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Repay Holdings Corporation (RPAY) 10-Year Financial Performance & Capital Metrics

RPAY • • Industrial / General
TechnologyInfrastructure SoftwarePayment Processing & Digital CommerceEnterprise Payment Processors
AboutRepay 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.Show more
  • Revenue $313M +5.5%
  • EBITDA $96M +450.9%
  • Net Income -$10M +90.8%
  • EPS (Diluted) -0.11 +91.1%
  • Gross Margin 77.12% +0.8%
  • EBITDA Margin 30.65% +432.5%
  • Operating Margin -2.48% +93.4%
  • Net Margin -3.24% +91.3%
  • ROE -1.27% +89.9%
  • ROIC -0.52% +92.3%
  • Debt/Equity 0.66 +23.3%
  • Interest Coverage -0.99 +99.1%
Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

  • ✓FCF machine: 33.6% free cash flow margin
  • ✓Strong 5Y sales CAGR of 24.5%
  • ✓Trading at only 0.4x book value

✗Weaknesses

  • ✗Trading more than 30% below 52-week high
  • ✗Low asset turnover indicates capital-intensive operations

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

Price & Volume

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Growth Metrics

Revenue CAGR

10Y-
5Y24.51%
3Y12.6%
TTM-0.58%

Profit (Net Income) CAGR

10Y-
5Y-
3Y-
TTM-52.19%

EPS CAGR

10Y-
5Y-
3Y-
TTM-57%

ROCE

10Y Avg-0.79%
5Y Avg-3.73%
3Y Avg-3.65%
Latest-0.53%

Peer Comparison

Enterprise Payment Processors
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Sector-Specific
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TOSTToast, Inc.17.39B33.761048.4528.33%4.66%13.56%1.76%0.02
DLODLocal Limited2.42B14.5937.4114.7%17.8%33.87%0.11
IIIVi3 Verticals, Inc.615.36M25.6736.67-7.29%55.87%25.96%0.93%0.01
ACIWACI Worldwide, Inc.4.48B43.4922.779.76%15.07%17.64%7.66%0.67
FOURShift4 Payments, Inc.4.45B65.9121.7529.86%5.02%8.73%6.97%2.83
WEXWEX Inc.5.51B160.5721.413.15%10.81%25.38%6.07%2.99
EVTCEVERTEC, Inc.1.93B30.1217.4121.7%16.17%20.63%8.91%1.86
XYZBlock, Inc.35.55B64.9214.2710.06%13.08%13.95%4.37%0.37

