RPAY logo

REPAY HOLDINGS CORP

RPAYNASDAQ
🏆 #3294 by market capUS Equity
$3.73▼ $0.02 (−0.53%)
After hours · at close
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24h▼ 0.5%
7d▼ 4.2%
14d▼ 1.6%
30d▼ 0.3%
ytd▲ 1.9%
1y▼ 30.0%
🏦Market Cap
$329M
Small Cap
📈Revenue Growth (YoY)
+8.8%
Slowing
📊Gross Margin
73.5%
High
💵FCF Margin
18.3%
Healthy
⚖️P/S Ratio
1.0x
Cheap
Otter Score
72
Fair

Trading Snapshot

Day Range
$3.70 – $3.76
52-Week Range
$2.30 – $5.39
Volume
$2.67B
Avg Volume
$3.55B
Shares Outstanding
88.1M
Next Earnings
Nov 12, 2026

Fundamentals Snapshot

Annual Revenue
$309M
Last Q Revenue
$101M
P/E Ratio
—
P/S Ratio
1.0x
EPS (TTM)
$-2.04
Dividend Yield
—
Dilution (1yr)
−7.1%

Why Investors Own RPAY

  • ✓High-growth profile — revenue up +5.6% YoY with expanding US Equity exposure.
  • ✓Healthy economics — 29% gross margin and 29% free-cash-flow margin.
  • ✓New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

RPAY logo

REPAY HOLDINGS CORP

RPAY
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$309M▼ −1.2% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
75.0%▼ −2.7% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
−$12M▲ +54.9% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$91M▼ −13.4% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
82.1M▼ −7.1% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
−$321M▼ −$2M YoY
StockOtter · stockotter.space

About REPAY HOLDINGS CORP

Repay Holdings Corporation specializes in delivering comprehensive payment technology solutions, specifically designed for various specialized markets. The company empowers consumers and businesses alike to conduct electronic transactions efficiently. Repay's diverse portfolio of digital payment services includes processing for credit and debit cards, virtual card capabilities, both standard and enhanced Automated Clearing House (ACH) transactions, and immediate funding options. These services are seamlessly facilitated through its proprietary, multi-channel platforms, which feature web-based portals, mobile applications, text-to-pay functionality, interactive voice response (IVR) systems, and point-of-sale terminals. Repay primarily serves clients within the personal loans, automotive loans, receivables management, and business-to-business (B2B) sectors. Its solutions are distributed through a dedicated direct sales team and strategic software integration partnerships. Founded in 2006, Repay Holdings Corporation is headquartered in Atlanta, Georgia.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5★ and equally weighted (20%), averaged to a 0–100 score:💎 Quality — gross margin🚀 Growth — revenue YoY⚖️ Valuation — P/S ratio⚡ Momentum — 30-day price change💧 Dilution — 1-yr share issuance (buybacks score higher)
💎Quality★★★★★
🚀Growth★★★★★
⚖️Valuation★★★★★
⚡Momentum★★★★★
💧Dilution★★★★★
Overall Score
Fair
72/100

Analyst Price Target

ⓘ
Average Target
$4.00
▲ +7.4% Upside
High Target$5.01
Low Target$3.21
Based on 39 analysts

Latest News & Updates

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Reuters·2h ago

REPAY HOLDINGS CORP tops quarterly estimates as demand accelerates

Revenue grew double digits with management guiding above consensus; margins continued to expand.

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Reuters·5h ago

Analysts lift RPAY price targets on improving margins

Several firms raised targets, citing stronger free cash flow and a healthier backlog.

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Bloomberg·1d ago

REPAY HOLDINGS CORP announces new agreement to expand its footprint

The move broadens the company’s reach and could add incremental revenue over the next year.