(RPAY) Repay Holdings - Overview
Stock: Payment Processing, Virtual Credit Card, ACH, Digital Wallet, Text-To-Pay
EPS (Earnings per Share)
Revenue
| Risk 5d forecast | |
|---|---|
| Volatility | 55.0% |
| Relative Tail Risk | -7.47% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -1.23 |
| Alpha | -73.37 |
| Character TTM | |
|---|---|
| Beta | 1.206 |
| Beta Downside | 1.692 |
| Drawdowns 3y | |
|---|---|
| Max DD | 72.85% |
| CAGR/Max DD | -0.40 |
Description: RPAY Repay Holdings December 27, 2025
Repay Holdings Corp. (NASDAQ:RPAY) is a U.S.-based payments-technology firm that delivers end-to-end electronic payment solutions across two primary segments-Consumer Payments and Business Payments. Its product suite spans traditional card processing, ACH, e-cash, digital wallets, virtual credit cards, instant funding, and a range of proprietary channels such as web, mobile, text-to-pay, IVR, and POS interfaces.
The company’s customer base is concentrated in personal-loan origination, automotive financing, receivables-management, and B2B verticals, which it reaches through a mix of direct sales reps and software-integration partners. Founded in 2006 and headquartered in Atlanta, GA, Repay positions itself as a “single-pane-of-glass” platform that aggregates disparate payment methods into a unified workflow.
According to its most recent quarterly filing (Q2 2024), RPAY generated $45.1 million in revenue, representing a 12% year-over-year increase, and processed roughly $2.3 billion in transaction volume. The firm reported a gross margin of 55% and positive operating cash flow, reflecting the scalability of its SaaS-plus-transaction-fee model.
Key macro drivers for Repay include the continued shift toward digital and omnichannel payments (U.S. digital payment volumes grew 9% YoY in 2023) and the sensitivity of its loan-related clients to interest-rate cycles-higher rates can boost loan-origination volumes but also increase delinquency risk, which in turn raises demand for efficient receivables-management services.
For a deeper dive into RPAY’s valuation metrics and peer comparison, check out the detailed analysis on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income: -120.7m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.05 > 0.02 and ΔFCF/TA -1.27 > 1.0 |
| NWC/Revenue: -13.62% < 20% (prev 45.54%; Δ -59.16% < -1%) |
| CFO/TA 0.08 > 3% & CFO 102.0m > Net Income -120.7m |
| Net Debt/EBITDA: error (EBITDA <= 0) |
| Current Ratio: 0.81 > 1.5 & < 3 |
| Outstanding Shares: last quarter (82.6m) vs 12m ago -19.93% < -2% |
| Gross Margin: 75.54% > 18% (prev 0.77%; Δ 7477 % > 0.5%) |
| Asset Turnover: 21.32% > 50% (prev 19.87%; Δ 1.46% > 0%) |
| Interest Coverage Ratio: -9.35 > 6 (EBITDA TTM -26.4m / Interest Expense TTM 12.5m) |
Altman Z'' -2.51
| A: -0.03 (Total Current Assets 180.2m - Total Current Liabilities 222.3m) / Total Assets 1.33b |
| B: -0.34 (Retained Earnings -450.4m / Total Assets 1.33b) |
| C: -0.08 (EBIT TTM -116.5m / Avg Total Assets 1.45b) |
| D: -0.63 (Book Value of Equity -450.4m / Total Liabilities 711.1m) |
| Altman-Z'' Score: -2.51 = D |
Beneish M 0.65
| DSRI: 5.64 (Receivables 230.8m/41.1m, Revenue 308.9m/310.8m) |
| GMI: 1.02 (GM 75.54% / 77.36%) |
| AQI: 1.01 (AQ_t 0.86 / AQ_t-1 0.85) |
| SGI: 0.99 (Revenue 308.9m / 310.8m) |
| TATA: -0.17 (NI -120.7m - CFO 102.0m) / TA 1.33b) |
| Beneish M-Score: 0.65 (Cap -4..+1) = D |
What is the price of RPAY shares?
