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Repay Holdings Corp

Data quality: 100%

RPAY

Nasdaq Services Business Services

$3.01

▲ $0.15 (5.24%)

Mkt Cap: 244.44 M

Price

$2.80

Mkt Cap

244.44 M

Day Range

—

52-Week Range

—

Volume

—

Open —

50D / 200D Avg

—

50D / 200D Avg

—

Quick Summary

Key Takeaways

Revenue grew 8.98% annually over 5 years — modest growth

Debt/Equity of 0.45 — conservative balance sheet

Generating 90.83 M in free cash flow

Revenue growth is decelerating — 1Y growth trails 5Y average by 10.19%

Capital efficient — spends only 0.09% of revenue on capex

Growth

Revenue Growth (5Y)

8.98%

Above sector avg (3.76%)

Revenue (1Y)-1.21%

Earnings (1Y)N/A

FCF Growth (3Y)-6.04%

Quality

Return on Equity

-41.06%

Below sector avg (-15.74%)

ROIC-18.01%

Net Margin-83.01%

Op. Margin-82.36%

Safety

Debt / Equity

0.45

Above sector avg (0.39)

Current Ratio0.81

Interest Coverage-18.26

Valuation

PE (TTM|2027)

-0.95 | 3.00

Above sector avg (-1.17)

P/B Ratio0.40

EV/EBITDAN/A

Dividend YieldN/A

Price History

Financial Trends

Peer Comparison

vs Services sector median (502 peers)

Metric	Stock	Sector Median
P/E	-1.0	-1.2
P/B	0.4	1.4
ROE %	-41.1	-15.7
Net Margin %	-83.0	-18.3
Rev Growth 5Y %	9.0	3.8
D/E	0.5	0.4

Analyst Price Target

7 analysts

Buy

Current

$3.01

+118.3%

Target

$6.57

$3.50

$7.00

$10.00

Forecast

Forward P/E 3.23

Forward EPS $0.93

EPS Growth (est.) +5.3%

Est. Revenue 357.12 M

Earnings Estimates

Period	EPS Est.	Revenue Est.	Analysts
FY2027	$0.93 $0.79 – $1.00	357.12 M	5
FY2026	$0.89 $0.80 – $0.93	341.22 M	7

Period	EPS Est.	Revenue Est.	Analysts
2026 Q2	$0.21 $0.20 – $0.22	82.66 M	7
2026 Q1	$0.21 $0.19 – $0.23	80.85 M	7

Earnings Surprises

Last 4 quarters

Quarter	Est. EPS	Actual EPS	Surprise
Q42025	$0.21	$0.19	-9.4%
Q32025	$0.21	$0.21	-1.3%
Q22025	$0.19	$0.20	+3.0%
Q12025	$0.22	$0.22	+0.2%

ETFs Holding This Stock

SOVF Sovereign's Capital Flourish Fund

2.22% weight

ARZMX ARZMX

0.64% weight

ARSVX ARSVX

0.64% weight

ARSIX ARSIX

0.64% weight

DSMC Distillate Small/Mid Cash Flow ETF

0.45% weight

SQLV Royce Quant Small-Cap Quality Value ETF

0.36% weight

ASVDX ASVDX

0.24% weight

ACSCX ACSCX

0.24% weight

ASVNX ASVNX

0.24% weight

ASVIX ASVIX

0.24% weight

All Fundamental Metrics

Growth
Revenue Growth (1Y)	-1.21%	Revenue Growth (3Y)	2.11%
Earnings Growth (1Y)	N/A	Earnings Growth (3Y)	N/A
Revenue Growth (5Y)	8.98%	Earnings Growth (5Y)	N/A
Profitability
Revenue (TTM)	309.26 M	Net Income (TTM)	-256.72 M
ROE	-41.06%	ROA	-18.69%
Gross Margin	75.02%	Operating Margin	-82.36%
Net Margin	-83.01%	Free Cash Flow (TTM)	90.83 M
ROIC	-18.01%	FCF Growth (3Y)	-6.04%
Safety
Debt / Equity	0.45	Current Ratio	0.81
Interest Coverage	-18.26	Asset Turnover	0.23
Working Capital	-42.08 M	Tangible Book Value	-341.88 M
Dividends
Dividend Yield	N/A	Payout Ratio	N/A
Dividend Growth (3Y)	N/A	Dividend Growth (5Y)	N/A
Consecutive Div Years	N/A
Valuation
P/E Ratio	-0.95	Forward P/E	N/A
P/B Ratio	0.40	P/S Ratio	0.79
PEG Ratio	N/A	Forward PEG	N/A
EV/EBITDA	N/A	Fwd EV/EBITDA	N/A
Forward P/S	N/A	Fwd Earnings Yield	N/A
FCF Yield	37.16%
Market Cap	244.44 M	Enterprise Value	428.28 M
Per Share
EPS (Diluted TTM)	-3.00	Revenue / Share	3.54
FCF / Share	1.04	OCF / Share	1.04
EPS CAGR (1Y)	N/A	EPS CAGR (5Y)	N/A
EPS CAGR (10Y)	N/A
Efficiency
CapEx / Revenue	0.09%	FCF Conversion	-35.38%
SBC-Adj. FCF	70.46 M	Growth Momentum	-10.19

Income Statement

Annual, most recent first

Metric	FY2025	FY2024	FY2023	FY2022	FY2021
Revenue	309.26 M	313.04 M	296.63 M	279.23 M	219.26 M
Net Income	-256.72 M	-10.16 M	-110.49 M	12.84 M	-50.08 M
EPS (Diluted)	-3.00	-0.11	-1.23	0.12	—
Gross Profit	232.02 M	241.41 M	226.92 M	214.40 M	—
Operating Income	-254.72 M	-7.77 M	-111.41 M	-47.20 M	-54.00 M
EBITDA	—	—	—	—	—
R&D Expenses	—	—	—	—	—
SG&A Expenses	142.01 M	145.47 M	148.65 M	149.06 M	120.05 M
D&A	102.05 M	103.71 M	103.86 M	107.75 M	89.69 M
Interest Expense	13.95 M	7.87 M	—	—	—
Income Tax	-5.87 M	-575,000.0	-2.12 M	6.17 M	-30.69 M

Balance Sheet

Annual, most recent first

Metric	FY2025	FY2024	FY2023	FY2022	FY2021
Total Assets	1.20 B	1.57 B	1.52 B	1.63 B	1.69 B
Total Liabilities	717.97 M	798.74 M	689.05 M	698.51 M	772.80 M
Shareholders' Equity	484.43 M	761.27 M	815.14 M	894.56 M	874.00 M
Total Debt	280.07 M	496.78 M	434.17 M	451.32 M	448.48 M
Cash & Equivalents	115.69 M	189.53 M	118.10 M	64.90 M	50.05 M
Current Assets	196.83 M	275.25 M	169.32 M	116.65 M	95.71 M
Current Liabilities	240.65 M	102.25 M	57.46 M	82.11 M	92.35 M