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Technology - Software - Infrastructure - NASDAQ - US
$ 5.16
0.978 %
$ 458 M
Market Cap
-46.91
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one RPAY stock under the worst case scenario is HIDDEN Compared to the current market price of 5.16 USD, Repay Holdings Corporation is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one RPAY stock under the base case scenario is HIDDEN Compared to the current market price of 5.16 USD, Repay Holdings Corporation is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one RPAY stock under the best case scenario is HIDDEN Compared to the current market price of 5.16 USD, Repay Holdings Corporation is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart RPAY

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$9.0$9.0$8.5$8.5$8.0$8.0$7.5$7.5$7.0$7.0$6.5$6.5$6.0$6.0$5.5$5.5$5.0$5.015 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
313 M REVENUE
5.53%
-7.77 M OPERATING INCOME
93.03%
-10.3 M NET INCOME
90.64%
150 M OPERATING CASH FLOW
44.85%
-44.9 M INVESTING CASH FLOW
-86.20%
-12.7 M FINANCING CASH FLOW
56.22%
78.3 M REVENUE
-1.10%
-1.17 M OPERATING INCOME
-73.33%
-3.96 M NET INCOME
-202.14%
34.3 M OPERATING CASH FLOW
-42.97%
-10.8 M INVESTING CASH FLOW
3.98%
-2 M FINANCING CASH FLOW
73.61%
Balance Sheet Repay Holdings Corporation
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Current Assets 275 M
Cash & Short-Term Investments 190 M
Receivables 33 M
Other Current Assets 52.8 M
Non-Current Assets 1.3 B
Long-Term Investments 0
PP&E 13.5 M
Other Non-Current Assets 1.28 B
12.06 %3.36 %81.63 %Total Assets$1.6b
Current Liabilities 102 M
Accounts Payable 28.9 M
Short-Term Debt 1.23 M
Other Current Liabilities 72.1 M
Non-Current Liabilities 696 M
Long-Term Debt 507 M
Other Non-Current Liabilities 189 M
3.62 %9.03 %63.51 %23.69 %Total Liabilities$798.7m
EFFICIENCY
Earnings Waterfall Repay Holdings Corporation
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Revenue 313 M
Cost Of Revenue 0
Gross Profit 313 M
Operating Expenses 321 M
Operating Income -7.77 M
Other Expenses 2.58 M
Net Income -10.3 M
350m350m300m300m250m250m200m200m150m150m100m100m50m50m00(50m)(50m)313m0313m(321m)(8m)(3m)(10m)RevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
-2.48% OPERATING MARGIN
-2.48%
-3.24% NET MARGIN
-3.24%
-1.33% ROE
-1.33%
-0.65% ROA
-0.65%
-0.50% ROIC
-0.50%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Repay Holdings Corporation
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160m160m140m140m120m120m100m100m80m80m60m60m40m40m20m20m00(20m)(20m)201720172018201820192019202020202021202120222022202320232024202420252025
Net Income -10.3 M
Depreciation & Amortization 104 M
Capital Expenditures -989 K
Stock-Based Compensation 24.4 M
Change in Working Capital 30.4 M
Others 10.3 M
Free Cash Flow 149 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Repay Holdings Corporation
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Wall Street analysts predict an average 1-year price target for RPAY of $8 , with forecasts ranging from a low of $8 to a high of $8 .