Over the past week, the price has changed by -3.15%, over one month by -7.14%, over three months by -12.89% and over the past year by -55.70%.
Is RPAY a buy, sell or hold?
- StrongBuy: 5
- Buy: 1
- Hold: 5
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the RPAY price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 7.7 | 128.1% |
| Analysts Target Price | 7.7 | 128.1% |
| ValueRay Target Price | 2.5 | -26.9% |
RPAY Fundamental Data Overview February 03, 2026
P/S = 1.0318
P/B = 0.4609
Revenue TTM = 308.9m USD
EBIT TTM = -116.5m USD
EBITDA TTM = -26.4m USD
Long Term Debt = 279.5m USD (from longTermDebt, last quarter)
Short Term Debt = 147.9m USD (from shortTermDebt, last quarter)
Debt = 436.6m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 340.9m USD (from netDebt column, last quarter)
Enterprise Value = 659.6m USD (318.8m + Debt 436.6m - CCE 95.7m)
Interest Coverage Ratio = -9.35 (Ebit TTM -116.5m / Interest Expense TTM 12.5m)
EV/FCF = 9.53x (Enterprise Value 659.6m / FCF TTM 69.2m)
FCF Yield = 10.49% (FCF TTM 69.2m / Enterprise Value 659.6m)
FCF Margin = 22.40% (FCF TTM 69.2m / Revenue TTM 308.9m)
Net Margin = -39.08% (Net Income TTM -120.7m / Revenue TTM 308.9m)
Gross Margin = 75.54% ((Revenue TTM 308.9m - Cost of Revenue TTM 75.6m) / Revenue TTM)
Gross Margin QoQ = 74.35% (prev 75.66%)
Tobins Q-Ratio = 0.49 (Enterprise Value 659.6m / Total Assets 1.33b)
Interest Expense / Debt = 0.71% (Interest Expense 3.08m / Debt 436.6m)
Taxrate = 21.0% (US default 21%)
NOPAT = -92.0m (EBIT -116.5m * (1 - 21.00%)) [loss with tax shield]
Current Ratio = 0.81 (Total Current Assets 180.2m / Total Current Liabilities 222.3m)
Debt / Equity = 0.71 (Debt 436.6m / totalStockholderEquity, last quarter 616.9m)
Debt / EBITDA = -12.91 (negative EBITDA) (Net Debt 340.9m / EBITDA -26.4m)
Debt / FCF = 4.93 (Net Debt 340.9m / FCF TTM 69.2m)
Total Stockholder Equity = 691.9m (last 4 quarters mean from totalStockholderEquity)
RoA = -8.33% (Net Income -120.7m / Total Assets 1.33b)
RoE = -17.45% (Net Income TTM -120.7m / Total Stockholder Equity 691.9m)
RoCE = -11.99% (EBIT -116.5m / Capital Employed (Equity 691.9m + L.T.Debt 279.5m))
RoIC = -7.85% (negative operating profit) (NOPAT -92.0m / Invested Capital 1.17b)
WACC = 4.69% (E(318.8m)/V(755.3m) * Re(10.36%) + D(436.6m)/V(755.3m) * Rd(0.71%) * (1-Tc(0.21)))
Discount Rate = 10.36% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -4.85%
[DCF Debug] Terminal Value 88.43% ; FCFF base≈81.9m ; Y1≈101.1m ; Y5≈172.1m
Fair Price DCF = 57.27 (EV 5.01b - Net Debt 340.9m = Equity 4.67b / Shares 81.6m; r=5.90% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: -43.85 | EPS CAGR: -3.93% | SUE: -0.44 | # QB: 0
Revenue Correlation: 82.99 | Revenue CAGR: 6.12% | SUE: 0.25 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.23 | Chg30d=-0.001 | Revisions Net=+0 | Analysts=6
EPS next Year (2026-12-31): EPS=0.94 | Chg30d=-0.020 | Revisions Net=-4 | Growth EPS=+12.7% | Growth Revenue=+7.1%