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
$341.78M
Enterprise Value$537.09
Total Cash (Recent Filing)$43.77M
Total Debt (Recent Filing)$400.27M
Price to Earnings (P/E)―
Beta1.35
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda>-0.01
Forecast
1Y Price Target
$5.50Price Target Upside33.82% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering4
EPS Forecast (FY)0.93
Revenue Forecast (FY)$493.98M
Bulls Say, Bears Say
Bulls Say
Cash Generation / FCFRepay’s TTM operating cash flow exceeds its net loss and free cash flow is positive, providing durable internal funding to support operations, integration of acquisitions and debt servicing. Positive cash generation limits short-term dilution and gives management flexibility while profitability recovers.
High Adjusted EBITDA MarginsSustained high adjusted EBITDA margins (~42% guidance, ~43% in Q1) reflect a high-margin payments platform and operating leverage. Durable margins imply strong unit economics and potential to convert incremental revenue to cash, supporting debt paydown and reinvestment even if top-line growth is uneven.
Transformational Kubra AcquisitionThe Kubra acquisition materially increases scale — roughly doubling revenue and expanding reach to >40% of U.S./Canadian households monthly and >$130B annual volume. This structural scale enhances market position, cross-sell opportunities, and potential tech and cost synergies that can sustainably improve margins and cash flow.
Bears Say
Weak ProfitabilityDespite solid gross margins (~67% TTM), the company generates very large operating and net losses (TTM net margin ~-83%), undermining returns on equity and long-term earnings power. Sustained profitability recovery is required to justify the balance sheet and fund growth without recurring capital raises.
Integration & Execution RiskThe Kubra deal is transformational but brings significant integration, client-transition and regulatory execution risk. Failure to realize projected revenue/cost synergies or to retain customers could stall deleveraging plans, pressure margins and erode the strategic rationale behind the acquisition over the medium term.
Elevated Near-term LeveragePost-transaction financing increased near-term leverage (net leverage ~2.7% at quarter end and use of revolver), and new term loans funded Kubra. Elevated leverage reduces financial flexibility and requires disciplined free cash flow conversion and successful synergies to meet targets and avoid refinancing stress over the next 12–18 months.
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 $341.78M.
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 22 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
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 64%
Sector Average 64%
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
-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 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
1.48% Other Institutional Investors
44.28% Public Companies and
Individual Investors










