Repay (RPAY) Investor presentation summary

Market opportunity and business model

• Operates a highly integrated omnichannel payment technology platform targeting both consumer and business payments.

• Focuses on large, underpenetrated verticals such as auto finance, mortgage, healthcare, credit unions, and B2B automation, with a total addressable market estimated at $5.6 trillion as of 2025.

• Card and debit payment penetration remains low in key verticals, presenting significant growth potential.

• Provides a unified commerce experience with proprietary technology, enabling clients to accept payments anywhere, any way, any time.

• Offers both consumer and business payment solutions, including AR/AP automation, with deep ERP and software integrations.

Growth strategy and execution

• Achieved strong organic growth driven by secular trends toward digital payments and increased transaction volume in key verticals.

• Pursues M&A to deepen presence in existing verticals and expand into new markets, with a proven track record of successful acquisitions and integrations.

• Growth levers include expanding usage among existing clients, acquiring new clients, broadening software partnerships, and operational efficiencies.

• Number of software integration partners grew at a 34% CAGR, reaching 294 by 2025.

Financial performance and highlights

• Delivered 9% revenue and gross profit CAGR, 8% adjusted EBITDA CAGR, and 13% free cash flow CAGR from 2021 to 2025.

• Maintained high gross profit margins (75–77%) and strong free cash flow conversion (38% in 2025).

• Consumer payments accounted for ~85% of revenue, with business payments providing diversification.

• Demonstrated resilience with low volume attrition and a low-risk portfolio.

• Adjusted EBITDA and free cash flow are non-GAAP measures, with detailed reconciliations provided.