Repay Holdings Corp

Listed Company

RPAYCIK 0001720592NasdaqAcceleratedServices-Business Services, NecDelawareFY ends Dec 31

Period

FY 2025

Revenue

$309.26M

Net Income

$-256.72M

Total Assets

—

Equity

—

Shares Out

6.47M

Op. Cash Flow

$91.11M

RPAY$3.87−21.98% · past yearDBEQ Basic

Daily closing prices

Business

Repay Holdings Corporation provides integrated payment processing solutions to vertical markets including personal loans, automotive loans, receivables management, and business-to-business sectors. The company offers debit and credit card processing, ACH processing, accounts payable automation, clearing and settlement, instant funding, and communication solutions through proprietary omni-channel payment channels. Repay operates Consumer Payments and Business Payments segments, distributing through direct sales representatives and software integration partnerships with approximately 294 enterprise management system providers.

Summary from 10-K filed 2026-03-09

Financials

Consolidated Statement of Income

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Revenue	309	313	297	279	219
Costs of services (exclusive of depreciation and amortization shown separately below)	77	72	70	65	55
Selling, general and administrative	142	145	149	149	120
Depreciation and amortization	102	104	104	108	90
Loss on business disposition	—	—	10	—	—
Impairment loss	243	—	76	8	2
Total operating expenses	564	321	408	326	273
Loss from operations	−255	−8	−111	−47	−54
Interest income	4	6	3	130,000	—
Interest expense	−14	−8	−4	−4	—
Gain on extinguishment of debt	1	13	—	—	−6
Change in fair value of tax receivable liability	−14	−15	−7	67	−14
Other income (loss)	−216,000	138,000	−455,000	−510,000	−9
Total other income (expense)	−22	−3	−8	62	−33
Loss before income tax benefit	−277	−11	−120	15	−87
Income tax benefit	6	575,000	2	−6	31
Net loss	−271	−10	−117	9	−56
Less: Net loss attributable to non-controlling interests	−14	−189,000	−7	−4	−6
Net loss attributable to the Company	−257	−10	−110	13	−50
Basic (per share)	−3	−0.11	−1.23	0.14	−0.6
Diluted (per share)	−3	−0.11	−1.23	0.12	−0.6
Basic (shares)	85,558	89,915	90,049	88,792	83,318
Diluted (shares)	85,558	89,915	90,049	110,672	83,318

Consolidated Balance Sheet

As of · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Cash and cash equivalents	116	190	118	65	50
Current restricted cash	29	36	11	—	—
Accounts receivable, net	33	33	36	34	33
Prepaid expenses and other	19	17	15	18	12
Total current assets	197	275	181	117	96
Property and equipment, net	1	2	3	4	4
Noncurrent restricted cash	11	12	15	29	26
Intangible assets, net	330	389	447	501	578
Goodwill	475	717	717	828	824
Operating lease right-of-use assets, net	9	11	8	10	11
Deferred tax assets	173	163	147	136	145
Other assets	5	3	3	3	3
Total noncurrent assets	1,003	1,297	1,339	1,510	1,590
Total assets	1,200	1,572	1,520	1,627	1,686
Accounts payable	25	29	22	22	20
Accrued expenses	53	56	33	29	27
Current maturities of long-term debt, net	146	—	—	—	—
Current operating lease liabilities	2	1	2	2	2
Current tax receivable agreement ($1,555 and $2,413 held for related parties as of December 31, 2025 and December 31, 2024, respectively)	14	16	580,000	24	24
Other current liabilities	785,000	267,000	318,000	4	2
Total current liabilities	241	102	57	82	92
Long-term debt, net	280	497	434	451	448
Noncurrent operating lease liabilities	9	11	7	8	9
Tax receivable agreement, net of current portion ($20,748 and $25,134 held for related parties as of December 31, 2025 and December 31, 2024, respectively)	187	187	188	155	221
Other liabilities	1	2	2	2	2
Total noncurrent liabilities	477	696	632	616	680
Total liabilities	718	799	689	699	773
Commitments and contingencies (Note 11)	—	—	—	—	—
Treasury stock, 13,375,889 and 5,492,733 shares as of December 31, 2025 and December 31, 2024, respectively	−92	−54	−13	−10	—
Additional paid-in capital	1,167	1,149	1,151	1,118	1,100
Accumulated deficit	−591	−334	−324	−213	−226
Total Repay stockholders' equity	484	761	815	895	874
Non-controlling interests	−3	12	16	34	39
Total equity	482	773	831	928	913
Total liabilities and equity	1,200	1,572	1,520	1,627	1,686