Profit & Loss

Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024
Sales/Revenue+82.3M93.95M130.01M104.6M155.04M219.26M279.23M296.63M313.04M
Revenue Growth %-0.14%0.38%-0.2%0.48%0.41%0.27%0.06%0.06%
Cost of Goods Sold+53.24M57.6M1.15M25.87M41.45M55.48M64.83M69.7M71.64M
COGS % of Revenue0.65%0.61%0.01%0.25%0.27%0.25%0.23%0.23%0.23%
Gross Profit+29.06M36.35M128.86M78.73M113.59M163.77M214.4M226.92M241.41M
Gross Margin %0.35%0.39%0.99%0.75%0.73%0.75%0.77%0.77%0.77%
Gross Profit Growth %-0.25%2.55%-0.39%0.44%0.44%0.31%0.06%0.06%
Operating Expenses+27.32M22.06M1.15M126.94M145.6M217.77M261.6M338.34M249.18M
OpEx % of Revenue0.33%0.23%0.01%1.21%0.94%0.99%0.94%1.14%0.8%
Selling, General & Admin23.57M14.6M1.15M000149.06M0145.47M
SG&A % of Revenue0.29%0.16%0.01%---0.53%-0.46%
Research & Development000000000
R&D % of Revenue---------
Other Operating Expenses0-1.23M0126.94M145.6M217.77M112.54M338.34M103.71M
Operating Income+1.75M16.39M-1.15M-48.21M-32.01M-54M-47.2M-111.41M-7.77M
Operating Margin %0.02%0.17%-0.01%-0.46%-0.21%-0.25%-0.17%-0.38%-0.02%
Operating Income Growth %-8.39%-1.07%-40.88%0.34%-0.69%0.13%-1.36%0.93%
EBITDA+5.44M23.85M9.27M-18.23M28.8M27.23M60.55M-27.34M95.94M
EBITDA Margin %0.07%0.25%0.07%-0.17%0.19%0.12%0.22%-0.09%0.31%
EBITDA Growth %-3.38%-0.61%-2.97%2.58%-0.05%1.22%-1.45%4.51%
D&A (Non-Cash Add-back)3.7M7.46M10.42M29.98M60.81M81.23M107.75M84.07M103.71M
EBIT1.75M15.15M16.61M-28.11M-34.52M-45.97M19.29M-25.59M-3.05M
Net Interest Income+0-5.71M-6.07M-9.07M-14.45M-3.68M-4.25M-1.05M-1.88M
Interest Income2.25M00000130K05.99M
Interest Expense05.71M6.07M9.07M14.45M3.68M4.38M1.05M7.87M
Other Income/Expense-2.26M-6.94M-6.07M-17.36M-73M-32.73M62.12M-8.12M-3.15M
Pretax Income+-511.71K9.45M1.52M-65.57M-105.01M-86.73M14.91M-119.53M-10.92M
Pretax Margin %-0.01%0.1%0.01%-0.63%-0.68%-0.4%0.05%-0.4%-0.03%
Income Tax+00-2.67M4.99M12.36M-30.69M6.17M-2.12M-575K
Effective Tax Rate %1%1%1%0.84%1.01%0.58%0.86%0.92%0.93%
Net Income+-511.71K9.45M1.52M-55.29M-105.6M-50.08M12.84M-110.49M-10.16M
Net Margin %-0.01%0.1%0.01%-0.53%-0.68%-0.23%0.05%-0.37%-0.03%
Net Income Growth %-19.46%-0.84%-37.29%-0.91%0.53%1.26%-9.61%0.91%
Net Income (Continuing)-511.71K9.45M10.54M-70.56M-117.37M-56.04M8.74M-117.42M-10.35M
Discontinued Operations000000000
Minority Interest000206.16M46.87M39.03M33.73M15.65M11.9M
EPS (Diluted)+-0.081.450.050.28-0.67-0.600.12-1.23-0.11
EPS Growth %-19.59%-0.97%4.93%-3.39%0.1%1.2%-11.25%0.91%
EPS (Basic)-0.081.450.050.28-0.67-0.600.14-1.23-0.11
Diluted Shares Outstanding6.6M6.52M32.25M37.53M52.18M83.32M110.67M90.05M89.92M
Basic Shares Outstanding6.6M6.52M32.25M37.53M52.18M83.32M88.79M90.05M89.92M
Dividend Payout Ratio-0.58%4.14%---0.07%--

