The earnings call highlights several positive developments, including revenue growth, strong free cash flow, and expansion of software partnerships. However, challenges such as client losses impacting growth, margin compression, and lower political media contributions present notable concerns. The sentiment is balanced with significant positive trends countered by ongoing challenges.

Company Guidance

During Repay's Third Quarter 2025 Earnings Conference Call, the company highlighted significant financial metrics, showcasing a robust performance and strategic progress. Repay achieved a 5% revenue growth and 1% gross profit growth on a normalized year-over-year basis, excluding prior political media contributions. Adjusted EBITDA margins remained strong at 40%, with a free cash flow conversion rate of 67%. The company reported a gross profit of $57.8 million, with a revenue of $77.7 million. Despite a 3.4% year-over-year compression in gross profit margins due to client volume discounts and increased transaction values, the business payments segment experienced a 12% growth. Repay's supplier network expanded to 524,000, reflecting a 60% year-over-year increase, driven by strategic partnerships and enhanced ACH offerings. The company also repurchased 3% of its outstanding shares in August and reduced outstanding debt by retiring $73.5 million of 2026 convertible notes at a discount. Looking ahead, Repay anticipates a 6% to 8% normalized gross profit growth in Q4, with free cash flow conversion expected to be above 50%.

Sequential Improvement in Growth

Repay achieved 5% revenue growth and 1% gross profit growth on a normalized year-over-year basis, with adjusted EBITDA margins remaining robust at 40%.

Strong Free Cash Flow

Repay generated strong free cash flow conversion of 67% while reinvesting into organic growth initiatives.

Expansion of Software Partnerships

The company added five new software partners, bringing the total to 291 across consumer and business payment segments.

Business Payments Segment Growth

Normalized gross profit in the Business Payments segment increased 12% year over year, driven by accounts payable platform and payment monetization initiatives.

Supplier Network Expansion

The supplier network increased to over 524,000 suppliers, growing approximately 60% year over year.

Debt Reduction and Share Repurchase

Repay retired $73.5 million of their 2026 convertible notes at a discount and repurchased approximately 3% of outstanding shares in August.

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
Mar 04, 2026	2025 (Q4)	0.21 / -	0.24	―	―	―
Nov 10, 2025	2025 (Q3)	0.21 / 0.21	0.222	-5.41% (-0.01)
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)

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
Nov 10, 2025	$3.74	$3.79	+1.34%
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%

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 Mar 04, 2026, After Close (Confirmed).

What is Repay Holdings Corp (RPAY) earnings time?

Repay Holdings Corp (RPAY) earnings time is at Mar 04, 2026, 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 (Q4) is 0.21.

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