RPAY$4.11
$4.0603
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Performance
Key Stats
AI RPAY Summary
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Powered by LiveAIOverall Analysis
NeutralRepay Holdings Corporation shows a mixed profile. Fundamentally, it faces challenges with profitability but exhibits strong revenue growth and manageable debt. Technical indicators are mixed, with some bullish signals on longer timeframes but overbought conditions on shorter ones. Thematic alignment is moderate. A cautious approach is advised, focusing on potential turnaround in profitability or favorable market shifts.
Thematic
Repay operates in the payment technology sector, which benefits from ongoing digital transformation trends and increased e-commerce adoption. However, competition and evolving regulatory landscapes are key considerations.
Fundamental
Repay has shown strong revenue growth but has struggled with profitability, reporting net losses in recent periods. Debt levels are significant, but the company maintains a reasonable cash position and free cash flow generation.
Technical
The stock price is trading near its 52-week high and has shown positive performance over the last month and 5 days. However, longer-term performance metrics indicate significant drawdowns over 6 months and 1 year. Technical indicators suggest mixed signals, with some bullish signs on daily and hourly charts but potential overbought conditions.
| Factor | Score |
|---|---|
| Digital Payments Adoption | 75 |
| Fintech Innovation | 70 |
| Regulatory Environment (Payments) | 40 |
| Economic Sensitivity | 50 |
| Factor | Score |
|---|---|
| Valuation | 50 |
| Profitability | 30 |
| Growth | 70 |
| Balance Sheet Health | 60 |
| Cash Flow | 80 |
| Factor | Score |
|---|---|
| Trend Analysis | 75 |
| Momentum | 65 |
| Volume Confirmation | 50 |
| Price Action | 70 |
| Support & Resistance | 55 |
AI Investing Checklist
Powered by LiveAIBullish Points (6)
Recent Price Momentum
The current price is $5.265, showing a positive change of 2.03% in the last trading session. Performance over the last 1 month is 10.61%.
Positive Revenue Trends
Trailing Price-to-Sales (P/S) ratio is 2.1 (TTM), with annual P/S showing a trend from 7.4 (2021) to 1.6 (2023), indicating improved sales efficiency relative to market cap. Quarterly P/S for Q1 2025 is 6.4, suggesting potential growth.
Bearish Points (8)
Negative Earnings and High P/E
The company has reported negative EPS (TTM: -0.14, 2024: -0.10) and a negative TTM P/E ratio (-56.4), indicating current unprofitability. Trailing P/E ratios are significantly high when positive, suggesting potential overvaluation.
Net Loss in Recent Periods
The company has incurred net losses in recent periods, with a net income of -$10.16 million in 2024 and -$7.95 million in Q1 2025, indicating persistent profitability challenges.
Calendar
August 2025
8
Next Earnings Date
H: $0.22
A: $0.20
L: $0.18
H: 76.20M
A: 73.48M
L: 71.92M
Profile
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. The company was founded in 2006 and is headquartered in Atlanta, Georgia.
Seasonals
Price Target
7.89 USD
The 39 analysts offering 1 year price forecasts for RPAY have a max estimate of 12.00 and a min estimate of 4.50.
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
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