Filing Flows › Repay Holdings (RPAY) › Q3 2026
Repay Holdings (RPAY) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 9, 2026
Repay Holdings (RPAY) reported revenue of $153M for the third quarter 2026 (Q3 2026), +97% from a year earlier and +52% from the quarter before. Operating margin was 0.1%, net loss $10.4M (6.8% of revenue).
Repay Holdings, Q3 2026: revenue $153M (+97% year over year), operating margin 0.1%, net loss $10.4M, operating cash flow $9.9M. The chart follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $153M | +52% | +97% |
| Operating profit | $103K | — | — |
| Net earnings | −$10.4M | — | — |
| Operating cash flow | $9.9M | -75% | -69% |
| Free cash flow | $9.2M | -76% | -71% |
What changed
Revenue was $153.4M in Q3 2026, up 97% year over year and up 52% from the previous quarter.
Gross margin was 64.9%, down 9.5 points from Q3 2025. Operating profit was $103K, a 0.1% margin (up 3.9 points year over year). Operating expenses grew 63% against revenue growth of 97%. The fastest-growing cost line was SG&A (+78%). The quarter ended with a net loss of $10.4M, narrower than the previous quarter's $11.5M loss. Minority interests bore $1.1M of it: to shareholders the quarter was a loss of $9.3M. Net interest and other expense of $13.3M was the main reason.
Operating cash flow was $9.9M (down 69% year over year). Non-cash charges added back $36.7M of depreciation and amortization and $5.7M of share-based compensation. Working capital and other items used $22.1M. Capital expenditures of $692K left free cash flow of $9.2M.
Questions
What was Repay Holdings' revenue in the third quarter 2026?
Repay Holdings (RPAY) reported revenue of $153M for the third quarter 2026 (Q3 2026), +97% from a year earlier and +52% from the quarter before.
Was Repay Holdings profitable in the third quarter 2026?
Operating profit was $103K (0.1% of revenue) and net loss $10.4M.
Source: Repay Holdings 10-Q on SEC EDGAR.