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REPAY HOLDINGS CORP (RPAY) Stock Fundamental Analysis

NASDAQ:RPAY - Nasdaq - US76029L1008 - Common Stock - Currency: USD

5.43  -0.08 (-1.45%)

After market: 5.43 0 (0%)

Fundamental Rating

4

RPAY gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 101 industry peers in the Financial Services industry. RPAY scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. RPAY is valued quite cheap, while showing a decent growth score. This is a good combination!


Dividend Valuation Growth Profitability Health

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2

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.
RPAY had negative earnings in 4 of the past 5 years.
Each year in the past 5 years RPAY had a positive operating cash flow.
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 0 50M -50M 100M -100M 150M

1.2 Ratios

Looking at the Return On Assets, with a value of -0.84%, RPAY is doing worse than 80.20% of the companies in the same industry.
With a Return On Equity value of -1.71%, RPAY is not doing good in the industry: 75.25% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA -0.84%
ROE -1.71%
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
RPAY Yearly ROA, ROE, ROICRPAY Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2017 2018 2019 2020 2021 2022 2023 2024 0 -5 -10 -15 -20

1.3 Margins

The Gross Margin of RPAY (77.03%) is better than 84.16% 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 RankSector Rank
OM N/A
PM (TTM) N/A
GM 77.03%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y1.07%
GM growth 5Y0.49%
RPAY Yearly Profit, Operating, Gross MarginsRPAY Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2017 2018 2019 2020 2021 2022 2023 2024 0 50 -50

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5

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
RPAY has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, RPAY has a worse debt to assets ratio.
RPAY Yearly Shares OutstandingRPAY Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 2024 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 500M 1B 1.5B

2.2 Solvency

Based on the Altman-Z score of 0.41, we must say that RPAY is in the distress zone and has some risk of bankruptcy.
RPAY has a Altman-Z score (0.41) which is in line with its industry peers.
The Debt to FCF ratio of RPAY is 5.96, which is a neutral value as it means it would take RPAY, 5.96 years of fcf income to pay off all of its debts.
RPAY has a better Debt to FCF ratio (5.96) than 62.38% of its industry peers.
RPAY has a Debt/Equity ratio of 0.66. This is a neutral value indicating RPAY is somewhat dependend on debt financing.
With a Debt to Equity ratio value of 0.66, RPAY perfoms like the industry average, outperforming 55.45% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.66
Debt/FCF 5.96
Altman-Z 0.41
ROIC/WACCN/A
WACC6.24%
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 0 200M 400M 600M 800M

2.3 Liquidity

A Current Ratio of 3.71 indicates that RPAY has no problem at all paying its short term obligations.
Looking at the Current ratio, with a value of 3.71, RPAY belongs to the top of the industry, outperforming 84.16% of the companies in the same industry.
RPAY has a Quick Ratio of 3.71. This indicates that RPAY is financially healthy and has no problem in meeting its short term obligations.
RPAY has a better Quick ratio (3.71) than 85.15% of its industry peers.
Industry RankSector Rank
Current Ratio 3.71
Quick Ratio 3.71
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 50M 100M 150M 200M 250M

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4

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 5.53% 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)5.53%
Revenue growth 3Y12.6%
Revenue growth 5Y24.51%
Sales Q2Q%0.96%

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 3.65% on average per year.
Based on estimates for the next years, RPAY will show a small growth in Revenue. The Revenue will grow by 2.89% on average per year.
EPS Next Y-6.29%
EPS Next 2Y2.6%
EPS Next 3Y3.65%
EPS Next 5YN/A
Revenue Next Year-3.97%
Revenue Next 2Y1.87%
Revenue Next 3Y2.89%
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.
RPAY Yearly Revenue VS EstimatesRPAY Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M
RPAY Yearly EPS VS EstimatesRPAY Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.2 0.4 0.6 0.8 1

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7

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 6.10, which indicates a rather cheap valuation of RPAY.
RPAY's Price/Earnings ratio is rather cheap when compared to the industry. RPAY is cheaper than 91.09% 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 26.87.
RPAY is valuated cheaply with a Price/Forward Earnings ratio of 5.61.
Based on the Price/Forward Earnings ratio, RPAY is valued cheaply inside the industry as 87.13% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 35.34. RPAY is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 6.1
Fwd PE 5.61
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

