Repay Holdings Corporation (RPAY) Financial Ratios
10 years of historical data (2016–2025) · Technology · Software - Infrastructure
EV/EBITDA
↓
6.94
↓-75% vs avg
5yr avg: 27.43
30Y Low7.0·High70.9
P/FCF
↓
3.34
↓-84% vs avg
5yr avg: 21.25
30Y Low3.4·High51.0
P/B Ratio
↓
0.61
↓-40% vs avg
5yr avg: 1.02
30Y Low0.6·High2.6
ROE
↓
-40.9%
↑-240% vs avg
5yr avg: -12.0%
30Y Low-41%·High19%
Debt/EBITDA
↓
4.85
↓-44% vs avg
5yr avg: 8.66
30Y Low0.0·High16.9
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
RPAY Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Repay Holdings Corporation currently has a negative P/E ratio, indicating the company is operating at a loss on a trailing-twelve-month basis. On a free-cash-flow basis, the stock trades at 3.3x P/FCF, 84% below the 5-year average of 21.3x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $304M | $312M | $686M | $769M | $891M | $1.5B | $1.4B | $550M | $319M | — | — |
| Enterprise Value | $625M | $633M | $1.0B | $1.1B | $1.3B | $1.9B | $1.6B | $739M | $413M | — | — |
| P/E Ratio → | -1.15 | — | — | — | 67.08 | — | — | 52.32 | 209.75 | — | — |
| P/S Ratio | 0.98 | 1.01 | 2.19 | 2.59 | 3.19 | 6.94 | 9.17 | 5.26 | 2.46 | — | — |
| P/B Ratio | 0.61 | 0.65 | 0.89 | 0.93 | 0.96 | 1.67 | 2.56 | 1.19 | 1.26 | — | — |
| P/FCF | 3.34 | 3.43 | 6.52 | 19.59 | 25.69 | 51.04 | 337.43 | 26.71 | — | — | — |
| P/OCF | 3.34 | 3.43 | 4.57 | 7.42 | 12.00 | 28.54 | 49.92 | 25.83 | — | — | — |
P/E links to full P/E history page with 30-year chart
RPAY EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Repay Holdings Corporation's enterprise value stands at 6.9x EBITDA, 75% below its 5-year average of 27.4x. The Technology sector median is 17.3x, placing the stock at a 60% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.05 | 3.21 | 3.69 | 4.61 | 8.81 | 10.31 | 7.06 | 3.18 | — | — |
| EV / EBITDA | 6.94 | 7.04 | 10.48 | — | 21.27 | 70.94 | 55.49 | — | 44.59 | — | — |
| EV / EBIT | — | — | — | — | 66.76 | — | — | — | 24.89 | — | — |
| EV / FCF | — | 6.95 | 9.55 | 27.87 | 37.13 | 64.77 | 379.18 | 35.88 | — | — | — |
RPAY Profitability
Margins and return-on-capital ratios measuring operating efficiency
Repay Holdings Corporation earns an operating margin of -3.9%. Operating margins have expanded from -37.6% to -3.9% over the past 3 years, signaling improving operational efficiency. A negative ROE of -40.9% indicates the company is currently destroying shareholder equity.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 75.0% | 75.0% | 77.1% | 76.5% | 76.8% | 74.7% | 73.3% | 75.3% | 99.1% | 38.7% | 35.3% |
| Operating Margin | -3.9% | -3.9% | -2.5% | -37.6% | -16.9% | -24.6% | -20.6% | -46.1% | -0.9% | 17.4% | 2.1% |
| Net Profit Margin | -83.0% | -83.0% | -3.2% | -37.2% | 4.6% | -22.8% | -68.1% | -52.9% | 1.2% | 10.1% | -0.6% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | -40.9% | -40.9% | -1.3% | -12.6% | 1.4% | -6.8% | -20.8% | -15.5% | 1.2% | 19.0% | -0.5% |
| ROA | -18.5% | -18.5% | -0.7% | -7.0% | 0.8% | -3.6% | -11.2% | -10.6% | 1.2% | 11.5% | -0.3% |
| ROIC | -1.0% | -1.0% | -0.5% | -6.7% | -2.7% | -3.9% | -3.5% | -7.3% | -0.5% | 15.8% | — |
| ROCE | -1.0% | -1.0% | -0.5% | -7.4% | -3.0% | -4.1% | -3.6% | -9.7% | -0.9% | 21.0% | 1.1% |
RPAY Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Repay Holdings Corporation carries a Debt/EBITDA ratio of 4.9x, which is highly leveraged (68% above the sector average of 2.9x). Net debt stands at $321M ($437M total debt minus $116M cash).
