REPAY HOLDINGS CORP (RPAY) Stock Fundamental Analysis
USA - NASDAQ:RPAY - US76029L1008 - Common Stock
5.09 USD
+0.61 (+13.62%)
5.19 USD
+0.1 (+1.96%)
RPAY gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 99 industry peers in the Financial Services industry. RPAY may be in some trouble as it scores bad on both profitability and health. RPAY is valued quite cheap, while showing a decent growth score. This is a good combination!
1. Profitability
1.1 Basic Checks
In the past year RPAY was profitable.
RPAY had a positive operating cash flow in the past year.
RPAY had negative earnings in 4 of the past 5 years.
Each year in the past 5 years RPAY had a positive operating cash flow.
1.2 Ratios
The Return On Assets of RPAY (-7.86%) is worse than 86.87% of its industry peers.
Looking at the Return On Equity, with a value of -17.53%, RPAY is doing worse than 84.85% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -7.86% | ||
| ROE | -17.53% | ||
| ROIC | N/A |
ROA(3y)-2.38%
ROA(5y)-3.92%
ROE(3y)-4.49%
ROE(5y)-7.98%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
RPAY's Gross Margin of 76.41% is amongst the best of the industry. RPAY outperforms 82.83% of its industry peers.
In the last couple of years the Gross Margin of RPAY has remained more or less at the same level.
The Profit Margin and Operating Margin are not available for RPAY so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 76.41% |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y1.07%
GM growth 5Y0.49%
2. Health
2.1 Basic Checks
RPAY does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, RPAY has less shares outstanding
RPAY has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, RPAY has a worse debt to assets ratio.
2.2 Solvency
RPAY has an Altman-Z score of 0.07. This is a bad value and indicates that RPAY is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 0.07, RPAY is doing worse than 60.61% of the companies in the same industry.
The Debt to FCF ratio of RPAY is 5.74, which is a neutral value as it means it would take RPAY, 5.74 years of fcf income to pay off all of its debts.
With a decent Debt to FCF ratio value of 5.74, RPAY is doing good in the industry, outperforming 63.64% of the companies in the same industry.
RPAY has a Debt/Equity ratio of 0.44. This is a healthy value indicating a solid balance between debt and equity.
RPAY has a Debt to Equity ratio of 0.44. This is comparable to the rest of the industry: RPAY outperforms 58.59% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.44 | ||
| Debt/FCF | 5.74 | ||
| Altman-Z | 0.07 |
ROIC/WACCN/A
WACC4.64%
2.3 Liquidity
RPAY has a Current Ratio of 0.85. This is a bad value and indicates that RPAY is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Current ratio, with a value of 0.85, RPAY is in line with its industry, outperforming 43.43% of the companies in the same industry.
A Quick Ratio of 0.85 indicates that RPAY may have some problems paying its short term obligations.
With a Quick ratio value of 0.85, RPAY perfoms like the industry average, outperforming 45.45% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.85 | ||
| Quick Ratio | 0.85 |
3. Growth
3.1 Past
RPAY shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -4.30%.
RPAY shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.49% yearly.
The Revenue has been growing slightly by 1.45% in the past year.
RPAY shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 24.51% yearly.
EPS 1Y (TTM)-4.3%
EPS 3Y3.49%
EPS 5YN/A
EPS Q2Q%-9.09%
Revenue 1Y (TTM)1.45%
Revenue growth 3Y12.6%
Revenue growth 5Y24.51%
Sales Q2Q%0.96%
3.2 Future
RPAY is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.73% yearly.
RPAY is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.39% yearly.
EPS Next Y-4.49%
EPS Next 2Y3.4%
EPS Next 3Y3.73%
EPS Next 5YN/A
Revenue Next Year-3.16%
Revenue Next 2Y2.13%
Revenue Next 3Y3.39%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
RPAY is valuated cheaply with a Price/Earnings ratio of 5.72.
Based on the Price/Earnings ratio, RPAY is valued cheaper than 91.92% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.89, RPAY is valued rather cheaply.
The Price/Forward Earnings ratio is 5.17, which indicates a rather cheap valuation of RPAY.
RPAY's Price/Forward Earnings ratio is rather cheap when compared to the industry. RPAY is cheaper than 86.87% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.99. RPAY is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.72 | ||
| Fwd PE | 5.17 |
4.2 Price Multiples
RPAY's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. RPAY is cheaper than 79.80% of the companies in the same industry.
