Repay Holdings (FRA:0YR) Retained Earnings: €-519.4 Mil (As of Mar. 2026)


FRA:0YR Repay Holdings Corp FRA:0YR
66 GF Score
Price €3.04
GF Value €7.89
! 3 Warning Signs
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What is Repay Holdings Retained Earnings?

Repay Holdings FRA:0YR +10.95% 66 Retained Earnings is €-519.4 Mil as of Mar. 2026. GuruFocus rates FRA:0YR with a GF Score™ of 66/100 and a GF Value™ of €7.89. The stock has 3 warning signs investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Repay Holdings's retained earnings for the quarter that ended in Mar. 2026 was €-519.4 Mil.

Repay Holdings's quarterly retained earnings declined from Sep. 2025 (€-383.8 Mil) to Dec. 2025 (€-504.3 Mil) and declined from Dec. 2025 (€-504.3 Mil) to Mar. 2026 (€-519.4 Mil).

Repay Holdings's annual retained earnings declined from Dec. 2023 (€-296.8 Mil) to Dec. 2024 (€-318.8 Mil) and declined from Dec. 2024 (€-318.8 Mil) to Dec. 2025 (€-504.3 Mil).


Repay Holdings  (FRA:0YR) Retained Earnings Explanation

Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.

For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.

If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.

Of course, many companies with negative retained earnings have indeed lost money in the past.

Retained Earnings: Warren Buffett's Secret.

One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.

If the company loses more than it has accumulated, retained earnings is negative.

If a company isn't adding to its retained earnings, it isn't growing its net worth.

Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.

Microsoft is negative because it chose to buyback stock and pay dividends.

The more earnings retained, the faster it grows and increases growth rate for future earnings.


Repay Holdings Retained Earnings Historical Data

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The historical data trend for Repay Holdings's Retained Earnings can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Repay Holdings Retained Earnings Chart

Repay Holdings Annual Data
Trend Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Retained Earnings
Get a 7-Day Free Trial Premium Member Only -200.02 -201.24 -296.81 -318.80 -504.33

Repay Holdings Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Retained Earnings Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -316.14 -384.97 -383.77 -504.33 -519.42
FRA:0YR
66GF Score
Repay Holdings Corp FRA:0YR
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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Repay Holdings Retained Earnings Calculation

Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.

Of course, if a company loses, it is called retained losses, or accumulated losses.

Frequently Asked Questions Learn more about Retained Earnings →
What does a Retained Earnings of €-519.4 Mil mean?
Repay Holdings (FRA:0YR) has a Retained Earnings of €-519.4 Mil as of Mar. 2026. Retained earnings is the amount of net income not issued to shareholders. View historical data on Repay Holdings and its competitors.
Is Repay Holdings' Retained Earnings too high?
Repay Holdings' current Retained Earnings is €-519.4 Mil. Overall, Repay Holdings has a GF Score™ of 66/100, reflecting its overall financial health beyond just this single metric.
How does Repay Holdings' Retained Earnings compare to ARQQ and TLS?
Repay Holdings' Retained Earnings of €-519.4 Mil can be compared against companies in the Software industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Retained Earnings for a Software company?
A good Retained Earnings depends on the Software industry context. However, Retained Earnings should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on Repay Holdings and its competitors. Repay Holdings's current Retained Earnings is €-519.4 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Repay Holdings stock overvalued right now?
Repay Holdings (FRA:0YR) has a current Retained Earnings of €-519.4 Mil. The stock's GF Value™ is €7.89, compared to a current price of €3.04 — trading 61.5% below its estimated fair value. The current Retained Earnings is €-519.4 Mil. Repay Holdings' overall GF Score™ is 66/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For Repay Holdings (FRA:0YR), the current Retained Earnings is €-519.4 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Repay Holdings (FRA:0YR) Overvalued in 2026?

Based on GuruFocus' analysis, Repay Holdings stock appears to be undervalued. The current stock price of €3.04 is trading 61.5% below its estimated GF Value™ of €7.89.

Key valuation signals for FRA:0YR:

  • Retained Earnings: €-519.4 Mil
  • GF Value™: €7.89 vs. price of €3.04 (61.5% below fair value)
  • GF Score™: 66/100 with 3 warning signs

No single metric tells the full story. See the FRA:0YR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Repay Holdings Business Description

Other Exchanges RPAY:USA
Address 3060 Peachtree Road NW, Suite 1100, Atlanta, GA, USA, 30305
Repay Holdings Corp is a payments technology company. It provides integrated payment processing solutions to industry-oriented vertical markets in which businesses or other organizations have specific transaction processing needs. It allows customers to pay through Mobile App, Text, Interactive Voice Response, Virtual Terminal, Hosted Payment Page and Online Customer Portal among others. It operates in two segments Consumer Payments and Business Payments. The company generates majority of its revenue from Consumer Payments segment.
66GF Score

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Retained Earnings is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€3.04
Price
€7.89
GF Value