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.91 | 0.91 | 0.66 | 0.53 | 0.50 | 0.50 | 0.48 | 0.46 | 0.37 | 7.94 | 0.59 |
| Debt / EBITDA | 4.85 | 4.85 | 5.30 | — | 7.63 | 16.88 | 9.27 | — | 10.16 | 0.01 | 10.86 |
| Net Debt / Equity | — | 0.67 | 0.41 | 0.39 | 0.43 | 0.45 | 0.32 | 0.41 | 0.37 | 6.63 | 0.57 |
| Net Debt / EBITDA | 3.57 | 3.57 | 3.32 | — | 6.56 | 15.04 | 6.11 | — | 10.15 | 0.01 | 10.35 |
| Debt / FCF | — | 3.53 | 3.03 | 8.28 | 11.45 | 13.73 | 41.75 | 9.17 | — | 0.01 | 22.73 |
| Interest Coverage | -18.86 | -18.86 | -0.39 | -24.41 | 4.41 | -12.50 | -2.39 | -3.10 | 2.74 | 2.66 | — |
RPAY Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.82x is below 1.0, meaning current liabilities exceed current assets. The current ratio has declined from 3.14x to 0.82x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.82 | 0.82 | 2.69 | 3.14 | 1.42 | 1.04 | 1.82 | 0.85 | 0.75 | 0.16 | 0.69 |
| Quick Ratio | 0.82 | 0.82 | 2.69 | 3.14 | 1.42 | 1.04 | 1.82 | 0.85 | 19.39 | 31.25 | 0.69 |
| Cash Ratio | 0.48 | 0.48 | 1.85 | 2.06 | 0.79 | 0.54 | 1.39 | 0.48 | 0.34 | 0.16 | 0.33 |
| Asset Turnover | — | 0.26 | 0.20 | 0.20 | 0.17 | 0.13 | 0.14 | 0.13 | 0.49 | 532.81 | 0.50 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | 42.93 | 38.42 | 44.32 | 43.85 | 55.33 | 50.17 | 51.05 | 16.79 | — | 12.59 |
RPAY Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Repay Holdings Corporation returns 12.7% to shareholders annually primarily through share buybacks.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | 0.3% | 0.5% | 0.1% | 0.0% | 0.1% | 1.3% | 2.0% | — | — |
| Payout Ratio | — | — | — | — | 7.4% | — | — | — | 414.1% | 58.0% | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | — | — | — | — | 1.5% | — | — | 1.9% | 0.5% | — | — |
| FCF Yield | 30.0% | 29.2% | 15.3% | 5.1% | 3.9% | 2.0% | 0.3% | 3.7% | — | — | — |
| Buyback Yield | 12.7% | 12.3% | 6.1% | 0.3% | 1.1% | 0.3% | 0.1% | 0.8% | 0.0% | — | — |
| Total Shareholder Yield | 12.7% | 12.3% | 6.4% | 0.8% | 1.2% | 0.3% | 0.2% | 2.1% | 2.0% | — | — |
| Shares Outstanding | — | $86M | $90M | $90M | $111M | $83M | $52M | $38M | $32M | $7M | $7M |
Peer Comparison
Compare RPAY with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 RPAYYou | $304M | -1.1 | 6.9 | 3.3 | 75.0% | -3.9% | -40.9% | -1.0% | 4.9 |
 PRTH | $431M | 7.7 | 6.8 | 5.7 | 21.4% | 14.8% | — | 13.4% | 5.1 |
 USIO | $37M | -14.5 | — | 34.7 | 23.1% | -2.6% | -13.6% | -12.0% | — |
 EVTC | $2B | 12.7 | 1.5 | 0.0 | 50.1% | 21.1% | 61.6% | 31.7% | 2.0 |
 FOUR | $4B | 14.2 | 10.3 | 12.6 | 29.2% | 7.4% | 24.3% | 7.6% | 5.3 |
 FLYW | $2B | 159.2 | 47.1 | 21.1 | 61.4% | 1.8% | 1.6% | 2.1% | — |
 IIIV | $486M | 39.3 | 13.4 | 129.5 | 55.7% | 1.9% | 3.5% | 0.6% | 0.2 |
 PAYC | $7B | 14.2 | 8.6 | 20.7 | 82.2% | 33.7% | 34.9% | 40.6% | 0.1 |
 V | $612B | 31.3 | 24.5 | 28.3 | 80.4% | 60.0% | 52.1% | 29.2% | 1.0 |
 MA | $435B | 29.8 | 21.6 | 25.7 | 83.4% | 59.2% | 209.9% | 56.5% | 0.9 |
 FIS | $24B | 61.3 | 7.5 | 9.7 | 36.9% | 16.5% | 2.6% | 6.0% | 1.1 |
| Technology Median | — | 27.2 | 17.3 | 19.8 | 48.9% | -0.6% | 2.5% | 3.0% | 2.9 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Start ComparisonRPAY — Frequently Asked Questions
Quick answers to the most common questions about buying RPAY stock.
What is Repay Holdings Corporation's P/E ratio?
Repay Holdings Corporation's current P/E ratio is -1.1x. The historical average is 59.7x.
What is Repay Holdings Corporation's EV/EBITDA?
Repay Holdings Corporation's current EV/EBITDA is 6.9x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 35.0x.
What is Repay Holdings Corporation's ROE?
Repay Holdings Corporation's return on equity (ROE) is -40.9%. The historical average is -7.7%.
Is RPAY stock overvalued?
Based on historical data, Repay Holdings Corporation is trading at a P/E of -1.1x. Compare with industry peers and growth rates for a complete picture.
What are Repay Holdings Corporation's profit margins?
Repay Holdings Corporation has 75.0% gross margin and -3.9% operating margin.
How much debt does Repay Holdings Corporation have?
Repay Holdings Corporation's Debt/EBITDA ratio is 4.9x, indicating high leverage. A ratio above 4x may signal elevated financial risk.