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Repay Holdings Corp

RPAY Clue Score44
United States Fiscal year ends December CIK 0001720592
$3.87 +0.00% Close, 9 Oct 2026
Alert on the numbers Alert on insider trades
Price $3.87 −82.29% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 17 Jul 2018. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueOperating incomeNet income
Fiscal year 2017Revenue94.0Operating income16.4Net income9.4Fiscal year 2018Revenue130.0 +38.4%Operating income16.6Net income10.5 +11.5%Fiscal year 2019Revenue104.6 −19.5%Operating income−48.2Fiscal year 2020Revenue155.0 +48.2%Operating income−32.0Net income−105.6EPS, diluted−2.02Fiscal year 2021Revenue219.3 +41.4%Operating income−54.0Net income−50.1EPS, diluted−0.60Fiscal year 2022Revenue279.2 +27.4%Operating income−47.2Net income12.8EPS, diluted0.12Fiscal year 2023Revenue296.6 +6.2%Operating income−111.4Net income−110.5 −960.8%EPS, diluted−1.23Fiscal year 2024Revenue313.0 +5.5%Operating income−7.8Net income−10.2EPS, diluted−0.11Fiscal year 2025Revenue309.3 −1.2%Operating income−254.7Net income−256.7EPS, diluted−3.00
FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue 94.0 130.0 104.6 155.0 219.3 279.2 296.6 313.0 309.3
Growth +38.4% −19.5% +48.2% +41.4% +27.4% +6.2% +5.5% −1.2%
Operating income 16.4 16.6 −48.2 −32.0 −54.0 −47.2 −111.4 −7.8 −254.7
Net income 9.4 10.5 n/a −105.6 −50.1 12.8 −110.5 −10.2 −256.7
Growth +11.5% −960.8%
EPS, diluted n/a n/a n/a −2.02 −0.60 0.12 −1.23 −0.11 −3.00

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Gross marginOperating marginNet margin
Fiscal year 2017Operating margin17.4%Net margin10.1%Free cash flow margin22.0%Fiscal year 2018Operating margin12.8%Net margin8.1%Free cash flow margin17.9%Fiscal year 2019Operating margin−46.1%Fiscal year 2020Gross margin73.3%Operating margin−20.6%Net margin−68.1%Free cash flow margin17.7%Fiscal year 2021Gross margin74.7%Operating margin−24.6%Net margin−22.8%Free cash flow margin23.0%Fiscal year 2022Gross margin76.8%Operating margin−16.9%Net margin4.6%Free cash flow margin25.4%Fiscal year 2023Gross margin76.5%Operating margin−37.6%Net margin−37.2%Free cash flow margin34.7%Fiscal year 2024Gross margin77.1%Operating margin−2.5%Net margin−3.2%Free cash flow margin47.6%Fiscal year 2025Gross margin75.0%Operating margin−82.4%Net margin−83.0%Free cash flow margin29.4%
FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Gross margin n/a n/a n/a 73.3% 74.7% 76.8% 76.5% 77.1% 75.0%
Operating margin 17.4% 12.8% −46.1% −20.6% −24.6% −16.9% −37.6% −2.5% −82.4%
Net margin 10.1% 8.1% n/a −68.1% −22.8% 4.6% −37.2% −3.2% −83.0%
Free cash flow margin 22.0% 17.9% n/a 17.7% 23.0% 25.4% 34.7% 47.6% 29.4%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2017Operating cash flow21.1Capital expenditure−0.4Free cash flow20.7Fiscal year 2018Operating cash flow24.2Capital expenditure−0.9Free cash flow23.3 +12.4%Fiscal year 2019Fiscal year 2020Operating cash flow28.5Capital expenditure−1.0Free cash flow27.5Buybacks−1.4Fiscal year 2021Operating cash flow53.3Capital expenditure−2.9Free cash flow50.5 +83.6%Buybacks−4.0Fiscal year 2022Operating cash flow74.2Capital expenditure−3.2Free cash flow71.0 +40.8%Buybacks−2.7Fiscal year 2023Operating cash flow103.6Capital expenditure−0.7Free cash flow102.9 +44.8%Buybacks−1.9Fiscal year 2024Operating cash flow150.1Capital expenditure−1.0Free cash flow149.1 +44.9%Fiscal year 2025Operating cash flow91.1Capital expenditure−0.3Free cash flow90.8 −39.1%
FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 21.1 24.2 n/a 28.5 53.3 74.2 103.6 150.1 91.1
Capital expenditure −0.4 −0.9 n/a −1.0 −2.9 −3.2 −0.7 −1.0 −0.3
Free cash flow 20.7 23.3 n/a 27.5 50.5 71.0 102.9 149.1 90.8
Growth +12.4% +83.6% +40.8% +44.8% +44.9% −39.1%
Buybacks n/a n/a n/a −1.4 −4.0 −2.7 −1.9 n/a n/a

