Repay Holdings Corporation RPAY R2KR3KTECH
Company Overview
Repay Holdings Corporation, a payments technology company, provides integrated payment processing solutions that enables consumers and businesses to make payments using electronic payment methods in the United States. It operates through two segments: Consumer Payments and Business Payments. The company offers payment acceptance solutions, such as debit and credit card processing, automated clearing house (ACH) processing, e-cash, and digital wallet services; virtual credit card processing, enhanced ACH processing, instant funding, clearing and settlement, and communication solutions; and proprietary payment channels that include Web-based, mobile application, text-to-pay, interactive voice response, and point of sale services. It serves customers primarily operating in the personal loans, automotive loans, receivables management, and business-to-business verticals through direct sales representatives and software integration partners. Repay Holdings Corporation was founded in 2006 and is headquartered in Atlanta, Georgia.
Why Investors Should Care
Revenue has grown at a 16.1% CAGR over the past five years.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Dec 2025 Revenue of $309.26M (-1.2% YoY); net profit $-256.72M.
- Trailing 12 Months Year-on-year growth — revenue +4.5%.
- 5-Year Trend Long-term compounding — revenue CAGR 16.1%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 16.06% |
| 1 Year: | 4.50% |
Stock Price Performance
| 1 Year: | -31.93% |
| 6 Months: | +31.97% |
| 3 Months: | +11.82% |
| 1 Month: | -2.76% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMABelow
- Price vs 200-DMAAbove
- RSI (14)53.05 · Neutral
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Compounding revenue at 16.1% over 5 years.
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
- Trading 34.9% below its 52-week high.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Technology).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | RPAY Repay Holdings Corporation R2KR3KTECH | 3.88 | -1.28 | $321.27M | 0.00% | -26.56% | -43.94% | 16.06% | - |
| 2 | NVDA NVIDIA Corporation NDXSPXR3KAITECH | 230.36 | 35.28 | $5.58T | 0.46% | 74.66% | 114.29% | 24.64% | 32.12% |
| 3 | AAPL Apple Inc. NDXSPXR3KTECH | 319.97 | 36.69 | $4.67T | 0.35% | 68.72% | 148.75% | 1.81% | 3.92% |
| 4 | MSFT Microsoft Corporation NDXSPXR3KAITECH | 499.70 | 27.85 | $3.71T | 0.73% | 26.33% | 34.04% | 9.93% | 11.90% |
| 5 | TSM Taiwan Semiconductor Manufacturing Company Limited AITECH | 426.34 | 37.46 | $2.21T | 0.91% | 30.20% | 39.97% | 18.94% | 19.57% |
| 6 | AVGO Broadcom Inc. NDXSPXR3KAITECH | 357.90 | 59.55 | $1.70T | 0.62% | 16.70% | 37.28% | 17.04% | 54.08% |
| 7 | MU Micron Technology, Inc. NDXSPXR3KAITECH | 1,016.59 | 22.97 | $1.15T | 0.06% | 13.69% | 66.64% | 13.68% | 26.02% |
| 8 | AMD Advanced Micro Devices, Inc. NDXSPXR3KAITECH | 477.57 | 122.14 | $779.62B | 0.00% | 5.47% | 10.20% | 11.81% | 66.28% |
