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    Alexander Neumann • Stephens Inc.

    Alex Neumann is a Research Associate at Stephens Inc., specializing in equity research for the Financial Technology (FinTech) industry, with a focus on the payment and bank technology sectors. He covers leading FinTech companies and leverages experience gained as an equity research associate at Northcoast Research, where he also specialized in the FinTech space. Neumann joined Stephens in 2022 following roles at Northcoast Research, and he holds both a bachelor’s degree in finance and a master’s in economics from Kent State University. His professional credentials emphasize academic achievement in finance and economics, though no specific FINRA or securities licenses or performance metrics are publicly listed.

    Alexander Neumann's questions to Repay Holdings Corp (RPAY) leadership

    Alexander Neumann's questions to Repay Holdings Corp (RPAY) leadership • Q1 2025

    Question

    Alexander Neumann of Stephens Inc. inquired about any recent underwriting trends observed within REPAY's consumer end markets and the potential impact on payment volumes and penetration rates.

    Answer

    CEO John Morris reiterated that the company is not seeing any specific changes in underwriting trends from Q1 into Q2. He pointed to the company's positive outlook for accelerating growth in the second half of the year, driven by new client wins, implementations, and lapping prior client losses, as a sign of underlying business health.

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    Alexander Neumann's questions to Repay Holdings Corp (RPAY) leadership • Q3 2024

    Question

    Alexander Neumann inquired about the drivers behind the 24% growth in instant funding and its revenue contribution to Consumer Payments. He also asked about the company's current M&A strategy, valuation environment, and potential areas of interest.

    Answer

    CEO John Morris attributed instant funding growth to its use in personal loan funding via Visa Direct and Mastercard Send, noting a healthy pipeline despite lapping a large client win. CFO Tim Murphy added that non-card products are about 20% of total revenue, with significant upside as less than 10% of personal lenders currently use the instant funding product. On M&A, John Morris noted increased market activity and normalizing valuations, with a focus on embedded payments. Tim Murphy reiterated a balanced capital allocation strategy focused on organic growth, tuck-in M&A, and share buybacks while managing leverage.

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