The earnings call highlighted REPAY's efforts to reaccelerate growth with improvements in revenue, strong adjusted EBITDA margins, and increased free cash flow conversion. However, challenges remain in the Business Payments segment with a decline in gross profit and softness in the AR client base. The company is optimistic about future growth with strategic investments and a strong supplier network.

Company Guidance -

Q3 2025

During REPAY's Second Quarter 2025 Earnings Conference Call, the company provided guidance indicating a positive outlook for the remainder of the year. They reported a year-over-year revenue increase of 1% for Q2 2025, despite a 2% decline in gross profit, impacted by client losses and political media contributions from 2024. Adjusted EBITDA margins remained robust at 42%, with free cash flow conversion improving to 71%. For the second half of 2025, REPAY anticipates high-single digit to low-double digit normalized gross profit growth, with an acceleration in free cash flow conversion above 60% by Q4. The company emphasized its strategic focus on organic growth, managing capital expenditures, and potential strategic M&A activities, while also planning to address its $220 million convertible notes due in 2026. REPAY has also been actively repurchasing shares, buying back 7.9 million shares for $38 million year-to-date. The company is optimistic about its Consumer and Business Payments segments and expects growth to continue as they move into 2026.

Sequential Improvement in Revenue

REPAY reported a 1% year-over-year increase in revenue for Q2 2025, demonstrating a sequential improvement in growth.

Strong Adjusted EBITDA Margins

The company maintained strong adjusted EBITDA margins of 42% during the quarter, while also investing in organic growth opportunities.

Increased Free Cash Flow Conversion

Q2 reported free cash flow conversion improved to 71%, indicating solid cash generation capabilities.

Expansion in Consumer Payments

REPAY onboarded several new clients in the financial institution vertical, including 10 new credit union wins, increasing its total credit union client base to 353.

Share Repurchase Program

During Q2, REPAY repurchased approximately 5% of its outstanding shares, totaling $38 million.

New CFO Appointment

REPAY announced the appointment of Robert Houser as the new Chief Financial Officer, bringing over a decade of experience in the payment industry.

Strong Supplier Network Growth

The supplier network grew 47% year-over-year to over 440,000 suppliers, enhancing B2B capabilities.

Repay Holdings (RPAY) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

RPAY Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Nov 05, 2025	2025 (Q3)	0.21 / -	0.222	―	―	―
Aug 11, 2025	2025 (Q2)	0.20 / 0.20	0.22	-9.09% (-0.02)
May 12, 2025	2025 (Q1)	0.22 / 0.22	0.23	-4.35% (-0.01)
Mar 03, 2025	2024 (Q4)	0.25 / 0.24	0.27	-11.11% (-0.03)
Nov 12, 2024	2024 (Q3)	0.23 / 0.22	0.21	5.71% (+0.01)
Aug 08, 2024	2024 (Q2)	0.22 / 0.22	0.19	15.79% (+0.03)
May 09, 2024	2024 (Q1)	0.22 / 0.23	0.2	15.00% (+0.03)
Feb 29, 2024	2023 (Q4)	0.21 / 0.27	0.23	17.39% (+0.04)
Nov 09, 2023	2023 (Q3)	0.21 / 0.21	0.24	-12.50% (-0.03)
Aug 09, 2023	2023 (Q2)	0.19 / 0.19	0.17	11.76% (+0.02)

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
Aug 11, 2025	$5.36	$5.35	-0.19%
May 12, 2025	$4.04	$3.95	-2.23%
Mar 03, 2025	$7.12	$6.11	-14.19%
Nov 12, 2024	$8.79	$8.67	-1.37%

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 Nov 05, 2025, After Close (Confirmed).

What is Repay Holdings Corp (RPAY) earnings time?

Repay Holdings Corp (RPAY) earnings time is at Nov 05, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is RPAY EPS forecast?

RPAY EPS forecast for the fiscal quarter 2025 (Q3) is 0.21.

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