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RPAYRepay Holdings Corporation
$4.40$388M
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
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RPAY logo

Repay Holdings Corporation

RPAY
NASDAQ · Payment Processors & Networks
$4.40
At close - Nov 6, 4:00 PM EST - USD
Market Cap$388M
P/E-2.2x
52W High$4.81
Volume526.46K
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q2

Debt-Funded Acquisition Spree Masks Structural Margin Decay

RPAY reported a sudden 33.2% year-over-year revenue surge to $100.7M in 2026Q2 after roughly eighteen months of flat-to-negative growth, but the print coincided with the lowest gross margin in ten quarters (70.1%, down ~770 bps from 77.8% in 2024Q3) and a -$3.3M operating loss, suggesting the acceleration may reflect…

GrowthMixed
ProfitabilityWeak
ValuationAttractive
TechnicalsStrong
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

-110% Peers

P/E is 110% below peer median

03

Market leadership

RS 88 · Leader

High momentum (Outperforming 88% of market)

04

Strong Uptrend

Strong Trend

Price > 20DMA > 50DMA > 200DMA

Next CatalystConfirmed earnings · Nov 9

Market performance

Price History →

Trailing total returns as of 11/8/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
RPAY+21.55%
S&P 500 (^GSPC)+7.63%
1-Year Return
RPAY+13.40%
S&P 500 (^GSPC)+9.69%
3-Year Return
RPAY-31.25%
S&P 500 (^GSPC)+64.31%
5-Year Return
RPAY-76.61%
S&P 500 (^GSPC)+53.00%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y Low
-2.2x
Forward P/E
4.7x
EV/EBITDA25th %ile
7.5x
FCF YieldCash Flow
14.3%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
-2.2x
67.1x
0th· Low
EV/EBITDA
7.5x
21.3x
25th· Low
Price/FCF
7.0x
19.6x
40th· Fair
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 FY25
$309M-1.2% YoY
Net income FY25
-$257M-2427.8% YoY
Free cash flow FY25
$91M-13.4% YoY
Operating margin FY25
-3.9%-1.4 pts YoY
ROIC (FY25)-1%
Avg ROIC 5Y-3%
ROE (TTM)-32.7%
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

4 Stories
Business Wire·Oct 26, 2026
REPAY to Announce Third Quarter 2026 Results on November 9, 2026

ATLANTA--(BUSINESS WIRE)--Repay Holdings Corporation (NASDAQ: RPAY) (“REPAY” or the “Company”), a leading provider of bill payment solutions, today announced that the Company will host a conference call to discuss third quarter 2026 financial results on Monday, November 9, 2026 at 5:00pm ET. A press release with third quarter 2026 financial results will be issued after the market closes that same day. The conference call will be webcast live from the Company's investor relations website at http.

Business Wire·Oct 13, 2026
REPAY Enables Embedded Payments for Emburse, Bringing Automation and Control to Spend

ATLANTA--(BUSINESS WIRE)--Repay Holdings Corporation (NASDAQ: RPAY) (“REPAY”), a leading provider of bill payment solutions, today announced its partnership with Emburse, a global leader in travel and expense management, and integration with its accounts payable (AP) solutions. The integration powers small-to-enterprise organizations across legal services, healthcare, financial services and other key verticals. Bringing together invoice processing, approval workflows and vendor payments in one.

Defense World·Oct 7, 2026
Analyzing MGIC Investment (NYSE:MTG) and Repay (NASDAQ:RPAY)

MGIC Investment (NYSE: MTG - Get Free Report) and Repay (NASDAQ: RPAY - Get Free Report) are both finance companies, but which is the superior business? We will compare the two businesses based on the strength of their analyst recommendations, valuation, institutional ownership, risk, profitability, dividends and earnings. Earnings and Valuation This table compares MGIC Investment and

Zacks Investment Research·Oct 2, 2026
Should Value Investors Buy Repay (RPAY) Stock?

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.

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
$4.40$387.58M-2.19-1.21%-49.57%-32.69%—
PRTH logoPRTHPriority Technology Holdings, Inc.
$7.88$648.96M16.288.33%3.97%——
USIO logoUSIOUsio, Inc.
$2.96$81.68M-54.612.97%-1.63%-8.2%—
EVTC logoEVTCEVERTEC, Inc.
$33.55$2.07B21.4310.21%9%12.9%0.59%
FOUR logoFOURShift4 Payments, Inc.
$43.96$3.04B34.3825.5%2.03%5.67%0.77%
FLYW logoFLYWFlywire Corp
$21.57$2.62B35.4426.59%10.34%9.25%—

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 over the trailing twelve months. Revenue was $309.3M in fiscal year 2025. That is 276% more than the $82.3M of fiscal year 2016.

How fast is Repay Holdings Corporation growing?

Repay Holdings Corporation (RPAY) grew revenue by 8.8% over the trailing twelve months, compared with the twelve months before.

Is RPAY profitable?

No. Repay Holdings Corporation (RPAY) reported a net loss of $167.5M over the trailing twelve months.

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

Repay Holdings Corporation (RPAY) had a return on equity (ROE) of -32.7% over the trailing twelve months. A negative ROE means the company lost money over the period.

What is Repay Holdings Corporation's free cash flow?

Repay Holdings Corporation (RPAY) generated $55.5M in free cash flow over the trailing twelve months.

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

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

See returns →