RPAY - NASDAQ

Repay Holdings Corporation

RPAY·NASDAQ

$3.65

-7.1%

TechnologySoftware - Infrastructure

Repay Holdings Corporation provides integrated payment processing solutions to industry-oriented markets. The company's payment processing solutions enable consumers and businesses to make payments using electronic payment methods. It also offers a range of solutions relating to electronic payment methods, including credit and debit processing, virtual credit card processing, automated clearing house (ACH) processing, enhanced ACH processing, and instant funding that are processed through its proprietary payment channels, such as Web-based, mobile application, text-to-pay, interactive voice response, and point of sale. In addition, the company provides payment processing solutions to customers primarily operating in the personal loans, automotive loans, receivables management, and business-to-business verticals. It sells its products through direct sales representatives and software integration partners. The company was founded in 2006 and is headquartered in Atlanta, Georgia.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$321.52M

EPS-3.0000

P/E Ratio-1.22

Earnings Date08/10/2026

1.20B

Assets

-24%

3Y-26.0%

5Y+8.0%

10Y+630.0%

717.97M

Total Liabilities

-10%

3Y+3.0%

5Y+30.0%

10Y+1005.0%

481.78M

Total Equity

-38%

3Y-48.0%

5Y-13.0%

10Y+384.0%

Repay Holdings Corporation Funding & Solvency Profile

RPAY · NASDAQ

Current Assets

Cash & Cash Equivalents115.69M

Net Receivables36.37M

Inventory0.00

Other Current Assets44.77M

Total Current Assets197 M

Non-Current Assets

Property, Plant & Equipment10.11M

Goodwill & Intangible Assets804.36M

Long-Term Investments10.63M

Other Non-Current Assets4.79M

Total Non-Current Assets26 M

Total Assets

1.20B

Financial Health Analysis

Current Ratio

0.82x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

1.49x

Elevated leverage. Debt exceeds equity, which amplifies both gains and risks. Monitor debt servicing ability.

Working Capital

-43816000

Negative working capital indicates short-term liabilities exceed short-term assets—potential liquidity stress.

Asset Composition

16% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Negative working capital with limited cash reserves requires immediate attention—potential liquidity crisis if not addressed promptly.

