REPAY HOLDINGS CORP (RPAY) Fundamental Analysis & Valuation

NASDAQ:RPAY • US76029L1008

Current stock price

3.07 USD
-0.04 (-1.29%)
At close:
3.07 USD
0 (0%)
After Hours:

This RPAY fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. RPAY Profitability Analysis

1.1 Basic Checks

  • RPAY had positive earnings in the past year.
  • In the past year RPAY had a positive cash flow from operations.
  • In the past 5 years RPAY reported 4 times negative net income.
  • In the past 5 years RPAY always reported a positive cash flow from operatings.
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 2025 0 100M -100M -200M

1.2 Ratios

  • With a Return On Assets value of -21.40%, RPAY is not doing good in the industry: 87.88% of the companies in the same industry are doing better.
  • RPAY has a worse Return On Equity (-52.99%) than 84.85% of its industry peers.
Industry RankSector Rank
ROA -21.4%
ROE -52.99%
ROIC N/A
ROA(3y)-9.77%
ROA(5y)-6.3%
ROE(3y)-22.63%
ROE(5y)-14.44%
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 2025 0 -10 -20 -30 -40 -50

1.3 Margins

  • RPAY's Gross Margin of 75.02% is amongst the best of the industry. RPAY outperforms 81.82% of its industry peers.
  • In the last couple of years the Gross Margin of RPAY has remained more or less at the same level.
  • RPAY does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 75.02%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-0.77%
GM growth 5Y0.47%
RPAY Yearly Profit, Operating, Gross MarginsRPAY Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50 -50

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. RPAY Health Analysis

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
  • The number of shares outstanding for RPAY has been increased compared to 5 years ago.
  • The debt/assets ratio for RPAY is higher compared to a year ago.
RPAY Yearly Shares OutstandingRPAY Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 500M 1B 1.5B

2.2 Solvency

  • Based on the Altman-Z score of -0.28, we must say that RPAY is in the distress zone and has some risk of bankruptcy.
  • With a Altman-Z score value of -0.28, RPAY is not doing good in the industry: 68.69% of the companies in the same industry are doing better.
  • RPAY has a debt to FCF ratio of 8.68. This is a slightly negative value and a sign of low solvency as RPAY would need 8.68 years to pay back of all of its debts.
  • The Debt to FCF ratio of RPAY (8.68) is comparable to the rest of the industry.
  • RPAY has a Debt/Equity ratio of 0.58. This is a neutral value indicating RPAY is somewhat dependend on debt financing.
  • RPAY has a Debt to Equity ratio (0.58) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.58
Debt/FCF 8.68
Altman-Z -0.28
ROIC/WACCN/A
WACC5.14%
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 2025 0 200M 400M 600M 800M

2.3 Liquidity

  • RPAY has a Current Ratio of 0.82. 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 (0.82) which is comparable to the rest of the industry.
  • A Quick Ratio of 0.82 indicates that RPAY may have some problems paying its short term obligations.
  • The Quick ratio of RPAY (0.82) is comparable to the rest of the industry.
Industry RankSector Rank
Current Ratio 0.82
Quick Ratio 0.82
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 2025 50M 100M 150M 200M 250M

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

5

3. RPAY Growth Analysis

3.1 Past

  • RPAY shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -10.87%.
  • The Earnings Per Share has been growing slightly by 6.45% on average over the past years.
  • Looking at the last year, RPAY shows a decrease in Revenue. The Revenue has decreased by -1.21% in the last year.
  • RPAY shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 14.82% yearly.
EPS 1Y (TTM)-10.87%
EPS 3Y-0.4%
EPS 5Y6.45%
EPS Q2Q%-20.83%
Revenue 1Y (TTM)-1.21%
Revenue growth 3Y3.47%
Revenue growth 5Y14.82%
Sales Q2Q%0.4%

3.2 Future

  • The Earnings Per Share is expected to grow by 11.35% on average over the next years. This is quite good.
  • RPAY is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.64% yearly.
EPS Next Y10.17%
EPS Next 2Y7.67%
EPS Next 3Y11.35%
EPS Next 5YN/A
Revenue Next Year10.6%
Revenue Next 2Y7.89%
Revenue Next 3Y8.64%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better 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.
RPAY Yearly Revenue VS EstimatesRPAY Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 100M 200M 300M 400M
RPAY Yearly EPS VS EstimatesRPAY Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0.2 0.4 0.6 0.8 1

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8

4. RPAY Valuation Analysis

4.1 Price/Earnings Ratio

  • RPAY is valuated cheaply with a Price/Earnings ratio of 3.74.
  • Compared to the rest of the industry, the Price/Earnings ratio of RPAY indicates a rather cheap valuation: RPAY is cheaper than 96.97% of the companies listed in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.18. RPAY is valued rather cheaply when compared to this.
  • A Price/Forward Earnings ratio of 3.40 indicates a rather cheap valuation of RPAY.
  • Based on the Price/Forward Earnings ratio, RPAY is valued cheaper than 98.99% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 37.96. RPAY is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 3.74
Fwd PE 3.4
RPAY Price Earnings VS Forward Price EarningsRPAY Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • RPAY's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. RPAY is cheaper than 83.84% of the companies in the same industry.
  • Based on the Price/Free Cash Flow ratio, RPAY is valued cheaper than 92.93% of the companies in the same industry.
Industry RankSector Rank
P/FCF 5.47
EV/EBITDA 6.48
RPAY Per share dataRPAY EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 -2 4

