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Side-by-side financial comparison of REGIS CORP (RGS) 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 $57.1M, roughly 1.4× REGIS CORP). REGIS CORP runs the higher net margin — 0.8% vs -178.3%, a 179.1% gap on every dollar of revenue. On growth, REGIS CORP posted the faster year-over-year revenue change (22.3% vs 0.4%). Repay Holdings Corp produced more free cash flow last quarter ($23.2M vs $891.0K). Over the past eight quarters, REGIS CORP's revenue compounded faster (7.8% CAGR vs -1.3%).
REGIS CORPRGSEarnings & Financial Report
Regis Corporation is an American operator of hair salons. As of August 2021, it has 5,563 franchised and 276 company-owned salons. Its headquarters are in Minneapolis, Minnesota.
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.
RGS vs RPAY — Head-to-Head
Income Statement — Q2 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $57.1M | $78.6M |
| Net Profit | $456.0K | $-140.1M |
| Gross Margin | — | 74.2% |
| Operating Margin | 10.8% | -182.2% |
| Net Margin | 0.8% | -178.3% |
| Revenue YoY | 22.3% | 0.4% |
| Net Profit YoY | -94.0% | -3304.1% |
| EPS (diluted) | $0.16 | $-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 | $57.1M | $78.6M | ||
| Q3 25 | $59.0M | $77.7M | ||
| Q2 25 | $60.4M | $75.6M | ||
| Q1 25 | $57.0M | $77.3M | ||
| Q4 24 | $46.7M | $78.3M | ||
| Q3 24 | $46.1M | $79.1M | ||
| Q2 24 | $49.4M | $74.9M | ||
| Q1 24 | $49.2M | $80.7M |
| Q4 25 | $456.0K | $-140.1M | ||
| Q3 25 | $1.4M | $-6.4M | ||
| Q2 25 | $116.5M | $-102.3M | ||
| Q1 25 | $250.0K | $-7.9M | ||
| Q4 24 | $7.6M | $-4.1M | ||
| Q3 24 | $-853.0K | $3.2M | ||
| Q2 24 | $91.2M | $-4.1M | ||
| Q1 24 | $-2.3M | $-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 | 10.8% | -182.2% | ||
| Q3 25 | 10.0% | -3.9% | ||
| Q2 25 | 12.1% | -138.7% | ||
| Q1 25 | 8.8% | -4.7% | ||
| Q4 24 | 11.8% | -1.5% | ||
| Q3 24 | 4.6% | -0.9% | ||
| Q2 24 | — | -4.6% | ||
| Q1 24 | 8.3% | -3.1% |
| Q4 25 | 0.8% | -178.3% | ||
| Q3 25 | 2.3% | -8.3% | ||
| Q2 25 | 192.9% | -135.2% | ||
| Q1 25 | 0.4% | -10.3% | ||
| Q4 24 | 16.4% | -5.3% | ||
| Q3 24 | -1.9% | 4.1% | ||
| Q2 24 | 184.7% | -5.4% | ||
| Q1 24 | -4.7% | -6.5% |
| Q4 25 | $0.16 | $-1.68 | ||
| Q3 25 | $0.49 | $-0.08 | ||
| Q2 25 | $43.67 | $-1.15 | ||
| Q1 25 | $0.08 | $-0.09 | ||
| Q4 24 | $2.71 | $-0.04 | ||
| Q3 24 | $-0.36 | $0.03 | ||
| Q2 24 | $38.40 | $-0.04 | ||
| Q1 24 | $-1.00 | $-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 | $18.4M | $115.7M |
| Total DebtLower is stronger | $113.3M | $280.1M |
| Stockholders' EquityBook value | $188.7M | $484.4M |
| Total Assets | $588.3M | $1.2B |
| Debt / EquityLower = less leverage | 0.60× | 0.58× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $18.4M | $115.7M | ||
| Q3 25 | $16.6M | $95.7M | ||
| Q2 25 | $17.0M | $162.6M | ||
