3.4 USD
-0.05 (-1.45%)
3.4 USD
0 (0%)
Taking everything into account, RPAY scores 3 out of 10 in our fundamental rating. RPAY was compared to 97 industry peers in the Financial Services industry. RPAY has a bad profitability rating. Also its financial health evaluation is rather negative. A decent growth rate in combination with a cheap valuation! Better keep an eye on RPAY.
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.
RPAY had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of RPAY (-9.05%) is worse than 86.60% of its industry peers.
RPAY has a worse Return On Equity (-19.57%) than 84.54% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
The Gross Margin of RPAY (75.54%) is better than 82.47% 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 Rank | Sector 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%
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
Based on the Altman-Z score of -0.04, we must say that RPAY is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of RPAY (-0.04) is worse than 62.89% 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.
RPAY has a Debt to FCF ratio (7.30) which is comparable to the rest of the industry.
RPAY has a Debt/Equity ratio of 0.45. This is a healthy value indicating a solid balance between debt and equity.
With a Debt to Equity ratio value of 0.45, RPAY perfoms like the industry average, outperforming 57.73% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.45 | ||
| Debt/FCF | 7.3 | ||
| Altman-Z | -0.04 |
ROIC/WACCN/A
WACC4.03%
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 (0.81) which is comparable to the rest of the industry.
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.
The Quick ratio of RPAY (0.81) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.81 | ||
| Quick Ratio | 0.81 |
3. Growth
3.1 Past
The earnings per share for RPAY have decreased by -8.42% in the last year.
The Earnings Per Share has been growing slightly by 3.49% on average over the past years.
RPAY shows a decrease in Revenue. In the last year, the revenue decreased by -0.58%.
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)-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
Based on estimates for the next years, RPAY will show a small growth in Earnings Per Share. The EPS will grow by 2.34% on average per year.
The Revenue is expected to grow by 3.30% on average over the next years.
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
The EPS growth rate is decreasing: in the next years the growth will be less 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
With a Price/Earnings ratio of 3.91, the valuation of RPAY can be described as very cheap.
Based on the Price/Earnings ratio, RPAY is valued cheaper than 96.91% 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 26.55.
A Price/Forward Earnings ratio of 3.53 indicates a rather cheap valuation of RPAY.
Based on the Price/Forward Earnings ratio, RPAY is valued cheaper than 96.91% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.78, RPAY is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.91 | ||
| Fwd PE | 3.53 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, RPAY is valued cheaper than 84.54% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, RPAY is valued cheaply inside the industry as 93.81% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.32 | ||
| EV/EBITDA | 6.93 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y2.32%
EPS Next 3Y2.34%
5. Dividend
5.1 Amount
RPAY does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
3.4
-0.05 (-1.45%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners91.52%
Inst Owner Change-1.87%
Ins Owners8.58%
Ins Owner Change0.56%
Market Cap310.59M
Revenue(TTM)308.95M
Net Income(TTM)-120.73M
Analysts80
Price Target7.87 (131.47%)
Short Float %7.4%
Short Ratio4.32
Dividend
| Industry Rank | Sector 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)-9.62%
PT rev (3m)-5.78%
EPS NQ rev (1m)-7.55%
EPS NQ rev (3m)-7.69%
EPS NY rev (1m)-2.82%
EPS NY rev (3m)-3.16%
Revenue NQ rev (1m)-0.29%
Revenue NQ rev (3m)-0.32%
Revenue NY rev (1m)0.18%
Revenue NY rev (3m)0.17%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.91 | ||
| Fwd PE | 3.53 | ||
| P/S | 1.01 | ||
| P/FCF | 5.32 | ||
| P/OCF | 3.05 | ||
| P/B | 0.5 | ||
| P/tB | N/A | ||
| EV/EBITDA | 6.93 |
EPS(TTM)0.87
EY25.59%
EPS(NY)0.96
Fwd EY28.33%
FCF(TTM)0.64
FCFY18.79%
OCF(TTM)1.11
OCFY32.77%
SpS3.38
BVpS6.75
TBVpS-3.74
PEG (NY)N/A
PEG (5Y)N/A
Graham Number11.5
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | -0.04 |
F-Score5
WACC4.03%
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.
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 2 / 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 -7.19% in the next year.