Repay Holdings Corp. Class A (RPAY)

In August 2025, Repay reported a year-over-year revenue increase of 1% for Q2 2025, maintaining a 42% adjusted EBITDA margin and achieving a 71% free cash flow conversion, but gross profit declined by 2% year-over-year. In November 2025, Q3 results showed stable growth and free cash flow generation, with the company retiring $73.5 million in convertible notes and repurchasing $15.6 million in shares, but the stock declined by 26% despite beating earnings estimates. In December 2025, Repay attended the Northland Growth Conference and the UBS Tech & AI Conference. In January 2026, Repay launched a referral partnership with Gold & Blue Enterprises, and the stock price was $3.51 per share as of January 21, 2026. In February 2026, Repay Holdings' net worth was $0.31 billion, and the company announced it would report its Q4 and full year 2024 results on March 3, 2025.

Repay Holdings Corp. experiences seasonal fluctuations in its volumes and revenues due to consumer spending patterns. Volumes and revenues during the first quarter of the calendar year tend to increase compared to the other three quarters due to consumers receiving tax refunds, which leads to higher repayment activity levels.

Repay Holdings Corp. is a payments technology company offering integrated payment processing solutions in the United States. It operates in the fintech sector, focusing on digital payments and diversified financial services. Repay's services include debit and credit card processing, ACH payments, EBPP platforms, Text Pay, clearing and settlement, vendor payment automation, funding, messaging, and digital wallet services. It serves industries with recurring payments, such as personal loans, automotive loans, receivables management, credit unions, mortgage servicing, consumer healthcare, diversified retail, and SaaS, operating through Consumer Payments and Business Payments segments.

Repay Holdings Corp. primarily operates in the United States, with integrated payment solutions designed for US consumers and businesses. It also serves users in Canada through collaborations. The corporate office is in Atlanta, Georgia, with additional offices in Bettendorf, IA; Chattanooga, TN; Fort Worth, TX; and Lombard, IL.

Repay Holdings aims to provide cutting-edge, dependable, and secure payment technology, focusing on simplifying payments for clients. The company emphasizes innovation, security, and service, receiving recognition such as being named a "Great Place to Work" and receiving TSG's 2025 Real Transaction Metrics Award. Repay also highlights its commitment to corporate sustainability through ESG initiatives. While the company's stock has underperformed, there is no specific information detailing events that have negatively impacted Repay Holdings Corp.'s brand reputation directly in the past year, beyond general market and financial performance discussions. The company continues to focus on improving client experiences to enhance retention.

Repay Holdings Corporation has a diverse shareholder base, with 333 institutional owners holding 93,486,019 shares as of January 21, 2026, representing approximately 50.31% of the company's outstanding shares as of July 22, 2025. Major institutional owners include BlackRock, Inc., American Century Companies Inc., and Vanguard Group Inc. The largest individual shareholder is Beckham Parent LP, owning 10.05 million shares, or 10.11% of the company, as of March 31, 2025.