Repay Holdings (RPAY) AI Stock Analysis

• Market Cap: $485.43M
• Dividend Yield: N/A
• Average Volume (3M): 1.03M
• Price to Earnings (P/E): ―
• Beta (1Y): 1.08
• Revenue Growth: 1.45%
• EPS Growth: -28.78%
• Country: US
• Employees: 465
• Sector: Technology
• Sector Strength: 80
• Industry: Software - Infrastructure
• EPS (TTM): 0.20
• Shares Outstanding: 81,548,740
• 10 Day Avg. Volume: 1,318,553
• 30 Day Avg. Volume: 1,026,504
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: 1.54
• Enterprise Value/Revenue: 2.40
• Enterprise Value/Gross Profit: 3.15
• Enterprise Value/Ebitda: -91.09
• 1Y Price Target: $7.31
• Price Target Upside: 32.19% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 8

• Rating: 58 Neutral
• Price Target: $6.00 ▲(8.50% Upside)

Repay Holdings' stock score is primarily influenced by its financial performance challenges, including consistent net losses and negative EBIT. However, strong cash flow metrics and a positive technical outlook provide some stability. The earnings call offers optimism for future growth, but valuation concerns due to negative earnings weigh on the score.

Positive Factors

Organic Growth

Repay Holdings is looking to capitalize on incremental monetization opportunities, such as targeting non-card payment volumes.

Strategic Initiatives

Strategic growth initiatives and a healthy sales pipeline are supporting the acceleration in the second half.

Negative Factors

Client Losses

One-time client losses continue to impact growth despite strategic initiatives.

Financial Performance

Q1 revenue and gross profit declined 4% and 5% year-over-year, respectively.

Repay Holdings Business Overview & Revenue Model

Company Description

Repay Holdings (RPAY) is a financial technology company that specializes in providing payment processing solutions for various industries, with a particular focus on the consumer finance and fintech sectors. The company offers a suite of products and services designed to facilitate electronic payments, improve operational efficiency, and enhance customer experiences through innovative technology. Key offerings include payment processing, digital wallets, and automated payment solutions, catering to businesses seeking to streamline their transaction processes.

How the Company Makes Money

Repay Holdings generates revenue primarily through transaction fees charged to merchants for processing payments. This includes fees for credit card processing, ACH transactions, and other electronic payment methods. In addition to transaction fees, the company also earns revenue from subscription services and software licensing for its payment processing platforms. Significant partnerships with financial institutions and technology providers enhance its service offerings and expand its customer base, further contributing to its earnings. Additionally, Repay may benefit from increased transaction volume driven by the growing trend towards digital payments across various sectors.

Repay Holdings Financial Statement Overview

Summary

Repay Holdings faces profitability challenges with consistent net losses and negative EBIT. However, strong gross profit margins and positive cash flow metrics provide some stability. Debt levels are manageable, but improvements in profitability are essential for long-term growth.

Income Statement

Repay Holdings has shown inconsistent revenue growth, with a declining trend from 2024 to TTM. The gross profit margin is strong but the consistent negative net income and EBIT margins indicate profitability challenges. The EBITDA margin remains positive but volatile.

Balance Sheet

The company maintains a moderate debt-to-equity ratio, reflecting balanced leverage, though the equity ratio has slightly decreased over time. Return on equity is negative due to persistent net losses, posing a risk.

Cash Flow

Free cash flow has shown positive growth, and operating cash flow exceeds net income, indicating strong cash generation despite negative earnings. The free cash flow to net income ratio is favorable, highlighting efficient cash management.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	310.37M	313.04M	296.63M	279.23M	219.26M	155.04M
Gross Profit	237.16M	241.41M	226.92M	214.40M	163.77M	113.59M
EBITDA	-8.19M	100.66M	78.27M	65.34M	43.72M	-54.47M
Net Income	-111.07M	-10.16M	-110.49M	12.84M	-50.08M	-105.60M
Balance Sheet
Total Assets	1.41B	1.57B	1.52B	1.63B	1.69B	1.11B
Cash, Cash Equivalents and Short-Term Investments	196.41M	189.53M	118.10M	64.89M	50.05M	91.13M
Total Debt	509.53M	508.51M	443.04M	461.88M	459.57M	267.08M
Total Liabilities	773.97M	798.74M	689.04M	698.51M	772.80M	553.80M
Stockholders Equity	633.70M	761.27M	815.13M	894.56M	874.00M	509.31M
Cash Flow
Free Cash Flow	96.25M	149.10M	102.88M	34.68M	29.82M	4.21M
Operating Cash Flow	96.81M	150.09M	103.61M	74.22M	53.33M	28.49M
Investing Cash Flow	-32.57M	-44.85M	-24.09M	-39.54M	-397.34M	-145.98M
Financing Cash Flow	-29.09M	-12.67M	-28.94M	-17.46M	313.84M	186.10M

Repay Holdings Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 5.53
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For RPAY, the sentiment is Positive. The current price of 5.53 is above the 20-day moving average (MA) of 5.27, above the 50-day MA of 5.03, and below the 200-day MA of 6.10, indicating a neutral trend. The MACD of 0.16 indicates Negative momentum. The RSI at 59.27 is Neutral, neither overbought nor oversold. The STOCH value of 63.96 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for RPAY.

Repay Holdings Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PAYO	75 Outperform	$2.42B	25.26	13.86%	―	13.02%	-2.57%
IIIV	73 Outperform	$1.01B	6.27	4.11%	―	-29.93%	389400.00%
PAYS	66 Neutral	$284.78M	42.74	19.65%	―	27.84%	-13.78%
PRTH	65 Neutral	$630.55M	30.17	57.39%	―	12.86%	―
Sector *	61 Neutral	$35.38B	6.84	-10.99%	1.97%	8.74%	-8.28%
RPAY	58 Neutral	$485.43M	―	-15.33%	―	1.45%	-28.78%
BKKT	41 Neutral	$183.40M	―	-70.04%	―	111.83%	73.52%

Repay Holdings Corporate Events

Repay Holdings Appoints New CFO Amid Financial Update

On August 7, 2025, Repay Holdings Corporation announced the appointment of Robert S. Houser as Chief Financial Officer, effective September 8, 2025. Houser, who previously held senior roles at Conduent and Fiserv, will replace Thomas E. Sullivan, who will return to his role as Chief Accounting Officer. The company also reported its second-quarter financial results for 2025, highlighting a sequential improvement in growth and strong free cash flow conversion. Despite a net loss impacted by a goodwill impairment, Repay Holdings reiterated its outlook for accelerating growth in the fourth quarter, supported by strategic investments and share repurchases.

Repay Holdings Conducts Annual Stockholders Meeting

On June 12, 2025, Repay Holdings Corporation conducted its annual stockholders meeting where three key proposals were voted on. The stockholders elected directors for terms expiring in 2026, approved executive compensation on a non-binding advisory basis, and ratified the appointment of Grant Thornton, LLP as the independent registered public accountant for the fiscal year ending December 31, 2025.