Repay Holdings Corporation RPAY R2K

Technology · Software - Infrastructure · United States

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.

Market & Price

Market Cap

$341.78M

Current Price

$3.88

High / Low (52W)

$5.96 / $2.40

Beta

1.87

Valuation

Stock P/E

Industry PE

32.74

Forward P/E

3.99

PEG Ratio

Book Value

$5.92

Price to Book

0.65

P/S

1.09

EV/EBITDA

9.47

Dividend Yield

Profitability & Returns

ROCE

-27.42%

ROE

-43.94%

ROA

-0.39%

Profit Margin

-82.73%

Op Margin

-0.01%

EPS (Latest Qtr)

$-0.12

EPS (TTM)

$-3.03

Balance Sheet & Liquidity

Debt/Equity

0.84

Quick Ratio

1.14

Current Ratio

1.79

Debt

$400.27M

Total Assets

$1.20B

Current Assets

$196.83M

Working Capital

$-43.82M

Ownership

Promoter Holding

10.77%

Chg in Prom Hold

FII / Inst Holding

103.76%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$675.03M

Total Revenue (TTM)

$312.73M

EBITDA

$71.25M

Free Cash Flow

$45.65M

Operating Cash Flow

$105.43M

Shares Outstanding

82.80M

Gross Margin

75.10%

Payout Ratio

0.00%

Growth (CAGR)

Revenue 5Y

3.46%

Profit 5Y

-700.01%

Revenue (YoY)

4.50%

Earnings (YoY)

PROS

Generates positive free cash flow.

CONS

Earnings shrank at -700.0% CAGR over 5 years.
Trading 34.9% below its 52-week high.
In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

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 R2K	3.88	-	$341.78M	-	-27.42%	-43.94%	3.46%	-700.01%
2	NVDA NVIDIA Corporation NDXSPXAI	211.14	32.38	$5.11T	0.47%	81.14%	114.29%	100.05%	201.80%
3	AAPL Apple Inc. NDXSPX	312.06	37.73	$4.58T	0.35%	68.72%	141.47%	1.81%	3.92%
4	MSFT Microsoft Corporation NDXSPXAI	450.24	26.82	$3.34T	0.81%	26.37%	34.01%	12.42%	11.87%
5	TSM Taiwan Semiconductor Manufacturing Company Limited AI	418.45	35.86	$2.17T	0.91%	32.04%	36.21%	18.94%	19.57%
6	MU Micron Technology, Inc. NDXSPXAI	971.00	45.87	$1.10T	0.06%	14.20%	39.82%	6.71%	-0.57%
7	AMD Advanced Micro Devices, Inc. NDXSPXAI	516.10	172.61	$841.55B	-	6.33%	8.06%	13.64%	48.64%
8	ORCL Oracle Corporation SPXAI	225.78	40.46	$649.35B	0.89%	13.07%	57.57%	10.59%	22.81%
9	ASML ASML Holding N.V. NDXAI	1,612.76	53.76	$621.59B	0.54%	43.81%	52.24%	15.55%	19.55%

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	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 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	-	-	77.33M	75.63M	77.72M	78.58M	80.79M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	18.66M	18.40M	19.93M	20.24M	19.31M
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	51.00M	50.70M	54.92M	56.57M	54.94M	56.68M	61.55M	58.59M	-	-	58.66M	57.22M	57.79M	58.34M	61.49M
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	62.28M	58.34M	60.80M	62.63M	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	-	-	-3.62M	-1.12M	-3.01M	-4.28M	-7.00K
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	19.78M	-80.76M	20.30M	-120.28M	21.38M
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	3.11M	3.09M	3.08M	4.67M	3.84M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-8.62M	-109.33M	-8.43M	-150.58M	-8.00M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-452.00K	-1.30M	-1.81M	-2.31M	2.03M
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	-	-	-7.95M	-102.25M	-6.41M	-140.11M	-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	-	-	-0.09	-1.15	-0.08	-1.71	-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	-	279.23M	296.63M	313.04M	309.26M
Cost of Revenue	-	-	-	-	-	64.83M	69.70M	71.64M	77.24M
Gross Profit	-	-	-	113.59M	-	214.40M	226.92M	241.41M	232.02M
Operating Expenses	-	-	-	-	-	256.81M	252.51M	249.18M	244.05M
Operating Income	16.39M	16.61M	-48.21M	-32.01M	-	-42.41M	-25.59M	-7.77M	-12.03M
EBITDA	-	-	-	-	-	127.04M	-11.81M	100.66M	-160.96M
Interest Expense	-	-	-	-	-	4.38M	3.87M	7.87M	13.95M
Pretax Income	-	-	-	-	-	14.91M	-119.53M	-10.92M	-276.96M
Tax Provision	-	-	-	-	-	6.17M	-2.12M	-575.00K	-5.87M
Net Income	9.45M	10.54M	-	-105.60M	-	12.84M	-110.49M	-10.16M	-256.72M
Diluted EPS	-	-	-	-2.02	-	0.12	-1.23	-0.11	-3.00

