REPAY HOLDINGS CORP (RPAY) Fundamental Analysis & Valuation

NASDAQ:RPAY • US76029L1008

2.67 USD
-0.04 (-1.48%)
At close: Mar 13, 2026
2.68 USD
+0.01 (+0.37%)
After Hours: 3/13/2026, 8:00:02 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

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

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to RPAY. RPAY was compared to 98 industry peers in the Financial Services industry. Both the profitability and financial health of RPAY have multiple concerns. RPAY is valued quite cheap, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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.
  • Of the past 5 years RPAY 4 years 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

  • RPAY has a worse Return On Assets (-9.05%) than 84.69% of its industry peers.
  • Looking at the Return On Equity, with a value of -19.57%, RPAY is doing worse than 78.57% of the companies in the same industry.
Industry RankSector 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
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

  • Looking at the Gross Margin, with a value of 75.54%, RPAY belongs to the top of the industry, outperforming 81.63% of the companies in the same industry.
  • 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 RankSector 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%
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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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.
  • There is no outstanding debt for RPAY. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
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 -0.09, we must say that RPAY is in the distress zone and has some risk of bankruptcy.
  • The Altman-Z score of RPAY (-0.09) is worse than 64.29% of its industry peers.
  • RPAY has a debt to FCF ratio of 7.30. This is a slightly negative value and a sign of low solvency as RPAY would need 7.30 years to pay back of all of its debts.
  • RPAY has a Debt to FCF ratio of 7.30. This is comparable to the rest of the industry: RPAY outperforms 50.00% of its industry peers.
  • A Debt/Equity ratio of 0.45 indicates that RPAY is not too dependend on debt financing.
  • RPAY's Debt to Equity ratio of 0.45 is in line compared to the rest of the industry. RPAY outperforms 56.12% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.45
Debt/FCF 7.3
Altman-Z -0.09
ROIC/WACCN/A
WACC5.48%
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

  • 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 of 0.81. This is comparable to the rest of the industry: RPAY outperforms 45.92% of its industry peers.
  • A Quick Ratio of 0.81 indicates that RPAY may have some problems paying its short term obligations.
  • RPAY has a Quick ratio (0.81) which is comparable to the rest of the industry.
Industry RankSector Rank
Current Ratio 0.81
Quick Ratio 0.81
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

More info and screens

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

3

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%.
  • Measured over the past 5 years, RPAY shows a small growth in Earnings Per Share. The EPS has been growing by 6.45% on average per year.
EPS 1Y (TTM)-10.87%
EPS 3Y-0.4%
EPS 5Y6.45%
EPS Q2Q%-20.83%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%0.4%

3.2 Future

  • The Earnings Per Share is expected to grow by 9.66% on average over the next years. This is quite good.
  • Based on estimates for the next years, RPAY will show a small growth in Revenue. The Revenue will grow by 6.60% on average per year.
EPS Next Y17.46%
EPS Next 2Y9.66%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year7.12%
Revenue Next 2Y6.6%
Revenue Next 3YN/A
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.
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

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8

4. RPAY Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 3.26 indicates a rather cheap valuation of RPAY.
  • Based on the Price/Earnings ratio, RPAY is valued cheaply inside the industry as 96.94% of the companies are valued more expensively.
  • RPAY is valuated cheaply when we compare the Price/Earnings ratio to 25.70, which is the current average of the S&P500 Index.
  • RPAY is valuated cheaply with a Price/Forward Earnings ratio of 2.77.
  • 98.98% of the companies in the same industry are more expensive than RPAY, based on the Price/Forward Earnings ratio.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 23.84, RPAY is valued rather cheaply.
Industry RankSector Rank
PE 3.26
Fwd PE 2.77
RPAY Price Earnings VS Forward Price EarningsRPAY Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, RPAY is valued cheaply inside the industry as 84.69% of the companies are valued more expensively.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of RPAY indicates a rather cheap valuation: RPAY is cheaper than 95.92% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 4.18
EV/EBITDA 6.25
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

  • RPAY's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.19
PEG (5Y)0.51
EPS Next 2Y9.66%
EPS Next 3YN/A

More info and screens

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

0

5. RPAY Dividend Analysis

5.1 Amount

  • RPAY does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

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RPAY Fundamentals: All Metrics, Ratios and Statistics

REPAY HOLDINGS CORP

NASDAQ:RPAY (3/13/2026, 8:00:02 PM)

After market: 2.68 +0.01 (+0.37%)

2.67

-0.04 (-1.48%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)03-09
Earnings (Next)05-11
Inst Owners89.87%
Inst Owner Change4.4%
Ins Owners8.49%
Ins Owner Change-0.6%
Market Cap243.90M
Revenue(TTM)N/A
Net Income(TTM)-120.73M
Analysts80
Price Target7.87 (194.76%)
Short Float %8.34%
Short Ratio5.71
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)-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)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 3.26
Fwd PE 2.77
P/S 0.79
P/FCF 4.18
P/OCF 2.4
P/B 0.4
P/tB N/A
EV/EBITDA 6.25
EPS(TTM)0.82
EY30.71%
EPS(NY)0.96
Fwd EY36.07%
FCF(TTM)0.64
FCFY23.92%
OCF(TTM)1.11
OCFY41.74%
SpS3.38
BVpS6.75
TBVpS-3.74
PEG (NY)0.19
PEG (5Y)0.51
Graham Number11.16
Profitability
Industry RankSector 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 RankSector 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 -0.09
F-Score5
WACC5.48%
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)-10.87%
EPS 3Y-0.4%
EPS 5Y6.45%
EPS Q2Q%-20.83%
EPS Next Y17.46%
EPS Next 2Y9.66%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%0.4%
Revenue Next Year7.12%
Revenue Next 2Y6.6%
Revenue Next 3YN/A
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.


What is the valuation status of REPAY HOLDINGS CORP (RPAY) stock?

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


How profitable is REPAY HOLDINGS CORP (RPAY) stock?

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


How financially healthy is REPAY HOLDINGS CORP?

The financial health rating of REPAY HOLDINGS CORP (RPAY) is 2 / 10.


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 17.46% in the next year.