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repay holdings corp - RPAY

RPAY

Close Chg Chg %
3.57 0.05 1.26%

Open Market

3.62

+0.05 (1.26%)

Volume: 375.43K

Last Updated:

Dec 31, 2025, 2:44 PM EDT

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Company Overview: repay holdings corp - RPAY

RPAY Key Data

Open

$3.57

 Day Range

3.57 - 3.65

52 Week Range

2.98 - 7.86

 Market Cap

$291.26M

Shares Outstanding

81.58M

 Public Float

64.66M

Beta

1.67

 Rev. Per Employee

N/A

P/E Ratio

N/A

 EPS

-$1.37

Yield

0.00%

 Dividend

N/A

EX-DIVIDEND DATE

SHORT INTEREST

N/A

AVERAGE VOLUME

1.26M

  

RPAY Performance

1 Week
 
 -3.77%
 
1 Month
 
 7.53%
 
3 Months
 
 -32.00%
 
1 Year
 
 -53.21%
 
5 Years
 
 -86.90%
 

RPAY Analyst Ratings

  • Sell
  • Under
  • Hold
  • Over
  • Buy
Number of Ratings 7
Full Ratings ➔

About repay holdings corp - RPAY

Repay Holdings Corp. engages in the provision of integrated payment processing solutions to vertical markets that have specific and bespoke transactions. It offers payments, instant funding, active safe, AP automation, clearing and settlement, messaging management, STX mortgage transfer automation, virtual debit cards, and value-added services. The firm operates through the Consumer Payments and Business Payments segments. The Consumer Payments segment provides solutions such as debit and credit card processing, ACH processing and other electronic payment acceptance solutions. The Business Payments segment provides payment processing solutions, which includes accounts payable automation, debit and credit card processing, virtual credit card processing, ACH processing and other electronic payment acceptance solutions The company was founded by John Morris and Shaler A. Alias in 2006 and is headquartered in Atlanta, GA.

RPAY At a Glance

Repay Holdings Corp.
3060 Peachtree Road North West
Atlanta, Georgia 30305
Phone 1-404-504-7472 Revenue 313.04M
Industry Miscellaneous Commercial Services Net Income -10,156,000.00
Sector Commercial Services 2024 Sales Growth 5.534%
Fiscal Year-end 12 / 2025 Employees 465
View SEC Filings

RPAY Valuation

P/E Current N/A
P/E Ratio (with extraordinary items) N/A
P/E Ratio (without extraordinary items) N/A
Price to Sales Ratio 2.192
Price to Book Ratio 0.884
Price to Cash Flow Ratio 4.57
Enterprise Value to EBITDA 8.86
Enterprise Value to Sales 3.135
Total Debt to Enterprise Value 0.518

RPAY Efficiency

Revenue/Employee 673,208.602
Income Per Employee -21,840.86
Receivables Turnover 9.034
Total Asset Turnover 0.201

RPAY Liquidity

Current Ratio 2.692
Quick Ratio 2.692
Cash Ratio 2.202

RPAY Profitability

Gross Margin 43.986
Operating Margin 2.252
Pretax Margin -3.488
Net Margin -3.244
Return on Assets -0.653
Return on Equity -1.288
Return on Total Capital -0.80
Return on Invested Capital -0.804

RPAY Capital Structure

Total Debt to Total Equity 66.798
Total Debt to Total Capital 40.047
Total Debt to Total Assets 32.191
Long-Term Debt to Equity 66.636
Long-Term Debt to Total Capital 39.95
  • Income Statement
  • Balance Sheet
  • Cash Flow Statement

