REPAY HOLDINGS CORP (RPAY) Stock Fundamental Analysis

NASDAQ:RPAY • US76029L1008

3.03 USD
-0.01 (-0.33%)
At close: Feb 13, 2026
3.03 USD
0 (0%)
After Hours: 2/13/2026, 8:00:01 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

RPAY gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 97 industry peers in the Financial Services industry. RPAY has a bad profitability rating. Also its financial health evaluation is rather negative. RPAY may be a bit undervalued, certainly considering the very reasonable score on growth


Dividend Valuation Growth Profitability Health

2

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.
RPAY Yearly Net Income VS EBIT VS OCF VS FCFRPAY Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M 100M -100M 150M

1.2 Ratios

  • Looking at the Return On Assets, with a value of -9.05%, RPAY is doing worse than 85.57% of the companies in the same industry.
  • RPAY has a worse Return On Equity (-19.57%) than 82.47% of its industry peers.
Industry RankSector Rank
ROA -9.05%
ROE -19.57%
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
RPAY Yearly ROA, ROE, ROICRPAY Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2017 2018 2019 2020 2021 2022 2023 2024 0 -5 -10 -15 -20

1.3 Margins

  • The Gross Margin of RPAY (75.54%) is better than 81.44% 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 RankSector Rank
OM N/A
PM (TTM) N/A
GM 75.54%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y1.07%
GM growth 5Y0.49%
RPAY Yearly Profit, Operating, Gross MarginsRPAY Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2017 2018 2019 2020 2021 2022 2023 2024 0 50 -50

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. Health

2.1 Basic Checks

  • RPAY does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • RPAY has less shares outstanding than it did 1 year ago.
  • The number of shares outstanding for RPAY has been increased compared to 5 years ago.
  • RPAY has a worse debt/assets ratio than last year.
RPAY Yearly Shares OutstandingRPAY Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M
RPAY Yearly Total Debt VS Total AssetsRPAY Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

2.2 Solvency

  • Based on the Altman-Z score of -0.07, we must say that RPAY is in the distress zone and has some risk of bankruptcy.
  • RPAY has a Altman-Z score of -0.07. This is in the lower half of the industry: RPAY underperforms 61.86% of its industry peers.
  • The Debt to FCF ratio of RPAY is 7.30, which is on the high side as it means it would take RPAY, 7.30 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 7.30, RPAY is in line with its industry, outperforming 49.48% of the companies in the same industry.
  • A Debt/Equity ratio of 0.45 indicates that RPAY is not too dependend on debt financing.
  • The Debt to Equity ratio of RPAY (0.45) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.45
Debt/FCF 7.3
Altman-Z -0.07
ROIC/WACCN/A
WACC5.65%
RPAY Yearly LT Debt VS Equity VS FCFRPAY Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2017 2018 2019 2020 2021 2022 2023 2024 0 200M 400M 600M 800M

2.3 Liquidity

  • RPAY has a Current Ratio of 0.81. This is a bad value and indicates that RPAY is not financially healthy enough and could expect problems in meeting its short term obligations.
  • RPAY has a Current ratio of 0.81. This is comparable to the rest of the industry: RPAY outperforms 44.33% of its industry peers.
  • RPAY has a Quick Ratio of 0.81. This is a bad value and indicates that RPAY is not financially healthy enough and could expect problems in meeting its short term obligations.
  • With a Quick ratio value of 0.81, RPAY perfoms like the industry average, outperforming 45.36% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.81
Quick Ratio 0.81
RPAY Yearly Current Assets VS Current LiabilitesRPAY Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M 250M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. Growth

3.1 Past

  • The earnings per share for RPAY have decreased by -8.42% in the last year.
  • Measured over the past 5 years, RPAY shows a small growth in Earnings Per Share. The EPS has been growing by 3.49% on average per year.
  • The Revenue has decreased by -0.58% 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)-8.42%
EPS 3Y3.49%
EPS 5YN/A
EPS Q2Q%-8.7%
Revenue 1Y (TTM)-0.58%
Revenue growth 3Y12.6%
Revenue growth 5Y24.51%
Sales Q2Q%-1.79%

3.2 Future

  • RPAY is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 2.34% yearly.
  • RPAY is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.30% yearly.
EPS Next Y-7.19%
EPS Next 2Y2.32%
EPS Next 3Y2.34%
EPS Next 5YN/A
Revenue Next Year-2.99%
Revenue Next 2Y1.84%
Revenue Next 3Y3.3%
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 decreasing.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
RPAY Yearly Revenue VS EstimatesRPAY Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M
RPAY Yearly EPS VS EstimatesRPAY Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.2 0.4 0.6 0.8

