# Repay Holdings Corporation (RPAY)

**Exchange:** NASDAQ  
**Sector:** Technology  
**Market cap:** $289.19B  
**Price:** $3.38 (-1.46%)

> Repay Holdings Corporation provides integrated payment processing solutions through a proprietary technology platform tailored to vertical markets with specific transaction needs. It enables payments via mobile apps, text, interactive voice response, virtual terminals, hosted payment pages, and online customer portals. The company operates in two main segments: Consumer Payments, which offers debit and credit card processing, ACH processing, and other electronic payment acceptance solutions; and Business Payments, which includes accounts payable automation, virtual credit card processing, ACH, and additional electronic solutions. Key services encompass instant funding, clearing and settlement, messaging management, STX mortgage transfer automation, virtual debit cards, and value-added services. Repay Holdings Corporation supports industries such as automotive finance, lending, construction, manufacturing, and heavy trucking through partnerships and integrations that embed payment capabilities into third-party platforms for multi-channel acceptance, automation, and real-time visibility. Founded in 2006 and headquartered in Atlanta, Georgia, it plays a vital role in enhancing efficiency and security in diversified payment processing for businesses and consumers.

## Income Statement (Annual, USD)

| Fiscal Year | Revenue | Gross Profit | Operating Income | Net Income | EPS (dil.) |
| --- | --- | --- | --- | --- | --- |
| 2025 | $309M | $232M | -$255M | -$257M | — |
| 2024 | $313M | $241M | -$8M | -$10M | — |
| 2023 | $297M | $227M | -$111M | -$110M | — |
| 2022 | $279M | $214M | -$47M | $13M | — |
| 2021 | $219M | $164M | -$54M | -$50M | — |
| 2020 | $155M | $114M | -$32M | -$106M | — |
| 2019 | $105M | — | -$48M | — | — |
| 2018 | $130M | — | $17M | $11M | — |
| 2017 | $94M | — | $16M | $9M | — |

## Balance Sheet (Annual, USD)

| Fiscal Year | Total Assets | Total Liabilities | Equity | Cash | Long-term Debt |
| --- | --- | --- | --- | --- | --- |
| 2025 | $1.20B | $718M | $484M | $116M | $280M |
| 2024 | $1.57B | $799M | $761M | $190M | $497M |
| 2023 | $1.52B | $689M | $815M | $118M | $434M |
| 2022 | $1.63B | $699M | $895M | $65M | $451M |
| 2021 | $1.69B | $773M | $874M | $50M | $448M |
| 2020 | $1.11B | $554M | $509M | $91M | $250M |
| 2019 | $782M | $362M | $214M | $25M | $208M |
| 2018 | $219M | $110M | $5M | $13M | $89M |
| 2017 | $176,330 | $156,600 | $19,730 | $25,817 | — |

## Cash Flow (Annual, USD)

| Fiscal Year | Operating Cash Flow | CapEx | Free Cash Flow |
| --- | --- | --- | --- |
| 2025 | $91M | $286,000 | $91M |
| 2024 | $150M | $989,000 | $149M |
| 2023 | $104M | $733,000 | $103M |
| 2022 | $74M | $3M | $71M |
| 2021 | $53M | $3M | $50M |
| 2020 | $28M | $994,000 | $27M |
| 2018 | $24M | $913,498 | $23M |
| 2017 | $21M | $448,601 | $21M |

Source: [CompaniesByCap](https://companiesbycap.com/company/RPAY)