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Republic Bancorp RBCAA Tax Refund Solutions — Refund Advances Originated

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Other financials

Income statement

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Revenue$101.3M+7.9%
Net income$32.9M+4.4%
EPS (diluted)$1.68+4.3%

Balance sheet

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Cash & equivalents$354.1M-27.0%
Total debt$30.1M-14.9%
Total equity$1.2B+9.1%
Total assets$7.1B+1.3%

Cash flow

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Operating cash flow$1.1M-87.3%
CapEx$1.2M-63.5%
Free cash flow$68.1M-22.2%

Valuation

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Market cap$1.96B+46.4%
Enterprise value$1.63B+84.2%
P/E15.3×+4.5×
P/S4.8×+1.5×

Profitability

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Net margin31.3%+0.7pp
FCF margin35.3%-5.1pp

Returns & leverage

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Return on equity11.5%-0.8pp
Debt / equity0.0×

Where this comes from

Reported directly by Republic Bancorp in its filing.

Tagged under the XBRL concept rbcaa:RefundAdvancesOriginated.

The source filing: Republic Bancorp’s 10-Q, filed May 7, 2026.

Filed
May 7, 2026, 4:01 PM EDT
Fiscal quarter
Q1 FY2026
Calendar quarter
Q1 2026
Accession
0001104659-26-057076
(dollars in thousands)Three Months Ended / March 31, 2026Three Months Ended / March 31, 2025
ERAs/RAs originated$246,396$662,556
Net charge to the Provision for ERAs/RAs5,31815,335
Provision as a percentage of ERAs/RAs originated2.16%2.31%
Net ERA/RA charge-offs (recoveries)$(669)$(691)
Net ERA/RA charge-offs (recoveries) to total originations(0.27)%(0.10)%

Item 1. Financial Statements.

FAQ

What is Republic Bancorp's tax refund solutions — refund advances originated?
Republic Bancorp (RBCAA) reported tax refund solutions — refund advances originated of $246.4M in Q1 2026.
How has Republic Bancorp's tax refund solutions — refund advances originated changed year-over-year?
Republic Bancorp's tax refund solutions — refund advances originated decreased by 62.8% year-over-year, from $662.56M to $246.4M.
What does tax refund solutions — refund advances originated mean?
The total dollar volume of new tax refund advances issued to customers during a specific period. This is a primary indicator of business volume and market demand for the tax-related lending segment.

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