Repay Holdings Corporation (RPAY)Technology | Software - Infrastructure | Atlanta, United States | NasdaqCM
3.92 USD
+0.04
(1.031%)
⇧
(July 14, 2026, 4 p.m.
EDT)
After hours: 3.91 -0.01 (-0.010%) ⇩ (July 14, 2026, 4:16 p.m. EDT) |
Hot Take ↕ | July 11, 2026, 4:56 a.m. EDT
The investment case for Repay Holdings is currently defined by a hostile takeover bid rather than organic growth. While the company boasts impressive gross margins and a forward P/E that looks cheap on paper, the reality is starkly different: the business has been in a structural freefall, dropping nearly 50% over the last seven years with negative earnings and equity returns. The recent surge in the stock price is almost entirely driven by a $5.25 per-share acquisition proposal from Forager Fund, which has created a massive gap between the current trading price and the perceived floor. Without this external catalyst, the fundamentals—specifically the inability to generate profit and the multi-year decline in share price—make the stock a poor long-term hold. Short-term, the trade is effectively a bet on the deal closing or failing, but the lack of a dividend and the severe historical underperformance suggest caution is warranted until the outcome of the bid is certain. |
| Model | MAE |
|---|---|
| AutoETS ✓ | 0.136041 |
| AutoARIMA | 0.136513 |
| MSTL | 0.142547 |
| AutoTheta | 0.199454 |
Forecast horizon: 45 days | Selected: AutoETS
| Forecast Reliability | |
|---|---|
| Score | 35% |
| H-stat | 1.47 |
| Ljung-Box p | 0.000 |
| Jarque-Bera p | 0.129 |
| Excess Kurtosis | -0.47 |
| Attribute | Value |
|---|---|
| Sector | Technology |
| Debt to Equity Ratio | 84.221 |
| Revenue per Share | 3.726 |
| Market Cap | 345,300,384 |
| Forward P/E | 3.52 |
| Beta | 1.83 |
| Profit Margins | -82.73% |
| Website | https://repay.com |
As of July 11, 2026, 4:56 a.m. EDT: Speculator positioning is heavily skewed toward downside protection. In the December expiration, there is massive open interest in out-of-the-money puts at the $2.50 strike compared to negligible call activity, while call volume is concentrated at the money. This distribution suggests a market consensus expecting further weakness rather than a rally.
| Attribute | Value |
|---|---|
| 52 Week Change | -0.16379309 |
| Address1 | 3,060 Peachtree Road NW |
| Address2 | Suite 1100 |
| All Time High | 28.42 |
| All Time Low | 2.3 |
| Ask | 4.97 |
| Ask Size | 2 |
| Audit Risk | 1 |
| Average Analyst Rating | 1.4 - Strong Buy |
| Average Daily Volume10 Day | 951,990 |
| Average Daily Volume3 Month | 1,237,816 |
| Average Volume | 1,237,816 |
| Average Volume10Days | 951,990 |
| Beta | 1.834 |
| Bid | 2.82 |
| Bid Size | 2 |
| Board Risk | 4 |
| Book Value | 6.901 |
| City | Atlanta |
| Compensation As Of Epoch Date | 1,767,139,200 |
| Compensation Risk | 9 |
| Country | United States |
| Crypto Tradeable | 0 |
| Currency | USD |
| Current Price | 3.92 |
| Current Ratio | 1.789 |
| Custom Price Alert Confidence | HIGH |
| Date Short Interest | 1,782,777,600 |
| Day High | 3.975 |
| Day Low | 3.88 |
| Debt To Equity | 84.221 |
| Display Name | Repay |
| Earnings Call Timestamp End | 1,777,928,400 |
| Earnings Call Timestamp Start | 1,777,928,400 |
| Earnings Timestamp | 1,777,924,800 |
| Earnings Timestamp End | 1,777,924,800 |
| Earnings Timestamp Start | 1,777,924,800 |
| Ebitda | 71,245,000 |
| Ebitda Margins | 0.22782 |
| Enterprise To Ebitda | 9.521 |
| Enterprise To Revenue | 2.169 |
| Enterprise Value | 678,345,728 |
| Eps Current Year | 0.94408 |
| Eps Forward | 1.11365 |
| Eps Trailing Twelve Months | -3.06 |
| Esg Populated | 0 |
| Exchange | NCM |
| Exchange Data Delayed By | 0 |
| Exchange Timezone Name | America/New_York |
| Exchange Timezone Short Name | EDT |
| Fifty Day Average | 3.6286 |
| Fifty Day Average Change | 0.2914002 |
| Fifty Day Average Change Percent | 0.08030651 |
| Fifty Two Week Change Percent | -16.379309 |
| Fifty Two Week High | 6.055 |
| Fifty Two Week High Change | -2.1349998 |
| Fifty Two Week High Change Percent | -0.3526011 |
| Fifty Two Week Low | 2.3 |
| Fifty Two Week Low Change | 1.6200001 |
| Fifty Two Week Low Change Percent | 0.7043479 |
| Fifty Two Week Range | 2.3 - 6.055 |
| Financial Currency | USD |
| First Trade Date Milliseconds | 1,531,834,200,000 |
| Float Shares | 46,376,813 |
| Forward Eps | 1.11365 |
| Forward P E | 3.519957 |
