Repay Holdings Corporation (RPAY)Technology | Software - Infrastructure | Atlanta, United States | NasdaqCM
4.19 USD
+0.19
(4.750%)
⇧
(Oct. 15, 2026, 4 p.m.
EDT)
|
Hot Take ↕ | Oct. 10, 2026, 8:17 a.m. EDT
The investment case for Repay Holdings is currently fractured by deteriorating fundamentals and a severe multi-year price decline. While the company boasts impressive top-line growth of 33%, the bottom line remains deeply compromised with negative profit margins and a return on equity of -32%. This disconnect has punished the stock price, which has lost over half its value since 2018. Crucially, the most recent annual return was negative, confirming a trend of structural deterioration rather than a temporary blip. The balance sheet is also strained, with debt significantly outweighing equity. There is no dividend to provide income, and the options market shows almost zero speculative interest, reflecting a lack of conviction among traders. Although analysts see a path to profitability and a potential acquisition premium, the current reality is a struggling business with a broken track record. |
| Model | MAE |
|---|---|
| MSTL ✓ | 0.079127 |
| AutoARIMA | 0.082575 |
| AutoETS | 0.089162 |
| AutoTheta | 0.119211 |
Forecast horizon: 45 days | Selected: MSTL
| Forecast Reliability | |
|---|---|
| Score | 41% |
| H-stat | 1.41 |
| Ljung-Box p | 0.000 |
| Jarque-Bera p | 0.527 |
| Excess Kurtosis | -0.73 |
| Attribute | Value |
|---|---|
| Sector | Technology |
| Debt to Equity Ratio | 164.693 |
| Revenue per Share | 4.09 |
| Market Cap | 369,492,608 |
| Forward P/E | 3.60 |
| Beta | 1.89 |
| Profit Margins | -49.57% |
| Website | https://repay.com |
As of Oct. 10, 2026, 8:17 a.m. EDT: Speculator positioning is extremely thin and non-directional. Call volume and open interest are negligible across all expirations, with no significant strikes identified. Put activity is similarly sparse, suggesting a lack of active speculative bets on either side and low implied volatility expectations.
| Attribute | Value |
|---|---|
| 52 Week Change | -0.095032394 |
| Address1 | 3,060 Peachtree Road NW |
| Address2 | Suite 1100 |
| All Time High | 28.42 |
| All Time Low | 2.3 |
| Ask | 4.96 |
| Ask Size | 2 |
| Audit Risk | 1 |
| Average Daily Volume10 Day | 295,170 |
| Average Daily Volume3 Month | 420,112 |
| Average Volume | 420,112 |
| Average Volume10Days | 295,170 |
| Beta | 1.885 |
| Bid | 2.83 |
| Bid Size | 2 |
| Board Risk | 4 |
| Book Value | 5.701 |
| City | Atlanta |
| Compensation As Of Epoch Date | 1,767,139,200 |
| Compensation Risk | 9 |
| Country | United States |
| Crypto Tradeable | 0 |
| Currency | USD |
| Current Price | 4.19 |
| Current Ratio | 1.45 |
| Custom Price Alert Confidence | HIGH |
| Date Short Interest | 1,790,726,400 |
| Day High | 4.24 |
| Day Low | 4.02 |
| Debt To Equity | 164.693 |
| Display Name | Repay |
| Dividend Yield | 0.0 |
| Earnings Call Timestamp End | 1,786,395,600 |
| Earnings Call Timestamp Start | 1,786,395,600 |
| Earnings Timestamp | 1,786,392,000 |
| Earnings Timestamp End | 1,794,254,400 |
| Earnings Timestamp Start | 1,794,254,400 |
| Ebitda | 73,248,000 |
| Ebitda Margins | 0.21683 |
| Enterprise To Ebitda | 14.106 |
| Enterprise To Revenue | 3.059 |
| Enterprise Value | 1,033,249,728 |
| Eps Current Year | 0.96636 |
| Eps Forward | 1.1645 |
| Eps Trailing Twelve Months | -1.99 |
| Esg Populated | 0 |
| Exchange | NCM |
| Exchange Data Delayed By | 15 |
| Exchange Timezone Name | America/New_York |