RPAY Lowest Price Target Wall Street Target
8 USD 55.04%
RPAY Average Price Target Wall Street Target
8 USD 55.04%
RPAY Highest Price Target Wall Street Target
8 USD 55.04%
Price
Max Price Target
Min Price Target
Average Price Target
111110109988776655May '24May '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26
4. DIVIDEND ANALYSIS
5. COMPETITION
slide 2 of 7
6. Ownership
Insider Ownership Repay Holdings Corporation
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
470 K USD 1
6-9 MONTHS
3.04 M USD 1
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
Repay Holdings: Exploring Strategic Alternatives For Future Growth Repay Holdings Corporation leverages the shift to digital payments with a proprietary platform, focusing on Customer and Business Payments segments for specific verticals. Despite a steep decline in valuation, RPAY shows steady top-line growth and strong cash-flow conversion, presenting a 60% upside opportunity at a target price of $8.8. Repay is conducting a strategic review to explore expansion opportunities, strengthen its market position, and assess potential mergers and acquisitions or other strategic alternatives to maximize shareholder value. seekingalpha.com - 3 weeks ago
Repay Holdings Corporation (RPAY) Q4 2024 Earnings Call Transcript Repay Holdings Corporation (NASDAQ:RPAY ) Q4 2024 Earnings Conference Call March 3, 2025 5:00 PM ET Company Participants Stewart Grisante - Head of Investor Relations John Morris - Co-Founder and Chief Executive Officer Tim Murphy - Chief Financial Officer Conference Call Participants Ramsey El-Assal - Barclays Corporate & Investment Bank Sanjay Sakhrani - Keefe, Bruyette & Woods, Inc. Joseph Vafi - Canaccord Genuity Andrew Schmidt - Citigroup Inc. Peter Heckmann - D.A. Davidson & Co. Rufus Hone - BMO Capital Markets Charles Nabhan - Stephens Inc. Timothy Chiodo - UBS Group AG Mike Grondahl - Northland Securities, Inc. Shefali Tamaskar - Morgan Stanley Investment Management Operator Good afternoon. seekingalpha.com - 1 month ago
Repay Holdings (RPAY) Q4 Earnings Meet Estimates Repay Holdings (RPAY) came out with quarterly earnings of $0.24 per share, in line with the Zacks Consensus Estimate. This compares to earnings of $0.27 per share a year ago. zacks.com - 1 month ago
REPAY Reports Fourth Quarter and Full Year 2024 Financial Results ATLANTA--(BUSINESS WIRE)--Repay Holdings Corporation (NASDAQ: RPAY) (“REPAY” or the “Company”), a leading provider of vertically-integrated payment solutions, today reported financial results for its fourth quarter and full year ended December 31, 2024. Fourth Quarter 2024 Financial Highlights ($ in millions)   Q4 2023     Q1 2024     Q2 2024     Q3 2024     Q4 2024     YoY Change Revenue   $ 76.0     $ 80.7     $ 74.9     $ 79.1     $ 78.3     3% Gross profit (1)     58.7       61.5       58.6. businesswire.com - 1 month ago
REPAY to Announce Fourth Quarter and Full Year 2024 Results on March 3, 2025 ATLANTA--(BUSINESS WIRE)--Repay Holdings Corporation (NASDAQ: RPAY) (“REPAY” or the “Company”), a leading provider of integrated payment processing solutions, today announced that the Company will host a conference call to discuss fourth quarter and full year 2024 financial results on Monday, March 3, 2025 at 5:00pm ET. A press release with fourth quarter and full year 2024 financial results will be issued after the market closes that same day. The conference call will be webcast live from the. businesswire.com - 2 months ago
REPAY Optimizes Vendor Payments for Recreational Vehicle Dealerships with Lightspeed DMS Integration ATLANTA--(BUSINESS WIRE)--Repay Holdings Corporation (NASDAQ: RPAY) (“REPAY”), a leading provider of vertically-integrated payment solutions, today announced a new integration with Lightspeed DMS, the leading recreational dealer management software (DMS) provider. This collaboration marks REPAY's first major expansion beyond the traditional automotive industry, offering revenue- and productivity-driving payment automation to a wider range of retailers and dealerships. This new integration with. businesswire.com - 2 months ago
