(RPAY) Repay Holdings - Overview

Sector: Technology | Industry: Software - Infrastructure | Exchange: NASDAQ (USA) | Market Cap: 273m USD | Total Return: -51.6% in 12m

Stock Payment Processing, Debit, Credit, ACH, Digital Wallets
Total Rating 17
Safety 28
Buy Signal -0.84
Software - Infrastructure +9.5
Data Processing & Outsourced Services +7.6
Market Cap: 273m
Avg Trading Vol: 3.28M USD
ATR: 5.97%
Peers RS (IBD): 6.5
Risk 5d forecast
Volatility72.1%
Rel. Tail Risk-6.79%
Reward TTM
Sharpe Ratio-0.99
Alpha-75.26
Character TTM
Beta1.306
Beta Downside2.174
Drawdowns 3y
Max DD76.56%
CAGR/Max DD-0.33
EPS (Earnings per Share) EPS (Earnings per Share) of RPAY over the last years for every Quarter: "2021-03": 0.18, "2021-06": 0.16, "2021-09": 0.21, "2021-12": 0.28, "2022-03": 0.19, "2022-06": 0.17, "2022-09": 0.24, "2022-12": 0.23, "2023-03": 0.2, "2023-06": 0.19, "2023-09": 0.21, "2023-12": 0.27, "2024-03": 0.23, "2024-06": 0.22, "2024-09": 0.23, "2024-12": 0.24, "2025-03": 0.22, "2025-06": -1.15, "2025-09": -0.08, "2025-12": 0.19, "2026-03": 0,
EPS CAGR: -3.55%
EPS Trend: -38.9%
Last SUE: -0.49
Qual. Beats: 0
Revenue Revenue of RPAY over the last years for every Quarter: 2021-03: 47.520496, 2021-06: 48.411871, 2021-09: 61.125384, 2021-12: 62.200249, 2022-03: 67.564, 2022-06: 67.435, 2022-09: 71.555, 2022-12: 72.673, 2023-03: 74.537, 2023-06: 71.783, 2023-09: 74.32, 2023-12: 75.987, 2024-03: 80.72, 2024-06: 74.906, 2024-09: 79.145, 2024-12: 78.271, 2025-03: 77.325, 2025-06: 75.626, 2025-09: 77.725, 2025-12: 78.585, 2026-03: null,
Rev. CAGR: 4.11%
Rev. Trend: 81.9%
Last SUE: 0.60
Qual. Beats: 0
Risks
Technicals: volatile
Description: RPAY Repay Holdings

REPAY Holdings Corp (RPAY) is a payments technology company. It provides integrated electronic payment processing solutions for consumers and businesses in the United States.

The company operates in two segments: Consumer Payments and Business Payments. Payment acceptance solutions include debit/credit card processing, ACH processing, and digital wallets. The payments industry is experiencing growth in digital transactions, with ACH payments offering a cost-effective alternative to traditional card payments for businesses.

REPAY offers proprietary payment channels like web, mobile, and interactive voice response. They serve verticals such as personal and automotive loans, and receivables management. Business-to-business (B2B) payments represent a significant market opportunity as companies increasingly digitize their financial operations.

For more detailed financial analysis and competitive landscaping, consider exploring ValueRay.

