Earnings Feed

AMRK

Financial Services

23h

Depreciation and amortization expenses increased significantly due to intangible asset amortization from acquisitions.
Earnings from equity method investments turned negative, with losses of $0.8 million in Q4 and $2.8 million for the full year.
Fiscal year 2025 net income was $17.3 million with non-GAAP adjusted net income before income taxes of $53.1 million and diluted EPS of $0.71.
Full year gross profit increased 22% to $210.9 million or 1.92% of revenue, with higher profits from direct-to-consumer segment.
Interest income decreased 34% in Q4 and 4% for the full year, while interest expense increased 34% in Q4 and 17% for the full year.
Q4 2025 net income was $10.3 million with non-GAAP adjusted net income before income taxes of $19.2 million and diluted EPS of $0.41.
Q4 gross profit increased 90% to $81.7 million, representing 3.25% of revenue, driven by acquisitions.
SG&A expenses rose 135% in Q4 to $53.4 million due to compensation, advertising, consulting, and acquisition-related costs.

RPAY

Financial Services

REPAY emphasized its focus on organic growth and investments, with a clear priority on managing CapEx as a percentage of revenue.
The company plans to use cash on hand to reduce its $220 million convertible notes due in February 2026, indicating a strategic debt management approach.
Management highlighted the potential for opportunistic share repurchases, with $38 million spent on buying back 7.9 million shares year-to-date.
REPAY remains open to strategic tuck-in M&A to accelerate growth, focusing on verticals like consumer payments and business payments.
The company aims to maintain a strong balance sheet with ample liquidity, including $413 million in total liquidity, to support its strategic initiatives.