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%)
Overall RPAY gets a fundamental rating of 3 out of 10. We evaluated RPAY against 99 industry peers in the Financial Services industry. RPAY has a bad profitability rating. Also its financial health evaluation is rather negative. 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.
In the past year RPAY had a positive cash flow from operations.
In the past 5 years RPAY reported 4 times negative net income.
Each year in the past 5 years RPAY had a positive operating cash flow.
1.2 Ratios
RPAY has a Return On Assets of -7.86%. This is amonst the worse of the industry: RPAY underperforms 86.87% of its industry peers.
RPAY has a Return On Equity of -17.53%. This is amonst the worse of the industry: RPAY underperforms 84.85% 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
The Gross Margin of RPAY (76.41%) is better than 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
Compared to 5 years ago, RPAY has more shares outstanding
RPAY has a worse debt/assets ratio than last year.
2.2 Solvency
RPAY has an Altman-Z score of 0.03. This is a bad value and indicates that RPAY is not financially healthy and even has some risk of bankruptcy.
With a Altman-Z score value of 0.03, RPAY is not doing good in the industry: 63.64% of the companies in the same industry are doing better.
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.
RPAY has a better Debt to FCF ratio (5.74) than 63.64% of its industry peers.
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 (0.44) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.44 | ||
| Debt/FCF | 5.74 | ||
| Altman-Z | 0.03 |
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.
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 in line with its industry peers.
| 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
The Earnings Per Share is expected to grow by 3.73% on average over the next years.
The Revenue is expected to grow by 3.39% on average over the next years.
EPS Next Y-4.36%
EPS Next 2Y3.73%
EPS Next 3Y3.73%
EPS Next 5YN/A
Revenue Next Year-3.16%
Revenue Next 2Y2.19%
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.
RPAY's Price/Earnings ratio is rather cheap when compared to the industry. RPAY is cheaper than 94.95% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.91, RPAY is valued rather cheaply.
The Price/Forward Earnings ratio is 5.14, 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 90.91% of the companies in the same industry.
RPAY is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.92, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.72 | ||
| Fwd PE | 5.14 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of RPAY indicates a rather cheap valuation: RPAY is cheaper than 81.82% of the companies listed 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 | 7.7 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y3.73%
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 Change0.11%
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)-0.21%
EPS NY rev (3m)2.06%
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 | 5.14 | ||
| P/S | 1.42 | ||
| P/FCF | 5.09 | ||
| P/OCF | 3.4 | ||
| P/B | 0.7 | ||
| P/tB | N/A | ||
| EV/EBITDA | 7.7 |
EPS(TTM)0.89
EY17.49%
EPS(NY)0.99
Fwd EY19.45%
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 | 0.03 |
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-4.36%
EPS Next 2Y3.73%
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 2Y2.19%
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 -4.36% in the next year.