95.96% of the companies in the same industry are more expensive than RPAY, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.09 | ||
| EV/EBITDA | 8.27 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y3.4%
EPS Next 3Y3.73%
5. Dividend
5.1 Amount
No dividends for RPAY!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
5.09
+0.61 (+13.62%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners95.38%
Inst Owner Change0.13%
Ins Owners9.2%
Ins Owner Change2.07%
Market Cap442.02M
Revenue(TTM)310.37M
Net Income(TTM)-111071000
Analysts80
Price Target8.71 (71.12%)
Short Float %9.77%
Short Ratio7.42
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-2.45%
Min EPS beat(2)-2.76%
Max EPS beat(2)-2.15%
EPS beat(4)1
Avg EPS beat(4)-2.44%
Min EPS beat(4)-5.01%
Max EPS beat(4)0.14%
EPS beat(8)3
Avg EPS beat(8)1.36%
EPS beat(12)5
Avg EPS beat(12)1.72%
EPS beat(16)7
Avg EPS beat(16)2.81%
Revenue beat(2)2
Avg Revenue beat(2)0.45%
Min Revenue beat(2)0.11%
Max Revenue beat(2)0.78%
Revenue beat(4)2
Avg Revenue beat(4)-1.95%
Min Revenue beat(4)-6.77%
Max Revenue beat(4)0.78%
Revenue beat(8)4
Avg Revenue beat(8)-0.64%
Revenue beat(12)8
Avg Revenue beat(12)0.55%
Revenue beat(16)9
Avg Revenue beat(16)-0.18%
PT rev (1m)4.25%
PT rev (3m)13.06%
EPS NQ rev (1m)-0.42%
EPS NQ rev (3m)1.69%
EPS NY rev (1m)-0.14%
EPS NY rev (3m)1.92%
Revenue NQ rev (1m)0.01%
Revenue NQ rev (3m)0.87%
Revenue NY rev (1m)-0.01%
Revenue NY rev (3m)0.76%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.72 | ||
| Fwd PE | 5.17 | ||
| P/S | 1.42 | ||
| P/FCF | 5.09 | ||
| P/OCF | 3.4 | ||
| P/B | 0.7 | ||
| P/tB | N/A | ||
| EV/EBITDA | 8.27 |
EPS(TTM)0.89
EY17.49%
EPS(NY)0.98
Fwd EY19.32%
FCF(TTM)1
FCFY19.65%
OCF(TTM)1.5
OCFY29.38%
SpS3.57
BVpS7.3
TBVpS-3.91
PEG (NY)N/A
PEG (5Y)N/A
Graham Number12.09
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -7.86% | ||
| ROE | -17.53% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 76.41% | ||
| FCFM | 27.98% |
ROA(3y)-2.38%
ROA(5y)-3.92%
ROE(3y)-4.49%
ROE(5y)-7.98%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y1.07%
GM growth 5Y0.49%
F-Score5
Asset Turnover0.22
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.44 | ||
| Debt/FCF | 5.74 | ||
| Debt/EBITDA | 2.97 | ||
| Cap/Depr | 42.74% | ||
| Cap/Sales | 13.87% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | 138.02% | ||
| Profit Quality | N/A | ||
| Current Ratio | 0.85 | ||
| Quick Ratio | 0.85 | ||
| Altman-Z | 0.07 |
F-Score5
WACC4.64%
ROIC/WACCN/A
Cap/Depr(3y)47.31%
Cap/Depr(5y)41.61%
Cap/Sales(3y)16.73%
Cap/Sales(5y)15.31%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-4.3%
EPS 3Y3.49%
EPS 5YN/A
EPS Q2Q%-9.09%
EPS Next Y-4.49%
EPS Next 2Y3.4%
EPS Next 3Y3.73%
EPS Next 5YN/A
Revenue 1Y (TTM)1.45%
Revenue growth 3Y12.6%
Revenue growth 5Y24.51%
Sales Q2Q%0.96%
Revenue Next Year-3.16%
Revenue Next 2Y2.13%
Revenue Next 3Y3.39%
Revenue Next 5YN/A
EBIT growth 1Y43.74%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year29463.7%
EBIT Next 3Y596.68%
EBIT Next 5YN/A
FCF growth 1Y110.07%
FCF growth 3Y52.25%
FCF growth 5Y51.08%
OCF growth 1Y47.69%
OCF growth 3Y41.19%
OCF growth 5Y47.79%
REPAY HOLDINGS CORP / RPAY FAQ
Can you provide the ChartMill fundamental rating for REPAY HOLDINGS CORP?
ChartMill assigns a fundamental rating of 3 / 10 to RPAY.
Can you provide the valuation status for REPAY HOLDINGS CORP?
ChartMill assigns a valuation rating of 7 / 10 to REPAY HOLDINGS CORP (RPAY). This can be considered as Undervalued.
Can you provide the profitability details for REPAY HOLDINGS CORP?
REPAY HOLDINGS CORP (RPAY) has a profitability rating of 2 / 10.
What is the financial health of REPAY HOLDINGS CORP (RPAY) stock?
The financial health rating of REPAY HOLDINGS CORP (RPAY) is 3 / 10.
Can you provide the expected EPS growth for RPAY stock?
The Earnings per Share (EPS) of REPAY HOLDINGS CORP (RPAY) is expected to decline by -4.49% in the next year.