image
Technology - Software - Infrastructure - NASDAQ - US
$ 7.85
-1.75 %
$ 688 M
Market Cap
-8.01
P/E
1. INTRINSIC VALUE

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.[ Read More ]

The intrinsic value of one RPAY stock under the base case scenario is HIDDEN Compared to the current market price of 7.85 USD, Repay Holdings Corporation is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart RPAY

image
FINANCIALS
297 M REVENUE
6.23%
-111 M OPERATING INCOME
-462.68%
-110 M NET INCOME
-1264.04%
104 M OPERATING CASH FLOW
39.60%
-24.1 M INVESTING CASH FLOW
39.08%
-28.9 M FINANCING CASH FLOW
-65.78%
79.1 M REVENUE
5.66%
-675 K OPERATING INCOME
80.27%
-1.31 M NET INCOME
67.82%
0 OPERATING CASH FLOW
0.00%
0 INVESTING CASH FLOW
100.00%
0 FINANCING CASH FLOW
100.00%
Balance Sheet Decomposition Repay Holdings Corporation
image
Current Assets 169 M
Cash & Short-Term Investments 118 M
Receivables 36 M
Other Current Assets 15.2 M
Non-Current Assets 1.35 B
Long-Term Investments 0
PP&E 11.2 M
Other Non-Current Assets 1.34 B
Current Liabilities 57.5 M
Accounts Payable 22 M
Short-Term Debt 3.26 M
Other Current Liabilities 32.2 M
Non-Current Liabilities 632 M
Long-Term Debt 441 M
Other Non-Current Liabilities 190 M
EFFICIENCY
Earnings Waterfall Repay Holdings Corporation
image
Revenue 297 M
Cost Of Revenue 69.7 M
Gross Profit 227 M
Operating Expenses 338 M
Operating Income -111 M
Other Expenses -923 K
Net Income -110 M
RATIOS
76.50% GROSS MARGIN
76.50%
-37.56% OPERATING MARGIN
-37.56%
-37.25% NET MARGIN
-37.25%
-13.55% ROE
-13.55%
-7.27% ROA
-7.27%
-8.75% ROIC
-8.75%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Repay Holdings Corporation
image
Net Income -110 M
Depreciation & Amortization 104 M
Capital Expenditures -64.4 M
Stock-Based Compensation 22.2 M
Change in Working Capital 3.08 M
Others 95.9 M
Free Cash Flow 39.3 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Repay Holdings Corporation
image
RPAY has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
0.00% DIVIDEND YIELD
0 USD DIVIDEND PER SHARE
5. COMPETITION
6. Ownership
Insider Ownership Repay Holdings Corporation
image
Sold
0-3 MONTHS
3.04 M USD 1
3-6 MONTHS
0 USD 0
6-9 MONTHS
1.88 M USD 1
9-12 MONTHS
259 K USD 1
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
Date Value Insider Amount Avg Price
2 months ago
Sep 13, 2024
Sell 414 K USD
Moore Jacob Hamilton
Executive Vice President
- 51694
8 USD
2 months ago
Sep 06, 2024
Sell 58.9 K USD
Moore Jacob Hamilton
Executive Vice President
- 7198
8.18 USD
2 months ago
Sep 04, 2024
Sell 1.75 M USD
Moore Jacob Hamilton
Executive Vice President
- 210632
8.31 USD
2 months ago
Sep 05, 2024
Sell 822 K USD
Moore Jacob Hamilton
Executive Vice President
- 100000
8.22 USD
7 months ago
Mar 21, 2024
Sell 643 K USD
Murphy Timothy John
Chief Financial Officer
- 58275
11.03 USD
8 months ago
Mar 13, 2024
Sell 116 K USD
Murphy Timothy John
Chief Financial Officer