Repay Holdings Corporation Balance Sheet

RPAY • NASDAQ

Repay Holdings Corporation Balance Sheet	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	115.7M	189.5M	118.1M	64.9M	50M	91.1M	24.6M	108.8K	25.8K	2.8M
Cash & Short-Term Investments	115.7M	189.5M	118.1M	64.9M	50M	91.1M	24.6M	108.8K	25.8K	2.8M
Net Receivables	36.4M	33M	36M	33.5M	33.2M	21.3M	14.6M	6M	0.0	2.8M
Accounts Receivables	36.4M	33M	36M	33.5M	33.2M	21.3M	14.1M	6M	4.4M	2.8M
Other Receivables	0.0	0.0	0.0	0.0	0.0	0.0	563.1K	0.0	0.0	0.0
Inventory	0.0	0.0	0.0	0.0	0.0	0.0	0.0	-6M	-4.9M	0.0
Prepaids	0.0	17.1M	0.0	0.0	12.4M	6.9M	4.6M	817.2K	0.0	200.2K
Other Current Assets	44.8M	35.7M	26.5M	18.2M	-32.0	0.0	0.0	0.0	0.0	0.0
Total Current Assets	196.8M	275.2M	180.6M	116.7M	95.7M	119.4M	43.9M	239.4K	25.8K	5.8M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	10.1M	13.5M	11.2M	14.2M	14.3M	11.7M	1.6M	1.2M	743.3K	441.4K
Goodwill	474.5M	716.8M	716.8M	827.8M	824.1M	459M	389.7M	119.5M	119.5M	94.1M
Intangible Assets	329.8M	389M	447.1M	500.6M	577.7M	369.2M	333M	68.2M	73.4M	62.5M
Goodwill & Intangible Assets	804.4M	1.1B	1.2B	1.3B	1.4B	828.2M	722.7M	187.8M	192.9M	156.6M
Long-Term Investments	10.6M	11.5M	26M	28.7M	0.0	0.0	13.3M	263.3M	0.0	0.0
Tax Assets	173M	163.3M	146.9M	136.4M	145.3M	135.3M	-13.3M	-452.3M	0.0	0.0
Other Non-Current Assets	4.8M	2.5M	-8.8M	2.5M	28.8M	15.4M	13.8M	263.3M	-193.5M	1.6M
Total Non-Current Assets	1B	1.3B	1.3B	1.5B	1.6B	990.6M	738.2M	263.3M	150.5K	158.6M
Total Assets	1.2B	1.6B	1.5B	1.6B	1.7B	1.1B	782M	263.5M	176.3K	164.4M
LIABILITIES
CURRENT LIABILITIES
Total Payables	25.2M	28.9M	22M	21.8M	37.5M	27.7M	9.6M	2.9M	0.0	1.2M
Accounts Payable	25.2M	28.9M	22M	21.8M	20.1M	11.9M	9.6M	2.9M	0.0	1.2M
Other Payables	0.0	0.0	0.0	0.0	17.4M	15.8M	0.0	0.0	0.0	0.0
Accrued Expenses	0.0	55.5M	32.9M	29M	26.8M	19.2M	16M	12.8M	0.0	4.7M
Short Term Debt	148M	0.0	0.0	0.0	0.0	6.8M	5.5M	4.9M	156.6K	2.5M
Capital Lease Obligations (Current)	1.5M	1.2M	1.6M	2.3M	2M	1.5M	0.0	0.0	0.0	0.0
Tax Payables	0.0	0.0	0.0	0.0	0.0	0.0	6.3B	0.0	0.0	0.0
Deferred Revenue	0.0	0.0	0.0	0.0	0.0	0.0	30.5M	-17.7M	-11.8M	0.0
Other Current Liabilities	65.9M	16.6M	898K	29M	26.1M	10.2M	-9.9M	0.0	-1.4M	0.0
Total Current Liabilities	240.6M	102.2M	57.5M	82.1M	92.3M	65.4M	51.7M	320.7K	156.6K	8.4M
NON-CURRENT LIABILITIES
Long Term Debt	280.1M	496.8M	434.2M	451.3M	448.5M	250M	207.9M	89.3M	0.0	56.6M
Deferred Revenue (Non-Current)	0.0	0.0	0.0	-16.3M	0.0	0.0	0.0	0.0	0.0	0.0
Deferred Tax Liabilities (Non-Current)	0.0	0.0	0.0	16.3M	0.0	0.0	768.3K	0.0	0.0	0.0
Other Non-Current Liabilities	188.5M	189.2M	190.2M	156.8M	222.9M	229.6M	60.9M	16.9K	0.0	0.0
Total Non-Current Liabilities	477.3M	696.5M	631.6M	616.4M	680.5M	488.4M	269.8M	9.7M	156.6K	56.6M
Other Liabilities	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	-156.6K	0.0
Capital Lease Obligations	10.3M	11.7M	8.9M	10.6M	11.1M	10.4M	0.0	0.0	0.0	0.0
Total Liabilities	718M	798.7M	689M	698.5M	772.8M	553.8M	321.5M	10M	156.6K	65M
SHAREHOLDERS' EQUITY
Treasury Stock	-92M	-53.8M	-12.5M	-10M	0.0	0.0	0.0	0.0	0.0	0.0
Preferred Stock	0.0	0.0	0.0	0.0	0.0	0.0	0.0	109.1M	0.0	0.0
Common Stock	8K	9K	9K	9K	9K	7.1K	3.8K	248.5M	647.0	99.5M
Additional Paid-In Capital	1.2B	1.1B	1.2B	1.1B	1.1B	691.7M	307.9M	0.0	24.4K	0.0
Retained Earnings	-590.6M	-333.8M	-323.7M	-213.2M	-226M	-175.9M	-53.9M	1.5M	-5.3K	0.0
Accumulated Other Comprehensive Income/Loss	0.0	0.0	-3K	-3K	-2K	-6.4M	313.4K	-109.1M	0.0	0.0
Other Total Stockholders' Equity	0.0	0.0	3K	0.0	0.0	0.0	0.0	-140.9M	0.0	0.0
Total Stockholders' Equity	484.4M	761.3M	815.1M	894.6M	874M	509.3M	254.4M	253.5M	19.7K	99.5M
Total Equity	481.8M	773.2M	830.8M	928.3M	913M	556.2M	460.5M	253.5M	19.7K	99.5M
Minority Interest	-2.6M	11.9M	15.7M	33.7M	39M	46.9M	206.2M	0.0	0.0	0.0
SUMMARY
Total Liabilities & Equity	1.2B	1.6B	1.5B	1.6B	1.7B	1.1B	782M	263.5M	176.3K	164.4M
Total Investments	10.6M	11.5M	26M	28.7M	0.0	0.0	13.3M	263.3M	0.0	0.0
Total Debt	436.9M	508.5M	443M	461.9M	459.6M	267.1M	213.4M	94.2M	156.6K	59.1M
Net Debt	321.2M	319M	324.9M	397M	409.5M	175.9M	188.8M	94.1M	130.8K	56.3M
Shares Outstanding	88,575,059	88,575,059	88,575,059	88,575,059	88,575,059	88,575,059	88,575,059	88,575,059	88,575,059	88,575,059

SEC Filings

RPAY - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
8-K 8-K 2026 N/A	June 01, 2026	June 01, 2026	2026	View Filing
10-Q 10-Q 2026 Q1 Q1	May 04, 2026	March 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	May 04, 2026	May 04, 2026	2026	View Filing
10-K/A 10-K/A 2025 FY (Amended) FY	April 30, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	April 27, 2026	April 27, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 14, 2026	April 13, 2026	2026	View Filing
8-K 8-K 2026 N/A	March 31, 2026	March 30, 2026	2026	View Filing
10-K 10-K 2025 FY FY	March 09, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	March 09, 2026	March 09, 2026	2026	View Filing
8-K 8-K 2026 N/A	February 25, 2026	February 19, 2026	2026	View Filing

Showing 1 to 10 of 167 filings

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