Q2 2025 Repay Holdings Corp Earnings Call Transcript
Key Points
- Repay Holdings Corp (RPAY) reported a sequential improvement in year-over-year growth with a 1% increase in revenue for Q2 2025.
- The company maintained strong adjusted EBITDA margins of 42% during the quarter.
- Repay Holdings Corp (RPAY) achieved a 71% free cash flow conversion, demonstrating solid cash generation.
- The company onboarded several new clients in its financial solution vertical, including 10 new credit union wins.
- Repay Holdings Corp (RPAY) repurchased approximately 5% of its outstanding shares, using $38 million to buy back 7.9 million shares.
- Reported gross profit declined by 2% year-over-year, impacted by client losses and political media contributions.
- The business payment segment experienced a 5% year-over-year decline in reported gross profit.
- There was softness in the accounts receivable client base within the business payment segment.
- The company faced a 10-point headwind in business payments growth due to a client loss in 2024.
- Repay Holdings Corp (RPAY) needs to address $220 million of convertible notes due in February 2026, which may require tapping into its revolver.
Good afternoon. I'd like to welcome everyone to Repay's second quarter 2025 earnings conference call. This call is being recorded today, August 11, 2025. I'd like to turn the session over to Stewart Grisante, Head of Investor Relations at Repay. Stewart, please go ahead.
Thank you. Good afternoon and welcome to Repay's second quarter 2025 earnings conference call. With us today are John Morris, Co-founder and Chief Executive Officer; and Thomas Sullivan, interim CFO and Chief Accounting Officer.
During this call, we will be making forward-looking statements about our beliefs and estimates regarding future events and results. Those forward-looking statements are subject to risk and uncertainties, including those set forth in the SEC filings related to today's results and in our most recent form 10-K.
Actual results may differ materially from forward-looking statements that we make today. Forward-looking statements speak only as of today, and we do not assume any obligation or
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