Repay Holdings Corporation (RPAY) Q4 2025 Earnings Call

Investor webinar replay

Replay transcript excerpt

Good afternoon. I'd like to welcome everyone to Repay's fourth quarter 2025 earnings conference call. This call is being recorded today, March 9th, 2026. I'd like to turn the session over to Stuart Grisanti, head of investor relations at Repay. Stuart, you may begin. Thank you. Good afternoon, and welcome to REPAY's fourth quarter 2025 earnings conference call. With us today are John Morris, co-founder and chief executive officer, and Robert Hauser, chief financial officer. During this call, we will be making forward-looking statements about our beliefs and estimates regarding future events and results. Those forward-looking statements are subject to risks and uncertainties, including those set forth in the SEC filings related to today's results and in our most recent form, 10-K. Actual results may differ materially from any forward-looking statements that we make today. Forward-looking statements speak only as of today, and we do not assume any obligation or intent to update them except as required by law. In an effort to provide additional information to investors, today's discussion will also reference certain non-GAAP financial measures. Reconciliations and other explanations of those non-GAAP financial measures can be found in today's press release and in the earnings supplement, each of which are available in the company's IR site. With that, I will now turn the call over to John. Thanks, Stuart. Good afternoon, everyone, and thank you for joining us today. Repay delivered on its promise to improve growth as the company exited 2025. During the fourth quarter, Repay returned to solid, normalized growth while continuing to generate strong profitability and free cash flow. This performance underscores the progress of Repay's strategic initiatives and operational i...