Balance Sheet

Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024
Total Current Assets+5.82M25.82K239.43K43.88M119.37M95.71M116.65M180.65M275.25M
Cash & Short-Term Investments2.78M25.82K108.82K24.62M91.13M50.05M64.89M118.1M189.53M
Cash Only2.78M25.82K108.82K24.62M91.13M50.05M64.89M118.1M189.53M
Short-Term Investments000000000
Accounts Receivable2.84M05.98M14.63M21.31M33.24M33.54M36.02M32.95M
Days Sales Outstanding12.59-16.7951.0550.1755.3343.8544.3238.42
Inventory0-4.87M-5.98M000000
Days Inventory Outstanding---------
Other Current Assets00000-3218.21M26.53M35.65M
Total Non-Current Assets+158.62M150.51K263.25M738.16M990.61M1.59B1.51B1.34B1.3B
Property, Plant & Equipment441.39K743.28K1.25M1.61M11.7M14.3M14.22M11.16M13.53M
Fixed Asset Turnover186.44x126.40x104.25x64.94x13.25x15.33x19.63x26.59x23.15x
Goodwill94.05M119.53M119.53M389.66M458.97M824.08M827.81M716.79M716.79M
Intangible Assets62.53M73.37M68.22M333.05M369.23M577.69M500.57M447.14M389.03M
Long-Term Investments00263.25M13.28M0028.67M26.05M11.53M
Other Non-Current Assets1.6M-193.49M263.25M13.84M15.37M28.79M2.5M-8.82M2.5M
Total Assets+164.44M176.33K263.49M782.04M1.11B1.69B1.63B1.52B1.57B
Asset Turnover0.50x532.81x0.49x0.13x0.14x0.13x0.17x0.20x0.20x
Asset Growth %--1%1493.32%1.97%0.42%0.52%-0.04%-0.07%0.03%
Total Current Liabilities+8.37M156.6K320.75K51.71M65.44M92.35M82.11M57.46M102.25M
Accounts Payable1.2M02.91M9.59M11.88M20.08M21.78M22.03M28.91M
Days Payables Outstanding8.21-922.42135.23104.62132.12122.64115.36147.31
Short-Term Debt2.5M156.6K4.9M5.5M6.76M0000
Deferred Revenue (Current)0-1000K-1000K1000K00000
Other Current Liabilities0-1.41M0-9.88M10.24M26.06M29.05M898K16.6M
Current Ratio0.69x0.16x0.75x0.85x1.82x1.04x1.42x3.14x2.69x
Quick Ratio0.69x31.25x19.39x0.85x1.82x1.04x1.42x3.14x2.69x
Cash Conversion Cycle---------
Total Non-Current Liabilities+56.6M156.6K9.69M269.82M488.36M680.46M616.4M631.58M696.49M
Long-Term Debt56.6M089.32M207.94M249.95M448.49M451.32M434.17M496.78M
Capital Lease Obligations00008.84M9.09M8.29M7.25M10.51M
Deferred Tax Liabilities000768.34K0016.31M00
Other Non-Current Liabilities0016.86K60.86M229.57M222.88M156.79M190.17M189.21M
Total Liabilities64.97M156.6K10.01M321.53M553.8M772.8M698.51M689.04M798.74M
Total Debt+59.1M156.6K94.22M213.44M267.08M459.57M461.88M443.04M508.51M
Net Debt56.32M130.78K94.11M188.82M175.95M409.52M396.98M324.95M318.99M
Debt / Equity0.59x7.94x0.37x0.46x0.48x0.50x0.50x0.53x0.66x
Debt / EBITDA10.86x0.01x10.16x-9.27x16.88x7.63x-5.30x
Net Debt / EBITDA10.35x0.01x10.15x-6.11x15.04x6.56x-3.32x
Interest Coverage-2.87x-0.19x-5.32x-2.22x-14.68x-10.79x-106.31x-0.99x
Total Equity+99.46M19.73K253.48M460.52M556.18M913.04M928.29M830.79M773.17M
Equity Growth %--1%12846.61%0.82%0.21%0.64%0.02%-0.11%-0.07%
Book Value per Share15.080.007.8612.2710.6610.968.399.238.60
Total Shareholders' Equity99.46M19.73K253.48M254.35M509.31M874M894.56M815.13M761.27M
Common Stock99.46M647248.48M3.75K7.13K9K9K9K9K
Retained Earnings0-5.27K1.52M-53.88M-175.93M-226.02M-213.18M-323.67M-333.83M
Treasury Stock000000-10M-12.53M-53.78M
Accumulated OCI00-109.08M313.4K-6.44M-2K-3K-3K0
Minority Interest000206.16M46.87M39.03M33.73M15.65M11.9M