Annual Financials for Repay Holdings Corp - RPAY

Collapse All in section
All values USD millions. 2021 2022 2023 2024 5-year trend
Sales/Revenue
219.26M 279.23M 296.63M 313.04M
Sales Growth
+41.42% +27.35% +6.23% +5.53%
Cost of Goods Sold (COGS) incl D&A
145.18M 172.58M 173.56M 175.35M
COGS excluding D&A
- - - -
-
Depreciation & Amortization Expense
89.69M 107.75M 103.86M 103.71M
Depreciation
1.30M 2.40M 2.43M 1.74M
Amortization of Intangibles
88.39M 105.35M 101.43M 101.97M
COGS Growth
+41.98% +18.87% +0.57% +1.03%
Gross Income
74.08M 106.65M 123.07M 137.70M
Gross Income Growth
+40.36% +43.96% +15.39% +11.89%
Gross Profit Margin
+33.79% +38.19% +41.49% +43.99%
2021 2022 2023 2024 5-year trend
SG&A Expense
97.97M 111.60M 124.82M 130.65M
Research & Development
- - - -
-
Other SG&A
97.97M 111.60M 124.82M 130.65M
SGA Growth
+17.90% +13.90% +11.85% +4.67%
Other Operating Expense
- - - -
-
Unusual Expense
50.15M (12.32M) 111.78M 20.94M
EBIT after Unusual Expense
(74.05M) 7.38M (113.53M) (13.89M)
Non Operating Income/Expense
(9.00M) 11.91M (4.95M) 10.85M
Non-Operating Interest Income
- - - 5.99M
-
Equity in Earnings of Affiliates
- - - -
-
Interest Expense
3.68M 4.38M 1.05M 7.87M
Interest Expense Growth
-76.78% +18.91% -76.05% +651.24%
Gross Interest Expense
3.68M 4.38M 1.05M 7.87M
Interest Capitalized
- - - -
-
Pretax Income
(86.73M) 14.91M (119.53M) (10.92M)
Pretax Income Growth
-47.25% +117.20% -901.44% +90.86%
Pretax Margin
-39.56% +5.34% -40.30% -3.49%
Income Tax
(30.69M) 6.17M (2.12M) (575.00K)
Income Tax - Current - Domestic
36.77K 1.56M 923.00K 1.44M
Income Tax - Current - Foreign
- 419.00K 556.00K 473.00K
Income Tax - Deferred - Domestic
(30.91M) 4.18M (3.59M) (2.49M)
Income Tax - Deferred - Foreign
- - 185.15K 16.00K
-
Income Tax Credits
- - - -
-
Equity in Earnings of Affiliates
- - - -
-
Other After Tax Income (Expense)
- - - -
-
Consolidated Net Income
(56.04M) 8.74M (117.42M) (10.35M)
Minority Interest Expense
(5.95M) (4.09M) (6.93M) (189.00K)
Net Income
(50.08M) 12.84M (110.49M) (10.16M)
Net Income Growth
-44.05% +125.63% -960.78% +90.81%
Net Margin Growth
-22.84% +4.60% -37.25% -3.24%
Extraordinaries & Discontinued Operations
- - - -
-
Discontinued Operations
- - - -
-
Net Income After Extraordinaries
(50.08M) 12.84M (110.49M) (10.16M)
Preferred Dividends
- - - -
-
Net Income Available to Common
(50.08M) 12.84M (110.49M) (10.16M)
EPS (Basic)
-0.6011 0.1446 -1.227 -0.113
EPS (Basic) Growth
+9.79% +124.06% -948.55% +90.79%
Basic Shares Outstanding
83.32M 88.79M 90.05M 89.92M
EPS (Diluted)
-0.6011 0.116 -1.227 -0.113
EPS (Diluted) Growth
+9.79% +119.30% -1,157.76% +90.79%
Diluted Shares Outstanding
83.32M 110.67M 90.05M 89.92M
EBITDA
65.80M 102.80M 102.10M 110.76M
EBITDA Growth
+115.83% +56.24% -0.68% +8.48%
EBITDA Margin
+30.01% +36.82% +34.42% +35.38%

Snapshot

Average Recommendation OVERWEIGHT Average Target Price 7.857
Number of Ratings 7 Current Quarters Estimate 0.231
FY Report Date 03 / 2026 Current Year's Estimate 0.944
Last Quarter’s Earnings 0.21 Median PE on CY Estimate N/A
Year Ago Earnings 0.838 Next Fiscal Year Estimate 0.965
Median PE on Next FY Estimate N/A

Earnings Per Share

This Quarter Next Quarter This Fiscal Next Fiscal
# of Estimates 7 7 7 3
Mean Estimate 0.23 0.23 0.94 0.97
High Estimates 0.25 0.25 1.00 0.99
Low Estimate 0.22 0.21 0.88 0.94
Coefficient of Variance 4.78 6.26 5.36 2.83

Analysts Recommendations

Current 1 Month Ago 3 Months Ago
BUY 5 5 5
OVERWEIGHT 0 0 0
HOLD 2 2 2
UNDERWEIGHT 0 0 0
SELL 0 0 0
MEAN Overweight Overweight Overweight

