Financial Data and Key Metrics Changes - In Q2 2022, the company reported card payment volume growth of 34%, total revenue growth of 39%, and gross profit growth of 42% [7][23] - Organic gross profit growth for the quarter was 10% [7][24] - Adjusted net income for Q2 was $16.1 million, or $0.17 per share, with adjusted EBITDA of $27.6 million, reflecting a 35% increase year-over-year [25] Business Line Data and Key Metrics Changes - The B2B payments business showed strength, driven by the digitization of business payments and the need for efficiencies [7] - Instant Funding product volume grew approximately 50% compared to Q2 2021 [10] - The consumer payments side saw a record quarter with 225 credit union clients, indicating growth in that segment [8] Market Data and Key Metrics Changes - The personal loan market is experiencing mixed signals, with lenders tightening credit standards due to increased delinquencies [11][32] - Auto lending demand remains strong, but the market is supply constrained, affecting affordability [12] - The company expects the recovery in the personal loan market to take longer than initially anticipated [11] Company Strategy and Development Direction - The company aims for mid-teens organic growth in 2023, supported by a diverse underpenetrated market and a large distribution network [18] - Focus on sustainable growth with strong unit economics, optimizing processing infrastructure to reduce costs [20] - The company is actively pursuing strategic M&A opportunities to enhance scale and market competitiveness [22][81] Management's Comments on Operating Environment and Future Outlook - Management noted that while the macro environment is uncertain, they expect strong demand for their payment solutions to continue [30] - The company anticipates growth in the B2B segment, particularly in the AP Media vertical, driven by political ad spending [16][30] - Management expressed confidence in navigating potential downturns, citing the resilience of their medium to enterprise customer base [58][96] Other Important Information - The company has $60 million in cash and access to $165 million of undrawn revolver capacity, providing a total liquidity of $225 million [27] - The share repurchase program has been implemented, indicating confidence in the company's valuation [22][82] Q&A Session Summary Question: Details on personal loan vertical - Management indicated strong demand but noted lenders are tightening credit standards due to increased delinquencies [32] Question: Organic growth expectations for next year - The company expects to exit 2022 with about 20% organic growth, with B2B expected to grow north of 25% [33] Question: Trends in auto loans - Management noted long-duration portfolios in auto loans are less impacted by delinquencies compared to personal loans [37] Question: Instant Funding growth trajectory - Instant Funding is growing faster than originations, with a shift towards digital transactions [44] Question: M&A appetite and pipeline - The company has a healthy pipeline for M&A opportunities and is being prudent with capital allocation [81] Question: B2B business growth strategy - The company plans to expand its supplier network and continue investing in product and technology for B2B growth [89]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended June 30, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE TRANSITION PERIOD FROM TO Commission File Number 001-38531 Repay Holdings Corporation (Exact name of Registrant as specified in its Charter) Delaware 98-1496050 (State or other juris ...

Exhibit 99.2 Q1 2022 Earnings Supplement May 2022 Disclaimer 1 Repay Holdings Corporation ("REPAY" or the "Company") is required to file annual, quarterly and current reports, proxy statements and other information with the Securities and Exchange Commission ("SEC") Such filings, which you may obtain for free at the SEC's website at http://www.sec.gov, discuss some of the important risk factors that may affect REPAY's business, results of operations and financial condition. Forward-Looking Statements This p ...

Repay Holdings Corporation (NASDAQ:RPAY) Q1 2022 Earnings Conference Call May 10, 2022 5:30 PM ET Company Participants John Morris - Co-Founder & Chief Executive Officer Timothy Murphy - Chief Financial Officer Conference Call Participants Ramsey El-Assal - Barclays Sanjay Sakhrani - KBW Peter Heckmann - D.A. Davidson Andrew Schmidt - Citigroup Andrew Jeffrey - Truist Securities Jeffrey Goldstein - Morgan Stanley Cris Kennedy - William Blair Operator Greetings. Welcome to today's earnings conference call ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE TRANSITION PERIOD FROM TO Commission File Number 001-38531 Repay Holdings Corporation (Exact name of Registrant as specified in its Charter) Delaware 98-1496050 (State or other juri ...

Exhibit 99.2 Q4 2021 Earnings Supplement March 2022 Disclaimer 1 Repay Holdings Corporation ("REPAY" or the "Company") is required to file annual, quarterly and current reports, proxy statements and other information with the Securities and Exchange Commission ("SEC") Such filings, which you may obtain for free at the SEC's website at http://www.sec.gov, discuss some of the important risk factors that may affect REPAY's business, results of operations and financial condition. Forward-Looking Statements This ...

Repay Holdings Corporation (NASDAQ:RPAY) Q4 2021 Earnings Conference Call March 1, 2022 5:30 PM ET Company Participants John Morris - Co-Founder & Chief Executive Officer Timothy Murphy - Chief Financial Officer Conference Call Participants Ramsey El-Assal - Barclays Robert Napoli - William Blair Andrew Jeffrey - Truist Securities Andrew Schmidt - Citigroup Peter Heckmann - D.A. Davidson Joseph Vafi - Canaccord Genuity James Faucette - Morgan Stanley Timothy Chiodo - Credit Suisse Operator Greetings, an ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K (Mark One) ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2021 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE TRANSITION PERIOD FROM TO Commission File Number 001-38531 Repay Holdings Corporation (Exact name of Registrant as specified in its Charter) Delaware 98-1496050 (State or other jurisdict ...

REPAY Realtime Electronic Payments REPAY Q3 21 Earnings Supplement November 2021 Disclaimer 1 Repay Holdings Corporation ("REPAY" or the "Company") is required to file annual, quarterly and current reports, proxy statements and other information with the Securities and Exchange Commission ("SEC") Such filings, which you may obtain for free at the SEC's website at http://www.sec.gov, discuss some of the important risk factors that may affect REPAY's business, results of operations and financial condition. Fo ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q (Mark One) ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2021 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE TRANSITION PERIOD FROM TO Commission File Number 001-38531 Repay Holdings Corporation (Exact name of Registrant as specified in its Charter) Delaware 98-1496050 (State or other ...