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Side-by-side financial comparison of NPK International Inc. (NPKI) 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 $75.2M, roughly 1.0× NPK International Inc.). On growth, NPK International Inc. posted the faster year-over-year revenue change (30.7% vs 0.4%). Repay Holdings Corp produced more free cash flow last quarter ($23.2M vs $5.8M). Over the past eight quarters, NPK International Inc.'s revenue compounded faster (23.9% CAGR vs -1.3%).
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.
NPKI vs RPAY — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $75.2M | $78.6M |
| Net Profit | — | $-140.1M |
| Gross Margin | 37.7% | 74.2% |
| Operating Margin | 16.7% | -182.2% |
| Net Margin | — | -178.3% |
| Revenue YoY | 30.7% | 0.4% |
| Net Profit YoY | — | -3304.1% |
| EPS (diluted) | $0.17 | $-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 | $75.2M | $78.6M | ||
| Q3 25 | $68.8M | $77.7M | ||
| Q2 25 | $68.2M | $75.6M | ||
| Q1 25 | $64.8M | $77.3M | ||
| Q4 24 | $57.5M | $78.3M | ||
| Q3 24 | $44.2M | $79.1M | ||
| Q2 24 | $66.8M | $74.9M | ||
| Q1 24 | $49.0M | $80.7M |
| Q4 25 | — | $-140.1M | ||
| Q3 25 | $5.7M | $-6.4M | ||
| Q2 25 | $8.7M | $-102.3M | ||
| Q1 25 | $10.0M | $-7.9M | ||
| Q4 24 | — | $-4.1M | ||
| Q3 24 | $-174.3M | $3.2M | ||
| Q2 24 | $8.0M | $-4.1M | ||
| Q1 24 | $7.3M | $-5.2M |
| Q4 25 | 37.7% | 74.2% | ||
| Q3 25 | 31.9% | 74.4% | ||
| Q2 25 | 36.9% | 75.7% | ||
| Q1 25 | 39.0% | 75.9% | ||
| Q4 24 | 39.2% | 76.3% | ||
| Q3 24 | 27.5% | 77.8% | ||
| Q2 24 | 37.2% | 78.2% | ||
| Q1 24 | 36.0% | 76.2% |
| Q4 25 | 16.7% | -182.2% | ||
| Q3 25 | 13.2% | -3.9% | ||
| Q2 25 | 17.0% | -138.7% | ||
| Q1 25 | 20.9% | -4.7% | ||
| Q4 24 | 20.2% | -1.5% | ||
| Q3 24 | 2.8% | -0.9% | ||
| Q2 24 | 18.7% | -4.6% | ||
| Q1 24 | 14.2% | -3.1% |
| Q4 25 | — | -178.3% | ||
| Q3 25 | 8.2% | -8.3% | ||
| Q2 25 | 12.7% | -135.2% | ||
| Q1 25 | 15.4% | -10.3% | ||
| Q4 24 | — | -5.3% | ||
| Q3 24 | -394.3% | 4.1% | ||
| Q2 24 | 12.0% | -5.4% | ||
| Q1 24 | 14.9% | -6.5% |
| Q4 25 | $0.17 | $-1.68 | ||
| Q3 25 | $0.07 | $-0.08 | ||
| Q2 25 | $0.10 | $-1.15 | ||
| Q1 25 | $0.11 | $-0.09 | ||
| Q4 24 | $0.10 | $-0.04 | ||
| Q3 24 | $-1.99 | $0.03 | ||
| Q2 24 | $0.09 | $-0.04 | ||
| Q1 24 | $0.08 | $-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 | $5.1M | $115.7M |
| Total DebtLower is stronger | $16.9M | $280.1M |
| Stockholders' EquityBook value | $351.2M | $484.4M |
| Total Assets | $441.8M | $1.2B |
| Debt / EquityLower = less leverage | 0.05× | 0.58× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $5.1M | $115.7M | ||
| Q3 25 | $35.6M | $95.7M | ||
| Q2 25 | $26.0M | $162.6M | ||
| Q1 25 | $20.8M | $165.5M | ||
