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Sep 30, 2025
Repay Q3 2025 Earnings Report
Repay reported a net loss of $6.6 million in Q3 2025 as revenue slightly declined year-over-year amid client losses and the absence of political media spending boosts seen in 2024.
Key Takeaways
Repay posted Q3 2025 results showing a modest revenue dip and a net loss, while normalized growth metrics were positive. Strategic reductions in debt and share repurchases marked notable financial activities in the quarter.
Revenue for Q3 2025 was $77.7 million, down 2% YoY.
Reported net loss of $6.6 million, compared to $3.2 million net income in Q3 2024.
Free Cash Flow was $20.8 million, with 67% conversion rate.
Normalized revenue and gross profit growth increased 5% and 1% YoY respectively.
Revenue by Segment
Forward Guidance
REPAY expects normalized gross profit growth of 6% to 8% in Q4 2025 and Free Cash Flow Conversion above 50%.
Positive Outlook
- Sustained free cash flow generation expected.
- Q4 normalized gross profit growth projected at 6%–8%.
- Ongoing cost control initiatives support margin stability.
- Capital return via share repurchases likely to continue.
- Consumer and business verticals continue to drive normalized growth.
Challenges Ahead
- Continued revenue pressure from prior client losses.
- No election-related media tailwinds in Q4.
- Business Payments segment still recovering from past client churn.
- Gross profit margin contracted YoY in Q3.
- Operating income remains negative despite cost controls.
Revenue & Expenses
Visualization of income flow from segment revenue to net income
Historical Earnings Impact
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Avg. Return Before/After Earnings
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