Repay Holdings (RPAY) Company Report

Fintech platform Worth achieved a record-breaking year in 2025, enabling financial institutions to reduce application abandonment by 43%, increase application approval by 37%, and shorten time to revenue by 55%.
In 2025, Worth expanded its team by over 50% and enhanced its product offerings with the launch of Case Management 2.0, an AI-powered system designed to streamline underwriting and risk operations.
Worth significantly expanded its market footprint across payments, fintech, healthcare, and financial services, welcoming new enterprise customers and receiving industry recognition, including being shortlisted for the U.S. Fintech Awards.

Jan 6, 2026, 2:05 PM

Repay Holdings Corp Reports Q3 2025 Financial Results and Refines Q4 Outlook

RPAY

Earnings

Guidance Update

Share Buyback

REPAY reported Q3 2025 revenue of $77.7 million and a net loss of $(6.6) million. The company's Adjusted EBITDA for the quarter was $31.2 million, with Free Cash Flow of $20.8 million and a Free Cash Flow Conversion of 67%.
During Q3 2025, REPAY retired $73.5 million of convertible notes and repurchased $15.6 million of outstanding shares.
Reported revenue and gross profit for Q3 2025 declined 2% and 6% year-over-year, respectively, due to previously announced client losses and impacts from political media spending. However, normalized revenue and gross profit growth increased 5% and 1% year-over-year.
For Q4 2025, REPAY is refining its financial outlook, expecting 6% - 8% normalized gross profit growth and Free Cash Flow Conversion to be above 50%.

Nov 10, 2025, 9:08 PM

REPAY Reports Q3 2025 Financial Results and Refines 2025 Outlook

RPAY

Earnings

Guidance Update

Share Buyback

REPAY reported Q3 2025 revenue of $77.7 million and a net loss of $6.6 million, with Adjusted EBITDA of $31.2 million and Free Cash Flow of $20.8 million.
During Q3 2025, the company retired $73.5 million of convertible notes and repurchased $15.6 million of outstanding shares.
For Q4 2025, REPAY is refining its outlook, now expecting 6% - 8% normalized gross profit growth and Free Cash Flow Conversion to be above 50%.
Reported revenue and gross profit for Q3 2025 declined 2% and 6% year-over-year, respectively, primarily due to previously announced client losses and political media spending impacts.
The Consumer Payments segment revenue grew 4% year-over-year to $71.72 million in Q3 2025, while the Business Payments segment revenue declined 21% to $12.01 million.