RPAYNasdaqServices-Business Services, NECFiscal year ends December 31
Repay Holdings Corp
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 10, 2026
$4.15+0.12 (+2.98%)
Close on Oct 19, 2026
- Market cap
- $345.63B
- P/E (TTM)
- –
- Dividend yield
- –
Margins
Share of revenue, fiscal years 2017 to 2025
Gross margin
75.0%+1.8 pts over 5 years
Operating margin
-82.4%−61.7 pts over 5 years
Net margin
-83.0%−14.9 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | -1.2% | +3.5% | +14.8% | – | |
| Gross profit | -3.9% | +2.7% | +15.4% | – | |
| Free cash flow | -39.1% | +8.5% | +27.0% | – |
Returns and balance sheet
9 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2017 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | – | -29.2% | -41.2% | |
| Return on assets | – | -11.2% | -18.5% | |
| Current ratio | 0.16 | 1.82 | 0.82 | |
| Debt to equity | – | 0.50 | 0.88 | |
| Net debt to EBITDA | – | 5.75× | -2.04× | |
| Interest coverage | 3.7× | – | -18.3× | |
| Capex to revenue | 0.5% | 0.6% | 0.1% | |
| Diluted shares | – | 52.18B | 85.56B |
Where the cash went
Fiscal 2021 to 2025, five years combined
Repay generated $472.37M from operations and spent $16.64M on capital expenditure, dividends and share buybacks. 48% of that went back into the business.
Generated
$472.37M
Used
$16.64M
Capital expenditure$8.05M48%Dividends$00%Share buybacks$8.59M52%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin-83.0%
×Asset turnover0.22×
×Equity multiplier2.22×
=Return on equity, FY2025-41.2%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | -83.0% | 0.22× | 2.22× | -41.2% |
| FY2024 | -3.2% | 0.20× | 1.96× | -1.3% |
| FY2023 | -37.2% | 0.19× | 1.84× | -12.9% |
| FY2022 | 4.6% | 0.17× | 1.87× | 1.5% |
| FY2021 | -22.8% | 0.16× | 2.02× | -7.2% |
| FY2020 | -68.1% | 0.16× | 2.62× | -29.2% |
| FY2018 | 8.1% | 1.19× | 43.67× | 419.8% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
4of 9 tests passed in fiscal 2025. Scores of 7 to 9 are usually read as strong.
- ProfitableNet income above zero-$256.72M
- Cash generatingOperating cash flow above zero$91.11M
- Return on assets improvedROA up on the prior year-0.7% → -16.3%
- Earnings backed by cashOperating cash flow above net income$91.11M vs -$256.72M
- Less leverageLong-term debt to assets fell31.6% → 23.3%
- Better liquidityCurrent ratio rose2.69 → 0.82
- No dilutionShare count did not rise89.92B → 85.56B
- Gross margin improvedGross margin up on the prior year77.12% → 75.02%
- More efficientAsset turnover rose0.21 → 0.20