Repayment Holdings Corp (RPay) Q1 2025 earnings call Highlights: navigating challenges with …

• Revenue: 77.3 million US dollars, a 4% decline compared to the previous year.

• Gross profit: Removement by 5% compared to the previous year.

• Consumer payments gross profit: Fell by 5% in the second quarter.

• Business payments gross profit: Rose by 77%compared to the previous year; 12% growth without contributions to political media.

• Adapted EBITDA: 33.2 million US dollars with a margin of 43%.

• Adapted net income: USD 20.3 million or USD 0.22 per share.

• Free Cashflow: Reported negative $ 8 million; affected by $ 16 million due to time and customer losses.

• Cash and liquidity: 165 million US dollars in cash, 250 million US dollars without fate revolver, a total of 415 million US dollars of liquidity.

• Debts: Total debts of $ 507.5 million; Use about 2.5 times.

• Immediate financing transaction volume: Rose by about 19% compared to the year.

• Credit union customers: Increased to 343 customers.

Appearance date: May 12, 2025

You can find the complete copy of the earnings call in the complete earnings call.

• Repayment Holdings Corp (Nasdaq: RPay) in the first quarter of 2025 a strongly adapted EBITDA margins of 43%.

• The company signed two new software partnerships and increased all of its software partners to 182.

• RPAY's instant financing product rose by about 19%compared to the previous year.

• The business payments segment reported a gross increase of 12% compared to the previous year, except for the effects on political media.

• RPAY announced an increased approval of the share buyback program to 75 million US dollars, which indicates the trust in its evaluation.

• The reported sales for the first quarter of 2025 decreased by 4% compared to the previous year.

• The gross profit of consumer payments decreased by 5% in the first quarter of 2025.

• The Free Cashflow was negative of 8 million US dollars for the first quarter of 2025, affected by customer losses and networking capital problems.

• Due to customer losses, the company was at a distance of 600 basis points for consumer payments.

• Economic unpredictability and macro uncertainties could possibly affect consumer expenses and at short notice growth.

Q: Can you specify an additional color for what you see in the area for consumer expenses, especially from a loan view? A: John Morris, CEO: To date, we have seen resilience in non -discretionary consumer expenditure. In our view, we see no significant effects on general payment processing in connection with macroeconomic factors that affect consumers.

Q: In view of your increased return purchases of 25 million US dollars, do you plan to continue to lean into them instead of in M&A? A: John Morris, CEO: We will buy the stocks opportunistic if we believe that our share price is separated from our long -term intrinsic value. Tim Murphy, CFO: Our priorities of capital allocation continues to focus on organic growth, the implementation of return purchases and the maintenance of liquidity for convertible bonds in 2026 with Tuck-in-M & A as a secondary priority.