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RPAY stock logo

RPAY

Repay Holdings Corporation

$3.43
-0.02
 (-0.58%)
Exchange:  NASDAQ
Market Cap:  302.138M
Shares Outstanding:  6.596M
Delayed data
Calculate RPAY Intrinsic Value
5-year outlook →
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Technology
Industry:  Software – Infrastructure
   
CEO:  John Andrew Morris
Full Time Employees:  465
Address: 
3 West Paces Ferry Road
Atlanta
GA
30305
US
Website:  https://www.repay.com
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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Revenue Segmentation

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EPS

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Earnings Call

Full text

Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2025/05/12 — Q1 quarter 2025

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue296,627313,042309,261
Gross Profit226,924241,406232,018
EBITDA58,482100,663-160,964
Operating Income-111,413-7,770-12,034
Net Income-110,490-10,156-256,724

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets1,519,8331,571,9081,199,749
Total Liabilities689,045798,739717,967
Total Stockholders Equity815,135761,272484,431
Total Debt443,042508,515436,880
Cash and Cash Equivalents118,096189,530115,692

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow103,614150,09091,112
Capital Expenditure-64,361-989-286
Free Cash Flow39,253149,10191,112
Net Income-110,490-10,345-271,088
Net Change in Cash50,58292,564-80,165

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2028Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)486,887.099Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)596,664.654Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)541,777.203Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)59,791.337Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)73,272.382Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)66,532.023Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)90,768.801Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)118,305.740Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)104,537.271Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)141,946.891Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)173,951.401Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)157,949.533Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)1.220Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)1.380Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)1.060Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)2Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)1Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
313.042M  ?P/S
 (TTM)
: 
0.98
?Net Income
 (TTM)
: 
-10156000  ?P/E
 (TTM)
: 
-1.11
?Enterprise Value
 (TTM)
: 
271.572M  ?EV/FCF
 (TTM)
: 
4.47
?Dividend Yield
 (TTM)
: 
0  ?Payout Ratio
 (TTM)
: 
0
?ROE
 (TTM)
: 
-0.47  ?ROIC
 (TTM)
: 
-0.1
?Net Debt
 (TTM)
: 
283.331M  ?Debt/Equity
 (TTM)
: 
0.02
?P/B
 (TTM)
: 
0.6  ?Current Ratio
 (TTM)
: 
1.79

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
3.77Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MARKETSnap estimates RPAY intrinsic value between $23.56 – $24.40 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.

[intrinsic_calculator]

Common questions about RPAY valuation

Is Repay Holdings Corporation (RPAY) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for Repay Holdings Corporation (RPAY) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is RPAY a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether RPAY trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is RPAY’s P/E ratio?

You can see RPAY’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for RPAY?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is RPAY a good long-term investment?

Whether RPAY fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

RPAY

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

-0.58
MARKETSnap

Trading Metrics:

Open: 3.47   Previous Close: 3.45
Day Low: 3.39   Day High: 3.56
Year Low: 2.3   Year High: 6.06
Price Avg 50: 3.45   Price Avg 200: 3.87
Volume: 278899   Average Volume: 1.601M

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See in Nexus

Relevant news

REPAY Announces Inducement Award Grant for Rick Watkin
03-06-2026 16:25
REPAY Announces Inducement Award Grant for Rick Watkin
REPAY Completes Acquisition of KUBRA
01-06-2026 17:00
REPAY Completes Acquisition of KUBRA
REPAY Announces Inducement Award Grants for Matt Morrow
14-05-2026 16:30
REPAY Announces Inducement Award Grants for Matt Morrow
REPAY to Announce First Quarter 2026 Results on May 4, 2026
20-04-2026 16:20
REPAY to Announce First Quarter 2026 Results on May 4, 2026
REPAY Announces New Consumer Payments Leader
16-04-2026 16:05
REPAY Announces New Consumer Payments Leader
Repay Holdings Corporation (NASDAQ:RPAY) Receives Consensus Rating of “Hold” from Analysts
10-03-2026 02:26
Repay Holdings Corporation (NASDAQ:RPAY) Receives Consensus Rating of “Hold” from Analysts

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