Repay Holdings Corp (RPAY)
NASDAQ:RPAY
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RPAY Stock Chart & Stats
$4.11
$0.00(0.00%)
At close: 4:00 PM EST
$4.11
$0.00(0.00%)
Day’s Range― - ―
52-Week Range$2.30 - $6.06
Previous CloseN/A
Volume76.09K
Average Volume (3M)1.37M
Market Cap
$321.52M
Enterprise Value$307.69M
Total Cash (Recent Filing)$43.77M
Total Debt (Recent Filing)$9.68M
Price to Earnings (P/E)―
Beta1.28
Next Earnings
Aug 12, 2026EPS Estimate
0.22Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)-3.06
Shares Outstanding82,800,950
10 Day Avg. Volume1,799,223
30 Day Avg. Volume1,365,884
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 Cap0.96
Enterprise Value/Revenue0.98
Enterprise Value/Gross Profit1.31
Enterprise Value/Ebitda-1.93
Forecast
1Y Price Target
$5.25Price Target Upside27.74% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering6
EPS Forecast (FY)0.92
Revenue Forecast (FY)$341.46M
Bulls Say, Bears Say
Bulls Say
Cash GenerationRepay's positive TTM operating cash flow and FCF provide durable internal funding to support operations, invest in product development, and absorb integration costs. Reliable cash generation reduces near-term refinancing risk, helps service debt, and underpins strategic flexibility over the next 2–3 years.
High Operating MarginsSustained adjusted-EBITDA margins near the low-40s indicate structural operating leverage in Repay's payments and embedded software model. High margins reflect recurring platform fees, routing/pricing advantages, and scale, making margins a durable source of cash that can fund growth or deleveraging if maintained.
Transformational AcquisitionThe Kubra acquisition materially expands Repay's addressable market, customer reach and processed volume, providing scale benefits, distribution into digital billing and bill-pay, and identifiable cost and revenue synergies that can sustainably boost recurring revenue and improve cash generation once integrated.
Bears Say
Weak ProfitabilityDespite strong gross margins, Repay's large operating and net losses produce deeply negative equity returns and question sustainable earnings power. To justify its asset base and fund growth without dilutive financing, the company needs persistent margin recovery and profitable scale over multiple quarters.
Integration & Leverage RiskThe acquisition increases near-term leverage and places execution demands on systems, clients, and regulatory approvals. Failure to realize synergies or slower-than-expected integration could erode projected cash accretion, delay deleveraging targets and constrain strategic flexibility for 12–24 months.
Revenue VolatilityA portion of Repay's reported growth is driven by episodic political media and seasonality, which makes topline less predictable and complicates capacity, margin planning and forecasting. Durable growth requires broad-based expansion in core verticals rather than lumpy, event-driven revenue.
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 $6.05 in the past 12 months.
What is Repay Holdings Corp’s market cap?
Repay Holdings Corp’s market cap is $321.52M.
When is Repay Holdings Corp’s upcoming earnings report date?
Repay Holdings Corp’s upcoming earnings report date is Aug 12, 2026 which is in 67 days.
How were Repay Holdings Corp’s earnings last quarter?
Repay Holdings Corp released its earnings results on May 04, 2026. The company reported $0.22 earnings per share for the quarter, beating the consensus estimate of $0.209 by $0.011.
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 0.22.
How many shares outstanding does Repay Holdings Corp have?
Repay Holdings Corp has 82,800,950 shares outstanding.
What happened to Repay Holdings Corp’s price movement after its last earnings report?
Repay Holdings Corp reported an EPS of $0.22 in its last earnings report, beating expectations of $0.209. Following the earnings report the stock price went down -10.75%.
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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Analyst Consensus
Moderate Buy
Average Price Target:
$5.25 (27.74% Upside)
$5.25 (27.74% Upside)
Blogger Sentiment
Bullish
RPAY Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 667.8K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $6.6M over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-51.41%
12-Months-Change
Fundamentals
Return on Equity
-46.76%
Trailing 12-Months
Asset Growth
-25.70%
Trailing 12-Months
Company Description
Repay Holdings Corp
Repay Holdings Corporation provides integrated payment processing solutions to industry-oriented markets. The company's payment processing solutions enable consumers and businesses to make payments using electronic payment methods. It also offers a range of solutions relating to electronic payment methods, including credit and debit processing, virtual credit card processing, automated clearing house (ACH) processing, enhanced ACH processing, and instant funding that are processed through its proprietary payment channels, such as Web-based, mobile application, text-to-pay, interactive voice response, and point of sale. In addition, the company provides payment processing solutions to customers primarily operating in the personal loans, automotive loans, receivables management, and business-to-business verticals. It sells its products through direct sales representatives and software integration partners. The company was founded in 2006 and is headquartered in Atlanta, Georgia.
RPAY Company Deck
RPAY Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call conveyed a generally positive operational and financial picture: revenue growth (4% Q1), strong Business Payments momentum (+18% YoY), high adjusted EBITDA margins (~43%) and raised full-year margin guidance. Management highlighted product innovation (AI, digital wallet), immediate accretion from a strategic investment, and a transformational Kubra acquisition expected to double revenue and expand scale. Key risks include near-term margin pressure from card network data program changes, modest Q1 free cash flow and active cash uses, integration and regulatory risk around Kubra, and elevated leverage near-term. Overall, the positives — including upgraded EBITDA outlook, clear growth guidance, and strategic scale from Kubra — outweigh the manageable lowlights.View all RPAY earnings summariesRPAY Stock 12 Month Forecast
Average Price Target
$5.25
▲(27.74% Upside)
Technical Analysis
I3 Verticals
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PaySign
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Priority Technology Holdings
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Payoneer
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Bakkt Holdings, Inc. Class A
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Ownership Overview
25.25% Insiders
18.12% Mutual Funds
41.84% Other Institutional Investors
2.02% Public Companies and
Individual Investors