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Side-by-side financial comparison of NACCO INDUSTRIES INC (NC) 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 $66.8M, roughly 1.2× NACCO INDUSTRIES INC). NACCO INDUSTRIES INC runs the higher net margin — -5.8% vs -178.3%, a 172.5% gap on every dollar of revenue. On growth, Repay Holdings Corp posted the faster year-over-year revenue change (0.4% vs -5.2%). Over the past eight quarters, NACCO INDUSTRIES INC's revenue compounded faster (11.9% CAGR vs -1.3%).
NACCO Industries, Inc. is an American publicly traded holding company, headquartered in Cleveland, Ohio. Through a portfolio of mining and natural resources businesses, the company operates under three business segments: Coal Mining, North American Mining, and Minerals Management. The Coal Mining segment operates surface coal mines under long-term contracts with power generation companies and an activated carbon producer pursuant to a service-based business model. The North American Mining se...
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.
NC vs RPAY — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $66.8M | $78.6M |
| Net Profit | $-3.8M | $-140.1M |
| Gross Margin | 18.0% | 74.2% |
| Operating Margin | 11.3% | -182.2% |
| Net Margin | -5.8% | -178.3% |
| Revenue YoY | -5.2% | 0.4% |
| Net Profit YoY | -150.8% | -3304.1% |
| EPS (diluted) | $-0.53 | $-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 | $66.8M | $78.6M | ||
| Q3 25 | $76.6M | $77.7M | ||
| Q2 25 | $68.2M | $75.6M | ||
| Q1 25 | $65.6M | $77.3M | ||
| Q4 24 | $70.4M | $78.3M | ||
| Q3 24 | $61.7M | $79.1M | ||
| Q2 24 | $52.3M | $74.9M | ||
| Q1 24 | $53.3M | $80.7M |
| Q4 25 | $-3.8M | $-140.1M | ||
| Q3 25 | $13.3M | $-6.4M | ||
| Q2 25 | $3.3M | $-102.3M | ||
| Q1 25 | $4.9M | $-7.9M | ||
| Q4 24 | $7.6M | $-4.1M | ||
| Q3 24 | $15.6M | $3.2M | ||
| Q2 24 | $6.0M | $-4.1M | ||
| Q1 24 | $4.6M | $-5.2M |
| Q4 25 | 18.0% | 74.2% | ||
| Q3 25 | 13.0% | 74.4% | ||
| Q2 25 | 10.0% | 75.7% | ||
| Q1 25 | 14.7% | 75.9% | ||
| Q4 24 | 12.0% | 76.3% | ||
| Q3 24 | 11.7% | 77.8% | ||
| Q2 24 | 13.4% | 78.2% | ||
| Q1 24 | 13.2% | 76.2% |
| Q4 25 | 11.3% | -182.2% | ||
| Q3 25 | 8.8% | -3.9% | ||
| Q2 25 | -0.1% | -138.7% | ||
| Q1 25 | 11.7% | -4.7% | ||
| Q4 24 | 5.5% | -1.5% | ||
| Q3 24 | 31.9% | -0.9% | ||
| Q2 24 | 14.1% | -4.6% | ||
| Q1 24 | 8.9% | -3.1% |
| Q4 25 | -5.8% | -178.3% | ||
| Q3 25 | 17.3% | -8.3% | ||
| Q2 25 | 4.8% | -135.2% | ||
| Q1 25 | 7.5% | -10.3% | ||
| Q4 24 | 10.7% | -5.3% | ||
| Q3 24 | 25.4% | 4.1% | ||
| Q2 24 | 11.4% | -5.4% | ||
| Q1 24 | 8.6% | -6.5% |
| Q4 25 | $-0.53 | $-1.68 | ||
| Q3 25 | $1.78 | $-0.08 | ||
| Q2 25 | $0.44 | $-1.15 | ||
| Q1 25 | $0.66 | $-0.09 | ||
| Q4 24 | $0.99 | $-0.04 | ||
| Q3 24 | $2.14 | $0.03 | ||
| Q2 24 | $0.81 | $-0.04 | ||
| Q1 24 | $0.61 | $-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 | $49.7M | $115.7M |
| Total DebtLower is stronger | $100.8M | $280.1M |
| Stockholders' EquityBook value | $429.2M | $484.4M |
| Total Assets | $661.2M | $1.2B |
| Debt / EquityLower = less leverage | 0.23× | 0.58× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $49.7M | $115.7M | ||
| Q3 25 | $52.7M | $95.7M | ||
| Q2 25 | $49.4M | $162.6M | ||
| Q1 25 | $61.9M | $165.5M | ||
| Q4 24 | $72.8M | $189.5M | ||
| Q3 24 | $63.1M | $168.7M | ||
| Q2 24 | $62.4M | $147.1M | ||
| Q1 24 | $61.8M | $128.3M |
| Q4 25 | $100.8M | $280.1M | ||
| Q3 25 | — | $279.5M | ||
| Q2 25 | — | $279.0M | ||
| Q1 25 | — | $497.6M | ||
| Q4 24 | $99.4M | $496.8M | ||
| Q3 24 | — | $496.2M | ||
| Q2 24 | $29.0M | $435.6M | ||
| Q1 24 | $28.4M | $434.9M |
| Q4 25 | $429.2M | $484.4M | ||
| Q3 25 | $426.4M | $616.9M | ||
| Q2 25 | $413.1M | $633.7M | ||
| Q1 25 | $409.1M | $755.7M | ||
| Q4 24 | $404.9M | $761.3M | ||
| Q3 24 | $397.3M | $754.7M | ||
| Q2 24 | $384.1M | $815.4M | ||
| Q1 24 | $381.6M | $813.8M |
| Q4 25 | $661.2M | $1.2B | ||
| Q3 25 | $637.6M | $1.3B | ||
| Q2 25 | $631.3M | $1.4B | ||
| Q1 25 | $634.2M | $1.5B | ||
| Q4 24 | $631.7M | $1.6B | ||
| Q3 24 | $597.4M | $1.6B | ||
| Q2 24 | $560.1M | $1.5B | ||
| Q1 24 | $538.0M | $1.5B |
| Q4 25 | 0.23× | 0.58× | ||
| Q3 25 | — | 0.45× | ||
| Q2 25 | — | 0.44× | ||
| Q1 25 | — | 0.66× | ||
| Q4 24 | 0.25× | 0.65× | ||
| Q3 24 | — | 0.66× | ||
| Q2 24 | 0.08× | 0.53× | ||
| Q1 24 | 0.07× | 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 | $11.4M | $23.3M |
| Free Cash FlowOCF − Capex | — | $23.2M |
| FCF MarginFCF / Revenue | — | 29.6% |
| Capex IntensityCapex / Revenue | — | 0.1% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $90.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $11.4M | $23.3M | ||
| Q3 25 | $42.3M | $32.2M | ||
| Q2 25 | $-7.8M | $33.1M | ||
| Q1 25 | $5.0M | $2.5M | ||
| Q4 24 | $25.2M | $34.3M | ||
| Q3 24 | $2.8M | $60.1M | ||
| Q2 24 | $4.1M | $31.0M | ||
| Q1 24 | $-9.8M | $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 | — | — | ||
| Q3 25 | 3.19× | — | ||
| Q2 25 | -2.39× | — | ||
| Q1 25 | 1.03× | — | ||
| Q4 24 | 3.33× | — | ||
| Q3 24 | 0.18× | 18.52× | ||
| Q2 24 | 0.68× | — | ||
| Q1 24 | -2.14× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
NC
| Transferred Over Time | $42.7M | 64% |
| Transferred At Point In Time | $24.1M | 36% |
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
