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Repay
Repay (RPAY) investor relations material
Repay Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary9 Mar, 2026
Executive summary
Achieved strong normalized growth and free cash flow in Q4 2025, with normalized revenue up 10% and gross profit up 9% year-over-year, reflecting progress in strategic and operational initiatives.
Strengthened operations, go-to-market, and leadership throughout 2025, positioning for continued momentum in 2026.
Consumer Payments segment showed resilient trends and continued enterprise client wins, while Business Payments saw strong pipeline growth in key verticals.
Focused on enhancing client digital payment flows and expanding software partnerships, adding 14 new partners in 2025 for a total of 294.
Supplier network in business payments grew to over 602,000, up over 65% year-over-year.
Financial highlights
Q4 2025 revenue was $78.6M (flat year-over-year), with normalized growth of 10%; gross profit was $58.3M (up 9% normalized), and gross profit margin was 74%.
Q4 2025 Adjusted EBITDA was $32.4M (41% margin); free cash flow was $13.8M (43% conversion).
Q4 2025 net loss was $148.3M, primarily due to a $138.9M non-cash goodwill impairment in Consumer Payments.
FY 2025 revenue was $309.3M (up 3% normalized, down 1% reported); gross profit was $232.0M (up 1% normalized, down 4% reported).
FY 2025 Adjusted EBITDA was $128.6M (42% margin); free cash flow was $49.1M (38% conversion).
Outlook and guidance
2026 revenue expected between $340M–$346M, representing 10–12% reported growth and 7–9% normalized growth.
Adjusted EBITDA guidance is $136.5M–$141.5M (approx. 40% margin); free cash flow conversion target above 45%.
Q1 2026 growth to be lower due to timing of client implementations, with stronger growth expected in the second half.
Political media contributions expected to add $8M–$10M to revenue in 2026.
Management expects to benefit from operational improvements and to strategically deploy capital for long-term growth.
Consumer Payments segment strategy post-impairment
Drivers of Business Payments normalized growth
Operational improvements supporting 2026 outlook
Drivers of Consumer Payments GP margin compression
Rationale for prioritizing AP over AR in Business
Liquidity impact of Feb 2026 debt settlement
Repay Voice: What's the 2026 rollout plan?
What's the sustainable B2B growth rate?
How will capital allocation balance debt and M&A?
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Next Repay earnings date
Q1 202611 May, 2026
Repay
Next Repay earnings date
Q1 202611 May, 2026
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Repay Holdings Corporation is a financial technology company specializing in integrated payment processing solutions. The company provides a range of services, including electronic payments, card processing, and ACH (automated clearing house) solutions, to industries such as healthcare, personal finance, automotive, and government. Repay Holdings Corporation is headquartered in Atlanta, Georgia, and its shares are listed on the NASDAQ.
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