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RPAY Stock Chart & Stats
$3.80
$0.20(5.56%)
At close: 4:00 PM EDT
$3.80
$0.20(5.56%)
Day’s Range― - ―
52-Week Range$2.30 - $6.06
Previous CloseN/A
Volume373.04K
Average Volume (3M)1.37M
Market Cap
$325.92M
Enterprise Value$1.00K
Total Cash (Recent Filing)$83.66M
Total Debt (Recent Filing)$772.85M
Price to Earnings (P/E)―
Beta1.34
Next Earnings
Nov 11, 2026EPS Estimate
0.26Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)-2.04
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda>-0.01
Forecast
1Y Price Target
$4.25Price Target Upside11.84% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)0.91
Revenue Forecast (FY)$492.71M
Bulls Say, Bears Say
Bulls Say
Strong Cash GenerationRepay produces positive and growing free cash flow that exceeded net loss in the period, providing durable internal funding for integration costs, synergies and deleveraging. Strong FCF reduces reliance on external capital and supports reinvestment and debt paydown over the medium term.
Scale From KUBRA AcquisitionThe KUBRA acquisition materially increased scale and payment volume, expanding addressable markets and cross‑sell opportunities. Larger scale should improve negotiating leverage with networks and suppliers and make identified cost synergies and revenue opportunities more achievable over 2–3 years.
Expanding Partner And Vendor NetworkA large and growing AP vendor network plus extensive software partnerships drive distribution and recurring transaction flows, creating sticky, embedded payment relationships. This partner-led acquisition channel and network effect supports durable volume growth and customer retention.
Bears Say
Large Operating And Net LossesDespite revenue and gross margin strength, persistent and deep operating losses produce negative returns on equity and undermine long-term earnings quality. The company must convert scale and synergies into sustained EBITDA to normalize profitability and justify the balance sheet.
Gross Margin Compression From Acquisition MixKUBRA's lower‑margin print, mail and services mix has materially diluted consolidated gross margin. Without timely realization of cost and product synergies, the acquisition could structurally reduce consolidated profitability and pressure adjusted margins over the medium term.
Elevated Leverage And Refinancing ProfileNet leverage near 3.7x, sizable term loan and convertible notes raise interest expense and covenant/ refinancing risk. Achieving targeted deleveraging requires sustained cash generation and successful synergy realization; failure would constrain strategy and capital flexibility.
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 $325.92M.
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 90 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 0.26.
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 $0.2 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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Analyst Consensus
Moderate Buy
Average Price Target:
$4.25 (11.84% Upside)
$4.25 (11.84% Upside)
Blogger Sentiment
Bullish
RPAY Sentiment 75%
Sector Average 60%
Sector Average 60%
Hedge Fund Trend
Decreased
By 667.8K Shares
Last Quarter.
Last Quarter.
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
―
Trailing 12-Months
Asset Growth
13.76%
Trailing 12-Months
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
$4.25
▲(11.84% Upside)
Technical Analysis
Ownership Overview
25.49% Insiders
16.02% Mutual Funds
11.31% Other Institutional Investors
33.71% Public Companies and
Individual Investors