SuperworthRepay profit margin RPAY
Gross, operating and net profit as a share of revenue over the last twelve months, from 2020.
- Net margin, 12 months
- −49.6%
- Operating margin, 12 months
- −44.2%
- Net margin on a year earlier
- −13.8 pts
- Peer median
- 6.4%
Over the twelve months to Jun 30, 2026, Repay kept −49.6% of its revenue as net profit, with an operating margin of −44.2% and a gross margin of 73.5%.
Five years earlier its net margin was −25.2%.
The median for 10 credit services stocks of a similar size is 6.4%.
Profit margin over time
Fiscal year by fiscal year
| Fiscal year | Net margin | Operating margin | Gross margin |
|---|---|---|---|
| FY2025 | −83.0% | −82.4% | 75.0% |
| FY2024 | −3.2% | −2.5% | 77.1% |
| FY2023 | −37.2% | −37.6% | 76.5% |
| FY2022 | 4.6% | −16.9% | 76.8% |
| FY2021 | −22.8% | −24.6% | 74.7% |
| FY2020 | −68.1% | −20.6% | 73.3% |
| FY2019 | n/a | n/a | n/a |
| FY2018 | n/a | n/a | n/a |
Quarter by quarter
| Quarter | Ended | Net margin, 12 months | Change on a year | Operating margin |
|---|---|---|---|---|
| Q2 FY26 | −49.6% | −13.8 pts | −44.2% | |
| Q1 FY26 | −82.7% | −78.6 pts | −80.3% | |
| Q4 FY25 | −83.0% | −79.8 pts | −82.4% | |
| Q3 FY25 | −39.1% | −13.6 pts | −36.5% | |
| Q2 FY25 | −35.8% | −6.8 pts | −35.6% | |
| Q1 FY25 | −4.2% | +25.3 pts | −2.9% | |
| Q4 FY24 | −3.2% | +34.0 pts | −2.5% | |
| Q3 FY24 | −25.5% | −10.6 pts | −27.4% | |
| Q2 FY24 | −29.0% | −18.0 pts | −29.3% | |
| Q1 FY24 | −29.5% | −20.0 pts | −31.7% | |
| Q4 FY23 | −37.2% | −41.8 pts | −37.6% | |
| Q3 FY23 | −15.0% | −16.4 pts | −17.5% |
Against its peers
Companies in Financial - Credit Services nearest Repay's size, closest first, today.
| Company | Profit margin |
|---|---|
| RPAYRepay | −49.6% |
| TREELendingTree | 14.3% |
| RMNIRimini Street | 1.7% |
| OPRTOportun Financial | 2.1% |
| LSAKLesaka Technologies | 0.4% |
| PLBCPlumas Bancorp | 31.7% |
| OPFIOppFi | 28.0% |
| RMRegional Management | 7.0% |
| IRHOIron Horse Acquisition II | n/m |
| POWWOutdoor | 6.4% |
| IMXIInternational Money Express | 3.4% |
| Peer median | 6.4% |
Where Repay ranks
What the profit margin tells you
Profit as a share of revenue at three levels: gross (after making the product), operating (after running the business) and net (after everything, including tax and interest).
Compare within an industry. 10% is superb for a retailer and poor for a software company.
More on Repay
Valuation data, not investment advice. Prices as of . Reported figures come from the company's filings with the SEC.