| Q4 24 | $17.8M | $189.5M | ||
| Q3 24 | $42.9M | $168.7M | ||
| Q2 24 | $35.1M | $147.1M | ||
| Q1 24 | $37.7M | $128.3M |
| Q4 25 | $16.9M | $280.1M | ||
| Q3 25 | $9.5M | $279.5M | ||
| Q2 25 | $9.3M | $279.0M | ||
| Q1 25 | $8.1M | $497.6M | ||
| Q4 24 | $7.7M | $496.8M | ||
| Q3 24 | $14.0M | $496.2M | ||
| Q2 24 | $58.0M | $435.6M | ||
| Q1 24 | $77.4M | $434.9M |
| Q4 25 | $351.2M | $484.4M | ||
| Q3 25 | $333.9M | $616.9M | ||
| Q2 25 | $328.8M | $633.7M | ||
| Q1 25 | $326.9M | $755.7M | ||
| Q4 24 | $326.5M | $761.3M | ||
| Q3 24 | $316.5M | $754.7M | ||
| Q2 24 | $426.6M | $815.4M | ||
| Q1 24 | $421.6M | $813.8M |
| Q4 25 | $441.8M | $1.2B | ||
| Q3 25 | $404.5M | $1.3B | ||
| Q2 25 | $393.7M | $1.4B | ||
| Q1 25 | $390.0M | $1.5B | ||
| Q4 24 | $393.7M | $1.6B | ||
| Q3 24 | $389.6M | $1.6B | ||
| Q2 24 | $624.8M | $1.5B | ||
| Q1 24 | $640.8M | $1.5B |
| Q4 25 | 0.05× | 0.58× | ||
| Q3 25 | 0.03× | 0.45× | ||
| Q2 25 | 0.03× | 0.44× | ||
| Q1 25 | 0.02× | 0.66× | ||
| Q4 24 | 0.02× | 0.65× | ||
| Q3 24 | 0.04× | 0.66× | ||
| Q2 24 | 0.14× | 0.53× | ||
| Q1 24 | 0.18× | 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 | $18.0M | $23.3M |
| Free Cash FlowOCF − Capex | $5.8M | $23.2M |
| FCF MarginFCF / Revenue | 7.6% | 29.6% |
| Capex IntensityCapex / Revenue | 16.3% | 0.1% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | $26.3M | $90.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $18.0M | $23.3M | ||
| Q3 25 | $24.7M | $32.2M | ||
| Q2 25 | $21.4M | $33.1M | ||
| Q1 25 | $8.8M | $2.5M | ||
| Q4 24 | $-4.1M | $34.3M | ||
| Q3 24 | $2.8M | $60.1M | ||
| Q2 24 | $27.6M | $31.0M | ||
| Q1 24 | $11.9M | $24.8M |
| Q4 25 | $5.8M | $23.2M | ||
| Q3 25 | $12.0M | $32.1M | ||
| Q2 25 | $9.7M | $33.0M | ||
| Q1 25 | $-1.2M | $2.4M | ||
| Q4 24 | $-17.7M | $34.0M | ||
| Q3 24 | $-6.7M | $59.8M | ||
| Q2 24 | $21.0M | $30.5M | ||
| Q1 24 | $-1.9M | $24.7M |
| Q4 25 | 7.6% | 29.6% | ||
| Q3 25 | 17.4% | 41.3% | ||
| Q2 25 | 14.3% | 43.6% | ||
| Q1 25 | -1.8% | 3.0% | ||
| Q4 24 | -30.8% | 43.5% | ||
| Q3 24 | -15.2% | 75.6% | ||
| Q2 24 | 31.4% | 40.7% | ||
| Q1 24 | -3.9% | 30.6% |
| Q4 25 | 16.3% | 0.1% | ||
| Q3 25 | 18.5% | 0.2% | ||
| Q2 25 | 17.1% | 0.1% | ||
| Q1 25 | 15.5% | 0.2% | ||
| Q4 24 | 23.6% | 0.3% | ||
| Q3 24 | 21.4% | 0.3% | ||
| Q2 24 | 9.9% | 0.6% | ||
| Q1 24 | 28.3% | 0.1% |
| Q4 25 | — | — | ||
| Q3 25 | 4.37× | — | ||
| Q2 25 | 2.47× | — | ||
| Q1 25 | 0.88× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 18.52× | ||
| Q2 24 | 3.43× | — | ||
| Q1 24 | 1.64× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
NPKI
| Rental Revenue | $34.8M | 46% |
| Products | $25.5M | 34% |
| Services | $14.9M | 20% |
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
