REPAY Roars Back with Impressive Q4 2025 Earnings: A Year of Strategic Growth and Momentum
Good afternoon, everyone. REPAY delivered on its promise to improve growth as the company exited 2025, reports John Morris, Co-founder and Chief Executive Officer, during the fourth quarter 2025 earnings conference call.
In Q4, REPAY returned to solid normalized growth while continuing to generate strong profitability and free cash flow, underscoring the progress of REPAY's strategic initiatives and operational improvements. This momentum is expected to continue into 2026 as the company proceeds through the year well-positioned to support and optimize clients' digital payment flows.
The consumer payments segment saw revenue increase by 8% and gross profit by 6% on a normalized year-over-year basis, with REPAY processing more of its clients' total payment volumes and ramping up new clients across the verticals it serves. The company's growth is built on steady payment streams with existing clients, plus incremental contributions from deeper integrations that address pain points in consumer payments verticals.
One notable example of this integration is the newly announced partnership with Emotive Software, an all-in-one automotive finance and compliance platform. This partnership showcases REPAY's focus on building a healthy core consumer bookings pipeline through software partnerships and client implementations to reduce go-live timelines and provide sustainable growth as clients continue to expand.
The business payments segment also saw significant growth in Q4, with normalized revenue increasing by 41% and gross profit by 73% year-over-year, excluding political media contributions during 2024. REPAY's strategic focus on its core AP platform led to many new client wins in the healthcare and hospitality verticals.
In addition, REPAY escalated monetization initiatives like float income, expanded enhanced ACH offerings, and increased TotalPay adoption with both new and existing clients. The company exited Q4 with 602,000 suppliers in its network, a 65% year-over-year increase, and embedded integrations representing 240,000 additional suppliers added during 2025.
As REPAY enters 2026, it is poised to continue its momentum while supporting and optimizing clients' digital payment flows. With its strategic initiatives and operational improvements in place, the company is well-positioned for continued growth and success in the year ahead.
