We assign a fundamental rating of 3 out of 10 to RPAY. RPAY was compared to 97 industry peers in the Financial Services industry. RPAY may be in some trouble as it scores bad on both profitability and health. RPAY is valued quite cheap, while showing a decent growth score. This is a good combination!

Quickly go to:

1. Profitability

2. Health

3. Growth

4. Valuation

5. Dividend

1. Profitability

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.

1.2 Ratios

The Return On Assets of RPAY (-9.05%) is worse than 85.57% of its industry peers.
RPAY has a worse Return On Equity (-19.57%) than 83.51% 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 81.44% of its industry peers.
RPAY's Gross Margin has been stable in the last couple of years.
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%

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

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
The number of shares outstanding for RPAY has been increased compared to 5 years ago.
Compared to 1 year ago, RPAY has a worse debt to assets ratio.

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.
RPAY has a Altman-Z score of -0.03. This is in the lower half of the industry: RPAY underperforms 63.92% 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.
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	-0.03

ROIC/WACCN/A

WACC5.84%

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's Current ratio of 0.81 is in line compared 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.
RPAY's Quick ratio of 0.81 is in line compared to the rest of the industry. RPAY outperforms 45.36% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	0.81
Quick Ratio	0.81

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

3. Growth

3.1 Past

RPAY shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -8.42%.
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 decrease in Revenue. The Revenue has decreased by -0.58% in the last year.
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

RPAY is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 2.34% yearly.
Based on estimates for the next years, RPAY will show a small growth in Revenue. The Revenue will grow by 3.30% on average per year.

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.
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.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 4.01, the valuation of RPAY can be described as very cheap.
RPAY's Price/Earnings ratio is rather cheap when compared to the industry. RPAY is cheaper than 96.91% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 28.32. RPAY is valued rather cheaply when compared to this.
RPAY is valuated cheaply with a Price/Forward Earnings ratio of 3.62.
Based on the Price/Forward Earnings ratio, RPAY is valued cheaply inside the industry as 97.94% of the companies are valued more expensively.
When comparing the Price/Forward Earnings ratio of RPAY to the average of the S&P500 Index (25.57), we can say RPAY is valued rather cheaply.

		Industry Rank	Sector Rank
PE	4.01
Fwd PE	3.62

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, RPAY is valued cheaper than 83.51% 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.