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 ...

PART I – FINANCIAL INFORMATION [Consolidated Financial Statements](index=4&type=section&id=Item%201.%20Consolidated%20Financial%20Statements) The consolidated financial statements present the company's financial position and performance, highlighting asset growth and a reduced net loss Consolidated Balance Sheet Highlights (Unaudited) | Account | Sep 30, 2021 ($ million) | Dec 31, 2020 ($ million) | | :--- | :--- | :--- | | **Assets** | | | | Cash and cash equivalents | $116.5 million | $91.1 million | | Goodwill | $751.5 million | $459.0 million | | Customer and channel relationships, net | $461.1 million | $280.9 million | | **Total Assets** | **$1,645.4 million** | **$1,110.0 million** | | **Liabilities & Equity** | | | | Long-term debt, net | $428.6 million | $250.0 million | | Tax receivable agreement | $231.5 million | $229.2 million | | **Total Liabilities** | **$722.6 million** | **$553.8 million** | | **Total Stockholders' Equity** | **$882.2 million** | **$509.3 million** | Consolidated Statement of Operations Highlights (Unaudited) | Metric | Three Months Ended Sep 30, 2021 ($ million) | Three Months Ended Sep 30, 2020 ($ million) | Nine Months Ended Sep 30, 2021 ($ million) | Nine Months Ended Sep 30, 2020 ($ million) | | :--- | :--- | :--- | :--- | :--- | | **Revenue** | **$61.1 million** | **$37.6 million** | **$157.1 million** | **$113.6 million** | | Loss from operations | ($12.2 million) | ($13.1 million) | ($33.3 million) | ($23.2 million) | | **Net Loss** | **($7.3 million)** | **($12.1 million)** | **($38.6 million)** | **($108.4 million)** | | Net loss attributable to the Company | ($6.3 million) | ($6.8 million) | ($34.3 million) | ($96.4 million) | | **Loss per Class A share (Basic & Diluted)** | **($0.07)** | **($0.12)** | **($0.42)** | **($2.10)** | - The financial statements for the three and nine months ended September 30, 2020 have been restated to reflect a change in the accounting treatment of warrants, which were reclassified from equity to liability. This restatement significantly impacted the 2020 net loss due to the change in fair value of warrant liabilities[34](index=34&type=chunk)[35](index=35&type=chunk) [Notes to the Unaudited Consolidated Financial Statements](index=11&type=section&id=Notes%20to%20the%20Unaudited%20Consolidated%20Financial%20Statements) The notes detail significant corporate events and accounting policies, including major acquisitions, capital raises, and goodwill changes - On June 15, 2021, the Company acquired BillingTree for approximately **$506.6 million**, comprising ~**$278.3 million** in cash and ~**10 million shares** of Class A common stock[31](index=31&type=chunk)[71](index=71&type=chunk) - On June 22, 2021, the Company acquired substantially all assets of Kontrol LLC for up to **$11.0 million**, with **$7.5 million** paid at closing[32](index=32&type=chunk)[76](index=76&type=chunk) - In January 2021, the Company issued **$440.0 million** of 0.00% Convertible Senior Notes due 2026 and completed an equity offering of **6.24 million shares** at **$24.00 per share**[29](index=29&type=chunk)[30](index=30&type=chunk)[119](index=119&type=chunk) Goodwill Changes (Nine Months Ended Sep 30, 2021) | Description | Amount ($) | | :--- | :--- | | Balance at December 31, 2020 | $458,970,255 | | Acquisitions | $294,075,364 | | Measurement period adjustment | ($1,510,778) | | **Balance at September 30, 2021** | **$751,534,841** | - The Tax Receivable Agreement (TRA) liability was **$231.5 million** as of September 30, 2021, an increase of **$2.3 million** from year-end 2020, primarily due to exchanges of Post-Merger Repay Units[146](index=146&type=chunk) [Management's Discussion and Analysis of Financial Condition and Results of Operations](index=34&type=section&id=Item%202.%20Management%27s%20Discussion%20and%20Analysis%20of%20Financial%20Condition%20and%20Results%20of%20Operations) Management attributes strong revenue growth to organic expansion and acquisitions, with Q3 2021 revenue up **62.4%** and robust non-GAAP performance - Total card payment volume processed was approximately **$5.6 billion** for Q3 2021 and **$14.8 billion** for the nine months ended September 30, 2021, representing growth of **48%** and **32%** over the same periods in 2020, respectively[152](index=152&type=chunk) Revenue and Expense Analysis (Q3 2021 vs Q3 2020) | Item | Q3 2021 ($ million) | Q3 2020 ($ million) | Change ($ million) | Change % | | :--- | :--- | :--- | :--- | :--- | | **Revenue** | **$61.1 million** | **$37.6 million** | **+$23.5 million** | **+62.4%** | | Other Costs of Services | $15.3 million | $10.5 million | +$4.8 million | +45.7% | | SG&A Expenses | $33.7 million | $28.6 million | +$5.1 million | +17.9% | | Depreciation & Amortization | $25.9 million | $15.4 million | +$10.5 million | +68.0% | - For Q3 2021, incremental revenues of approximately **$17.8 million** are attributable to the acquisitions of cPayPlus, CPS, BillingTree, and Kontrol[165](index=165&type=chunk) Non-GAAP Performance (YoY Growth) | Metric | Q3 2021 ($ million) | Q3 2020 ($ million) | YoY Growth | | :--- | :--- | :--- | :--- | | **Adjusted EBITDA** | **$27.0 million** | **$15.6 million** | **73.2%** | | **Adjusted Net Income** | **$19.0 million** | **$10.8 million** | **76.5%** | [Liquidity and Capital Resources](index=45&type=section&id=Liquidity%20and%20Capital%20Resources) The company maintained strong liquidity with substantial cash and credit, supported by significant financing activities and positive operating cash flow - As of September 30, 2021, the company had **$116.5 million** of cash and cash equivalents and an available borrowing capacity of **$125.0 million** under the Amended Credit Agreement[210](index=210&type=chunk) Cash Flow Summary (Nine Months Ended Sep 30) | Cash Flow Activity | 2021 ($ million) | 2020 ($ million) | | :--- | :--- | :--- | | Net cash provided by operating activities | $31.5 million | $6.7 million | | Net cash used in investing activities | ($296.6 million) | ($55.2 million) | | Net cash provided by financing activities | $295.7 million | $203.2 million | - Net cash used in investing activities of **$296.6 million** was primarily for the acquisitions of BillingTree and Kontrol and software development[216](index=216&type=chunk) - Net cash from financing activities of **$295.7 million** was driven by proceeds from the Equity Offering and the 2026 Notes issuance, offset by debt repayments[217](index=217&type=chunk) [Quantitative and Qualitative Disclosures About Market Risk](index=48&type=section&id=Item%203.%20Quantitative%20and%20Qualitative%20Disclosures%20About%20Market%20Risk) The company's primary market risk is interest rate exposure on its debt, with LIBOR phase-out being monitored - The company is exposed to interest rate risk on its debt. As of September 30, 2021, it had **$430.3 million** in convertible senior debt and no borrowings under its **$125 million** revolving credit facility[234](index=234&type=chunk) - Two interest rate swaps, which previously hedged **$205.0 million** of variable-rate debt, were settled in January 2021[235](index=235&type=chunk)[236](index=236&type=chunk) - The company is monitoring the planned phase-out of LIBOR by the end of 2021, which may impact future interest payment obligations[237](index=237&type=chunk) [Controls and Procedures](index=49&type=section&id=Item%204.%20Controls%20and%20Procedures) Management concluded that disclosure controls were **effective**, with a previously identified material weakness in warrant accounting **remediated** - The Chief Executive Officer and Chief Financial Officer concluded that as of September 30, 2021, the company's disclosure controls and procedures were **effective**[240](index=240&type=chunk) - A material weakness identified in Q1 2021 concerning the accounting for warrants has been **remediated** as of September 30, 2021[241](index=241&type=chunk)[242](index=242&type=chunk) - Remediation steps included expanding the review process for complex securities, enhancing access to accounting literature, and consulting with third-party professionals[241](index=241&type=chunk)[242](index=242&type=chunk) PART II – OTHER INFORMATION [Legal Proceedings](index=50&type=section&id=Item%201.%20Legal%20Proceedings) The company is involved in various legal actions, but none are expected to have a **material adverse effect** on its financial condition - The company does not expect any currently pending legal proceedings to have a **material adverse effect** on its business, financial condition, or results of operations[244](index=244&type=chunk) [Risk Factors](index=50&type=section&id=Item%201A.%20Risk%20Factors) There have been **no material changes** to the risk factors previously disclosed in the company's 2020 Annual Report on Form 10-K - **No material changes** have occurred with respect to the risk factors disclosed in the company's amended 2020 Form 10-K[245](index=245&type=chunk) [Unregistered Sales of Equity Securities and Use of Proceeds](index=50&type=section&id=Item%202.%20Unregistered%20Sales%20of%20Equity%20Securities%20and%20Use%20of%20Proceeds) During Q3 2021, the company withheld **17,452 shares** of Class A common stock for employee tax withholding obligations Share Withholding for Tax Obligations (Q3 2021) | Period | Total Shares Purchased | Average Price Paid per Share ($ per share) | | :--- | :--- | :--- | | July 1-31, 2021 | 8,757 | $24.78 | | August 1-31, 2021 | 4,732 | $22.80 | | September 1-30, 2021 | 3,963 | $22.68 | | **Total** | **17,452** | **$23.77** | [Other Information](index=51&type=section&id=Item%205.%20Other%20Information) The 2022 Annual Meeting of Stockholders is scheduled for **June 8, 2022**, with new deadlines for stockholder proposals - The 2022 Annual Meeting of Stockholders is scheduled for on or about **June 8, 2022**[250](index=250&type=chunk) - The deadline for stockholder proposals to be included in the proxy statement is **February 15, 2022**[250](index=250&type=chunk) [Exhibits](index=52&type=section&id=Item%206.%20Exhibits) This section lists the exhibits filed with the Form 10-Q, including officer certifications and financial statements

