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Mar 31, 2021

Repay Q1 2021 Earnings Report

Reported a strong first quarter with significant growth in card payment volume and gross profit, driven by solid performance across all businesses.

Key Takeaways

REPAY reported a 20% increase in total revenue, reaching $47.5 million, and a 22% increase in gross profit, amounting to $35.0 million. Adjusted EBITDA grew by 18% to $20.5 million. The company also updated its full year 2021 outlook, projecting card payment volume between $19.9 and $20.4 billion and total revenue between $210 and $220 million.

Card payment volume increased by 20% year-over-year, reaching $4.6 billion.

Total revenue grew by 20% compared to the first quarter of 2020, totaling $47.5 million.

Gross profit increased by 22% year-over-year, amounting to $35.0 million.

Adjusted EBITDA increased by 18% to $20.5 million.

Total Revenue
$47.5M
Previous year: $39.5M
+20.4%
EPS
$0.18
Previous year: $0.17
+5.9%
Adjusted EBITDA
$20.5M
Previous year: $17.4M
+17.9%
Gross Profit
$35M
Previous year: $28.7M
+22.0%
Cash and Equivalents
$391M
Free Cash Flow
$4.13M
Total Assets
$1.41B

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Forward Guidance

REPAY expects the following financial results for full year 2021, which reflects the assumption that the BillingTree acquisition closes by the end of the second quarter 2021, and replaces previously provided guidance.

Positive Outlook

  • Card Payment Volume $19.9 - 20.4 billion
  • Total Revenue $210 - 220 million
  • Gross Profit $159 - 165 million
  • Adjusted EBITDA $91 - 96 million

Challenges Ahead

  • This range assumes no further unforeseen COVID-related impacts, which could create substantial economic duress in 2021.