Repay Holdings Corporation (RPAY)

NASDAQ: RPAY · USD

$4.44

+0.15 (+3.5%)· Recorded snapshot

Market cap	391.5M
Revenue (ttm)	337.8M
Net income (ttm)	-167.5M
EPS (ttm)	-$2.03
Shares out	88.2M
P/E (forward)	4.0x
Volume	492,337
Beta	1.88

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 337.8M
Net income (ttm): -167.5M
EPS (ttm): -$2.03
P/E (forward): 4.0x
Market cap: 391.5M

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E4

P25 n/aP50 n/aP75 n/a

Trailing P/En/a

P25 n/aP50 n/aP75 n/a

ROE-31.8

P25 n/aP50 n/aP75 n/a

ROIC-1.1

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All RPAY indicators

Market & fundamental data

Available fields

232

Groups with data

Currency

USD

Showing 232 of 232 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	USD
CIK code	0001720592
Company name	Repay Holdings Corporation
Country	United States
Country code	US
CUSIP number	76029L100
Earnings date	2026-11-09
Earnings time	amc
Employees	486
Employees change	21
Employees growth	4.52%
Enterprise value	$1.1B
Exchange	NASDAQ
Financial currency	USD
Financial report date	2026-06-30
First seen	2026-05-09
Fiscal year end	December
Founded	2006
In index	RUSSELL2000
Industry	Software - Infrastructure
Is primary listing	Yes
Is SPAC	No
ISIN number	US76029L1008
Last 10-K release date	2026-03-09
Last earnings date	2026-08-10
Last refreshed	2026-10-28
Last stock split type	Never
Market cap	$391.5M
Market cap category	Small-Cap
Next earnings date	2026-11-09
Options	Yes
Price	$4.44
Price currency	USD
Sector	Technology
SIC code	7389
Stock price date	2026-10-28
Symbol	RPAY
U.S. state	Georgia
Website	https://repay.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Adjusted P/E ratio	5.41x
Earnings yield	-45.66%
EV/EBITDA	14.65x
EV/FCF	9.74x
EV/Sales	3.18x
FCF / EV yield	10.26%
FCF yield	28.7%
Forward EV/Sales	1.75x
Forward P/E	3.97x
Forward P/S	0.62x
Industry forward P/E	29.48x
Industry P/E	39.18x
P/(FCF - SBC) ratio	4.24x
P/(OCF - SBC) ratio	4.13x
P/B ratio	0.75x
P/FCF ratio	3.48x
P/OCF ratio	3.41x
P/S ratio	1.14x
Price/EBITDA ratio	5.24x
Sector forward P/E	18.38x
Sector P/E	32.76x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
EBIT margin	-3.12%
EBITDA margin	21.68%
FCF margin	32.59%
Gross margin	73.49%
Operating margin	-3.12%
Pretax margin	-53.64%
Profit margin	-49.57%
Profit per employee	$-344,551
Revenue per employee	$695,080
ROA	-0.44%
ROA (5Y)	-1.11%
ROCE	-0.72%
ROE	-31.83%
ROE (5Y)	-12.9%
ROIC	-1.06%
ROIC (5Y)	-2.08%
SBC / revenue	5.83%
Tax / revenue	-1.41%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth quarters	1
EPS growth years	0
FCF growth	-14.91%
FCF growth (Q)	14.86%
FCF growth (QoQ)	127.87%
FCF growth 3Y	8.38%
FCF growth 5Y	26.12%
Gross profit growth	4.68%
Gross profit growth (Q)	23.42%
Gross profit growth 3Y	3.45%
Gross profit growth 5Y	14.19%
Net income growth quarters	1
Net income growth years	0
OCF growth	-13.3%
OCF growth (Q)	21.7%
OCF growth (QoQ)	139.19%
OCF growth 3Y	8.59%
OCF growth 5Y	25.66%
Revenue growth	8.84%
Revenue growth (Q)	33.16%
Revenue growth (QoQ)	24.64%
Revenue growth 3Y	5.15%
Revenue growth 5Y	14.06%
Revenue growth quarters	3
Revenue growth years	0