| 9 | ASML ASML Holding N.V. NDXAITECH | 1,714.88 | 58.49 | $658.69B | 0.53% | 42.97% | 53.94% | 15.55% | 19.55% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Dec 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | 32.29M | - | 23.02M | 21.69M | 23.93M | - | 39.46M | 36.50M | 37.63M | 47.52M | 48.41M | 61.13M | 67.56M | 67.44M | 71.56M | 74.54M | 71.78M | 74.32M | 80.72M | 74.91M | 79.14M | 77.33M | 75.63M | 77.72M | 80.79M |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 51.00M | 50.70M | 54.92M | 56.57M | 54.94M | 56.68M | 61.55M | 58.59M | 61.56M | 58.66M | 57.22M | 57.79M | 61.49M |
| Operating Income | -5.27K | 1.68M | 6.00M | 5.21M | 3.72M | 6.31M | 5.63M | -14.15M | -13.46M | -3.38M | -6.69M | -13.11M | -8.79M | -12.33M | -12.22M | -6.91M | -16.57M | -5.43M | -17.96M | -9.87M | -5.12M | -2.50M | -3.42M | -675.00K | -3.62M | -104.90M | -3.01M | -7.00K |
| Net Income | -5.27K | 181.00K | 4.48M | 3.73M | 2.15M | 4.86M | 4.16M | -8.48M | -7.81M | -10.33M | -79.30M | -6.76M | -15.79M | -12.27M | -6.27M | 13.65M | 9.00K | 5.84M | -26.39M | -4.64M | -6.17M | -5.21M | -4.07M | 3.24M | -7.95M | -102.25M | -6.41M | -9.94M |
| Diluted EPS | - | - | - | - | - | - | - | - | - | - | - | - | -0.21 | -0.15 | -0.07 | 0.12 | 0.00 | 0.05 | -0.30 | -0.05 | -0.07 | -0.06 | -0.04 | 0.03 | -0.09 | -1.15 | -0.08 | -0.12 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 93.95M | 130.01M | 104.60M | 155.04M | 219.26M | 279.23M | 296.63M | 313.04M | 309.26M |
| Gross Profit | - | - | - | 113.59M | 163.77M | 214.40M | 226.92M | 241.41M | 232.02M |
| Operating Income | 16.39M | 16.61M | -48.21M | -32.01M | -54.00M | -47.20M | -111.41M | -7.77M | -254.72M |
| Net Income | 9.45M | 10.54M | - | -105.60M | -50.08M | 12.84M | -110.49M | -10.16M | -256.72M |
| Diluted EPS | - | - | - | -2.02 | -0.60 | 0.12 | -1.23 | -0.11 | -3.00 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2017 | Dec 2018 | Jul 2019 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | 176.33K | 219.06M | - | 782.04M | 1.11B | 1.69B | 1.63B | 1.52B | 1.57B | 1.20B |
| Total Equity | 19.73K | 5.00M | 252.82M | 254.35M | 509.31M | 874.00M | 894.56M | 815.13M | 761.27M | 484.43M |
| Cash & Equivalents | 25.82K | 13.29M | - | 24.62M | 91.13M | 50.05M | 64.89M | 118.10M | 189.53M | 115.69M |
| Long Term Debt | - | 89.32M | - | 207.94M | 249.95M | 448.49M | 451.32M | 434.17M | 496.78M | 280.06M |
| Total Liabilities | 156.60K | 109.98M | - | 321.53M | 553.80M | 772.80M | 698.51M | 689.04M | 798.74M | 717.97M |
| Current Liabilities | 156.60K | 20.65M | - | 51.96M | 65.44M | 92.35M | 82.11M | 57.46M | 102.25M | 240.65M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2017 | Dec 2018 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 21.14M | 24.18M | 28.49M | 53.33M | 74.22M | 103.61M | 150.09M | 91.11M |
| Investing Cash Flow | -3.44M | -5.80M | -145.98M | -397.33M | -39.54M | -24.09M | -44.85M | -41.98M |
| Financing Cash Flow | -8.99M | -8.21M | 186.10M | 313.84M | -17.46M | -28.94M | -12.67M | -130.19M |
| Capital Expenditure | -448.60K | -913.50K | -994.00K | -2.86M | -3.18M | -733.00K | -989.00K | -286.00K |
| Free Cash Flow | 20.69M | 23.26M | 27.49M | 50.47M | 71.05M | 102.88M | 149.10M | 90.83M |
| Share Buybacks | - | - | 1.42M | 4.04M | 2.66M | 1.89M | - | - |
Ratios (Annual)
Figures in %.
