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 99 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 may be a bit undervalued, certainly considering the very reasonable score on growth
1. Profitability
1.1 Basic Checks
In the past year RPAY was profitable.
RPAY had a positive operating cash flow in the past year.
RPAY had negative earnings in 4 of the past 5 years.
In the past 5 years RPAY always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of RPAY (-0.84%) is worse than 83.84% of its industry peers.
The Return On Equity of RPAY (-1.71%) is worse than 80.81% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
With an excellent Gross Margin value of 77.03%, RPAY belongs to the best of the industry, outperforming 85.86% 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 Rank | Sector 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%
2. Health
2.1 Basic Checks
RPAY does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for RPAY has been reduced compared to 1 year ago.
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
Based on the Altman-Z score of 0.37, we must say that RPAY is in the distress zone and has some risk of bankruptcy.
RPAY has a Altman-Z score of 0.37. This is comparable to the rest of the industry: RPAY outperforms 46.46% of its industry peers.
RPAY has a debt to FCF ratio of 5.96. This is a neutral value as RPAY would need 5.96 years to pay back of all of its debts.
RPAY has a better Debt to FCF ratio (5.96) than 61.62% 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.
RPAY's Debt to Equity ratio of 0.66 is in line compared to the rest of the industry. RPAY outperforms 53.54% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.66 | ||
| Debt/FCF | 5.96 | ||
| Altman-Z | 0.37 |
ROIC/WACCN/A
WACC6.2%
2.3 Liquidity
RPAY has a Current Ratio of 3.71. This indicates that RPAY is financially healthy and has no problem in meeting its short term obligations.
Looking at the Current ratio, with a value of 3.71, RPAY belongs to the top of the industry, outperforming 85.86% 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.
With an excellent Quick ratio value of 3.71, RPAY belongs to the best of the industry, outperforming 86.87% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 3.71 | ||
| Quick Ratio | 3.71 |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 1.11% over the past year.
Measured over the past 5 years, RPAY shows a small growth in Earnings Per Share. The EPS has been growing by 3.49% on average per year.
Looking at the last year, RPAY shows a small growth in Revenue. The Revenue has grown by 2.26% in the last 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)1.11%
EPS 3Y3.49%
EPS 5YN/A
EPS Q2Q%-4.35%
Revenue 1Y (TTM)2.26%
Revenue growth 3Y12.6%
Revenue growth 5Y24.51%
Sales Q2Q%-4.21%
3.2 Future
The Earnings Per Share is expected to grow by 3.51% on average over the next years.
The Revenue is expected to grow by 3.49% on average over the next years.
EPS Next Y-5.68%
EPS Next 2Y3.11%
EPS Next 3Y3.51%
EPS Next 5YN/A
Revenue Next Year-3.49%
Revenue Next 2Y2.22%
Revenue Next 3Y3.49%
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 5.62, which indicates a rather cheap valuation of RPAY.
Based on the Price/Earnings ratio, RPAY is valued cheaply inside the industry as 88.89% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 26.46, RPAY is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 5.22, the valuation of RPAY can be described as very cheap.
Based on the Price/Forward Earnings ratio, RPAY is valued cheaply inside the industry as 86.87% of the companies are valued more expensively.
RPAY is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.30, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.62 | ||
| Fwd PE | 5.22 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, RPAY is valued a bit cheaper than the industry average as 74.75% of the companies are valued more expensively.
Based on the Price/Free Cash Flow ratio, RPAY is valued cheaper than 93.94% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.78 | ||
| EV/EBITDA | 8.59 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y3.11%
EPS Next 3Y3.51%
5. Dividend
5.1 Amount
No dividends for RPAY!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
5.11
+0.16 (+3.23%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners100.28%
Inst Owner Change-1.05%
Ins Owners6.11%
Ins Owner Change6.18%
Market Cap482.95M
Analysts76.47
Price Target9.18 (79.65%)
Short Float %8.66%
Short Ratio3.18
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)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)-3.88%
PT rev (3m)-19.18%
EPS NQ rev (1m)-4.86%
EPS NQ rev (3m)-10.31%
EPS NY rev (1m)-4.57%
EPS NY rev (3m)-12.39%
Revenue NQ rev (1m)-0.15%
Revenue NQ rev (3m)-6.1%
Revenue NY rev (1m)-0.83%
Revenue NY rev (3m)-8.01%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.62 | ||
| Fwd PE | 5.22 | ||
| P/S | 1.56 | ||
| P/FCF | 5.78 | ||
| P/OCF | 3.78 | ||
| P/B | 0.64 | ||
| P/tB | N/A | ||
| EV/EBITDA | 8.59 |
EPS(TTM)0.91
EY17.81%
EPS(NY)0.98
Fwd EY19.14%
FCF(TTM)0.88
FCFY17.3%
OCF(TTM)1.35
OCFY26.46%
SpS3.28
BVpS8
TBVpS-3.55
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 0.37 |
F-Score7
WACC6.2%
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)1.11%
EPS 3Y3.49%
EPS 5YN/A
EPS Q2Q%-4.35%
EPS Next Y-5.68%
EPS Next 2Y3.11%
EPS Next 3Y3.51%
EPS Next 5YN/A
Revenue 1Y (TTM)2.26%
Revenue growth 3Y12.6%
Revenue growth 5Y24.51%
Sales Q2Q%-4.21%
Revenue Next Year-3.49%
Revenue Next 2Y2.22%
Revenue Next 3Y3.49%
Revenue Next 5YN/A
EBIT growth 1Y50.66%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year29615.8%
EBIT Next 3Y598.57%
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%