REPAY HOLDINGS CORP (RPAY) Stock Fundamental Analysis
NASDAQ:RPAY - US76029L1008 - Common Stock
5.85 USD
-0.03 (-0.51%)
We assign a fundamental rating of 3 out of 10 to RPAY. RPAY was compared to 101 industry peers in the Financial Services industry. RPAY may be in some trouble as it scores bad on both profitability and health. RPAY scores decently on growth, while it is valued quite cheap. This could make an interesting 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.
In the past 5 years RPAY always reported a positive cash flow from operatings.
1.2 Ratios
With a Return On Assets value of -7.86%, RPAY is not doing good in the industry: 88.12% of the companies in the same industry are doing better.
The Return On Equity of RPAY (-17.53%) is worse than 85.15% of its industry peers.
| 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 83.17% of its industry peers.
RPAY's Gross Margin has been stable in the last couple of years.
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.
The number of shares outstanding for RPAY has been reduced compared to 1 year ago.
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 0.12. This is a bad value and indicates that RPAY is not financially healthy and even has some risk of bankruptcy.
RPAY has a Altman-Z score (0.12) which is comparable to the rest of the 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.
The Debt to FCF ratio of RPAY (5.74) is better than 64.36% of its industry peers.
A Debt/Equity ratio of 0.44 indicates that RPAY is not too dependend on debt financing.
The Debt to Equity ratio of RPAY (0.44) is better than 60.40% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.44 | ||
| Debt/FCF | 5.74 | ||
| Altman-Z | 0.12 |
ROIC/WACCN/A
WACC6.12%
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.
The Current ratio of RPAY (0.85) is comparable to the rest of the industry.
A Quick Ratio of 0.85 indicates that RPAY may have some problems paying its short term obligations.
RPAY has a Quick ratio (0.85) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.85 | ||
| Quick Ratio | 0.85 |
3. Growth
3.1 Past
The earnings per share for RPAY have decreased by -4.30% in the last year.
The Earnings Per Share has been growing slightly by 3.49% on average over the past years.
The Revenue has been growing slightly by 1.45% in the past year.
Measured over the past years, RPAY shows a very strong growth in Revenue. The Revenue has been growing by 24.51% on average per year.
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-4.16%
EPS Next 2Y4.27%
EPS Next 3Y3.73%
EPS Next 5YN/A
Revenue Next Year-3.39%
Revenue Next 2Y2.84%
Revenue Next 3Y3.39%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
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
A Price/Earnings ratio of 6.57 indicates a rather cheap valuation of RPAY.
RPAY's Price/Earnings ratio is rather cheap when compared to the industry. RPAY is cheaper than 90.10% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.02. RPAY is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 5.85, which indicates a rather cheap valuation of RPAY.
86.14% of the companies in the same industry are more expensive than RPAY, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of RPAY to the average of the S&P500 Index (22.66), we can say RPAY is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.57 | ||
| Fwd PE | 5.85 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of RPAY indicates a somewhat cheap valuation: RPAY is cheaper than 78.22% of the companies listed in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of RPAY indicates a rather cheap valuation: RPAY is cheaper than 94.06% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.85 | ||
| EV/EBITDA | 8.97 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y4.27%
EPS Next 3Y3.73%
5. Dividend
5.1 Amount
RPAY does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NASDAQ:RPAY (9/8/2025, 12:19:30 PM)
5.85
-0.03 (-0.51%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners96.63%
Inst Owner Change-8.27%
Ins Owners8.31%
Ins Owner Change0.84%
Market Cap508.01M
Analysts78.57
Price Target8.35 (42.74%)
Short Float %9.74%
Short Ratio5.82
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)8.44%
PT rev (3m)12.58%
EPS NQ rev (1m)2.29%
EPS NQ rev (3m)-12.89%
EPS NY rev (1m)2.27%
EPS NY rev (3m)1.61%
Revenue NQ rev (1m)1.15%
Revenue NQ rev (3m)-5.45%
Revenue NY rev (1m)0.6%
Revenue NY rev (3m)0.19%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.57 | ||
| Fwd PE | 5.85 | ||
| P/S | 1.64 | ||
| P/FCF | 5.85 | ||
| P/OCF | 3.91 | ||
| P/B | 0.8 | ||
| P/tB | N/A | ||
| EV/EBITDA | 8.97 |
EPS(TTM)0.89
EY15.21%
EPS(NY)1
Fwd EY17.1%
FCF(TTM)1
FCFY17.09%
OCF(TTM)1.5
OCFY25.57%
SpS3.57
BVpS7.3
TBVpS-3.91
PEG (NY)N/A
PEG (5Y)N/A
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
ROICexcg growth 3YN/A
ROICexcg 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 | 0.12 |
F-Score5
WACC6.12%
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-4.16%
EPS Next 2Y4.27%
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-3.39%
Revenue Next 2Y2.84%
Revenue Next 3Y3.39%
Revenue Next 5YN/A
EBIT growth 1Y43.74%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year29331.4%
EBIT Next 3Y593.61%
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%