| Exchange Timezone Short Name | EDT |
| Fifty Day Average | 3.7978 |
| Fifty Day Average Change | 0.3922 |
| Fifty Day Average Change Percent | 0.10327031 |
| Fifty Two Week Change Percent | -9.50324 |
| Fifty Two Week High | 5.25 |
| Fifty Two Week High Change | -1.06 |
| Fifty Two Week High Change Percent | -0.20190474 |
| Fifty Two Week Low | 2.3 |
| Fifty Two Week Low Change | 1.8900001 |
| Fifty Two Week Low Change Percent | 0.8217392 |
| Fifty Two Week Range | 2.3 - 5.25 |
| Financial Currency | USD |
| First Trade Date Milliseconds | 1,531,834,200,000 |
| Float Shares | 42,338,755 |
| Forward Eps | 1.1645 |
| Forward P E | 3.598111 |
| Free Cashflow | 61,309,624 |
| Full Exchange Name | NasdaqCM |
| Full Time Employees | 486 |
| Fullday Change | 0.19000006 |
| Fullday Change Percent | 4.7500014 |
| Fullday Price | 4.19 |
| Gmt Off Set Milliseconds | -14,400,000 |
| Governance Epoch Date | 1,790,812,800 |
| Gross Margins | 0.73488 |
| Gross Profits | 248,248,000 |
| Has Pre Post Market Data | 1 |
| Held Percent Insiders | 0.122889996 |
| Held Percent Institutions | 1.01052 |
| Implied Shares Outstanding | 88,184,391 |
| 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 | 369,492,608 |
| Market State | PRE |
| Max Age | 86,400 |
| Message Board Id | finmb_599247105 |
| Most Recent Quarter | 1,782,777,600 |
| Net Income To Common | -167,452,000 |
| Next Fiscal Year End | 1,798,675,200 |
| Non Diluted Market Cap | 315,014,330 |
| Number Of Analyst Opinions | 5 |
| Open | 4.04 |
| Operating Cashflow | 112,606,000 |
| Operating Margins | -0.03234 |
| Overall Risk | 6 |
| Payout Ratio | 0.0 |
| Phone | 404 504 7472 |
| Previous Close | 4.0 |
| Price Eps Current Year | 4.3358583 |
| Price Hint | 4 |
| Price To Book | 0.73495877 |
| Price To Sales Trailing12 Months | 1.0937915 |
| Profit Margins | -0.4957 |
| Quick Ratio | 1.03 |
| Quote Source Name | Nasdaq Real Time Price |
| Quote Type | EQUITY |
| Recommendation Key | none |
| Region | US |
| Regular Market Change | 0.19 |
| Regular Market Change Percent | 4.75 |
| Regular Market Day High | 4.24 |
| Regular Market Day Low | 4.02 |
| Regular Market Day Range | 4.02 - 4.24 |
| Regular Market Open | 4.04 |
| Regular Market Previous Close | 4.0 |
| Regular Market Price | 4.19 |
| Regular Market Time | 1,792,094,400 |
| Regular Market Volume | 438,245 |
| Return On Assets | -0.00437 |
| Return On Equity | -0.31831 |
| Revenue Growth | 0.332 |
| Revenue Per Share | 4.09 |
| Sand P52 Week Change | 0.16207206 |
| Sector | Technology |
| Sector Disp | Technology |
| Sector Key | technology |
| Share Holder Rights Risk | 7 |
| Shares Outstanding | 82,898,508 |
| Shares Percent Shares Out | 0.045500003 |
| Shares Short | 3,775,263 |
| Shares Short Previous Month Date | 1,788,134,400 |
| Shares Short Prior Month | 3,900,755 |
| Short Name | Repay Holdings Corporation |
| Short Percent Of Float | 0.0641 |
| Short Ratio | 8.55 |
| 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 | 83,660,000 |
| Total Cash Per Share | 1.009 |
| Total Debt | 772,844,992 |
| Total Revenue | 337,808,992 |
| Tradeable | 0 |
| Trailing Annual Dividend Rate | 0.0 |
| Trailing Annual Dividend Yield | 0.0 |
| Trailing Eps | -1.99 |
| Trailing Peg Ratio | None |
| Triggerable | 1 |
| Two Hundred Day Average | 3.5376 |
| Two Hundred Day Average Change | 0.6524 |
| Two Hundred Day Average Change Percent | 0.18441881 |
| Type Disp | Equity |
| Volume | 438,245 |
| Website | https://repay.com |
| Zip | 30,305 |