| Q1 25 | $13.3M | $165.5M | ||
| Q4 24 | $10.2M | $189.5M | ||
| Q3 24 | $6.3M | $168.7M | ||
| Q2 24 | $10.1M | $147.1M | ||
| Q1 24 | $5.9M | $128.3M |
| Q4 25 | $113.3M | $280.1M | ||
| Q3 25 | $111.3M | $279.5M | ||
| Q2 25 | $110.8M | $279.0M | ||
| Q1 25 | $112.0M | $497.6M | ||
| Q4 24 | $111.5M | $496.8M | ||
| Q3 24 | $95.2M | $496.2M | ||
| Q2 24 | $99.5M | $435.6M | ||
| Q1 24 | $179.7M | $434.9M |
| Q4 25 | $188.7M | $484.4M | ||
| Q3 25 | $187.6M | $616.9M | ||
| Q2 25 | $185.6M | $633.7M | ||
| Q1 25 | $68.6M | $755.7M | ||
| Q4 24 | $66.7M | $761.3M | ||
| Q3 24 | $56.4M | $754.7M | ||
| Q2 24 | $56.8M | $815.4M | ||
| Q1 24 | $-35.8M | $813.8M |
| Q4 25 | $588.3M | $1.2B | ||
| Q3 25 | $592.1M | $1.3B | ||
| Q2 25 | $599.0M | $1.4B | ||
| Q1 25 | $511.2M | $1.5B | ||
| Q4 24 | $530.1M | $1.6B | ||
| Q3 24 | $508.9M | $1.6B | ||
| Q2 24 | $530.5M | $1.5B | ||
| Q1 24 | $543.7M | $1.5B |
| Q4 25 | 0.60× | 0.58× | ||
| Q3 25 | 0.59× | 0.45× | ||
| Q2 25 | 0.60× | 0.44× | ||
| Q1 25 | 1.63× | 0.66× | ||
| Q4 24 | 1.67× | 0.65× | ||
| Q3 24 | 1.69× | 0.66× | ||
| Q2 24 | 1.75× | 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 | $1.7M | $23.3M |
| Free Cash FlowOCF − Capex | $891.0K | $23.2M |
| FCF MarginFCF / Revenue | 1.6% | 29.6% |
| Capex IntensityCapex / Revenue | 1.4% | 0.1% |
| Cash ConversionOCF / Net Profit | 3.65× | — |
| TTM Free Cash FlowTrailing 4 quarters | $14.9M | $90.7M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.7M | $23.3M | ||
| Q3 25 | $2.3M | $32.2M | ||
| Q2 25 | $6.8M | $33.1M | ||
| Q1 25 | $6.2M | $2.5M | ||
| Q4 24 | $2.1M | $34.3M | ||
| Q3 24 | $-1.3M | $60.1M | ||
| Q2 24 | $5.1M | $31.0M | ||
| Q1 24 | $-277.0K | $24.8M |
| Q4 25 | $891.0K | $23.2M | ||
| Q3 25 | $1.9M | $32.1M | ||
| Q2 25 | $6.2M | $33.0M | ||
| Q1 25 | $5.9M | $2.4M | ||
| Q4 24 | $1.7M | $34.0M | ||
| Q3 24 | $-1.4M | $59.8M | ||
| Q2 24 | $5.1M | $30.5M | ||
| Q1 24 | $-326.0K | $24.7M |
| Q4 25 | 1.6% | 29.6% | ||
| Q3 25 | 3.2% | 41.3% | ||
| Q2 25 | 10.3% | 43.6% | ||
| Q1 25 | 10.3% | 3.0% | ||
| Q4 24 | 3.6% | 43.5% | ||
| Q3 24 | -3.0% | 75.6% | ||
| Q2 24 | 10.3% | 40.7% | ||
| Q1 24 | -0.7% | 30.6% |
| Q4 25 | 1.4% | 0.1% | ||
| Q3 25 | 0.7% | 0.2% | ||
| Q2 25 | 0.9% | 0.1% | ||
| Q1 25 | 0.6% | 0.2% | ||
| Q4 24 | 0.9% | 0.3% | ||
| Q3 24 | 0.0% | 0.3% | ||
| Q2 24 | 0.0% | 0.6% | ||
| Q1 24 | 0.1% | 0.1% |
| Q4 25 | 3.65× | — | ||
| Q3 25 | 1.68× | — | ||
| Q2 25 | 0.06× | — | ||
| Q1 25 | 24.80× | — | ||
| Q4 24 | 0.28× | — | ||
| Q3 24 | — | 18.52× | ||
| Q2 24 | 0.06× | — | ||
| Q1 24 | — | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
RGS
| Franchise Segment | $37.9M | 66% |
| Royalty | $13.6M | 24% |
| Other | $2.8M | 5% |
| Fees | $1.8M | 3% |
| Franchise Fees | $1.0M | 2% |
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
