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RPAYRepay Holdings Corporation
$3.80$335M
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
Discovery & Screens
Live BreakoutsStock ScreenerOwnership
RPAY logo

Repay Holdings Corporation

RPAY
NASDAQ · Infrastructure Software
$3.80
At close - Sep 23, 4:00 PM EDT - USD
Market Cap$335M
P/E-1.3x
52W High$5.75
Volume384.76K
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q1

Persistent Operational Losses Obscure Structural Margin Potential

Repay Holdings Corporation faces significant headwinds as revenue growth stalled with a 1.8% year-over-year decline in 2025Q3, signaling potential market share loss in its core lending vertical. While the company maintains a robust gross margin profile near 75...

GrowthDecelerating
ProfitabilityNegative
ValuationAttractive
TechnicalsMixed
Explore valuation models
MARKET ACTION

RPAY price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

3/12 Beats

EPS beat 3 of last 12 quarters

02

Valuation risk

-105% Peers

P/E is 105% below peer median

03

Market leadership

RS 76 · Avg

Average momentum (RS Rating: 76)

04

Mixed Trend

Mixed

Price < 50DMA but > 200DMA

Next CatalystConfirmed earnings · Nov 9

Market performance

Price History →

Trailing total returns as of 9/24/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
RPAY+4.97%
S&P 500 (^GSPC)+12.39%
1-Year Return
RPAY-28.71%
S&P 500 (^GSPC)+15.77%
3-Year Return
RPAY-50.52%
S&P 500 (^GSPC)+74.32%
5-Year Return
RPAY-84.21%
S&P 500 (^GSPC)+65.84%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y Low
-1.3x
Forward P/E
4.3x
EV/EBITDA25th %ile
7.3x
FCF YieldCash Flow
27.2%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
-1.3x
67.1x
0th· Low
EV/EBITDA
7.3x
21.3x
25th· Low
Price/FCF
3.7x
19.6x
20th· Low
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
No DCF Model AvailableIntrinsic value modeling is not supported for this equity.

Growth & profitability

Annual revenue & EPS trend
Revenue
$309M-1.2% YoY
Net income
-$257M-2427.8% YoY
Free cash flow
$91M-13.4% YoY
Operating margin
-3.9%-1.4 pts YoY
ROIC (TTM)-1%
Avg ROIC 5Y-
ROE (TTM)-40.9%
Piotroski Score4 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate3/12 (25%)
Revenue Beat Rate7/12 (58%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q3 2026Latest
Aug 10, 2026
$0.20-5.5%
vs $0.21
$101M-1.1%
vs $102M
Q2 2026
May 4, 2026
$0.22+0.0%
vs $0.22
$81M+0.4%
vs $80M
Q2 2026
Mar 9, 2026
$0.19-13.6%
vs $0.22
$79M+2.3%
vs $77M
Q4 2025
Nov 10, 2025
$0.21-1.3%
vs $0.21
$78M+1.0%
vs $77M
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

5 Stories
Business Wire·7h ago
REPAY to Host Investor Day on December 7, 2026

ATLANTA--(BUSINESS WIRE)--REPAY announced that it will host an Investor Day on December 7, 2026, in New York City.

Zacks Investment Research·Sep 10, 2026
Are Investors Undervaluing Repay (RPAY) Right Now?

Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.

Business Wire·Sep 3, 2026
REPAY Appoints Charles Nabhan as New Head of Investor Relations

ATLANTA--(BUSINESS WIRE)--Repay Holdings Corporation (NASDAQ: RPAY) (“REPAY” or the “Company”), a leading provider of bill payment solutions, announced the appointment of Charles “Chuck” Nabhan as Head of Investor Relations, effective September 1, 2026. In this role, Nabhan will lead REPAY's Investor Relations strategy, deepening engagement with the investment community and sharpening communication around the company's growth strategy and financial performance. Nabhan will report to Rob Houser,.

Zacks Investment Research·Aug 24, 2026
Earnings Estimates Rising for Repay Holdings (RPAY): Will It Gain?

Repay Holdings (RPAY) shares have started gaining and might continue moving higher in the near term, as indicated by solid earnings estimate revisions.

Filtered for Repay Holdings CorporationMore Headlines
04

Compare before deciding

Benchmark RPAY against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for Repay Holdings Corporation (RPAY)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
RPAY logoRPAYRepay Holdings CorporationCurrent
$3.80$334.73M-1.27-1.21%-83.01%-40.91%—
PRTH logoPRTHPriority Technology Holdings, Inc.
$7.80$642.37M11.478.33%5.61%——
USIO logoUSIOUsio, Inc.
$2.24$61.82M-24.012.97%-1.63%-8.2%—
EVTC logoEVTCEVERTEC, Inc.
$27.57$1.7B12.5310.21%9.8%13.43%—
FOUR logoFOURShift4 Payments, Inc.
$38.46$2.66B35.6125.5%1.88%4.67%—
FLYW logoFLYWFlywire Corp
$16.86$2.05B153.2726.59%4.77%4.08%—

Compare RPAY vs Peers

Repay Holdings Corporation (RPAY) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs PRTH

Most directly comparable listed peer for RPAY.

Scale Benchmark

vs V

Larger-name benchmark to compare RPAY against a more recognizable public peer.

Peer Set

Compare Top 5

vs PRTH, USIO, EVTC, FOUR

05

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

RPAY SEC Filings & Documents

Repay Holdings Corporation (RPAY) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Aug 10, 2026·SEC

Material company update

Jul 14, 2026·SEC

Material company update

Jun 15, 2026·SEC

10-K Annual Reports

3
FY 2026

Mar 9, 2026·SEC

FY 2025

Mar 3, 2025·SEC

FY 2024

Feb 29, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

Aug 10, 2026·SEC

FY 2026

May 4, 2026·SEC

FY 2025

Nov 10, 2025·SEC

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RPAY Frequently Asked Questions

Repay Holdings Corporation (RPAY) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
What is Repay Holdings Corporation's revenue?

Repay Holdings Corporation (RPAY) reported $337.8M in revenue for fiscal year 2025. This represents a 310% increase from $82.3M in 2016.

How fast is Repay Holdings Corporation growing?

Repay Holdings Corporation (RPAY) saw revenue decline by 1.2% over the past year.

Is RPAY profitable?

Repay Holdings Corporation (RPAY) reported a net loss of $167.5M for fiscal year 2025.

Dividend & Returns
What is RPAY's return on equity?

Repay Holdings Corporation (RPAY) has a return on equity (ROE) of -40.9%. Negative ROE indicates the company is unprofitable.

What is Repay Holdings Corporation's free cash flow?

Repay Holdings Corporation (RPAY) generated $55.5M in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.

What if you invested $1,000 in RPAY back in 2016?

Total return calculator · dividends reinvested · 10+ years of data

See returns →