Repay Holdings Corporation (RPAY) AI Stock Analysis

Established in 2006 and headquartered in Atlanta, Georgia, Repay Holdings Corporation delivers specialized payment processing solutions tailored for industry-specific verticals. The company enables consumers and businesses to execute electronic payments, offering credit and debit processing, virtual credit card processing, automated clearing house (ACH) processing, enhanced ACH, and instant funding. These solutions operate across proprietary channels including Web platforms, mobile apps, text-to-pay, interactive voice response systems, and point of sale terminals. Repay primarily serves clients in personal loans, automotive loans, receivables management, and business-to-business transactions, distributing through direct sales representatives and software integration partners.

Between FY2020 and FY2025, Repay recorded a 5-year revenue CAGR of 14.8%. Annual revenue rose from $219.3M in FY2021 to a peak of $313.0M in FY2024, before declining 1.2% in FY2025 to $309.3M. Gross margin has remained steady, standing at 75.0% in FY2025 compared to 74.7% in FY2021. Operating margin was negative across all five reported fiscal years, landing at -3.9% in FY2025 alongside a net loss of -$256.7M. Trailing twelve-month revenue reached $337.8M with an operating margin of -3.2% and EPS of -$1.99, although quarterly revenue for the period ending June 30, 2026, increased 33.2% year-over-year.

As of June 30, 2026, Repay held $83.7M in cash and short-term investments against total debt of $772.8M, resulting in net debt of $689.2M and a debt-to-equity ratio of 1.64. The company reported a current ratio of 1.45 out of $1.61B in total assets and $472.5M in shareholders' equity. In FY2025, operating cash flow was $91.1M and free cash flow was $91.1M, with capital expenditures totaling $286,000. Cash was also deployed toward $38.5M in share buybacks, contributing to a 5.8% reduction in share count over 5 years.

At $4.03 per share, Repay has a market capitalization of $355.4M and an enterprise value of $1.00B. The stock trades at a forward P/E of 7.9x, an EV/EBITDA of 11.5x, and a price-to-sales ratio of 1.1x, all sitting below the median of its US-listed Technology peers (18.8x, 16.6x, and 2.8x, respectively). Repay also trades at a price-to-book ratio of 0.7x. Over the past year, RPAY dropped 11.8% compared to a 16.8% gain for the SPY, and over five years the stock is down 82.4% while the SPY gained 83.0%.

Wall Street coverage includes 4 Strong Buy ratings and 1 Hold rating, with no Buy, Sell, or Strong Sell recommendations. The mean price target is $6.85, representing a 70.0% premium over the last close of $4.03. For the fiscal year ending December 31, 2026, analysts forecast revenue of $492.1M and EPS of $0.93, representing 13.3% EPS growth. For the following fiscal year, 4 analysts estimate revenue of $626.9M and EPS of $1.06. Over the last four quarters, Repay beat EPS estimates twice. The next earnings date is November 9, 2026.

This page is an AI-written research summary of Repay Holdings Corporation (RPAY). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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