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Repay (RPAY) investor relations material
Repay Canaccord Genuity’s 45th Annual Growth Conference summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Canaccord Genuity’s 45th Annual Growth Conference summary13 Aug, 2025
Business overview and strategy
Provides integrated payment processing solutions for both consumer and B2B markets, with 80% of business in consumer bill pay and 20% in B2B payments.
Owns its technology stack, including gateways and clearing/settlement engines, enabling full control and cost advantages.
Focuses on vertical integration in sectors like automotive, healthcare, hospitality, property management, and education, building a vendor network of 440,000.
Strategic review in early 2024 led to refined go-to-market strategy, increased sales resources, and targeted product investments.
Sees significant opportunity in automating business payables, with ongoing investments in enterprise sales and implementation pipelines.
Financial performance and capital allocation
Achieved sequential revenue and gross profit growth in Q2, returning to high single-digit to low double-digit growth rates.
Q2 margins were 42% on an adjusted EBITDA basis, with free cash flow at 71% due to working capital timing.
Ended Q2 with over $160 million in cash and repurchased $38 million in stock, representing 7–8% of shares since May.
Plans to address $220 million convertible debt due February 2026, primarily using cash and a revolving credit facility.
Capital allocation priorities are organic growth, debt management, opportunistic share buybacks, and selective M&A, especially in B2B.
Growth drivers and market trends
B2B payments are a smaller but faster-growing segment, with a focus on expanding the vendor network and automating payables.
Recent client wins in automotive and healthcare, with a healthy pipeline and strong bookings year-to-date.
Investments in enterprise sales and implementation are expected to drive growth into 2026.
Collaborating with card networks to open new payment flows in underpenetrated markets like mortgage payments.
Sees opportunity in emerging payment modalities and expects continued growth as clients automate back-office functions.
B2B AP: What's the 'second frontier' opportunity?
Strategic review: Key investments for reacceleration?
New payment flows: How to monetize mortgage?
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Q3 202511 Nov, 2025
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Frequently asked questions
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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