| Metric | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | 73.3% | 74.7% | 76.8% | 76.5% | 77.1% | 75.0% |
| Operating Margin % | 17.4% | 12.8% | -46.1% | -20.6% | -24.6% | -16.9% | -37.6% | -2.5% | -82.4% |
| Net Margin % | 10.1% | 8.1% | - | -68.1% | -22.8% | 4.6% | -37.2% | -3.2% | -83.0% |
| ROE % | 47,887.7% | 210.7% | - | -20.7% | -5.7% | 1.4% | -13.6% | -1.3% | -53.0% |
| ROCE % | 83,066.8% | 8.4% | -6.6% | -3.1% | -3.4% | -3.1% | -7.6% | -0.5% | -26.6% |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Forager Capital Management, LLC | 12.36% | 11.11M | $41.54M |
| 2 | Veradace Capital Management, LLC | 8.02% | 7.21M | $26.96M |
| 3 | Private Management Group, Inc. | 7.24% | 6.51M | $24.35M |
| 4 | Blackrock Inc. | 6.97% | 6.26M | $23.43M |
| 5 | American Century Companies Inc | 6.81% | 6.12M | $22.89M |
| 6 | AQR Capital Management, LLC | 5.01% | 4.50M | $16.83M |
| 7 | Vanguard Capital Management LLC | 3.43% | 3.08M | $11.53M |
| 8 | Dimensional Fund Advisors LP | 3.20% | 2.87M | $10.75M |
| 9 | Pacific Ridge Capital Partners, LLC | 2.49% | 2.24M | $8.38M |
| 10 | State Street Corporation | 2.19% | 1.97M | $7.35M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for RPAY
REPAY Partners with NxtEdge by DiningEdge to Deliver Embedded AP Payments for Hospitality and Food & Beverage Operators
ATLANTA, August 26, 2026--REPAY’s Payables Platform is embedded within the NxtEdge platform, enabling end-to-end AP automation for food, beverage, and hospitality businesses.
Earnings Estimates Rising for Repay Holdings (RPAY): Will It Gain?
Repay Holdings (RPAY) shares have started gaining and might continue moving higher in the near term, as indicated by solid earnings estimate revisions.
Repay Holdings (RPAY) Q2 2026 Earnings Call Transcript
KUBRA acquisition doubled pro forma revenue; management targets deleveraging below 3.0x in 18 months.
Repay Holdings Corp (RPAY) (Q2 2026) Earnings Call Highlights: Strong Revenue Growth and KUBRA ...
Repay Holdings Corp (RPAY) reports 33% revenue growth in Q2 2026, with KUBRA integration on track and a clear path to double-digit organic growth in the second half.
Repay Q2 Earnings Call Highlights
Repay (NASDAQ:RPAY) reported second-quarter revenue growth of 33% as the payments company began consolidating results from its June acquisition of KUBRA, while management reiterated its full-year outlook and outlined integration, synergy an…
REPAY Reports Second Quarter 2026 Financial Results
ATLANTA, August 10, 2026--Repay Holdings Corporation (NASDAQ: RPAY) ("REPAY" or the "Company"), a leading provider of bill payment solutions, today reported financial results for its second quarter ended June 30, 2026.…
RPAY — Frequently Asked Questions
What is the current share price of Repay Holdings Corporation (RPAY)?
As of 2026-09-07 16:24 PDT, Repay Holdings Corporation (RPAY) trades at $3.88 on NasdaqCM. Its 52-week range is $2.40 to $5.96.
What is the market capitalisation of RPAY?
Repay Holdings Corporation (RPAY) has a market capitalisation of $321.27M on NasdaqCM.
What is the P/E ratio of RPAY?
RPAY trades at a trailing price-to-earnings (P/E) ratio of -1.28. The industry average P/E is 32.42. Its price-to-book (P/B) ratio is 0.57.
What is the return on equity (ROE) of RPAY?
RPAY has a return on equity (ROE) of -43.94%. Its return on capital employed (ROCE) is -26.56%.
Is RPAY a good stock to buy?
This page provides a data-driven analysis of Repay Holdings Corporation (RPAY), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.