Repay(NASDAQ) RPAY

Repay Holdings Corporation helps businesses collect and send payments digitally.

It makes paying bills for loans and utilities simpler for consumers.

The company serves specific industries like healthcare and automotive finance.

Moving Money Digitally

• Consumer Payments: End-to-end platform for billing, messaging, and electronic payment processing; generated $93.7 million in revenue for the three months ended June 30, 2026.
• Business Payments: Accounts payable automation and digital payment solutions for business-to-business transactions; generated $14.5 million in revenue for the three months ended June 30, 2026.
• KUBRA Solutions: Bill design and distribution services and automated customer messaging and service notifications for utility and government clients.
• RCS Platform: Proprietary clearing and settlement technology used to market customizable payment programs to other payment facilitators.

Buying Into New Markets

• Completed the acquisition of KUBRA, which contributed approximately $20.8 million in revenue for the three months ended June 30, 2026.
• Merged with Thunder Bridge on July 11, 2019, to become a publicly traded corporation.
• Acquired multiple companies in recent years, including Payix and BillingTree, to expand into new industry sectors.
• Increased the authorized share repurchase program to $75 million on May 8, 2025.

Simple Tools for Complex Industries

Repay integrates its technology directly into the software that businesses already use to manage their operations. This allows consumers to pay bills through many channels, including web portals, mobile apps, text messages, and automated phone systems.

Tracking the Financial Progress

• Revenue reached $100.7 million for the three months ended June 30, 2026, up 33.2% year over year.
• Net loss attributable to the company was $11.0 million for the three months ended June 30, 2026, an 89.3% improvement year over year.
• Adjusted EBITDA was $36.3 million for the three months ended June 30, 2026, up 14.1% year over year.
• Total gross profit margin was 70% for the three months ended June 30, 2026, compared to 76% for the same period in 2025.
• Cash and cash equivalents were $83.7 million as of June 30, 2026.

Bottom Line

Repay has evolved from a small startup into a broad payment technology company through several strategic acquisitions. It focuses on software that helps businesses handle complex payment tasks in specific industries like utilities and personal finance.