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.37
PEG (5Y)0.58
EPS Next 2Y7.67%
EPS Next 3Y11.35%

More info and screens

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

0

5. RPAY Dividend Analysis

5.1 Amount

  • No dividends for RPAY!.
Industry RankSector Rank
Dividend Yield 0%

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Find the best dividend stocksShow peers with best dividend

RPAY Fundamentals: All Metrics, Ratios and Statistics

REPAY HOLDINGS CORP

NASDAQ:RPAY (4/14/2026, 4:30:01 PM)

After market: 3.07 0 (0%)

3.07

-0.04 (-1.29%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)03-09
Earnings (Next)05-11
Inst Owners99.69%
Inst Owner Change0.03%
Ins Owners11.44%
Ins Owner Change-0.15%
Market Cap268.50M
Revenue(TTM)309.26M
Net Income(TTM)-256.72M
Analysts80
Price Target6.7 (118.24%)
Short Float %8.96%
Short Ratio3.82
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)-7.29%
Min EPS beat(2)-11.3%
Max EPS beat(2)-3.28%
EPS beat(4)0
Avg EPS beat(4)-4.87%
Min EPS beat(4)-11.3%
Max EPS beat(4)-2.15%
EPS beat(8)2
Avg EPS beat(8)-3.38%
EPS beat(12)3
Avg EPS beat(12)-0.81%
EPS beat(16)5
Avg EPS beat(16)-1.47%
Revenue beat(2)1
Avg Revenue beat(2)-0.38%
Min Revenue beat(2)-1.07%
Max Revenue beat(2)0.31%
Revenue beat(4)3
Avg Revenue beat(4)0.03%
Min Revenue beat(4)-1.07%
Max Revenue beat(4)0.78%
Revenue beat(8)4
Avg Revenue beat(8)-1.46%
Revenue beat(12)7
Avg Revenue beat(12)0.23%
Revenue beat(16)9
Avg Revenue beat(16)-0.03%
PT rev (1m)-14.82%
PT rev (3m)-14.82%
EPS NQ rev (1m)-9.25%
EPS NQ rev (3m)-11.21%
EPS NY rev (1m)-6.2%
EPS NY rev (3m)-6.2%
Revenue NQ rev (1m)-1.75%
Revenue NQ rev (3m)-1.61%
Revenue NY rev (1m)3.25%
Revenue NY rev (3m)3.46%
Valuation
Industry RankSector Rank
PE 3.74
Fwd PE 3.4
P/S 0.87
P/FCF 5.47
P/OCF 2.95
P/B 0.55
P/tB N/A
EV/EBITDA 6.48
EPS(TTM)0.82
EY26.71%
EPS(NY)0.9
Fwd EY29.43%
FCF(TTM)0.56
FCFY18.3%
OCF(TTM)1.04
OCFY33.93%
SpS3.54
BVpS5.54
TBVpS-3.66
PEG (NY)0.37
PEG (5Y)0.58
Graham Number10.11
Profitability
Industry RankSector Rank
ROA -21.4%
ROE -52.99%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 75.02%
FCFM 15.89%
ROA(3y)-9.77%
ROA(5y)-6.3%
ROE(3y)-22.63%
ROE(5y)-14.44%
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 3Y-0.77%
GM growth 5Y0.47%
F-Score5
Asset Turnover0.26
Health
Industry RankSector Rank
Debt/Equity 0.58
Debt/FCF 8.68
Debt/EBITDA 3.11
Cap/Depr 41.14%
Cap/Sales 13.58%
Interest Coverage N/A
Cash Conversion 101.22%
Profit Quality N/A
Current Ratio 0.82
Quick Ratio 0.82
Altman-Z -0.28
F-Score5
WACC5.14%
ROIC/WACCN/A
Cap/Depr(3y)48.79%
Cap/Depr(5y)41.85%
Cap/Sales(3y)16.53%
Cap/Sales(5y)14.9%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-10.87%
EPS 3Y-0.4%
EPS 5Y6.45%
EPS Q2Q%-20.83%
EPS Next Y10.17%
EPS Next 2Y7.67%
EPS Next 3Y11.35%
EPS Next 5YN/A
Revenue 1Y (TTM)-1.21%
Revenue growth 3Y3.47%
Revenue growth 5Y14.82%
Sales Q2Q%0.4%
Revenue Next Year10.6%
Revenue Next 2Y7.89%
Revenue Next 3Y8.64%
Revenue Next 5YN/A
EBIT growth 1Y-48.68%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year220.98%
EBIT Next 3Y51.42%
EBIT Next 5YN/A
FCF growth 1Y-53.32%
FCF growth 3Y12.31%
FCF growth 5Y63.38%
OCF growth 1Y-39.3%
OCF growth 3Y7.07%
OCF growth 5Y26.18%

REPAY HOLDINGS CORP / RPAY Fundamental Analysis 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 for RPAY stock?

ChartMill assigns a valuation rating of 8 / 10 to REPAY HOLDINGS CORP (RPAY). This can be considered as Undervalued.


What is the profitability of RPAY stock?

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


What are the PE and PB ratios of REPAY HOLDINGS CORP (RPAY) stock?

The Price/Earnings (PE) ratio for REPAY HOLDINGS CORP (RPAY) is 3.74 and the Price/Book (PB) ratio is 0.55.


What is the earnings growth outlook for REPAY HOLDINGS CORP?

The Earnings per Share (EPS) of REPAY HOLDINGS CORP (RPAY) is expected to grow by 10.17% in the next year.