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	$-2.5M
Depreciation and amortization	$83.8M
EBIT	$-10.6M
EBITDA	$73.2M
EPS	$-2.03
FCF per share	$1.25
Financing cash flow	$221.8M
Free cash flow	$110.1M
Free cash flow minus SBC	$90.4M
Gross profit	$248.2M
Income taxes	$-4.8M
Investing cash flow	$-416M
Net borrowing	$281.5M
Net cash flow	$-81.5M
Net income	$-167.5M
Operating cash flow minus SBC	$92.9M
Operating income	$-10.6M
Revenue	$337.8M
Stock-based compensation	$19.7M

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Altman Z-Score	-0.12
Book value per share	$5.70
Debt / EBITDA	10.2
Debt / equity	1.65
Debt / FCF	7.02
Goodwill	$652.1M
Interest coverage	-0.54
Long-term assets	$1.4B
Long-term liabilities	$991.7M
Net cash (debt)	$-689.2M
Net cash / market cap	-179.66%
Net debt / EBITDA	9.41
Net debt / equity	1.47
Net debt / FCF	6.26
Piotroski F-Score	4
Property, plant and equipment	$22.2M
Shareholders' equity	$469.3M
Tangible book value	$-739.8M
Tangible book value per share	$-8.92
Total assets	$1.6B
Total cash	$83.7M
Total debt	$772.8M
Total liabilities	$1.1B
WACC	6.19%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Asset turnover	0.22
Current assets	$213M
Current liabilities	$146.9M
Current ratio	1.45
Net working capital	$-7M
Quick ratio	1.03
Working capital	$66.1M
Working capital turnover	30.35

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	6.74%
Dividend yield	0%
Shareholder yield	6.74%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
150-day SMA	$3.70
1D price change	3.5%
1M price change	13.98%
1M total return	13.98%
1W price change	6.14%
1W total return	6.14%
1Y price change	-14.46%
1Y return CAGR	-14.46%
1Y total return	-14.46%
20-day SMA	$4.04
200-day SMA	$3.56
3M price change	6.93%
3M total return	6.93%
3Y price change	-26.66%
3Y return CAGR	-9.82%
3Y total return	-26.66%
50-day SMA	$3.88
50-day SMA vs 200-day SMA	50over200
52-week high	$5.25
52-week high date	2025-10-28
52-week low	$2.30
52-week low date	2026-04-07
5Y price change	-79.82%
5Y return CAGR	-27.4%
5Y total return	-79.82%
6M price change	6.93%
6M total return	6.93%
All-time high	$28.42
All-time high date	2020-12-22
All-time low	$2.30
All-time low date	2026-04-07
Average true range (ATR)	$0.17
Average volume	340.7K
Beta (1Y)	1.79
Beta (2Y)	1.28
Beta (5Y)	1.88
Change from 52-week high	-15.43%
Change from 52-week low	93.04%
Change from all-time high	-84.8%
Change from all-time low	87.83%
Change from open	3.74%
Day's gap	-0.23%
Dollar volume	$2.2M
High price	$4.44
Low price	$4.19
Monthly RSI	44.51
Open price	$4.28
Position in 52-week range	100%
Previous close	$4.29
Price vs 150-day SMA	16.82%
Price vs 20-day SMA	7.04%
Price vs 200-day SMA	21.31%
Price vs 50-day SMA	11.4%
Relative volume	1.45
RSI	62.17
Sharpe ratio	0.06
Sharpe ratio (3Y)	0
Sharpe ratio (5Y)	-0.31
Sortino ratio	0.19
Sortino ratio (3Y)	0.11
Sortino ratio (5Y)	-0.37
Volume	492.3K
Weekly RSI	58.12
YTD price change	18.36%
YTD total return	18.36%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	42.4M
Float percentage	48.03%
Shares change (QoQ)	0.93%
Shares change (YoY)	-6.74%
Shares held by insiders	10.73%
Shares held by institutions	60.77%
Shares outstanding	88.2M
Short % of float	8.96%
Short % of shares	4.3%
Short ratio	8.6 days

Deeper analysis on RPAY

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

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Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

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Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

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Frequently asked questions

About this RPAY report

Is a complete RPAY research report available?

No complete published report is available for Repay Holdings Corporation (RPAY) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

Repay Holdings Corporation (RPAY)

Price

Financial snapshot

Fair-value bridge

Latest news · RPAY

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All RPAY indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on RPAY

Frequently asked questions