Repay Holdings Corp. Class A (RPAY)

Repay Holdings Corp.'s stock price decreased after announcing its 2024 financial results and initiating a review of strategic alternatives. In the first quarter of 2025, the company reported an EPS of negative $0.09, missing the forecasted $0.22, and revenue of $77.3 million, falling short of the $83.92 million expected. In the second quarter of 2025, revenue increased by 1% year-over-year, reaching $75.6 million, slightly surpassing expectations, but gross profit declined by 2% year-over-year. The company maintained strong adjusted EBITDA margins of 42% and achieved a 71% free cash flow conversion and repurchased 7.9 million shares year-to-date for $38 million. Repay also announced it would host a conference call to discuss its third-quarter 2025 financial results on November 10, 2025.

Repay Holdings Corp. experiences seasonal fluctuations in payment volumes and revenues, influenced by consumer spending patterns. Volumes and revenues typically increase in the first quarter due to tax refunds, leading to increased repayment activity. The company's business model is sensitive to macroeconomic shifts and changes in consumer spending habits.

Repay Holdings Corp. is a payments technology company offering integrated payment processing solutions. It provides debit and credit card processing, ACH processing, instant funding, AP automation, virtual credit cards, and loan disbursement solutions. The company serves various vertical markets, including personal loans, automotive loans, receivables management, B2B transactions, education, field services, governments, healthcare, HOA management, and hospitality. Repay's platform aims to simplify electronic payments for its clients.

Repay Holdings Corp. is headquartered in Atlanta, Georgia, United States. The company intends to expand its Canadian operations, focusing on growing its geographic presence in new territories.

No specific events directly impacting Repay Holdings Corp.'s brand reputation were prominently reported in the past year. The company acknowledges risks such as unauthorized data disclosure, potentially leading to liability and reputational damage. Repay emphasizes adherence to industry security standards, including regular network scans and security awareness training.

Repay Holdings Corporation is a publicly traded company listed on Nasdaq. As of October 2, 2025, there were 369 institutional owners and shareholders holding 98,322,533 shares. Major institutional owners include BlackRock, Inc., American Century Companies Inc., Vanguard Group Inc., Dimensional Fund Advisors Lp, Private Management Group Inc., and Bamco Inc /ny/. Approximately 82.73% of Repay's stock is owned by institutional investors.