2M | $-140.1M |
| Gross Margin | — | 74.2% |
| Operating Margin | 29.3% | -182.2% |
| Net Margin | 17.3% | -178.3% |
| Revenue YoY | 25.4% | 0.4% |
| Net Profit YoY | 20.3% | -3304.1% |
| EPS (diluted) | $0.50 | $-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 | $70.6M | $78.6M | ||
| Q3 25 | $58.7M | $77.7M | ||
| Q2 25 | $62.6M | $75.6M | ||
| Q1 25 | $63.0M | $77.3M | ||
| Q4 24 | $56.3M | $78.3M | ||
| Q3 24 | $53.3M | $79.1M | ||
| Q2 24 | $51.0M | $74.9M | ||
| Q1 24 | $53.3M | $80.7M |
| Q4 25 | $12.2M | $-140.1M | ||
| Q3 25 | $7.8M | $-6.4M | ||
| Q2 25 | $11.1M | $-102.3M | ||
| Q1 25 | $12.0M | $-7.9M | ||
| Q4 24 | $10.1M | $-4.1M | ||
| Q3 24 | $8.6M | $3.2M | ||
| Q2 24 | $7.1M | $-4.1M | ||
| Q1 24 | $10.0M | $-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 | 29.3% | -182.2% | ||
| Q3 25 | 33.2% | -3.9% | ||
| Q2 25 | 31.1% | -138.7% | ||
| Q1 25 | 32.1% | -4.7% | ||
| Q4 24 | 32.8% | -1.5% | ||
| Q3 24 | 26.6% | -0.9% | ||
| Q2 24 | 24.3% | -4.6% | ||
| Q1 24 | 33.6% | -3.1% |
| Q4 25 | 17.3% | -178.3% | ||
| Q3 25 | 13.2% | -8.3% | ||
| Q2 25 | 17.7% | -135.2% | ||
| Q1 25 | 19.1% | -10.3% | ||
| Q4 24 | 18.0% | -5.3% | ||
| Q3 24 | 16.1% | 4.1% | ||
| Q2 24 | 13.9% | -5.4% | ||
| Q1 24 | 18.8% | -6.5% |
| Q4 25 | $0.50 | $-1.68 | ||
| Q3 25 | $0.32 | $-0.08 | ||
| Q2 25 | $0.46 | $-1.15 | ||
| Q1 25 | $0.50 | $-0.09 | ||
| Q4 24 | $0.43 | $-0.04 | ||
| Q3 24 | $0.37 | $0.03 | ||
| Q2 24 | $0.30 | $-0.04 | ||
| Q1 24 | $0.42 | $-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 | $136.3M | $115.7M |
| Total DebtLower is stronger | $216.0M | $280.1M |
| Stockholders' EquityBook value | $408.6M | $484.4M |
| Total Assets | $3.0B | $1.2B |
| Debt / EquityLower = less leverage | 0.53× | 0.58× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $136.3M | $115.7M | ||
| Q3 25 | $72.5M | $95.7M | ||
| Q2 25 | $110.4M | $162.6M | ||
| Q1 25 | $131.5M | $165.5M | ||
| Q4 24 | $98.2M | $189.5M | ||
| Q3 24 | $120.6M | $168.7M | ||
| Q2 24 | $87.7M | $147.1M | ||
| Q1 24 | $54.8M | $128.3M |
| Q4 25 | $216.0M | $280.1M | ||
| Q3 25 | $215.7M | $279.5M | ||
| Q2 25 | $199.9M | $279.0M | ||
| Q1 25 | $199.7M | $497.6M | ||
| Q4 24 | $232.2M | $496.8M | ||
| Q3 24 | $232.0M | $496.2M | ||
| Q2 24 | $230.8M | $435.6M | ||
| Q1 24 | $225.6M | $434.9M |
| Q4 25 | $408.6M | $484.4M | ||
| Q3 25 | $397.4M | $616.9M | ||
| Q2 25 | $389.9M | $633.7M | ||
| Q1 25 | $380.2M | $755.7M | ||
| Q4 24 | $370.2M | $761.3M | ||
| Q3 24 | $362.4M | $754.7M | ||
| Q2 24 | $354.0M | $815.4M | ||
| Q1 24 | $349.0M | $813.8M |
| Q4 25 | $3.0B | $1.2B | ||
| Q3 25 | $2.9B | $1.3B | ||
| Q2 25 | $2.9B | $1.4B | ||
| Q1 25 | $2.8B | $1.5B | ||
| Q4 24 | $2.9B | $1.6B | ||
| Q3 24 | $2.9B | $1.6B | ||
| Q2 24 | $2.8B | $1.5B | ||
| Q1 24 | $2.6B | $1.5B |
| Q4 25 | 0.53× | 0.58× | ||
| Q3 25 | 0.54× | 0.45× | ||
| Q2 25 | 0.51× | 0.44× | ||
| Q1 25 | 0.53× | 0.66× | ||
| Q4 24 | 0.63× | 0.65× | ||
| Q3 24 | 0.64× | 0.66× | ||
| Q2 24 | 0.65× | 0.53× | ||
| Q1 24 | 0.65× | 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 | $126.3M | $23.3M |
| Free Cash FlowOCF − Capex | — | $23.2M |
| FCF MarginFCF / Revenue | — | 29.6% |
| Capex IntensityCapex / Revenue | — | 0.1% |
| Cash ConversionOCF / Net Profit | 10.35× | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $90.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $126.3M | $23.3M | ||
| Q3 25 | $67.0M | $32.2M | ||
| Q2 25 | $-10.7M | $33.1M | ||
| Q1 25 | $36.3M | $2.5M | ||
| Q4 24 | $108.7M | $34.3M | ||
| Q3 24 | $24.6M | $60.1M | ||
| Q2 24 | $27.6M | $31.0M | ||
| Q1 24 | $32.3M | $24.8M |
| Q4 25 | — | $23.2M | ||
| Q3 25 | — | $32.1M | ||
| Q2 25 | — | $33.0M | ||
| Q1 25 | — | $2.4M | ||
| Q4 24 | — | $34.0M | ||
| Q3 24 | — | $59.8M | ||
| Q2 24 | — | $30.5M | ||
| Q1 24 | — | $24.7M |
| Q4 25 | — | 29.6% | ||
| Q3 25 | — | 41.3% | ||
| Q2 25 | — | 43.6% | ||
| Q1 25 | — | 3.0% | ||
| Q4 24 | — | 43.5% | ||
| Q3 24 | — | 75.6% | ||
| Q2 24 | — | 40.7% | ||
| Q1 24 | — | 30.6% |
| Q4 25 | — | 0.1% | ||
| Q3 25 | — | 0.2% | ||
| Q2 25 | — | 0.1% | ||
| Q1 25 | — | 0.2% | ||
| Q4 24 | — | 0.3% | ||
| Q3 24 | — | 0.3% | ||
| Q2 24 | — | 0.6% | ||
| Q1 24 | — | 0.1% |
| Q4 25 | 10.35× | — | ||
| Q3 25 | 8.63× | — | ||
| Q2 25 | -0.97× | — | ||
| Q1 25 | 3.02× | — | ||
| Q4 24 | 10.72× | — | ||
| Q3 24 | 2.86× | 18.52× | ||
| Q2 24 | 3.89× | — | ||
| Q1 24 | 3.22× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
MFIN
Segment breakdown not available.
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