- 10549
11 USD
8 months ago
Mar 08, 2024
Sell 472 K USD
Murphy Timothy John
Chief Financial Officer
- 47195
10 USD
8 months ago
Mar 01, 2024
Sell 49.2 K USD
Murphy Timothy John
Chief Financial Officer
- 4925
10 USD
8 months ago
Mar 04, 2024
Sell 56.4 K USD
Murphy Timothy John
Chief Financial Officer
- 5624
10.03 USD
8 months ago
Mar 05, 2024
Sell 111 K USD
Murphy Timothy John
Chief Financial Officer
- 11080
10 USD
8 months ago
Mar 01, 2024
Sell 431 K USD
Murphy Timothy John
Chief Financial Officer
- 43520
9.91 USD
8 months ago
Mar 04, 2024
Sell 80.5 USD
Murphy Timothy John
Chief Financial Officer
- 8
10.06 USD
11 months ago
Nov 22, 2023
Sell 259 K USD
Sullivan Thomas Eugene
Chief Accounting Officer
- 35000
7.4 USD
1 year ago
Sep 14, 2023
Sell 39.8 K USD
Hartheimer Robert Herman
Director
- 5000
7.96 USD
1 year ago
Sep 15, 2023
Sell 55 K USD
Hartheimer Robert Herman
Director
- 6874
8 USD
1 year ago
Sep 01, 2023
Sell 47 K USD
Hartheimer Robert Herman
Director
- 5000
9.4 USD
1 year ago
Aug 16, 2023
Sell 100 K USD
Barnett Naomi
Executive Vice President
- 11000
9.09 USD
1 year ago
Aug 17, 2023
Sell 452 K USD
Dempsey Tyler B
General Counsel
- 50000
9.04 USD
1 year ago
Jul 07, 2023
Sell 412 K USD
Alias Shaler
President
- 54396
7.57 USD
1 year ago
Jul 06, 2023
Sell 1.08 M USD
Alias Shaler
President
- 143486
7.55 USD
1 year ago
Jul 05, 2023
Sell 1.57 M USD
Alias Shaler
President
- 200000
7.85 USD
1 year ago
Jul 03, 2023
Sell 1.59 M USD
Alias Shaler
President
- 200000
7.93 USD
1 year ago
Jun 20, 2023
Sell 1.05 M USD
Alias Shaler
President
- 139326
7.51 USD
1 year ago
Jun 14, 2023
Sell 1.12 M USD
Alias Shaler
President
- 149195
7.52 USD
1 year ago
Jun 15, 2023
Sell 4.56 M USD
Alias Shaler
President
- 600000
7.6 USD
1 year ago
Jun 13, 2023
Sell 3.76 M USD
Alias Shaler
President
- 500000
7.51 USD
2 years ago
Nov 17, 2022
Sell 494 K USD
Jackson Michael Frank
Chief Operating Officer
- 62500
7.9 USD
2 years ago
Nov 14, 2022
Bought 482 K USD
KIGHT PETER J
Director
+ 65000
7.41 USD
2 years ago
Nov 11, 2022
Bought 179 K USD
Murphy Timothy John
Chief Financial Officer
+ 26000
6.87 USD
2 years ago
Nov 11, 2022
Bought 515 K USD
Alias Shaler
President
+ 75000
6.87 USD
2 years ago
Nov 11, 2022
Bought 103 K USD
Morris John Andrew Sr.
Chief Executive Officer
+ 15000
6.87 USD
2 years ago
Aug 11, 2022
Bought 501 K USD
KIGHT PETER J
director:
+ 51621
9.71 USD
2 years ago
Aug 18, 2022
Bought 557 K USD
KIGHT PETER J
Director
+ 56956
9.78 USD
2 years ago
Aug 15, 2022
Sell 43.2 K USD
Barnett Naomi
Executive Vice President
- 4000
10.8 USD
2 years ago
Jun 16, 2022
Bought 402 K USD
KIGHT PETER J
director:
+ 37262
10.79 USD
2 years ago
May 18, 2022
Bought 50.9 K USD
THORNBURGH RICHARD E
director:
+ 4500
11.31 USD
2 years ago
May 18, 2022
Bought 292 K USD
Murphy Timothy John
Chief Financial Officer
+ 26000
11.25 USD
2 years ago
May 18, 2022
Bought 1.01 M USD
Morris John Andrew Sr.