Consolidated Statement of Cash Flows

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Stock based compensation	18	24	22	20	22
Amortization of debt issuance costs	3	3	3	3	3
Other loss	267,000	—	238,000	245,000	19,000
Deferred tax benefit	−6	−2	−4	4	−31
Change in accounts receivable, net	−222,000	3	−4	696,000	−7
Change in prepaid expenses and other	−2	−2	3	−6	−4
Change in operating lease ROU assets	2	−3	1	653,000	2
Change in other assets	−2	—	—	—	—
Change in accounts payable	−4	7	−189,000	2	5
Change in accrued expenses and other	−3	23	4	2	637,000
Change in operating lease liabilities	−1	3	−1	−523,000	−1
Change in other liabilities	−156,000	10,000	493,000	3	−7
Net cash provided by operating activities	91	150	104	74	53
Purchases of property and equipment	−286,000	−989,000	−733,000	−3	−3
Purchases of intangible assets	−200,000	—	−14	−3	−21
Capitalized software development costs	−41	−44	−50	−34	−21
Proceeds from sale of business, net of cash retained	—	—	40	—	—
Net cash used in investing activities	−42	−45	−24	−40	−397
Issuance of long-term debt	—	288	—	—	460
Payments on long-term debt	−72	−205	−20	—	−263
Payments of debt issuance costs	—	−10	—	—	—
Payments for tax withholding related to shares vesting under Incentive Plan and ESPP	−3	−2	−2	−3	—
Treasury shares repurchased	−39	−42	−3	−10	−4
Stock options exercised	—	395,000	—	—	—
Distributions to Members	—	−2	−4	−951,000	−62,000
Purchase of capped calls related to issuance of the 2029 Notes	—	−39	—	—	—
"Payment of Tax Receivable Agreement (""TRA"")"	−16	−580,000	—	—	—
Payments of contingent consideration up to acquisition date fair value	—	—	−1	−4	−7
Net cash used in financing activities	−130	−13	−29	−17	314
(Decrease) increase in cash, cash equivalents and restricted cash	−81	93	51	17	−30
Interest	9	5	1	2	1
Income taxes, net of refunds received	2	3	1	—	—

Filings

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Frequently asked questions

What is Repay Holdings Corp's CIK number?

Repay Holdings Corp's SEC CIK number is 0001720592 (1720592). The CIK (Central Index Key) is the permanent identifier the SEC assigns to every EDGAR filer — unlike a ticker symbol, it never changes.

Where can I find Repay Holdings Corp's SEC filings?

All of Repay Holdings Corp's EDGAR filings — 10-K annual reports, 10-Q quarterly reports, 8-K material events, and insider transactions — are listed on this page, sourced live from SEC EDGAR.

When did Repay Holdings Corp last report earnings?

Repay Holdings Corp (RPAY) most recently filed an earnings 8-K with the SEC on May 4, 2026, furnishing its results under Item 2.02 (Results of Operations and Financial Condition). The earnings press release is attached to that filing (accession 0001193125-26-204004). This is Repay Holdings Corp's most recent earnings filing of record — not a forecast of its next earnings date.

What is Repay Holdings Corp's most recent earnings 8-K?

Repay Holdings Corp's latest earnings 8-K (Item 2.02) was filed May 4, 2026 under accession 0001193125-26-204004. It carries the quarterly or annual earnings press release — the earliest official, SEC-filed version of the results.

View Repay Holdings Corp's latest earnings 8-K →
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