REPAY and Worth Partner for KYB and Underwriting Tools to Speed Merchant Onboarding and Vendor Enrollment ATLANTA--(BUSINESS WIRE)--REPAY (NASDAQ: RPAY), a leading provider of vertically-integrated payment solutions, today announced a strategic integration with Worth, the all-in-one fintech platform for underwriting and onboarding workflow automation. REPAY's integration with the Worth platform will enable faster merchant onboarding and high-volume AP vendor enrollments, leveraging Worth's 1,100-plus data points for precise, transparent and timely decisioning of underwriting and onboarding activiti. businesswire.com - 2 months ago
Repay Holdings Corporation (RPAY) Q3 2024 Earnings Call Transcript Repay Holdings Corporation (NASDAQ:RPAY ) Q3 2024 Earnings Conference Call November 12, 2024 5:00 PM ET Company Participants Stewart Grisante – Head-Investor Relations John Morris – Co-Founder and Chief Executive Officer Tim Murphy – Chief Financial Officer Conference Call Participants Ramsey El-Assal – Barclays Joseph Vafi - Canaccord Genuity Andrew Schmidt – Citi Peter Heckmann – D.A. Davidson Rufus Hone – BMO Capital Markets Alex Newman - Stephens Patrick Ennis - Credit Suisse Operator Good afternoon. seekingalpha.com - 5 months ago
Repay Holdings (RPAY) Matches Q3 Earnings Estimates Repay Holdings (RPAY) came out with quarterly earnings of $0.23 per share, in line with the Zacks Consensus Estimate. This compares to earnings of $0.21 per share a year ago. zacks.com - 5 months ago
REPAY Reports Third Quarter 2024 Financial Results ATLANTA--(BUSINESS WIRE)--Repay Holdings Corporation (NASDAQ: RPAY) (“REPAY” or the “Company”), a leading provider of vertically-integrated payment solutions, today reported financial results for its third quarter ended September 30, 2024. Third Quarter 2024 Financial Highlights    (in $ millions)   Q3 2023   Q4 2023   Q1 2024   Q2 2024   Q3 2024   YoY Change Revenue   $ 74.3     $ 76.0     $ 80.7     $ 74.9     $ 79.1     6% Gross profit (1)     56.7       58.7       61.5       58.6       61.6. businesswire.com - 5 months ago
REPAY to Announce Third Quarter 2024 Results on November 12, 2024 ATLANTA--(BUSINESS WIRE)--Repay Holdings Corporation (NASDAQ: RPAY) (“REPAY” or the “Company”), a leading provider of integrated payment processing solutions, today announced that the Company will host a conference call to discuss third quarter 2024 financial results on Tuesday, November 12, 2024 at 5:00pm ET. A press release with third quarter 2024 financial results will be issued after the market closes that same day. The conference call will be webcast live from the Company's investor relati. businesswire.com - 5 months ago
Repay Holdings Corporation (RPAY) Q2 2024 Earnings Call Transcript Repay Holdings Corporation (NASDAQ:RPAY ) Q2 2024 Earnings Conference Call August 8, 2024 5:00 PM ET Company Participants Stewart Grisante – Head-Investor Relations John Morris – Co-Founder and Chief Executive Officer Tim Murphy – Chief Financial Officer Conference Call Participants Ramsey El-Assal – Barclays Sanjay Sakhrani – KBW Peter Heckmann – D.A. Davidson Pallav Saini – Canaccord Genuity Charles Nabhan – Stephens Rufus Hone – BMO Capital Markets Andrew Schmidt – Citi Operator Good afternoon. seekingalpha.com - 8 months ago
8. Profile Summary

Repay Holdings Corporation RPAY

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COUNTRY US
INDUSTRY Software - Infrastructure
MARKET CAP $ 458 M
Dividend Yield 0.35%
Description 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.
Contact 3 West Paces Ferry Road, Atlanta, GA, 30305 https://www.repay.com
IPO Date July 17, 2018
Employees 465
Officers Thomas Eugene Sullivan Chief Accounting Officer, Vice President & Corporate Controller Mr. John Andrew Morris Sr., CPA Chief Executive Officer, Co-Founder & Director Mr. Tyler B. Dempsey J.D. General Counsel & Secretary Ms. Naomi Barnett Executive Vice President of Human Resources Mr. Stewart Joseph Grisante Head of Investor Relations Mr. Shaler V. Alias CPP President, Co-Founder & Director Mr. Timothy John Murphy Chief Financial Officer Mr. Jacob Hamilton Moore Executive Vice President of Consumer Payments Mr. Darin Horrocks Executive Vice President of Business Payments Mr. David M. Guthrie Chief Technology Officer