Chief Executive Officer
+ 90000
11.25 USD
2 years ago
Mar 09, 2022
Sell 95.7 K USD
Barnett Naomi
Executive Vice President
- 6500
14.72 USD
3 years ago
Aug 31, 2021
Sell 98.9 K USD
Moore Jacob Hamilton
Executive Vice President
- 4300
23.01 USD
3 years ago
Jun 17, 2021
Sell 95.8 K USD
Kirk Jason
Chief Technology Officer
- 3832
25 USD
3 years ago
Jun 18, 2021
Sell 240 K USD
Kirk Jason
Chief Technology Officer
- 9588
25 USD
3 years ago
Jun 07, 2021
Sell 164 K USD
Kirk Jason
Chief Technology Officer
- 6580
25 USD
3 years ago
Jun 08, 2021
Sell 632 K USD
Murphy Timothy John
Chief Financial Officer
- 25267
25 USD
3 years ago
May 14, 2021
Sell 49.6 K USD
Barnett Naomi
Executive Vice President
- 2154
23.01 USD
3 years ago
Apr 05, 2021
Sell 234 K USD
Dempsey Tyler B
General Counsel
- 10000
23.38 USD
3 years ago
Mar 11, 2021
Sell 75.3 K USD
Hartheimer Robert Herman
Director
- 3000
25.11 USD
3 years ago
Mar 05, 2021
Sell 120 K USD
Hartheimer Robert Herman
Director
- 5000
24 USD
3 years ago
Mar 08, 2021
Sell 115 K USD
Hartheimer Robert Herman
Director
- 5000
23 USD
3 years ago
Mar 09, 2021
Sell 120 K USD
Hartheimer Robert Herman
Director
- 5000
24 USD
3 years ago
Dec 16, 2020
Sell 249 K USD
Moore Jacob Hamilton
Executive Vice President
- 10000
24.93 USD
3 years ago
Dec 15, 2020
Sell 491 K USD
JACOBS WILLIAM I
Director
- 20000
24.53 USD
3 years ago
Dec 15, 2020
Sell 242 K USD
Hartheimer Robert Herman
Director
- 10000
24.25 USD
3 years ago
Dec 15, 2020
Sell 120 K USD
Hartheimer Robert Herman
Director
- 5000
24 USD
3 years ago
Dec 15, 2020
Sell 61.2 K USD
Hartheimer Robert Herman
Director
- 2500
24.5 USD
4 years ago
Sep 28, 2020
Sell 3.78 M USD
Alias Shaler
President
- 156181
24.2 USD
4 years ago
Sep 15, 2020
Sell 813 K USD
Dempsey Tyler B
General Counsel
- 35000
23.23 USD
4 years ago
Jul 30, 2020
Sell 1.23 M USD
Murphy Timothy John
Chief Financial Officer
- 54950
22.3 USD
4 years ago
Jul 30, 2020
Sell 1.71 M USD
Murphy Timothy John
Chief Financial Officer
- 76561
22.3 USD
4 years ago
Jul 31, 2020
Sell 6.92 M USD
Murphy Timothy John
Chief Financial Officer
- 318609
21.71 USD
4 years ago
Jul 28, 2020
Sell 225 K USD
Kirk Jason
Chief Technology Officer
- 9819
22.91 USD
4 years ago
Jul 29, 2020
Sell 4.26 M USD
Kirk Jason
Chief Technology Officer
- 190185
22.38 USD
4 years ago
Jul 24, 2020
Sell 1.57 M USD
Perlmutter Susan
Chief Revenue Officer
- 70002
22.46 USD
4 years ago
Jul 24, 2020
Sell 3.13 M USD
Jackson Michael Frank
Chief Operating Officer
- 139173
22.46 USD
4 years ago
Jul 23, 2020
Sell 5.91 M USD
Alias Shaler
President
- 256042
23.1 USD
4 years ago
Jul 22, 2020
Sell 658 K USD
Alias Shaler
President
- 27778
23.7 USD
4 years ago
Jun 03, 2020
Sell 660 K USD
Sullivan Thomas Eugene
VP, Controller
- 28145
23.45 USD
4 years ago
May 13, 2020
Sell 91.2 K USD
Hartheimer Robert Herman
Director
- 5000
18.23 USD
4 years ago
May 13, 2020
Sell 92.5 K USD
Hartheimer Robert Herman
Director
- 5000
18.5 USD
4 years ago
May 14, 2020
Sell 95 K USD
Hartheimer Robert Herman
Director
- 5000
19 USD
4 years ago
Mar 18, 2020
Bought 258 K USD
THORNBURGH RICHARD E
Director
+ 16600
15.53 USD
4 years ago
Mar 18, 2020
Bought 998 K USD
GARCIA PAUL R
Director
+ 65800
15.16 USD
7. News
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 - 4 days 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 - 4 days 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 - 4 days 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 - 3 weeks 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 - 3 months ago
Repay Holdings (RPAY) Beats Q2 Earnings and Revenue Estimates Repay Holdings (RPAY) came out with quarterly earnings of $0.22 per share, beating the Zacks Consensus Estimate of $0.20 per share. This compares to earnings of $0.19 per share a year ago. zacks.com - 3 months ago
