RPAY

Company Overview — What Does Repay Holdings Corp Do?

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. Repay Holdings Corp (RPAY) is classified as a micro-cap stock in the Industrials sector, specifically within the Business Services industry. The company is led by CEO John Morris and employs approximately 580 people. With a market capitalization of $211M, RPAY is one of the notable companies in the Industrials sector.

Repay Holdings Corp (RPAY) Stock Rating — Avoid (April 2026)

As of April 2026, Repay Holdings Corp receives a Avoid rating with a composite score of 29.3/100 and 1 out of 5 stars from the Blank Capital Research quantitative model.RPAY ranks #4,000 out of 4,446 stocks in our coverage universe. Within the Industrials sector, Repay Holdings Corp ranks #687 of 752 stocks, placing it in the lower half of its Industrials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

RPAY Stock Price and 52-Week Range

Repay Holdings Corp (RPAY) currently trades at $3.01. The stock gained $0.15 (5.2%) in the most recent trading session. The 52-week high for RPAY is $6.05, which means the stock is currently trading -50.3% from its annual peak. The 52-week low is $2.56, putting the stock 17.6% above its annual trough. Recent trading volume was 1.8M shares, reflecting moderate market activity.

Is RPAY Overvalued or Undervalued? — Valuation Analysis

Repay Holdings Corp (RPAY) carries a value factor score of 14/100 in the Blank Capital model, signaling premium valuation that prices in significant future growth. The price-to-book ratio stands at 0.41x, versus the sector average of 2.23x. The price-to-sales ratio is 0.64x, compared to 0.50x for the average Industrials stock. On an enterprise value basis, RPAY trades at 5.65x EV/EBITDA, versus 5.70x for the sector.

At current multiples, Repay Holdings Corp trades at a premium to most Industrials peers. This elevated valuation may be justified if the company can sustain above-average growth rates and profitability, but it also creates downside risk if earnings disappoint expectations.

Repay Holdings Corp Profitability — ROE, Margins, and Quality Score

Repay Holdings Corp (RPAY) earns a quality factor score of 38/100, signaling below-average profitability metrics relative to the broader market. The return on equity (ROE) is -24.8%, compared to the Industrials sector average of 8.9%, which is below typical expectations for high-quality companies. Return on assets (ROA) comes in at -10.0% versus the sector average of 3.3%.

On a margin basis, Repay Holdings Corp reports gross margins of 75.9%, compared to 35.8% for the sector. The operating margin is -37.0% (sector: 6.2%). Net profit margin stands at -39.5%, versus 3.9% for the average Industrials stock. Revenue growth is running at 3.8% on a trailing basis, compared to 6.4% for the sector. Profitability is below benchmark levels, which may reflect industry headwinds, elevated reinvestment, or structural challenges.

RPAY Debt, Balance Sheet, and Financial Health

Repay Holdings Corp has a debt-to-equity ratio of 58.0%, compared to the Industrials sector average of 70.0%. Leverage is within a manageable range for the industry, though investors should monitor debt trends over time. The current ratio is 0.82x, which may signal near-term liquidity tightness. Total debt on the balance sheet is $280M. Cash and equivalents stand at $96M.

RPAY has a beta of 1.12, meaning it is roughly in line with the broader market in terms of price volatility. The stability factor score for Repay Holdings Corp is 35/100, suggesting elevated price swings that may be unsuitable for conservative portfolios.

Repay Holdings Corp Revenue and Earnings History — Quarterly Trend

In TTM 2026, Repay Holdings Corp reported revenue of $310M and earnings per share (EPS) of $-3.00. Net income for the quarter was $-120M. Gross margin was 75.9%. Operating income came in at $-112M.

In FY 2025, Repay Holdings Corp reported revenue of $309M and earnings per share (EPS) of $-3.00. Net income for the quarter was $-271M. Gross margin was 75.0%. Revenue grew -0.6% year-over-year compared to FY 2024. Operating income came in at $-255M.

In Q3 2025, Repay Holdings Corp reported revenue of $78M and earnings per share (EPS) of $-0.08. Net income for the quarter was $-7M. Gross margin was 74.4%. Revenue grew -1.8% year-over-year compared to Q3 2024. Operating income came in at $-3M.

In Q2 2025, Repay Holdings Corp reported revenue of $76M and earnings per share (EPS) of $-1.15. Net income for the quarter was $-108M. Gross margin was 75.7%. Revenue grew 1.0% year-over-year compared to Q2 2024. Operating income came in at $-105M.

Over the past 8 quarters, Repay Holdings Corp has demonstrated a growth trajectory, with revenue expanding from $75M to $310M. Investors analyzing RPAY stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

RPAY Dividend Yield and Income Analysis

Repay Holdings Corp (RPAY) does not currently pay a dividend. This is common among smaller companies in the Business Services industry that prefer to reinvest cash flows into business expansion rather than returning capital to shareholders. Income-focused investors looking for Industrials dividend stocks may want to explore other Industrials stocks or use the stock screener to filter by dividend yield.

RPAY Momentum and Technical Analysis Profile

Repay Holdings Corp (RPAY) has a momentum factor score of 15/100, signaling weak relative price performance. Stocks with low momentum scores have historically tended to continue underperforming in the near term. The investment factor score is 32/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 55/100 reflects moderate short selling activity.

RPAY vs Competitors — Industrials Sector Ranking and Peer Comparison

Within the Industrials sector, Repay Holdings Corp (RPAY) ranks #687 out of 752 stocks based on the Blank Capital composite score. This places RPAY in the lower half of all Industrials stocks in our coverage universe. Key competitors and sector peers include South Bow Corp (SOBO) with a score of 56.5/100, TSAKOS ENERGY NAVIGATION LTD (TEN) with a score of 61.4/100, Great Lakes Dredge & Dock CORP (GLDD) with a score of 56.7/100, Tri Pointe Homes, Inc. (TPH) with a score of 57.3/100, and Clear Channel Outdoor Holdings, Inc. (CCO) with a score of 52.2/100.

Comparing RPAY against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full RPAY vs S&P 500 (SPY) comparison to assess how Repay Holdings Corp stacks up against the broader market across all factor dimensions.

RPAY Next Earnings Date

No upcoming earnings date has been announced for Repay Holdings Corp (RPAY) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy RPAY? — Investment Thesis Summary

The quantitative profile for Repay Holdings Corp suggests caution. The quality score of 38/100 flags below-average profitability. The value score of 14/100 indicates premium valuation. Momentum is weak at 15/100, a headwind for near-term performance. High volatility (stability score 35/100) increases portfolio risk.

In summary, Repay Holdings Corp (RPAY) earns a Avoid rating with a composite score of 29.3/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on RPAY stock.

Related Resources for RPAY Investors

Explore more research and tools: RPAY vs S&P 500 comparison, top Industrials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare RPAY head-to-head with peers: RPAY vs SOBO, RPAY vs TEN, RPAY vs GLDD.