Compounded Sales Growth

5 Years:	3.46%
1 Year:	4.50%

Compounded Profit Growth

5 Years:	-700.01%
1 Year:	-

Stock Price Performance

1 Year:	-19.33%
6 Months:	+17.58%
3 Months:	+39.57%
1 Month:	+2.92%

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	-	1.63B	1.52B	1.57B	1.20B
Current Assets	-	-	-	-	-	-	116.65M	180.65M	275.25M	196.83M
Cash & Equivalents	25.82K	13.29M	-	24.62M	91.13M	-	64.89M	118.10M	189.53M	115.69M
Inventory	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	33.54M	36.02M	32.95M	33.17M
Total Liabilities	156.60K	109.98M	-	321.53M	553.80M	-	698.51M	689.04M	798.74M	717.97M
Current Liabilities	156.60K	20.65M	-	51.96M	65.44M	-	82.11M	57.46M	102.25M	240.65M
Long Term Debt	-	89.32M	-	207.94M	249.95M	-	451.32M	434.17M	496.78M	280.06M
Total Debt	-	-	-	-	-	-	461.88M	443.04M	508.51M	436.88M
Total Equity	19.73K	5.00M	252.82M	254.35M	509.31M	-	894.56M	815.13M	761.27M	484.43M
Shares Outstanding	-	-	-	-	-	-	89.35M	92.22M	93.73M	95.14M

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	-	74.22M	103.61M	150.09M	91.11M
Investing Cash Flow	-3.44M	-5.80M	-145.98M	-	-39.54M	-24.09M	-44.85M	-41.98M
Financing Cash Flow	-8.99M	-8.21M	186.10M	-	-17.46M	-28.94M	-12.67M	-130.19M
Capital Expenditure	-448.60K	-913.50K	-994.00K	-	-39.54M	-64.36M	-44.85M	-41.98M
Free Cash Flow	20.69M	23.26M	27.49M	-	34.68M	39.25M	105.24M	49.13M
Net Change in Cash	-	-	-	-	17.22M	50.58M	92.56M	-81.06M
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%	-	76.8%	76.5%	77.1%	75.0%
Operating Margin %	17.4%	12.8%	-46.1%	-20.6%	-	-15.2%	-8.6%	-2.5%	-3.9%
Net Margin %	10.1%	8.1%	-	-68.1%	-	4.6%	-37.2%	-3.2%	-83.0%
ROE %	47,887.7%	210.7%	-	-20.7%	-	1.4%	-13.6%	-1.3%	-53.0%
ROCE %	83,066.8%	8.4%	-6.6%	-3.1%	-	-2.7%	-1.7%	-0.5%	-1.3%

Shareholding Pattern

Insiders

10.77%

Institutions

103.76%

Public Float

116.28%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Forager Capital Management, LLC	10.31%	9.24M	$35.86M
2	Veradace Capital Management, LLC	8.02%	7.19M	$27.91M
3	Blackrock Inc.	7.00%	6.28M	$24.37M
4	Private Management Group, Inc.	6.77%	6.08M	$23.57M
5	American Century Companies Inc	4.56%	4.09M	$15.86M
6	AQR Capital Management, LLC	4.45%	3.99M	$15.49M
7	Vanguard Capital Management LLC	3.59%	3.22M	$12.50M
8	Dimensional Fund Advisors LP	3.28%	2.94M	$11.42M
9	Portolan Capital Management, LLC	3.19%	2.86M	$11.08M
10	Whetstone Capital Advisors, LLC	3.00%	2.69M	$10.44M

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