The earnings call reflected a challenging quarter with declines in revenue and profitability due to client losses and macroeconomic uncertainties. However, the company demonstrated resilience and growth in specific segments, such as Business Payments and Instant Funding, and is optimistic about future growth driven by new partnerships and strategic investments.

Company Guidance -

Q2 2025

During the first quarter of 2025, REPAY reported gross profit and adjusted EBITDA declines of approximately 5% and 7% year-over-year, respectively, with the adjusted EBITDA margin standing at 43%. The drop in gross profit was attributed to client losses in 2024 and strategic technology migrations. Excluding these impacts, gross profit growth would have been in the low single digits. The consumer payments segment experienced a gross profit decline of 5%, while the business payments segment saw a 7% increase in gross profit, which normalized to 12% when excluding political media contributions from Q1 2024. Reported free cash flow conversion was negative, impacted by a $16 million working capital reversal and client losses, but would have been similar to the 38% conversion rate from Q1 2024 without these factors. The company forecasts a sequential increase in gross profit growth, aiming for high single-digit to low double-digit growth by Q4 2025, with free cash flow conversion expected to exceed 50% in Q2 and accelerate above 60% by year-end, excluding one-time impacts.

Strong Business Payments Segment Growth

Business Payments segment reported a gross profit increase of 7% year-over-year. When excluding political media contributions in Q1 2024, the growth accelerated to approximately 12%.

Instant Funding Product Success

Instant Funding product achieved a 19% year-over-year increase in transaction volumes, demonstrating robust growth and potential for further revenue enhancement.

New Partnerships and Client Onboarding

REPAY signed two new software partnerships in the Consumer Payments segment, bringing the total to 182, and onboarded 14 new credit unions, increasing the total to 343.

Positive Outlook for Second Half of 2025

Confidence in sequential quarterly normalized gross profit growth, with expectations of high single-digit to low double-digit growth in Q4 2025.

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
Aug 11, 2025	2025 (Q2)	0.20 / -	0.22	―	―	―
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)
May 10, 2023	2023 (Q1)	0.20 / 0.20	0.19	5.26% (+0.01)

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 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%
Aug 08, 2024	$9.07	$8.15	-10.14%

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 (RPAY) report earnings?

Repay Holdings (RPAY) is schdueled to report earning on Aug 11, 2025, After Close (Confirmed).

What is Repay Holdings (RPAY) earnings time?

Repay Holdings (RPAY) earnings time is at Aug 11, 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 (Q2) is 0.2.

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