REPAY HOLDINGS CORP (RPAY) Stock Fundamental Analysis
NASDAQ:RPAY - Nasdaq - US76029L1008 - Common Stock - Currency: USD
RPAY gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 101 industry peers in the Financial Services industry. While RPAY seems to be doing ok healthwise, there are quite some concerns on its profitability. RPAY scores decently on growth, while it is valued quite cheap. This could make an interesting combination.
1. Profitability
1.1 Basic Checks
RPAY had positive earnings in the past year.
RPAY had a positive operating cash flow in the past year.
In the past 5 years RPAY reported 4 times negative net income.
RPAY had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
RPAY's Return On Assets of -0.65% is on the low side compared to the rest of the industry. RPAY is outperformed by 79.21% of its industry peers.
The Return On Equity of RPAY (-1.33%) is worse than 79.21% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.65% | ||
| ROE | -1.33% | ||
| 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 has a better Gross Margin (77.12%) than 85.15% 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 | 77.12% |
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.
RPAY has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, RPAY has more shares outstanding
The debt/assets ratio for RPAY is higher compared to a year ago.
2.2 Solvency
RPAY has an Altman-Z score of 0.29. 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 0.29, RPAY perfoms like the industry average, outperforming 46.53% of the companies in the same industry.
RPAY has a debt to FCF ratio of 4.72. This is a neutral value as RPAY would need 4.72 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 4.72, RPAY is in the better half of the industry, outperforming 67.33% of the companies in the same industry.
A Debt/Equity ratio of 0.65 indicates that RPAY is somewhat dependend on debt financing.
RPAY has a Debt to Equity ratio (0.65) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.65 | ||
| Debt/FCF | 4.72 | ||
| Altman-Z | 0.29 |
ROIC/WACCN/A
WACC7.5%
2.3 Liquidity
RPAY has a Current Ratio of 2.69. This indicates that RPAY is financially healthy and has no problem in meeting its short term obligations.
With an excellent Current ratio value of 2.69, RPAY belongs to the best of the industry, outperforming 84.16% of the companies in the same industry.
A Quick Ratio of 2.69 indicates that RPAY has no problem at all paying its short term obligations.
The Quick ratio of RPAY (2.69) is better than 85.15% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.69 | ||
| Quick Ratio | 2.69 |
3. Growth
3.1 Past
RPAY shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 5.75%.
The Earnings Per Share has been growing slightly by 3.49% on average over the past years.
Looking at the last year, RPAY shows a small growth in Revenue. The Revenue has grown by 5.53% in the last year.
The Revenue has been growing by 24.51% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)5.75%
EPS 3Y3.49%
EPS 5YN/A
EPS Q2Q%-11.11%
Revenue 1Y (TTM)5.53%
Revenue growth 3Y12.6%
Revenue growth 5Y24.51%
Sales Q2Q%3.01%
3.2 Future
RPAY is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.55% yearly.
RPAY is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.29% yearly.
EPS Next Y-1.16%
EPS Next 2Y4.3%
EPS Next 3Y5.55%
EPS Next 5YN/A
Revenue Next Year-2.68%
Revenue Next 2Y2.29%
Revenue Next 3Y4.29%
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 accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 4.11, the valuation of RPAY can be described as very cheap.
Based on the Price/Earnings ratio, RPAY is valued cheaper than 95.05% of the companies in the same industry.
RPAY's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.22.
Based on the Price/Forward Earnings ratio of 4.16, the valuation of RPAY can be described as very cheap.
96.04% of the companies in the same industry are more expensive than RPAY, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 20.86. RPAY is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.11 | ||
| Fwd PE | 4.16 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, RPAY is valued cheaper than 80.20% of the companies in the same industry.
95.05% 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 | 3.5 | ||
| EV/EBITDA | 6.99 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y4.3%
EPS Next 3Y5.55%
5. Dividend
5.1 Amount
RPAY does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
3.78
+0.05 (+1.34%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners100.28%
Inst Owner Change-0.46%
Ins Owners6.11%
Ins Owner Change6.08%
Market Cap368.51M
Analysts76.47
Price Target9.55 (152.65%)
Short Float %8.02%
Short Ratio5.32
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)1
Avg EPS beat(2)-2.44%
Min EPS beat(2)-5.01%
Max EPS beat(2)0.14%
EPS beat(4)2
Avg EPS beat(4)-1.89%
Min EPS beat(4)-5.01%
Max EPS beat(4)1.08%
EPS beat(8)3
Avg EPS beat(8)1.22%
EPS beat(12)5
Avg EPS beat(12)-0.34%
EPS beat(16)9
Avg EPS beat(16)4.49%
Revenue beat(2)0
Avg Revenue beat(2)-4.34%
Min Revenue beat(2)-6.77%
Max Revenue beat(2)-1.91%
Revenue beat(4)1
Avg Revenue beat(4)-2.95%
Min Revenue beat(4)-6.77%
Max Revenue beat(4)0.41%
Revenue beat(8)4
Avg Revenue beat(8)0.34%
Revenue beat(12)6
Avg Revenue beat(12)-0.06%
Revenue beat(16)9
Avg Revenue beat(16)0.43%
PT rev (1m)-15.92%
PT rev (3m)-17.93%
EPS NQ rev (1m)0.31%
EPS NQ rev (3m)-6.56%
EPS NY rev (1m)0.36%
EPS NY rev (3m)-9.71%
Revenue NQ rev (1m)-0.82%
Revenue NQ rev (3m)-10.01%
Revenue NY rev (1m)-3.14%
Revenue NY rev (3m)-7.84%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.11 | ||
| Fwd PE | 4.16 | ||
| P/S | 1.18 | ||
| P/FCF | 3.5 | ||
| P/OCF | 2.46 | ||
| P/B | 0.48 | ||
| P/tB | N/A | ||
| EV/EBITDA | 6.99 |
EPS(TTM)0.92
EY24.34%
EPS(NY)0.91
Fwd EY24.06%
FCF(TTM)1.08
FCFY28.56%
OCF(TTM)1.54
OCFY40.73%
SpS3.21
BVpS7.81
TBVpS-3.53
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.65% | ||
| ROE | -1.33% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 77.12% | ||
| FCFM | 33.62% |
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-Score6
Asset Turnover0.2
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.65 | ||
| Debt/FCF | 4.72 | ||
| Debt/EBITDA | 5.18 | ||
| Cap/Depr | 43.25% | ||
| Cap/Sales | 14.33% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | 156.44% | ||
| Profit Quality | N/A | ||
| Current Ratio | 2.69 | ||
| Quick Ratio | 2.69 | ||
| Altman-Z | 0.29 |
F-Score6
WACC7.5%
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)5.75%
EPS 3Y3.49%
EPS 5YN/A
EPS Q2Q%-11.11%
EPS Next Y-1.16%
EPS Next 2Y4.3%
EPS Next 3Y5.55%
EPS Next 5YN/A
Revenue 1Y (TTM)5.53%
Revenue growth 3Y12.6%
Revenue growth 5Y24.51%
Sales Q2Q%3.01%
Revenue Next Year-2.68%
Revenue Next 2Y2.29%
Revenue Next 3Y4.29%
Revenue Next 5YN/A
EBIT growth 1Y61.5%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year30215.5%
EBIT Next 3Y623.15%
EBIT Next 5YN/A
FCF growth 1Y168.1%
FCF growth 3Y52.25%
FCF growth 5Y51.08%
OCF growth 1Y44.85%
OCF growth 3Y41.19%
OCF growth 5Y47.79%