Cash Flow

Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024
Cash from Operations+2.8M21.14M-961.1K21.29M28.49M53.33M74.22M103.61M150.09M
Operating CF Margin %0.03%0.23%-0.01%0.2%0.18%0.24%0.27%0.35%0.48%
Operating CF Growth %-6.56%-1.05%23.15%0.34%0.87%0.39%0.4%0.45%
Net Income-511.71K9.45M1.52M-55.29M-117.37M-56.04M8.74M-117.42M-10.35M
Depreciation & Amortization3.7M7.46M10.42M30.77M60.81M89.69M107.75M103.86M103.71M
Stock-Based Compensation136.73K622.41K796.97K22.92M19.45M22.31M20.25M22.16M24.39M
Deferred Taxes05.07K0081K-16.62M-62.68M3.02M12.05M
Other Non-Cash Items696.19K993.15K-2.67M588.6K65.66M24.34M-1.03M88.91M-10.11M
Working Capital Changes-1.22M2.62M190.13K22.3M-143K-10.36M1.18M3.08M30.39M
Change in Receivables-680.28K-1.05M-1.53M-3.84M-2.33M-6.52M696K-3.99M3.07M
Change in Inventory000000000
Change in Payables090.32K320.75K038K4.77M1.7M-189K6.88M
Cash from Investing+-62.43M-3.44M-260.58M-339.13M-145.98M-397.33M-39.54M-24.09M-44.85M
Capital Expenditures-319.89K-3.44M-5.8M-701.54K-994K-2.86M-3.18M-733K-989K
CapEx % of Revenue0%0.04%0.04%0.01%0.01%0.01%0.01%0%0%
Acquisitions---------
Investments---------
Other Investing-1.65M-2.99M-4.88M-7.22M-23.28M-18.14M-36.37M-63.63M-43.86M
Cash from Financing+65.96M-8.99M261.62M350.69M186.1M313.84M-17.46M-28.94M-12.67M
Debt Issued (Net)---------
Equity Issued (Net)---------
Dividends Paid-6.34M-5.48M-6.31M-6.9M-1.5M-62K-951K-3.52M-2.35M
Share Repurchases---------
Other Financing74.09M-2.04M0238.92M-364.61M-21.5M-6.51M-2.89M-51.13M
Net Change in Cash---------
Free Cash Flow+2.48M17.71M-6.76M20.58M4.21M29.82M34.68M39.25M105.24M
FCF Margin %0.03%0.19%-0.05%0.2%0.03%0.14%0.12%0.13%0.34%
FCF Growth %-6.14%-1.38%4.05%-0.8%6.08%0.16%0.13%1.68%
FCF per Share0.382.71-0.210.550.080.360.310.441.17
FCF Conversion (FCF/Net Income)-5.47x2.24x-0.63x-0.38x-0.27x-1.06x5.78x-0.94x-14.78x
Interest Paid05.47M5.67M8.28M11.49M1.14M1.54M1.02M4.84M
Taxes Paid00000031K1.33M2.81M

Key Ratios

Metric201620172018201920202021202220232024
Return on Equity (ROE)-0.51%19%1.2%-15.49%-20.77%-6.82%1.39%-12.56%-1.27%
Return on Invested Capital (ROIC)-15.77%-0.5%-7.25%-3.48%-3.94%-2.67%-6.74%-0.52%
Gross Margin35.31%38.69%99.11%75.27%73.27%74.69%76.78%76.5%77.12%
Net Margin-0.62%10.06%1.17%-52.86%-68.11%-22.84%4.6%-37.25%-3.24%
Debt / Equity0.59x7.94x0.37x0.46x0.48x0.50x0.50x0.53x0.66x
Interest Coverage-2.87x-0.19x-5.32x-2.22x-14.68x-10.79x-106.31x-0.99x
FCF Conversion-5.47x2.24x-0.63x-0.38x-0.27x-1.06x5.78x-0.94x-14.78x
Revenue Growth-14.16%38.38%-19.54%48.21%41.42%27.35%6.23%5.53%

Revenue by Segment

20192020202220232024
Consumer Payments--248.19M275.71M280.97M
Consumer Payments Growth---11.09%1.91%
Processing And Service Fees104.6M155.04M---
Processing And Service Fees Growth-48.21%---

Frequently Asked Questions

Growth & Financials

Repay Holdings Corporation (RPAY) reported $308.9M in revenue for fiscal year 2024. This represents a 275% increase from $82.3M in 2016.

Repay Holdings Corporation (RPAY) grew revenue by 5.5% over the past year. This is steady growth.

Repay Holdings Corporation (RPAY) reported a net loss of $120.7M for fiscal year 2024.

Dividend & Returns

Yes, Repay Holdings Corporation (RPAY) pays a dividend with a yield of 0.73%. This makes it attractive for income-focused investors.

Repay Holdings Corporation (RPAY) has a return on equity (ROE) of -1.3%. Negative ROE indicates the company is unprofitable.

Repay Holdings Corporation (RPAY) generated $48.4M in free cash flow for fiscal year 2024. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.

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