Repay Holdings (RPAY) AI Stock Analysis

• Market Cap: $504.69M
• Dividend Yield: N/A
• Average Volume (3M): 1.14M
• Price to Earnings (P/E): ―
• Beta (1Y): 0.99
• Revenue Growth: 2.26%
• EPS Growth: 85.37%
• Country: US
• Employees: 465
• Sector: Technology
• Sector Strength: 96
• Industry: Software - Infrastructure
• EPS (TTM): 0.22
• Shares Outstanding: 89,221,214
• 10 Day Avg. Volume: 924,388
• 30 Day Avg. Volume: 1,137,532
• PEG Ratio: 1.20
• Price to Book (P/B): 0.56
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 5.06
• Enterprise Value/Market Cap: 1.50
• Enterprise Value/Revenue: 0.61
• Enterprise Value/Gross Profit: 3.18
• Enterprise Value/Ebitda: 3.40
• 1Y Price Target: $6.93
• Price Target Upside: 36.69% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 7

• Rating: 55 Neutral
• Price Target: $5.00 ▼(-1.38%Downside)

Repay Holdings' overall score reflects its current profitability challenges and valuation concerns, offset by strong cash flow and strategic initiatives such as share repurchases. Technical indicators suggest stability, while the outlook from the earnings call and corporate events indicates potential for future growth.

Positive Factors

Financial Performance

The company expects sequential quarterly acceleration in normalized gross profit growth, including high-single to low-double-digit growth.

Monetization Opportunities

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

Strategic Growth Initiatives

Restarting strategic mergers and acquisitions could be an important growth component, as acquisitions have historically contributed to Repay Holdings' growth.

Negative Factors

Client Losses

Recent customer attrition needs to be addressed to assure investors it is not indicative of a trend.

Growth Challenges

Lower forward estimates primarily reflect lower Consumer Payments growth based on client loss impact.

Revenue Decline

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

Repay Holdings Business Overview & Revenue Model

Company Description

Repay Holdings Corporation provides integrated payment processing solutions to industry-oriented markets. The company's payment processing solutions enable consumers and businesses to make payments using electronic payment methods. It also offers a range of solutions relating to electronic payment methods, including credit and debit processing, virtual credit card processing, automated clearing house (ACH) processing, enhanced ACH processing, and instant funding that are processed through its proprietary payment channels, such as Web-based, mobile application, text-to-pay, interactive voice response, and point of sale. In addition, the company provides payment processing solutions to customers primarily operating in the personal loans, automotive loans, receivables management, and business-to-business verticals. It sells its products through direct sales representatives and software integration partners. The company was founded in 2006 and is headquartered in Atlanta, Georgia.

How the Company Makes Money

Repay Holdings generates revenue through a combination of transaction fees, subscription fees, and gateway service charges. The company earns transaction fees by processing payments on behalf of its clients, which include a percentage of the transaction value. Additionally, Repay offers subscription-based services for access to its payment platforms and value-added features, contributing to a steady revenue stream. Key revenue streams include partnerships with financial institutions and businesses in target sectors, where Repay integrates its solutions to offer seamless payment processing. Strategic acquisitions and collaborations further support its earnings by expanding its market presence and service offerings.

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 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	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	313.04M	296.63M	279.23M	219.26M	155.04M
Gross Profit	241.41M	226.92M	214.40M	163.77M	113.59M
EBITDA	100.66M	78.27M	65.34M	43.72M	-54.47M
Net Income	-10.16M	-110.49M	8.74M	-56.04M	-46.54M
Balance Sheet
Total Assets	1.57B	1.52B	1.63B	1.69B	1.11B
Cash, Cash Equivalents and Short-Term Investments	189.53M	118.10M	64.89M	50.05M	91.13M
Total Debt	508.51M	443.04M	461.88M	459.57M	267.08M
Total Liabilities	798.74M	689.04M	698.51M	772.80M	553.80M
Stockholders Equity	761.27M	815.13M	894.56M	874.00M	509.31M
Cash Flow
Free Cash Flow	149.10M	102.88M	34.68M	29.82M	4.21M
Operating Cash Flow	150.09M	103.61M	74.22M	53.33M	28.49M
Investing Cash Flow	-44.85M	-24.09M	-39.54M	-397.34M	-145.98M
Financing Cash Flow	-12.67M	-28.94M	-17.46M	313.84M	186.10M

Repay Holdings Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 5.07
• 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 Neutral. The current price of 5.07 is above the 20-day moving average (MA) of 5.00, above the 50-day MA of 4.85, and below the 200-day MA of 6.30, indicating a neutral trend. The MACD of 0.12 indicates Negative momentum. The RSI at 52.88 is Neutral, neither overbought nor oversold. The STOCH value of 70.45 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for RPAY.

Repay Holdings Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PAYS	75 Outperform	$419.10M	70.46	18.82%	―	26.77%	-13.24%
IIIV	73 Outperform	$960.63M	6.16	0.63%	―	-35.88%	4611.09%
PAYO	71 Outperform	$2.43B	22.47	15.97%	―	14.86%	-0.94%
Sector *	63 Neutral	$34.93B	5.90	-12.00%	2.00%	5.61%	-19.55%
PRTH	59 Neutral	$573.43M	―	57.39%	―	15.76%	82.78%
RPAY	55 Neutral	$504.69M	―	-1.64%	―	2.26%	85.37%
BKKT	42 Neutral	$242.99M	―	-60.94%	―	128.83%	73.67%

Repay Holdings Corporate Events

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.

The most recent analyst rating on (RPAY) stock is a Hold with a $10.00 price target. To see the full list of analyst forecasts on Repay Holdings stock, see the RPAY Stock Forecast page.

Repay Holdings Boosts Share Repurchase Program

On May 12, 2025, Repay Holdings announced its first quarter financial results for 2025, highlighting a strategic focus on growth despite a reported decline in gross profit due to client losses. The company concluded its strategic review process and increased its share repurchase program authorization to $75 million, signaling confidence in future growth and shareholder value. The Business Payments segment showed a 12% year-over-year growth, while the Consumer Payments segment experienced a decline. The company anticipates improved free cash flow conversion and gross profit growth throughout 2025.

The most recent analyst rating on (RPAY) stock is a Hold with a $10.00 price target. To see the full list of analyst forecasts on Repay Holdings stock, see the RPAY Stock Forecast page.