RPAYNasdaqServices-Business Services, NECUS GAAP · USD

Repay Holdings Corp

Repay Holdings Corp is a U.S.-based payments technology company that provides integrated payment processing solutions for industry-specific vertical markets. Its platform supports consumer and business payments through card, ACH, virtual card, loan disbursement, and related settlement and automation tools, with operations organized around Consumer Payments and Business Payments.

Kysy yhtiöstä
Liikevaihto309milj. USD
−1,2 %v/v
Liikevoitto (EBIT)−255milj. USD
−3 178,3 %v/v
EBIT-marginaali−82,4%
−79,9 %-yks.v/v
Nettotulos−257milj. USD
−2 427,8 %v/v
Vapaa kassavirta90,8milj. USD
−39,1 %v/v

Tilikausi 2025 · muutos edellisvuodesta

Kehitys 2020–2025

−400−2000200400milj. USD2020: 155 milj. USD2020: EBIT −32 milj. USD20202021: 219 milj. USD2021: EBIT −54 milj. USD20212022: 279 milj. USD2022: EBIT −47 milj. USD20222023: 297 milj. USD2023: EBIT −111 milj. USD20232024: 313 milj. USD2024: EBIT −7,8 milj. USD20242025: 309 milj. USD2025: EBIT −255 milj. USD2025309−255
LiikevaihtoLiikevoitto (EBIT)
Kysy Clarifolta: Repay Holdings Corp

Liiketoiminta

Osuus liikevaihdosta
Consumer Payments85 %

Payment acceptance and disbursement tools for consumer-facing verticals such as lending, healthcare, and collections.

Business Payments15 %

Payment processing and AP automation for business-to-business and public-sector workflows.

Payment Acceptance55 %

Card, ACH, and other electronic payment acceptance across online, mobile, phone, and POS channels.

Payment Disbursement and Settlement20 %

Loan disbursement, funds transfer, and clearing/settlement services for clients and partners.

Accounts Payable and B2B Automation15 %

Virtual card, ACH, and AP automation solutions for business payment workflows.

Software-Integrated Payment Platforms10 %

Embedded payment integrations with vertical software systems used by clients.

Asiakkaat

Repay sells primarily to businesses and organizations operating in vertical markets that need specialized payment workflows, rather than generic retail checkout. Its clients include lenders, servicers, healthcare providers, automotive businesses, schools, governments, municipalities, and other organizations that collect or send payments through integrated software systems.

Consumer finance and servicing

Personal loans, automotive loans, mortgage servicing, and receivables management clients use Repay for collections, ACH, card acceptance, and disbursements.

Healthcare and credit unions

Consumer healthcare and credit union clients use integrated payment channels to collect recurring payments and improve patient/member convenience.

Retail automotive

Dealers and automotive finance-related clients use payment acceptance and workflow-integrated processing tied to dealer management systems.

Public sector and education

Governments, municipalities, and education clients use electronic payment acceptance and AP automation for administrative workflows.

Business services and hospitality

HOA management, media, field services, and hospitality clients use B2B payment acceptance and virtual card tools.

Strategia

Repay’s strategy centers on embedding its payment technology into vertical software workflows so clients can use it as part of their operating systems. It also seeks to deepen penetration in existing verticals, expand through software integrations, improve operating efficiency, and selectively acquire capabilities or market access when attractive opportunities arise.

Deepen vertical software integrationsLyhyt aikaväli

Embedded integrations make the platform harder to replace and improve client retention.

Expand share within existing verticalsKeskipitkä aikaväli

The company focuses on increasing wallet share in markets where it already has domain knowledge and client relationships.

Improve operating leverage through automationKeskipitkä aikaväli

Processing more volume with limited incremental personnel supports scalability in a transaction-based model.

Selective acquisitionsPitkä aikaväli

Acquisitions can add capabilities, new segments, or market access faster than building internally.

Maantiede

Repay is headquartered in Atlanta, Georgia and operates primarily in the United States. The filings provided do not disclose a country-by-country revenue split, but the business is organized around U.S. vertical markets and U.S.-based software integrations and sponsor-bank relationships.

Riskit

Repay faces competition from other payment processors, which can pressure pricing and client retention in its vertical markets. Its model also depends on technology execution, software integrations, sponsor banks, and compliance with payment and data-security requirements, while the tax receivable agreement and holding-company structure add financial and liquidity complexity.

Järjestetty vakavuuden mukaan
MatalaKohtalainenKorkeaMatalaKohtalainenKorkeaVaikutus →Todennäköisyys →Competitive pricing pressure1Technology and product obsolescence2Cybersecurity and data breach exposure3Dependence on software integrations and sponsor banks4Tax receivable agreement obligations5
Vaikutus on riskin vakavuus ja todennäköisyys sen toteutumisen todennäköisyys lähivuosina, molemmat arvioitu yhtiön raporttien perusteella. Numerot vastaavat listaa.
  1. Competitive pricing pressureVaikutus: KorkeaTodennäköisyys: Kohtalainen

    The payment processing market is crowded and clients can switch providers if pricing or functionality is better elsewhere.

    Kohdistuu: Fees and client retention

  2. Technology and product obsolescenceVaikutus: KorkeaTodennäköisyys: Kohtalainen

    Payments is a fast-moving industry with changing standards, instant payments, and new embedded finance models.

    Kohdistuu: Product relevance and growth

  3. Cybersecurity and data breach exposureVaikutus: KorkeaTodennäköisyys: Kohtalainen

    Payment processors handle sensitive financial and consumer data and are subject to regulatory scrutiny after breaches.

    Kohdistuu: Operational disruption and reputational damage

  4. Dependence on software integrations and sponsor banksVaikutus: KeskitasoTodennäköisyys: Kohtalainen

    The business relies on third-party software partners and banking relationships to originate and settle transactions.

    Kohdistuu: Client acquisition and transaction processing

  5. Tax receivable agreement obligationsVaikutus: KeskitasoTodennäköisyys: Kohtalainen

    Payments under the TRA may exceed realized tax savings and create additional cash needs.

    Kohdistuu: Liquidity and capital allocation

Kysy Clarifolta: Repay Holdings Corp

Kirjanpito

Harkinnanvaraiset erät
Revenue recognition for payment processing

Revenue depends on transaction volume, processing timing, and service delivery across payment channels.

Vaikutus: Affects reported revenue timing and comparability across periods

Client settlement funds and restricted cash

The company holds reserves for potential losses and settlement obligations that are not freely available cash.

Vaikutus: Affects liquidity analysis and cash availability

Tax receivable agreement liability

The TRA is remeasured based on expected tax savings and exchange activity, creating non-operating volatility.

Vaikutus: Can materially affect earnings and cash obligations

Goodwill and intangible impairment

Acquisitions create goodwill and intangibles that must be tested for impairment when performance weakens.

Vaikutus: Can create large non-cash charges

Samankaltaisia listattuja yhtiöitä

Julkisesti listattuja yhtiöitä, joilla on samankaltainen liiketoiminta.

Corpay, Inc

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Global Payments Inc

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PayPay Corp

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Affirm Holdings, Inc.

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Priority Technology Holdings, Inc.

PRTH · Services-Business Services, NEC

Klarna Group plc

KLAR · Finance Services

Päivitetty: 24.9.2026

Repay Holdings Corp (RPAY) liikevaihto, tulos ja tunnusluvut 2025 – Clarifo