NASDAQ$RPAY

Repay Holdings Corp · Q3 2025 earnings

Q3 2025 earnings · · After market close · Investor relations

Briefing

Repay Holdings reported Q3 2025, revenue of $77.7M, a net loss of $6.4M.

For Q3 2025, Repay Holdings reported revenue of $77.7M, a net loss of $6.4M. Management discusses operating trends, liquidity, and strategic priorities as disclosed in the quarterly filing.

  • Revenue $77.7M.
  • Net loss $6.4M.
  • Repay Holdings updated clinical, capital, or portfolio priorities in the filing.

Headline financials

Total Revenue

$77.7M

Previous: $79.1M-1.8%
EPS (adj)

$0.21

Previous: $0.03+600.0%
Adjusted EBITDA

$31.2M

No prior period
Free Cash Flow Conversion

67.0%

No prior period
Normalized GP Growth

1.0%

No prior period
Consumer Normalized GP Growth

1.0%

No prior period
Business Normalized GP Growth

12.0%

No prior period
Software Relationships

291

No prior period
AP Supplier Network

524.0K

No prior period
Capital Expenditures

-$199K

Previous: -$782K+74.6%
Net Income

-$6.41M

Previous: $3.24M-297.8%
Operating Income

-$3.01M

Previous: -$675K-345.8%
Gross Profit

$57.8M

Previous: $61.6M-6.1%

Revenue & EPS history

Repay · Revenue · Quarterly

$77.7M

Q3 2025-1.8%vs Q3 2024
Beat estimate in 10 of 14 quarters(71%)
ActualEstimate

Revenue by segment

Repay · $78.4M total across 2 segments · Q3 2023

  • Consumer Payments
    $68.7M
  • Business Payments
    $9.7M

Forward guidance

Management discusses Repay Holdings's outlook, capital deployment, and key risks as disclosed in the earnings materials and periodic report.

Tailwinds

  • Repay Holdings cited progress on strategic priorities in the quarterly filing.
  • Liquidity and balance sheet support continued operations and investment.

Headwinds

  • GAAP profitability remained under pressure in the reported quarter.
  • Macro, competitive, and regulatory factors may affect near-term results.
  • R&D, credit, or project timing can create quarter-to-quarter volatility.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q3 2025

Historical avgQ3 2025

+0.3%

Avg return

Earnings day

-0.2%

Avg return

5 days after

+3.0%

Avg return

30 days after

53%

16 / 30 earnings

Positive

+33.9%

Q3 2022

Best reaction

-24.6%

Q2 2022

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+10.4%+5.5%+2.5%
Q4 2025+7.9%-5.0%+1.8%
Q3 2025+1.3%-4.5%-7.2%
Q1 2025-2.0%+1.5%+23.8%
Q4 2024-14.2%-17.6%-25.1%
Q3 2024-3.7%-12.8%-9.4%
Q2 2024-5.9%-6.5%-7.4%
Q1 2024-5.8%-4.4%-6.5%
Q4 2023+15.8%+10.4%+28.8%
Q3 2023+3.2%+16.2%+20.5%
Q2 2023+4.2%+4.7%-3.6%
Q1 2023+6.0%+16.4%+13.8%
Q4 2022-8.8%-5.7%-22.5%
Q3 2022+33.9%+52.5%+64.7%
Q2 2022-24.6%-19.1%-31.9%
Q1 2022-21.4%-18.3%-3.0%
Q4 2021-2.7%-8.9%-14.5%
Q3 2021+8.8%+7.0%-3.2%
Q2 2021-4.4%-6.4%-4.8%
Q1 2021+1.3%+7.6%+10.3%
Q4 2020+14.7%+5.3%+7.7%
Q3 2020-9.7%-11.5%-7.8%
Q2 2020+0.3%-5.0%-2.0%
Q1 2020+2.1%+11.4%+43.3%
Q4 2019-5.0%-28.1%-6.1%
Q3 2019+6.1%+7.6%+13.3%
Q2 2019-0.2%+0.9%+13.7%
Q1 2019-0.3%-0.4%+0.3%
Q4 2018+0.3%+0.2%+0.7%
Q2 2018+0.7%+0.7%+1.2%
Q1 2018
Q4 2017

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