Repay Holdings Corp (RPAY)
NASDAQ:RPAY
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Earnings Data
Report Date
May 13, 2026After Close (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
0.21Last Year’s EPS
0.22Same Quarter Last Year
Moderate Buy
Based on 5 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call emphasized improving momentum with solid normalized revenue growth, strong adjusted EBITDA margins (~41%) and meaningful Business Payments acceleration (Q4 normalized revenue +41%, gross profit +73%). Product and AI investments, partner expansion and a constructive 2026 guide (10–12% reported growth, ~40% adjusted EBITDA margin, >45% FCF conversion target) are positive. Material negatives include a large $138.9M goodwill impairment that depressed reported earnings, increased pro forma leverage after a $110M revolver draw, and near-term implementation timing headwinds that may pressure Q1. On balance, the company’s strong adjusted financial performance, clear operational improvements and confident guidance outweigh the short-term and noncash negatives, but leverage and implementation timing are risks to monitor.Company Guidance
Normalized Q4 Revenue and Gross Profit Growth
Q4 2025 normalized revenue growth of 10% year-over-year and normalized gross profit growth of 9% YoY (excludes 2024 political media contributions); reported revenue was $78.6M and reported gross profit was $58.3M.
Strong Profitability and Cash Generation
Q4 adjusted EBITDA of $32.4M representing ~41% adjusted EBITDA margin; Q4 free cash flow of $13.8M with 43% free cash flow conversion. Company targets >45% free cash flow conversion for 2026.
Robust Business Payments Momentum
Business Payments normalized Q4 revenue up ~41% and gross profit up ~73% YoY; supplier network expanded to 602,000 suppliers (over 65% YoY increase, ~240,000 suppliers added during 2025) and 105 embedded software partners at quarter end.
Consumer Payments Growth and Partner Expansion
Consumer Payments Q4 revenue +8% and gross profit +6% YoY; expanded consumer software partnerships to 189 and exited 2025 with over 294 total partners; highlighted new integrations (e.g., Emotive) and ongoing client implementations to drive volume capture.
Product, Technology and AI Advancements
Rolled out new capabilities (dynamic Wallet), piloted Repay Voice (IVR voice AI), and deployed AI/middleware to reduce integration/onboarding times and lower costs; recognized by Strawhecker Group for best gateway uptime (2026) and top weekly authorization rates (2025).
Confident 2026 Outlook and Capital Priorities
2026 guidance: revenue $340–$346M (10–12% reported growth; ~7–9% normalized), adjusted EBITDA $136.5–$141.5M (~40% margin), interest expense ~ $15M, political media expected to add $8–$10M in revenue; capital priorities include organic investments, M&A, targeted CapEx, share repurchases (≈$23M remaining) and optional debt reduction.
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 |
|---|---|---|---|
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% |
May 12, 2025 | $4.04 | $3.95 | -2.23% |
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 May 13, 2026, After Close (Confirmed).
What is Repay Holdings Corp (RPAY) earnings time?
Repay Holdings Corp (RPAY) earnings time is at May 13, 2026, After Close (Confirmed).
Where can I see when companies are reporting earnings?
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What companies are reporting earnings today?
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What is RPAY EPS forecast?
RPAY EPS forecast for the fiscal quarter 2026 (Q1) is 0.21.