REPAY HOLDINGS CORP (RPAY)
US76029L1008 - Common Stock
Overall RPAY gets a fundamental rating of 4 out of 10. We evaluated RPAY against 102 industry peers in the Financial Services industry. The financial health of RPAY is average, but there are quite some concerns on its profitability. RPAY has a correct valuation and a medium growth rate.
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.
Each year in the past 5 years RPAY had a positive operating cash flow.
1.2 Ratios
RPAY has a worse Return On Assets (-5.89%) than 81.37% of its industry peers.
The Return On Equity of RPAY (-10.97%) is worse than 75.49% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -5.89% | ||
| ROE | -10.97% | ||
| ROIC | N/A |
ROA(3y)-3.15%
ROA(5y)-5.21%
ROE(3y)-5.95%
ROE(5y)-12.07%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
RPAY has a better Gross Margin (76.58%) than 84.31% 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 | 76.58% |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y1.44%
GM growth 5YN/A
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 increased 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
RPAY has an Altman-Z score of 0.84. This is a bad value and indicates that RPAY is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 0.84, RPAY is in line with its industry, outperforming 56.86% of the companies in the same industry.
The Debt to FCF ratio of RPAY is 9.49, which is on the high side as it means it would take RPAY, 9.49 years of fcf income to pay off all of its debts.
RPAY has a Debt to FCF ratio (9.49) which is comparable to the rest of the industry.
A Debt/Equity ratio of 0.53 indicates that RPAY is somewhat dependend on debt financing.
RPAY has a Debt to Equity ratio (0.53) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.53 | ||
| Debt/FCF | 9.49 | ||
| Altman-Z | 0.84 |
ROIC/WACCN/A
WACC6.54%
2.3 Liquidity
A Current Ratio of 3.44 indicates that RPAY has no problem at all paying its short term obligations.
With an excellent Current ratio value of 3.44, RPAY belongs to the best of the industry, outperforming 88.24% of the companies in the same industry.
A Quick Ratio of 3.44 indicates that RPAY has no problem at all paying its short term obligations.
RPAY has a Quick ratio of 3.44. This is amongst the best in the industry. RPAY outperforms 89.22% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 3.44 | ||
| Quick Ratio | 3.44 |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 7.14% over the past year.
RPAY shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 13.19% yearly.
The Revenue has been growing slightly by 5.80% in the past year.
Measured over the past years, RPAY shows a very strong growth in Revenue. The Revenue has been growing by 24.15% on average per year.
EPS 1Y (TTM)7.14%
EPS 3Y13.19%
EPS 5YN/A
EPS growth Q2Q15%
Revenue 1Y (TTM)5.8%
Revenue growth 3Y24.15%
Revenue growth 5YN/A
Revenue growth Q2Q8.29%
3.2 Future
RPAY is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 9.16% yearly.
Based on estimates for the next years, RPAY will show a quite strong growth in Revenue. The Revenue will grow by 8.83% on average per year.
EPS Next Y11.53%
EPS Next 2Y10.9%
EPS Next 3Y9.16%
EPS Next 5YN/A
Revenue Next Year9.46%
Revenue Next 2Y8.43%
Revenue Next 3Y8.83%
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.
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 11.25, the valuation of RPAY can be described as reasonable.
70.59% of the companies in the same industry are more expensive than RPAY, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 28.91. RPAY is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 9.46, the valuation of RPAY can be described as very reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of RPAY indicates a somewhat cheap valuation: RPAY is cheaper than 72.55% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 20.51, RPAY is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.25 | ||
| Fwd PE | 9.46 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, RPAY is valued a bit cheaper than 61.76% of the companies in the same industry.
RPAY's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 22.16 | ||
| EV/EBITDA | 15.46 |
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)0.98
PEG (5Y)N/A
EPS Next 2Y10.9%
EPS Next 3Y9.16%
5. Dividend
5.1 Amount
No dividends for RPAY!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
REPAY HOLDINGS CORP
NASDAQ:RPAY (5/16/2024, 9:59:02 AM)
10.125
-0.19 (-1.79%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap1.02B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.25 | ||
| Fwd PE | 9.46 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)0.98
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -5.89% | ||
| ROE | -10.97% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 76.58% | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.2
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.53 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 3.44 | ||
| Quick Ratio | 3.44 | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)7.14%
EPS 3Y13.19%
EPS 5Y
EPS growth Q2Q
EPS Next Y11.53%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)5.8%
Revenue growth 3Y24.15%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y