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2017Cash0.0Shareholders’ equity0.0Fiscal year 2018Cash13.3Total debt94.2Net cash (debt)−80.9Shareholders’ equity5.0Debt to equity18.84Fiscal year 2019Cash24.6Total debt213.4Net cash (debt)−188.8Shareholders’ equity213.5Debt to equity1.00Fiscal year 2020Cash91.1Total debt256.7Net cash (debt)−165.6Shareholders’ equity509.3Debt to equity0.50Fiscal year 2021Cash50.0Total debt448.5Net cash (debt)−398.4Shareholders’ equity874.0Debt to equity0.51Fiscal year 2022Cash64.9Total debt451.3Net cash (debt)−386.4Shareholders’ equity894.6Debt to equity0.50Fiscal year 2023Cash118.1Total debt434.2Net cash (debt)−316.1Shareholders’ equity815.1Debt to equity0.53Fiscal year 2024Cash189.5Total debt496.8Net cash (debt)−307.2Shareholders’ equity761.3Debt to equity0.65Fiscal year 2025Cash115.7Total debt426.5Net cash (debt)−310.9Shareholders’ equity484.4Debt to equity0.88
FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 0.0 13.3 24.6 91.1 50.0 64.9 118.1 189.5 115.7
Total debt n/a 94.2 213.4 256.7 448.5 451.3 434.2 496.8 426.5
Net cash (debt) n/a −80.9 −188.8 −165.6 −398.4 −386.4 −316.1 −307.2 −310.9
Shareholders’ equity 0.0 5.0 213.5 509.3 874.0 894.6 815.1 761.3 484.4
Debt to equity n/a 18.84 1.00 0.50 0.51 0.50 0.53 0.65 0.88

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Balance sheet

In millions of USD, except per-share figures; shares in millions. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Assets
0.0 13.3 24.6 91.1 50.0 64.9 118.1 189.5 115.7
n/a 6.0 14.1 21.3 33.2 33.5 36.0 33.0 33.2
n/a 1.2 1.6 1.6 3.8 4.4 3.1 2.4 1.2
119.5 119.5 389.7 459.0 824.1 827.8 716.8 716.8 474.5
0.2 219.1 782.0 1,110.0 1,685.8 1,626.8 1,519.8 1,571.9 1,199.7
Growth +124,131.6% +257.0% +41.9% +51.9% −3.5% −6.6% +3.4% −23.7%
Liabilities
n/a 4.9 5.5 6.8 n/a n/a n/a n/a 146.5
n/a 89.3 207.9 250.0 448.5 451.3 434.2 496.8 280.1
calc n/a 94.2 213.4 256.7 448.5 451.3 434.2 496.8 426.5
0.2 110.0 362.3 553.8 772.8 698.5 689.0 798.7 718.0
Equity
−0.0 1.5 −70.3 −175.9 −226.0 −213.2 −323.7 −333.8 −590.6
0.0 5.0 213.5 509.3 874.0 894.6 815.1 761.3 484.4
Growth +25,242.2% +4,170.7% +138.5% +71.6% +2.4% −8.9% −6.6% −36.4%
Per share and net cash
calc n/a −80.9 −188.8 −165.6 −398.4 −386.4 −316.1 −307.2 −310.9

Lines marked calc are worked out here from filed figures; point at one for how.