REPAY Realtime Electronic Payments REPAY Q2 21 Earnings Supplement August 2021 Disclaimer 1 Repay Holdings Corporation ("REPAY" or the "Company ") is required to f ile annual, quarterly and current reports, proxy statements and other inf ormation with the Securities and Exchange Commission ("SEC") Such f ilings, which y ou may obtain f or f ree at the SEC's website at http://www.sec.gov , discuss some of the important risk f actors that may af fect REPAY's business, results of operations and f inancial cond ...

REPAY" Realtime Electronic Payments Investor Presentation August 2021 Disclaimer 1 On July 11, 2019 (the "Closing Date"), Thunder Bridge Acquisition Ltd. ("Thunder Bridge") and Hawk Parent Holdings LLC ("HawkParent") completed their previously announced business combination (the "Business Combination") under which Thunder Bridge acquired Hawk Parent, upon which Thunder Bridge changed its name to Repay Holdings Corporation ("REPAY" or the "Company"). Unless otherwise indicated, information provided in this p ...

Repay Holdings Corporation (NASDAQ:RPAY) Q2 2021 Earnings Conference Call August 9, 2021 5:00 PM ET Company Participants John Morris – Co-Founder and Chief Executive Officer Tim Murphy – Chief Financial Officer Conference Call Participants Ramsey El-Assal – Barclays Timothy Chiodo – Credit Suisse Andrew Schmidt – Citi Steven Kwok – KBW Joseph Vafi – Canaccord Andrew Jeffrey – Truist Securities Craig Maurer – Autonomous Bob Napoli – William Blair James Faucette – Morgan Stanley Operator Greetings, and welcom ...

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, 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 juris ...

Q1 2021 Financial Performance - Card Payment Volume reached $4614 million, a 20% increase compared to $38615 million in Q1 2020[15] - Total Revenue increased by 20% to $475 million in Q1 2021, up from $395 million in Q1 2020[15] - Gross Profit grew by 22% to $350 million in Q1 2021, compared to $287 million in Q1 2020[15] - Adjusted EBITDA increased by 18% to $205 million in Q1 2021, from $174 million in Q1 2020[15] Liquidity and Leverage - As of April 30, 2021, REPAY had a strong liquidity position with $118 million in cash on hand and $125 million in revolver capacity, resulting in a total liquidity of $243 million[21] - Net Debt stood at $322 million, with a Pro Forma Net Leverage of 29x[22] Strategy and Outlook - REPAY updated its FY 2021 outlook, projecting Card Payment Volume between $199 billion and $204 billion[39] - The company anticipates Total Revenue in the range of $210 million to $220 million for FY 2021[39] - REPAY expects Gross Profit to be between $159 million and $165 million, and Adjusted EBITDA between $91 million and $96 million for FY 2021[39] B2B Payments Business - REPAY's B2B payments business has a total addressable market of $34 trillion in the healthcare segment[35]