Repay Holdings Corp (RPAY)
NASDAQ:RPAY
Want to see RPAY full AI Analyst Report?
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
$315.35M
Enterprise Value$648.95M
Total Cash (Recent Filing)$43.77M
Total Debt (Recent Filing)$400.27M
Price to Earnings (P/E)―
Beta1.26
Next Earnings
Aug 12, 2026EPS Estimate
0.23Next 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 Cap2.06
Enterprise Value/Revenue2.08
Enterprise Value/Gross Profit2.76
Enterprise Value/Ebitda-4.07
Forecast
1Y Price Target
$5.50Price Target Upside33.82% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering4
EPS Forecast (FY)0.92
Revenue Forecast (FY)$341.43M
Bulls Say, Bears Say
Bulls Say
Cash GenerationSustained positive operating and free cash flow provides durable internal funding for product investment, integration and debt service. Over the next 2–6 months this cushions working capital needs and supports Kubra integration spend without immediate equity raises, provided cash conversion stabilizes.
High Gross MarginsElevated gross margins reflect favorable unit economics in embedded payments and mix toward higher-margin services. This structural margin cushion supports sustainment of high adjusted EBITDA margins as scale grows, enabling durable cash generation and margin resiliency through payment-rail and client-mix shifts.
Transformational Kubra DealClosing Kubra materially scales the business—management expects roughly double revenue and expanded household reach—creating a structurally larger platform with greater cross-sell and network effects. If synergies are realized, the deal should materially improve long-term cash flow and competitive positioning.
Bears Say
Large Net LossesPersistent large operating and net losses mean realized profits lag revenue and place heavy burden on cash generation and synergies to bridge the gap. Over months, continued negative margins constrain reinvestment, equity returns and require consistent FCF or financing to sustain operations and strategic initiatives.
Elevated Leverage & Integration RiskAcquisition financing raises near-term leverage and execution risk: deleveraging targets require timely synergy realization and strong FCF. Integration, regulatory approvals and client migrations can delay benefits, tightening liquidity flexibility and increasing refinancing or covenant risk within the next 12–18 months.
Revenue Volatility & Gross-profit HeadwindsMaterial dependence on lumpy political media and seasonality, plus card network data-program changes that hit gross profit, create structural variability in revenue and margins. This complicates planning, weakens predictability of adjusted EBITDA conversion, and raises the bar for sustained margin guidance.
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 $315.35M.
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 44 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 0.23.
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
Underperform
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$5.50 (33.82% Upside)
$5.50 (33.82% 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 $4.7M over
the Last 3 Months
the Last 3 Months
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 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
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
$5.50
▲(33.82% Upside)
Technical Analysis
I3 Verticals
―
PaySign
―
Priority Technology Holdings
―
Payoneer
―
Bakkt Holdings, Inc. Class A
―
Ownership Overview
25.44% Insiders
16.02% Mutual Funds
41.84% Other Institutional Investors
3.60% Public Companies and
Individual Investors