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RPAY Stock Chart & Stats
$3.74
$0.20(5.56%)
At close: 4:00 PM EDT
$3.74
$0.20(5.56%)
Day’s Range― - ―
52-Week Range$2.30 - $5.25
Previous CloseN/A
Volume373.04K
Average Volume (3M)367.38K
Market Cap
$365.97M
Enterprise Value$1.00B
Total Cash (Recent Filing)$83.66M
Total Debt (Recent Filing)$772.85M
Price to Earnings (P/E)―
Beta1.29
Next Earnings
Nov 11, 2026EPS Estimate
0.24Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)-2.04
Shares Outstanding82,898,506
10 Day Avg. Volume292,227
30 Day Avg. Volume367,380
Financial Highlights & Ratios
PEG Ratio>-0.01
Price to Book (P/B)0.64
Price to Sales (P/S)1.01
P/FCF Ratio3.43
Enterprise Value/Market Cap2.73
Enterprise Value/Revenue2.96
Enterprise Value/Gross Profit4.03
Enterprise Value/Ebitda-17.49
Forecast
1Y Price Target
$8.00Price Target Upside113.90% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)0.93
Revenue Forecast (FY)$492.08M
Bulls Say, Bears Say
Bulls Say
Revenue Growth And OutlookStrong reported growth, positive organic expansion, and reiterated full-year guidance indicate sustained demand across REPAY’s payment verticals. Continued transaction growth and integration of KUBRA can broaden the revenue base and support multi-quarter operating scale.
Cash GenerationPositive and improving cash generation provides funding for debt service, reinvestment, and integration costs despite reported accounting losses. Resilient free cash flow gives REPAY greater flexibility to execute its growth strategy and reduce financial obligations over time.
Platform Scale And SynergiesThe KUBRA combination materially expands REPAY’s platform reach, payment volume, and software-partner ecosystem. Early synergy realization supports the strategic rationale, while further cost savings and revenue opportunities could strengthen scale economics as integration progresses.
Bears Say
Persistent Net LossesLarge ongoing losses show that REPAY’s strong gross economics have not yet translated into sustainable GAAP profitability. Continued losses can constrain retained capital, increase dependence on cash generation, and make earnings improvement a central requirement for financial resilience.
Elevated LeverageHigher leverage reduces financial flexibility and makes debt service more important while profitability remains negative. REPAY’s below-3x deleveraging target depends on continued cash generation and execution, leaving balance-sheet risk elevated over the next several quarters.
Acquisition-Driven Margin PressureKUBRA’s lower-margin revenue mix is diluting consolidated profitability as the acquisition becomes fully reflected in results. Although management expects gradual improvement from synergies, restoring margins depends on integration progress and mix evolution rather than current performance alone.
Repay Holdings News
RPAY FAQ
What was Repay Holdings Corp’s price range in the past 12 months?
Repay Holdings Corp lowest stock price was $2.30 and its highest was $5.25 in the past 12 months.
What is Repay Holdings Corp’s market cap?
Repay Holdings Corp’s market cap is $365.97M.
When is Repay Holdings Corp’s upcoming earnings report date?
Repay Holdings Corp’s upcoming earnings report date is Nov 11, 2026 which is in 21 days.
How were Repay Holdings Corp’s earnings last quarter?
Repay Holdings Corp released its earnings results on Aug 10, 2026. The company reported $0.2 earnings per share for the quarter, missing the consensus estimate of $0.212 by -$0.012.
Is Repay Holdings Corp overvalued?
According to Wall Street analysts Repay Holdings Corp’s price is currently Undervalued.
Does Repay Holdings Corp pay dividends?
Repay Holdings Corp does not currently pay dividends.
What is Repay Holdings Corp’s EPS estimate?
Repay Holdings Corp’s EPS estimate is 0.24.
How many shares outstanding does Repay Holdings Corp have?
Repay Holdings Corp has 82,898,506 shares outstanding.
What happened to Repay Holdings Corp’s price movement after its last earnings report?
Repay Holdings Corp reported an EPS of $0.2 in its last earnings report, missing expectations of $0.212. Following the earnings report the stock price went down -3.394%.
Which hedge fund is a major shareholder of Repay Holdings Corp?
Currently, no hedge funds are holding shares in RPAY
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Repay Holdings Stock Smart Score
Neutral
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10
Analyst Consensus
Moderate Buy
Average Price Target:
$8.00 (113.90% Upside)
$8.00 (113.90% Upside)
Blogger Sentiment
Bullish
RPAY Sentiment 80%
Sector Average 65%
Sector Average 65%
Hedge Fund Trend
Decreased
By 108.0K Shares
Last Quarter.
Last Quarter.
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
-10.36%
12-Months-Change
Fundamentals
Return on Equity
-32.64%
Trailing 12-Months
Asset Growth
13.76%
Trailing 12-Months
Learn more about TipRanks Smart Score
Company Description
Repay Holdings Corp
Repay Holdings Corporation specializes in delivering comprehensive payment technology solutions, specifically designed for various specialized markets. The company empowers consumers and businesses alike to conduct electronic transactions efficiently. Repay's diverse portfolio of digital payment services includes processing for credit and debit cards, virtual card capabilities, both standard and enhanced Automated Clearing House (ACH) transactions, and immediate funding options. These services are seamlessly facilitated through its proprietary, multi-channel platforms, which feature web-based portals, mobile applications, text-to-pay functionality, interactive voice response (IVR) systems, and point-of-sale terminals. Repay primarily serves clients within the personal loans, automotive loans, receivables management, and business-to-business (B2B) sectors. Its solutions are distributed through a dedicated direct sales team and strategic software integration partnerships. Founded in 2006, Repay Holdings Corporation is headquartered in Atlanta, Georgia.
RPAY Company Deck
RPAY Earnings Call
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call conveyed strong top-line momentum, meaningful cash generation and a detailed, actionable integration and synergy plan following the KUBRA acquisition. Key strengths include 33% reported revenue growth, solid organic expansion, rapid realization of initial synergies (> $4.5M run-rate), expanded platform scale (pro forma revenue doubled and >$130B annualized payment volume), and robust Business Payments traction (AP network +65% YoY). Main concerns are near-term margin dilution from KUBRA's lower-margin mix (gross margin down ~6ppt), elevated leverage (~3.7x) and execution risk around phased platform integrations and client migration timelines. Management reiterated guidance and provided clear deleveraging and synergy targets, suggesting confidence in returning margins and leverage to target levels over 2026–2028.View all RPAY earnings summariesRPAY Stock 12 Month Forecast
Average Price Target
$8.00
▲(113.90% Upside)
Technical Analysis
Ownership Overview
25.16% Insiders
16.00% Mutual Funds
1.82% Other Institutional Investors
41.89% Public Companies and
Individual Investors