The Q1 beat and upwardly revised EBITDA guidance confirm improving fundamental trends. Monitor the KUBRA acquisition close (expected Q2) as a catalyst for further revenue and margin expansion. The stock may re-rate on sustained execution and margin improvement.
Price Chart
Executive Summary
Repay Holdings reported Q1 2026 adjusted EPS of $0.22, beating consensus of $0.18 by 22%, on revenue of $80.8M (+4% YoY, largely in line with expectations). The company reiterated its updated 2026 outlook with raised Adjusted EBITDA guidance of $141-146M (from $136.5-141.5M), reflecting improved margin expectations. The combination of a clean earnings beat and an upwardly revised profitability outlook is a positive signal.
Key Financial Metrics
Key Facts
- Q1 2026 revenue $80.8M, up 4% YoY (Consumer Payments +4%, Business Payments +18%)
- GAAP net loss per share ($0.12) vs ($0.09) a year ago, but adjusted EPS (the Street metric) was $0.22 vs consensus $0.18
- Adjusted EBITDA $34.4M, up 4% YoY; full-year 2026 Adj. EBITDA guidance raised to $141-146M (from $136.5-141.5M)
- Free cash flow improved to $5.4M from ($8.0M) in Q1 2025; FCF conversion guidance maintained at 45%
- Company reiterated 2026 revenue guidance of $340-346M (10-12% reported growth) and expects to close the KUBRA acquisition in Q2
Financial Impact
Adjusted EPS beat by 22% ($0.22 vs $0.18), 2026 EBITDA guidance raised by $4.5M at midpoint ($143.5M vs prior $139M), and free cash flow turned positive year-over-year.
Risk Factors
- Pending KUBRA acquisition integration risk and potential delays
- Net leverage of 2.7x remains elevated; debt servicing consumes cash flow
- GAAP net loss widened to $10M due to tax receivable and interest costs; goodwill impairment risk persists
- Consumer Payments growth slowed to 4%; macro headwinds could pressure volumes
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 4 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001193125-26-204004 |
| Document: 0001193125-26-204004-index.html | 0001193125-26-204004 |
| Document: 0001193125-26-204004.txt | 0001193125-26-204004 |
| 8-K Data (Synthetic) | 0001193125-26-204004 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 13, 2026 13d ago | 144 | $4.00 | awaiting T+60 | — | $4.21 (+5.25%) |
Aug 10, 2026 11w ago | 8-K | $3.70 | awaiting T+60 | — | $4.21 (+13.78%) |
Jul 20, 2026 14w ago | 3 | $3.74 $3.95 | ▲ +5.62% | ▲ +1.64% | $4.21 (+12.57%) |
Jun 15, 2026 19w ago | 8-K | $3.28 $3.56 | ▲ +8.54% | ▲ +7.54% | $4.21 (+28.35%) |
May 4, 2026 25w ago | 8-K | $3.57 $3.96 | ▲ +10.92% | ▲ +8.18% | $4.21 (+17.93%) |
Apr 27, 2026 26w ago | 8-K | $4.04 $3.66 | ▼ −9.41% | ▼ −14.18% | $4.21 (+4.21%) |
Apr 14, 2026 27w ago | 8-K | $3.07 $4.06 | ▲ +32.25% | ▲ +23.72% | $4.21 (+37.13%) |
Mar 10, 2026 32w ago | EFFECT | $3.04 $3.65 | ▲ +20.07% | ▲ +8.38% | $4.21 (+38.49%) |
Feb 25, 2026 34w ago | 8-K | $2.95 $3.35 | ▲ +13.56% | ▲ +5.81% | $4.21 (+42.71%) |
US Market Status
Subscribe to SecBot
Get Real-Time SEC Filing Intelligence
Comprehensive SEC filing analysis delivered the moment filings hit EDGAR. Sentiment scoring, impact analysis, and actionable insights for every material event.
Create a free account Live analysis, Telegram alerts, watchlists and the MCP server for subscribers