Insider Actions for Repay Holdings Corp - RPAY

Date Name Shares Transaction Value
Mar 24, 2025 David M. Guthrie Chief Technology Officer 270,534 Payment of exercise price or tax liability by delivering/withholding secs incident to the receipt/exercise/vesting pursuant to Rule 16b-3 Non-derivative transaction at $5.88 per share 1,590,739.92
Mar 24, 2025 John Morris Chief Executive Officer; Director 1,370,699 Payment of exercise price or tax liability by delivering/withholding secs incident to the receipt/exercise/vesting pursuant to Rule 16b-3 Non-derivative transaction at $5.88 per share 8,059,710.12
Mar 24, 2025 Shaler V. Alias President; Director 557,744 Payment of exercise price or tax liability by delivering/withholding secs incident to the receipt/exercise/vesting pursuant to Rule 16b-3 Non-derivative transaction at $5.88 per share 3,279,534.72
Mar 24, 2025 Timothy J. Murphy Chief Financial Officer 582,715 Payment of exercise price or tax liability by delivering/withholding secs incident to the receipt/exercise/vesting pursuant to Rule 16b-3 Non-derivative transaction at $5.88 per share 3,426,364.20
Mar 24, 2025 Thomas Eugene Sullivan Chief Accounting Officer 156,314 Payment of exercise price or tax liability by delivering/withholding secs incident to the receipt/exercise/vesting pursuant to Rule 16b-3 Non-derivative transaction at $5.88 per share 919,126.32
Mar 24, 2025 Tyler B. Dempsey General Counsel 335,404 Payment of exercise price or tax liability by delivering/withholding secs incident to the receipt/exercise/vesting pursuant to Rule 16b-3 Non-derivative transaction at $5.88 per share 1,972,175.52
Mar 24, 2025 Jacob Hamilton Moore Executive Vice President 219,917 Payment of exercise price or tax liability by delivering/withholding secs incident to the receipt/exercise/vesting pursuant to Rule 16b-3 Non-derivative transaction at $5.88 per share 1,293,111.96
Mar 24, 2025 Naomi Barnett Executive Vice President 178,671 Payment of exercise price or tax liability by delivering/withholding secs incident to the receipt/exercise/vesting pursuant to Rule 16b-3 Non-derivative transaction at $5.88 per share 1,050,585.48
Feb 26, 2025 John Morris Chief Executive Officer; Director 910,000 Payment of exercise price or tax liability by delivering/withholding secs incident to the receipt/exercise/vesting pursuant to Rule 16b-3 Non-derivative transaction at $7.28 per share 6,624,800.00
Feb 26, 2025 Shaler V. Alias President; Director 483,278 Payment of exercise price or tax liability by delivering/withholding secs incident to the receipt/exercise/vesting pursuant to Rule 16b-3 Non-derivative transaction at $7.28 per share 3,518,263.84
Feb 26, 2025 Timothy J. Murphy Chief Financial Officer 454,680 Payment of exercise price or tax liability by delivering/withholding secs incident to the receipt/exercise/vesting pursuant to Rule 16b-3 Non-derivative transaction at $7.28 per share 3,310,070.40
Feb 26, 2025 Thomas Eugene Sullivan Chief Accounting Officer 119,445 Payment of exercise price or tax liability by delivering/withholding secs incident to the receipt/exercise/vesting pursuant to Rule 16b-3 Non-derivative transaction at $7.28 per share 869,559.60
Feb 26, 2025 Tyler B. Dempsey General Counsel 261,166 Payment of exercise price or tax liability by delivering/withholding secs incident to the receipt/exercise/vesting pursuant to Rule 16b-3 Non-derivative transaction at $7.28 per share 1,901,288.48
Feb 26, 2025 Jacob Hamilton Moore Executive Vice President 137,982 Payment of exercise price or tax liability by delivering/withholding secs incident to the receipt/exercise/vesting pursuant to Rule 16b-3 Non-derivative transaction at $7.28 per share 1,004,508.96
Feb 26, 2025 Naomi Barnett Executive Vice President 123,407 Payment of exercise price or tax liability by delivering/withholding secs incident to the receipt/exercise/vesting pursuant to Rule 16b-3 Non-derivative transaction at $7.28 per share 898,402.96
Feb 17, 2025 David M. Guthrie Chief Technology Officer 190,357 Payment of exercise price or tax liability by delivering/withholding secs incident to the receipt/exercise/vesting pursuant to Rule 16b-3 Non-derivative transaction at $7.19 per share 1,368,666.83

Repay Holdings Corp in the News