More info and screens

Find the best growth stocksShow best growing peers

7

4. Valuation

4.1 Price/Earnings Ratio

  • RPAY is valuated cheaply with a Price/Earnings ratio of 3.48.
  • 95.88% of the companies in the same industry are more expensive than RPAY, based on the Price/Earnings ratio.
  • RPAY is valuated cheaply when we compare the Price/Earnings ratio to 26.68, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 3.15, which indicates a rather cheap valuation of RPAY.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of RPAY indicates a rather cheap valuation: RPAY is cheaper than 97.94% of the companies listed in the same industry.
  • When comparing the Price/Forward Earnings ratio of RPAY to the average of the S&P500 Index (28.06), we can say RPAY is valued rather cheaply.
Industry RankSector Rank
PE 3.48
Fwd PE 3.15
RPAY Price Earnings VS Forward Price EarningsRPAY Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, RPAY is valued cheaply inside the industry as 86.60% of the companies are valued more expensively.
  • Based on the Price/Free Cash Flow ratio, RPAY is valued cheaply inside the industry as 94.85% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 4.74
EV/EBITDA 6.56
RPAY Per share dataRPAY EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 -2 4 6

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y2.32%
EPS Next 3Y2.34%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

  • RPAY does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

REPAY HOLDINGS CORP

NASDAQ:RPAY (2/13/2026, 8:00:01 PM)

After market: 3.03 0 (0%)

3.03

-0.01 (-0.33%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-10
Earnings (Next)03-04
Inst Owners92.13%
Inst Owner Change-7.09%
Ins Owners8.58%
Ins Owner Change0.56%
Market Cap276.79M
Revenue(TTM)308.95M
Net Income(TTM)-120.73M
Analysts80
Price Target7.87 (159.74%)
Short Float %7.65%
Short Ratio5.36
Dividend
Industry RankSector Rank
Dividend Yield 0%
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)-2.71%
Min EPS beat(2)-3.28%
Max EPS beat(2)-2.15%
EPS beat(4)0
Avg EPS beat(4)-3.3%
Min EPS beat(4)-5.01%
Max EPS beat(4)-2.15%
EPS beat(8)3
Avg EPS beat(8)1.35%
EPS beat(12)4
Avg EPS beat(12)0.17%
EPS beat(16)6
Avg EPS beat(16)1.72%
Revenue beat(2)1
Avg Revenue beat(2)-0.15%
Min Revenue beat(2)-1.07%
Max Revenue beat(2)0.78%
Revenue beat(4)2
Avg Revenue beat(4)-1.74%
Min Revenue beat(4)-6.77%
Max Revenue beat(4)0.78%
Revenue beat(8)4
Avg Revenue beat(8)-0.77%
Revenue beat(12)7
Avg Revenue beat(12)0.26%
Revenue beat(16)8
Avg Revenue beat(16)-0.31%
PT rev (1m)0%
PT rev (3m)-9.62%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-7.55%
EPS NY rev (1m)0%
EPS NY rev (3m)-2.82%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.29%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.18%
Valuation
Industry RankSector Rank
PE 3.48
Fwd PE 3.15
P/S 0.9
P/FCF 4.74
P/OCF 2.72
P/B 0.45
P/tB N/A
EV/EBITDA 6.56
EPS(TTM)0.87
EY28.71%
EPS(NY)0.96
Fwd EY31.79%
FCF(TTM)0.64
FCFY21.08%
OCF(TTM)1.11
OCFY36.78%
SpS3.38
BVpS6.75
TBVpS-3.74
PEG (NY)N/A
PEG (5Y)N/A
Graham Number11.5
Profitability
Industry RankSector Rank
ROA -9.05%
ROE -19.57%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 75.54%
FCFM 18.89%
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 Turnover0.23
Health
Industry RankSector Rank
Debt/Equity 0.45
Debt/FCF 7.3
Debt/EBITDA 3.02
Cap/Depr 42.84%
Cap/Sales 14.06%
Interest Coverage N/A
Cash Conversion 110.06%
Profit Quality N/A
Current Ratio 0.81
Quick Ratio 0.81
Altman-Z -0.07
F-Score5
WACC5.65%
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)-8.42%
EPS 3Y3.49%
EPS 5YN/A
EPS Q2Q%-8.7%
EPS Next Y-7.19%
EPS Next 2Y2.32%
EPS Next 3Y2.34%
EPS Next 5YN/A
Revenue 1Y (TTM)-0.58%
Revenue growth 3Y12.6%
Revenue growth 5Y24.51%
Sales Q2Q%-1.79%
Revenue Next Year-2.99%
Revenue Next 2Y1.84%
Revenue Next 3Y3.3%
Revenue Next 5YN/A
EBIT growth 1Y-17.58%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year28520%
EBIT Next 3Y589.15%
EBIT Next 5YN/A
FCF growth 1Y38.4%
FCF growth 3Y52.25%
FCF growth 5Y51.08%
OCF growth 1Y12.38%
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.


What is the valuation status of REPAY HOLDINGS CORP (RPAY) stock?

ChartMill assigns a valuation rating of 7 / 10 to REPAY HOLDINGS CORP (RPAY). This can be considered as Undervalued.


How profitable is REPAY HOLDINGS CORP (RPAY) stock?

REPAY HOLDINGS CORP (RPAY) has a profitability rating of 2 / 10.


How financially healthy is REPAY HOLDINGS CORP?

The financial health rating of REPAY HOLDINGS CORP (RPAY) is 2 / 10.


What is the earnings growth outlook for REPAY HOLDINGS CORP?

The Earnings per Share (EPS) of REPAY HOLDINGS CORP (RPAY) is expected to decline by -7.19% in the next year.