RPAY - NASDAQ
Repay Holdings Corporation
$3.65
-7.1%Repay Holdings Corporation provides integrated payment processing solutions to industry-oriented markets. The company's payment processing solutions enable consumers and businesses to make payments using electronic payment methods. It also offers a range of solutions relating to electronic payment methods, including credit and debit processing, virtual credit card processing, automated clearing house (ACH) processing, enhanced ACH processing, and instant funding that are processed through its proprietary payment channels, such as Web-based, mobile application, text-to-pay, interactive voice response, and point of sale. In addition, the company provides payment processing solutions to customers primarily operating in the personal loans, automotive loans, receivables management, and business-to-business verticals. It sells its products through direct sales representatives and software integration partners. The company was founded in 2006 and is headquartered in Atlanta, Georgia.
At a Glance
Live SnapshotRepay Holdings Corporation Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Negative free cash flow despite positive earnings raises concerns about cash generation ability or heavy capital requirements.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Declining FCF warrants attention. Investigate whether due to temporary factors or fundamental deterioration.
Working Capital Impact
Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.
Repay Holdings Corporation Cash Flow Statement
RPAY • NASDAQ
| Repay Holdings Corporation Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||
-271.1M | -10.3M | -117.4M | 8.7M | -56M | -117.4M | -40M | 1.5M | 9.4M | -511.7K | |
102M | 103.7M | 103.9M | 107.8M | 89.7M | 60.8M | 30M | 10.4M | 7.5M | 3.7M | |
7.1M | 12.1M | 3M | -62.7M | -16.6M | 81K | -5M | 0.0 | 5.1K | 0.0 | |
18.3M | 24.4M | 22.2M | 20.3M | 22.3M | 19.4M | 22.9M | 797K | 622.4K | 136.7K | |
244.7M | -10.1M | 88.9M | -1M | 24.3M | 65.7M | -12.8M | -2.7M | 993.1K | 696.2K | |
(1.8M) | (2.8M) | (1.3M) | (31K) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | |
-10M | 30.4M | 3.1M | 1.2M | -10.4M | -143K | 26.3M | 190.1K | 2.6M | -1.2M | |
91.1M | 150.1M | 103.6M | 74.2M | 53.3M | 28.5M | 21.3M | -961.1K | 21.1M | 2.8M | |
INVESTING ACTIVITIES | ||||||||||
-286K | -989K | -733K | -3.2M | -2.9M | -994K | -7.9M | -5.8M | -3.4M | -319.9K | |
(0.0) | (0.0) | (40.3M) | (0.0) | -373.8M | -121.7M | -331.2M | (0.0) | (0.0) | -60.5M | |
(0.0) | (0.0) | (0.0) | (0.0) | -2.5M | (0.0) | (0.0) | -260.6M | (0.0) | (0.0) | |
-41.7M | -43.9M | -63.6M | -36.4M | -18.1M | -23.3M | 0.0 | -4.9M | -3M | -1.7M | |
-42M | -44.9M | -24.1M | -39.5M | -397.3M | -146M | -339.1M | -260.6M | -3.4M | -62.4M | |
FINANCING ACTIVITIES | ||||||||||
-38.5M | -41.5M | -2.5M | -10M | 138.1M | 508.5M | 240.7M | 0.0 | -10M | 0.0 | |
-72M | 82.4M | -20M | 0.0 | 197.3M | 43.7M | 123.2M | -1.9M | 8.5M | -1.8M | |
(0.0) | -2.3M | -3.5M | -951K | -62K | -1.5M | -6.9M | -6.3M | -5.5M | -6.3M | |
-38.5M | -41.5M | -2.5M | -10M | -4M | -1.4M | -43.2M | (0.0) | -10M | (0.0) | |
-19.7M | -51.1M | -2.9M | -6.5M | -21.5M | -364.6M | -6.3M | 0.0 | -2M | 74.1M | |
-130.2M | -12.7M | -28.9M | -17.5M | 313.8M | 186.1M | 350.7M | 261.6M | -9M | 66M | |
CASH FLOW SUMMARY | ||||||||||
892K | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
-80.2M | 92.6M | 50.6M | 17.2M | -30.2M | 68.6M | 11.3M | 83K | 8.7M | 6.3M | |
225.2M | 144.1M | 93.6M | 76.3M | 106.5M | 37.9M | 13.3M | 25.8K | 4.4M | 6.7M | |
145M | 236.7M | 144.1M | 93.6M | 76.3M | 106.5M | 24.6M | 108.8K | 13.1M | 13.1M | |
91.1M | 105.2M | 39.3M | 34.7M | 29.8M | 4.2M | 13.4M | -6.8M | 17.7M | 2.5M |
SEC Filings
RPAY - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
8-K 8-K 2026 N/A | June 01, 2026 | June 01, 2026 | 2026 | |
10-Q 10-Q 2026 Q1 Q1 | May 04, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 04, 2026 | May 04, 2026 | 2026 | |
10-K/A 10-K/A 2025 FY (Amended) FY | April 30, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | April 27, 2026 | April 27, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 14, 2026 | April 13, 2026 | 2026 | |
8-K 8-K 2026 N/A | March 31, 2026 | March 30, 2026 | 2026 | |
10-K 10-K 2025 FY FY | March 09, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | March 09, 2026 | March 09, 2026 | 2026 | |
8-K 8-K 2026 N/A | February 25, 2026 | February 19, 2026 | 2026 |
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