Buy 5 Financial Transaction Stocks to Enhance Your Portfolio We have narrowed our search to five financial transaction stocks. These are: ENV, COIN, CTLP, RPAY, FOUR. zacks.com - 3 months ago
REPAY Empowers Credit Unions with Enhancements to CU*Answers Integration ATLANTA--(BUSINESS WIRE)--Repay Holdings Corporation (NASDAQ: RPAY) (“REPAY”), a leading provider of vertically-integrated payment solutions, today announced new enhancements to the company's integration with partner CU*Answers, a 100% credit union-owned, Credit Union Service Organization (CUSO) that provides core processing solutions and services for hundreds of credit unions across the U.S. Various new features, including real-time payment posting and tracking, simplified sign-in capabilities. businesswire.com - 5 months ago
REPAY Recognized as WEX Partner of the Year ATLANTA--(BUSINESS WIRE)--Repay Holdings Corporation (NASDAQ: RPAY) (“REPAY”), a leading provider of vertically-integrated payment solutions, today announced it has been awarded Partner of the Year and inducted into the WEX Circle of Excellence at the WEX 2023 Community Awards. Chosen from an impressive pool of WEX technology partners, REPAY has been recognized as a best-in-class fintech partner in the corporate, embedded, and API-facilitated business-to-business (B2B) payments category. This i. businesswire.com - 5 months ago
REPAY Is Now a Certified Integration Partner With Corelation's KeyStone Platform ATLANTA--(BUSINESS WIRE)--Repay Holdings Corporation (NASDAQ: RPAY) (“REPAY”), a leading provider of vertically-integrated payment solutions, today announced that the company has achieved Certified Integration Partner status with Corelation, a leading and innovative core processor for credit unions. By further leveraging REPAY's integration with Corelation's KeyStone platform, credit unions can simplify operations, streamline payment processing and surpass member expectations. Continued success. businesswire.com - 6 months ago
Repay Holdings Corporation (RPAY) Q1 2024 Earnings Call Transcript Repay Holdings Corporation (NASDAQ:RPAY ) Q1 2024 Results Conference Call May 9, 2024 5:00 PM ET Company Participants Stewart Grisante - Head of IR John Morris - CEO, Co-Founder and Director Tim Murphy - CFO Conference Call Participants Ramsey El-Assal - Barclays Sanjay Sakhrani - KBW Peter Heckmann - D.A. Davidson Joseph Vafi - Canaccord Genuity Mike Grondahl - Northland Securities Pat Ennis - UBS Operator Good afternoon. seekingalpha.com - 6 months ago
Repay Holdings (RPAY) Q1 Earnings and Revenues Beat Estimates Repay Holdings (RPAY) came out with quarterly earnings of $0.23 per share, beating the Zacks Consensus Estimate of $0.22 per share. This compares to earnings of $0.20 per share a year ago. zacks.com - 6 months ago
8. Profile Summary

Repay Holdings Corporation RPAY

image
COUNTRY US
INDUSTRY Software - Infrastructure
MARKET CAP $ 688 M
Dividend Yield 0.00%
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 512
Officers Ms. Naomi Barnett Executive Vice President of Human Resources Mr. John Andrew Morris Sr., CPA Chief Executive Officer, Co-Founder & Director Mr. Jacob Hamilton Moore Executive Vice President of Consumer Payments Mr. Shaler V. Alias CPP President, Co-Founder & Director Thomas Eugene Sullivan Chief Accounting Officer, Vice President & Corporate Controller Mr. Darin Horrocks Executive Vice President of Business Payments Mr. Stewart Joseph Grisante Head of Investor Relations Mr. Alexander M. Cohen Executive Vice President of Corporate Development & Strategy Mr. Timothy John Murphy Chief Financial Officer Mr. David M. Guthrie Chief Technology Officer