| Free Cashflow | 45,650,376 |
| Full Exchange Name | NasdaqCM |
| Full Time Employees | 486 |
| Gmt Off Set Milliseconds | -14,400,000 |
| Governance Epoch Date | 1,782,864,000 |
| Gross Margins | 0.75095004 |
| Gross Profits | 234,844,000 |
| Has Pre Post Market Data | 1 |
| Held Percent Insiders | 0.12133 |
| Held Percent Institutions | 1.0306 |
| Implied Shares Outstanding | 88,086,835 |
| Industry | Software - Infrastructure |
| Industry Disp | Software - Infrastructure |
| Industry Key | software-infrastructure |
| Is Earnings Date Estimate | 0 |
| Language | en-US |
| Last Fiscal Year End | 1,767,139,200 |
| Long Business Summary | Repay Holdings Corporation, a payments technology company, provides integrated payment processing solutions that enables consumers and businesses to make payments using electronic payment methods in the United States. It operates through two segments: Consumer Payments and Business Payments. The company offers payment acceptance solutions, such as debit and credit card processing, automated clearing house (ACH) processing, e-cash, and digital wallet services; virtual credit card processing, enhanced ACH processing, instant funding, clearing and settlement, and communication solutions; and proprietary payment channels that include Web-based, mobile application, text-to-pay, interactive voice response, and point of sale services. It serves customers primarily operating in the personal loans, automotive loans, receivables management, and business-to-business verticals through direct sales representatives and software integration partners. Repay Holdings Corporation was founded in 2006 and is headquartered in Atlanta, Georgia. |
| Long Name | Repay Holdings Corporation |
| Market | us_market |
| Market Cap | 345,300,384 |
| Market State | PREPRE |
| Max Age | 86,400 |
| Message Board Id | finmb_599247105 |
| Most Recent Quarter | 1,774,915,200 |
| Net Income To Common | -258,716,992 |
| Next Fiscal Year End | 1,798,675,200 |
| Non Diluted Market Cap | 321,267,693 |
| Number Of Analyst Opinions | 5 |
| Open | 3.88 |
| Operating Cashflow | 105,432,000 |
| Operating Margins | -0.000089999994 |
| Overall Risk | 5 |
| Payout Ratio | 0.0 |
| Phone | 404 504 7472 |
| Post Market Change | -0.00999999 |
| Post Market Change Percent | -0.2551018 |
| Post Market Price | 3.91 |
| Post Market Time | 1,784,060,176 |
| Previous Close | 3.88 |
| Price Eps Current Year | 4.1521907 |
| Price Hint | 4 |
| Price To Book | 0.56803364 |
| Price To Sales Trailing12 Months | 1.1041486 |
| Profit Margins | -0.82728994 |
| Quick Ratio | 1.139 |
| Quote Source Name | Nasdaq Real Time Price |
| Quote Type | EQUITY |
| Recommendation Key | strong_buy |
| Recommendation Mean | 1.4 |
| Region | US |
| Regular Market Change | 0.03999996 |
| Regular Market Change Percent | 1.0309268 |
| Regular Market Day High | 3.975 |
| Regular Market Day Low | 3.88 |
| Regular Market Day Range | 3.88 - 3.975 |
| Regular Market Open | 3.88 |
| Regular Market Previous Close | 3.88 |
| Regular Market Price | 3.92 |
| Regular Market Time | 1,784,059,201 |
| Regular Market Volume | 299,527 |
| Return On Assets | -0.00393 |
| Return On Equity | -0.43938 |
| Revenue Growth | 0.045 |
| Revenue Per Share | 3.726 |
| Sand P52 Week Change | 0.20365608 |
| Sector | Technology |
| Sector Disp | Technology |
| Sector Key | technology |
| Share Holder Rights Risk | 5 |
| Shares Outstanding | 82,800,952 |
| Shares Percent Shares Out | 0.0521 |
| Shares Short | 4,313,366 |
| Shares Short Previous Month Date | 1,780,012,800 |
| Shares Short Prior Month | 4,743,024 |
| Short Name | Repay Holdings Corporation |
| Short Percent Of Float | 0.0733 |
| Short Ratio | 5.05 |
| Source Interval | 15 |
| State | GA |
| Symbol | RPAY |
| Target High Price | 10.0 |
| Target Low Price | 4.25 |
| Target Mean Price | 6.85 |
| Target Median Price | 6.0 |
| Total Cash | 43,770,000 |
| Total Cash Per Share | 0.529 |
| Total Debt | 400,272,992 |
| Total Revenue | 312,729,984 |
| Tradeable | 0 |
| Trailing Annual Dividend Rate | 0.0 |
| Trailing Annual Dividend Yield | 0.0 |
| Trailing Eps | -3.06 |
| Trailing Peg Ratio | None |
| Triggerable | 1 |
| Two Hundred Day Average | 3.63 |
| Two Hundred Day Average Change | 0.28999996 |
| Two Hundred Day Average Change Percent | 0.0798898 |
| Type Disp | Equity |
| Volume | 299,527 |
| Website | https://repay.com |
| Zip | 30,305 |