Headlines to Watch Out For
  • Consumer loan volume impacts payment processing revenue
  • Business-to-business payment adoption drives growth
  • Regulatory changes in payment processing sector pose risk
  • Software integration partnerships expand market reach
Piotroski VR‑10 (Strict) 4.0
Net Income: -256.7m TTM > 0 and > 6% of Revenue
FCF/TA: 0.07 > 0.02 and ΔFCF/TA -0.70 > 1.0
NWC/Revenue: -14.17% < 20% (prev 55.26%; Δ -69.43% < -1%)
CFO/TA 0.08 > 3% & CFO 91.1m > Net Income -256.7m
Net Debt/EBITDA: error (EBITDA <= 0)
Current Ratio: 0.82 > 1.5 & < 3
Outstanding Shares: last quarter (82.1m) vs 12m ago -7.11% < -2%
Gross Margin: 75.02% > 18% (prev 0.77%; Δ 7.43k% > 0.5%)
Asset Turnover: 22.32% > 50% (prev 19.91%; Δ 2.40% > 0%)
Interest Coverage Ratio: -18.71 > 6 (EBITDA TTM -164.5m / Interest Expense TTM 13.9m)
Altman Z'' -3.97
A: -0.04 (Total Current Assets 196.8m - Total Current Liabilities 240.6m) / Total Assets 1.20b
B: -0.49 (Retained Earnings -590.5m / Total Assets 1.20b)
C: -0.19 (EBIT TTM -261.0m / Avg Total Assets 1.39b)
D: -0.82 (Book Value of Equity -590.5m / Total Liabilities 718.0m)
Altman-Z'' Score: -3.97 = D
Beneish M -3.20
DSRI: 1.12 (Receivables 36.4m/33.0m, Revenue 309.3m/313.0m)
GMI: 1.03 (GM 75.02% / 77.12%)
AQI: 1.01 (AQ_t 0.83 / AQ_t-1 0.82)
SGI: 0.99 (Revenue 309.3m / 313.0m)
TATA: -0.29 (NI -256.7m - CFO 91.1m) / TA 1.20b)
Beneish M-Score: -3.20 (Cap -4..+1) = AA
What is the price of RPAY shares? As of April 05, 2026, the stock is trading at USD 2.60 with a total of 2,427,790 shares traded.
Over the past week, the price has changed by -15.69%, over one month by -14.00%, over three months by -29.51% and over the past year by -51.59%.
Is RPAY a buy, sell or hold? Repay Holdings has received a consensus analysts rating of 4.00. Therefore, it is recommended to buy RPAY.
  • StrongBuy: 5
  • Buy: 1
  • Hold: 5
  • Sell: 0
  • StrongSell: 0
What are the forecasts/targets for the RPAY price?
Wallstreet Target Price 6.6 152.7%
Analysts Target Price 6.6 152.7%
RPAY Fundamental Data Overview as of 01 April 2026
P/E Forward = 3.2436
P/S = 0.8823
P/B = 0.4402
Revenue TTM = 309.3m USD
EBIT TTM = -261.0m USD
EBITDA TTM = -164.5m USD
Long Term Debt = 280.1m USD (from longTermDebt, last quarter)
Short Term Debt = 149.6m USD (from shortTermDebt, last quarter)
Debt = 436.9m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 321.2m USD (from netDebt column, last quarter)
Enterprise Value = 594.1m USD (272.9m + Debt 436.9m - CCE 115.7m)
Interest Coverage Ratio = -18.71 (Ebit TTM -261.0m / Interest Expense TTM 13.9m)
EV/FCF = 7.40x (Enterprise Value 594.1m / FCF TTM 80.3m)
FCF Yield = 13.52% (FCF TTM 80.3m / Enterprise Value 594.1m)
FCF Margin = 25.96% (FCF TTM 80.3m / Revenue TTM 309.3m)
Net Margin = -83.01% (Net Income TTM -256.7m / Revenue TTM 309.3m)
Gross Margin = 75.02% ((Revenue TTM 309.3m - Cost of Revenue TTM 77.2m) / Revenue TTM)
Gross Margin QoQ = 74.24% (prev 74.35%)
Tobins Q-Ratio = 0.50 (Enterprise Value 594.1m / Total Assets 1.20b)
Interest Expense / Debt = 1.07% (Interest Expense 4.67m / Debt 436.9m)
Taxrate = 21.0% (US default 21%)
NOPAT = -206.2m (EBIT -261.0m * (1 - 21.00%)) [loss with tax shield]
Current Ratio = 0.82 (Total Current Assets 196.8m / Total Current Liabilities 240.6m)
Debt / Equity = 0.90 (Debt 436.9m / totalStockholderEquity, last quarter 484.4m)
 Debt / EBITDA = -1.95 (negative EBITDA) (Net Debt 321.2m / EBITDA -164.5m)
 Debt / FCF = 4.00 (Net Debt 321.2m / FCF TTM 80.3m)
Total Stockholder Equity = 622.7m (last 4 quarters mean from totalStockholderEquity)
RoA = -18.52% (Net Income -256.7m / Total Assets 1.20b)
RoE = -41.23% (Net Income TTM -256.7m / Total Stockholder Equity 622.7m)
RoCE = -28.91% (EBIT -261.0m / Capital Employed (Equity 622.7m + L.T.Debt 280.1m))
 RoIC = -19.01% (negative operating profit) (NOPAT -206.2m / Invested Capital 1.08b)
 WACC = 4.58% (E(272.9m)/V(709.7m) * Re(10.57%) + D(436.9m)/V(709.7m) * Rd(1.07%) * (1-Tc(0.21)))
Discount Rate = 10.57% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -5.12%
[DCF] Terminal Value 88.44% ; FCFF base≈94.7m ; Y1≈116.8m ; Y5≈199.3m
[DCF] Fair Price = 66.45 (EV 5.78b - Net Debt 321.2m = Equity 5.46b / Shares 82.2m; r=6.0% [WACC]; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: -38.90 | EPS CAGR: -3.55% | SUE: -0.49 | # QB: 0
Revenue Correlation: 81.92 | Revenue CAGR: 4.11% | SUE: 0.60 | # QB: 0
EPS next Quarter (2026-06-30): EPS=0.21 | Chg7d=-0.021 | Chg30d=-0.021 | Revisions Net=-5 | Analysts=7
EPS current Year (2026-12-31): EPS=0.89 | Chg7d=-0.058 | Chg30d=-0.058 | Revisions Net=-7 | Growth EPS=+8.0% | Growth Revenue=+10.3%
EPS next Year (2027-12-31): EPS=0.93 | Chg7d=-0.033 | Chg30d=-0.033 | Revisions Net=+0 | Growth EPS=+5.3% | Growth Revenue=+4.7%
[Analyst] Revisions Ratio: -1.00 (0 Up / 5 Down within 30d for Next Quarter)
External Resources
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