Based on the Enterprise Value to EBITDA ratio, RPAY is valued a bit cheaper than the industry average as 73.27% of the companies are valued more expensively.
Based on the Price/Free Cash Flow ratio, RPAY is valued cheaper than 93.07% of the companies in the same industry.
Industry RankSector Rank
P/FCF 6.14
EV/EBITDA 9.16
RPAY Per share dataRPAY EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 -2 4 6

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y2.6%
EPS Next 3Y3.65%

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0

5. Dividend

5.1 Amount

No dividends for RPAY!.
Industry RankSector Rank
Dividend Yield N/A

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REPAY HOLDINGS CORP

NASDAQ:RPAY (8/15/2025, 8:00:01 PM)

After market: 5.43 0 (0%)

5.43

-0.08 (-1.45%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)08-11 2025-08-11/amc
Earnings (Next)11-10 2025-11-10/amc
Inst Owners96.63%
Inst Owner Change-0.58%
Ins Owners8.31%
Ins Owner Change7.87%
Market Cap513.19M
Analysts78.67
Price Target8.05 (48.25%)
Short Float %8%
Short Ratio3.7
Dividend
Industry RankSector 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)-3.88%
Min EPS beat(2)-5.01%
Max EPS beat(2)-2.76%
EPS beat(4)1
Avg EPS beat(4)-2.84%
Min EPS beat(4)-5.01%
Max EPS beat(4)0.14%
EPS beat(8)3
Avg EPS beat(8)0.95%
EPS beat(12)5
Avg EPS beat(12)0.46%
EPS beat(16)8
Avg EPS beat(16)3.65%
Revenue beat(2)1
Avg Revenue beat(2)-3.33%
Min Revenue beat(2)-6.77%
Max Revenue beat(2)0.11%
Revenue beat(4)1
Avg Revenue beat(4)-3.02%
Min Revenue beat(4)-6.77%
Max Revenue beat(4)0.11%
Revenue beat(8)4
Avg Revenue beat(8)-0.21%
Revenue beat(12)7
Avg Revenue beat(12)0.09%
Revenue beat(16)9
Avg Revenue beat(16)0.2%
PT rev (1m)8.47%
PT rev (3m)-12.35%
EPS NQ rev (1m)-0.31%
EPS NQ rev (3m)-6.36%
EPS NY rev (1m)0%
EPS NY rev (3m)-5.19%
Revenue NQ rev (1m)-0.27%
Revenue NQ rev (3m)-0.96%
Revenue NY rev (1m)-0.07%
Revenue NY rev (3m)-0.72%
Valuation
Industry RankSector Rank
PE 6.1
Fwd PE 5.61
P/S 1.66
P/FCF 6.14
P/OCF 4.02
P/B 0.68
P/tB N/A
EV/EBITDA 9.16
EPS(TTM)0.89
EY16.39%
EPS(NY)0.97
Fwd EY17.83%
FCF(TTM)0.88
FCFY16.28%
OCF(TTM)1.35
OCFY24.9%
SpS3.28
BVpS8
TBVpS-3.55
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -0.84%
ROE -1.71%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 77.03%
FCFM 26.98%
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
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-Score7
Asset Turnover0.2
Health
Industry RankSector Rank
Debt/Equity 0.66
Debt/FCF 5.96
Debt/EBITDA 5.35
Cap/Depr 43.4%
Cap/Sales 14.29%
Interest Coverage N/A
Cash Conversion 137.28%
Profit Quality N/A
Current Ratio 3.71
Quick Ratio 3.71
Altman-Z 0.41
F-Score7
WACC6.24%
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-6.29%
EPS Next 2Y2.6%
EPS Next 3Y3.65%
EPS Next 5YN/A
Revenue 1Y (TTM)5.53%
Revenue growth 3Y12.6%
Revenue growth 5Y24.51%
Sales Q2Q%0.96%
Revenue Next Year-3.97%
Revenue Next 2Y1.87%
Revenue Next 3Y2.89%
Revenue Next 5YN/A
EBIT growth 1Y50.66%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year29331.4%
EBIT Next 3Y593.61%
EBIT Next 5YN/A
FCF growth 1Y134.64%
FCF growth 3Y52.25%
FCF growth 5Y51.08%
OCF growth 1Y57.19%
OCF growth 3Y41.19%
OCF growth 5Y47.79%