Repay Holdings Corp (RPAY)
NASDAQ:RPAY
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Earnings Data
Report Date
Aug 12, 2026After Close (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
0.21Last Year’s EPS
0.2Same Quarter Last Year
Moderate Buy
Based on 6 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call conveyed a generally positive operational and financial picture: revenue growth (4% Q1), strong Business Payments momentum (+18% YoY), high adjusted EBITDA margins (~43%) and raised full-year margin guidance. Management highlighted product innovation (AI, digital wallet), immediate accretion from a strategic investment, and a transformational Kubra acquisition expected to double revenue and expand scale. Key risks include near-term margin pressure from card network data program changes, modest Q1 free cash flow and active cash uses, integration and regulatory risk around Kubra, and elevated leverage near-term. Overall, the positives — including upgraded EBITDA outlook, clear growth guidance, and strategic scale from Kubra — outweigh the manageable lowlights.Company Guidance
Q1 Revenue Growth
Total Q1 revenue of $80.8 million, representing 4% year-over-year growth. Business Payments revenue +18% YoY; Consumer Payments revenue +4% YoY. Normalized revenue (ex-political media) increased ~16% in Q1.
Strong Profitability and Margin Expansion
Q1 adjusted EBITDA of $34.4 million with ~43% adjusted EBITDA margin. Management raised full-year adjusted EBITDA margin outlook to ~42% for 2026.
Confirmed 2026 Outlook with Double-Digit Reported Growth Guidance
Full-year 2026 revenue guidance of $340M–$346M, implying 10%–12% reported growth (7%–9% normalized ex-political media). Adjusted EBITDA guidance $141M–$146M and free cash flow conversion target of 45% for 2026.
Business Payments Momentum and Network Expansion
Business Payments added new software partners and ended Q1 with over 665k vendors in the supplier network (increase >70% YoY). Automated matching of >15k new vendors during the quarter to improve digital monetization.
Strategic Investment and Immediate EBITDA Accretion
A strategic distribution partner investment and a small strategic purchase contributed immediate EBITDA uplift in Q1 (investment drove a Q1 EBITDA increase of just under $1M and is expected to contribute about $4.5M to full-year EBITDA).
Technology and Product Progress (AI & Wallet)
Phased rollout of Repay Voice AI to select enterprise clients and strong customer interest in digital wallet capabilities (native Apple/Google wallet presentment). Ongoing automation and AI used for performance and risk monitoring and routing optimization.
Capital & Balance Sheet Actions
Refinanced maturing notes by drawing $110M on revolver and using $37M cash; total debt includes $288M convertible notes (due 2029, 2.875% coupon). Net leverage at quarter end ~2.7x with $44M cash on hand; targeting return to <3x net leverage within ~18 months post-Kubra close.
Kubra Acquisition — Transformational Scale
Announced acquisition of Kubra (expected close in Q2 2026 subject to approvals). Based on Kubra 2025 results, the deal would approximately double Repay's revenue, enable interactions with >40% of US/Canadian households monthly, and increase combined annual payment volume to >$130 billion; management expects identifiable cost and revenue synergies and improved free cash flow profile.
RPAY Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
RPAY Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
May 04, 2026 | $4.00 | $3.57 | -10.75% |
Mar 09, 2026 | $2.81 | $3.04 | +8.19% |
Nov 10, 2025 | $3.74 | $3.79 | +1.34% |
Aug 11, 2025 | $5.36 | $5.35 | -0.19% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Repay Holdings Corp (RPAY) report earnings?
Repay Holdings Corp (RPAY) is schdueled to report earning on Aug 12, 2026, After Close (Confirmed).
What is Repay Holdings Corp (RPAY) earnings time?
Repay Holdings Corp (RPAY) earnings time is at Aug 12, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
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What is RPAY EPS forecast?
RPAY EPS forecast for the fiscal quarter 2026 (Q2) is 0.21.