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Repay Holdings Corporation

RPAY Technology Software Infrastructure

Repay Holdings Corporation’s revenue for fiscal 2025 (year ended December 2025) was $309.3 million, down 1.21% from fiscal 2024.

Revenue
+33.2%
EPS
+88.7%
Free cash flow
+21.1%
Total debt
+51.3%

Quarter to June 2026, against a year earlier

4.37 0.19 −4.17%
Market cap
$402.1M
P/E
0.0×
Fwd P/E
−12.4×
Dividend yield
—
F-score
5/9
Altman Z
−0.91
Beneish M
−3.91
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 6.65
Sold, $m 0.20
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — 1 2 — — — — — — —
Sell — — — — — — — — — 1 1 —
Insider Ownership 23.31%

Capital & Financial Ratios $m

Size
Market Cap 402.12
Revenue ttm 337.81
Net income ttm (176.45)
Free cash flow ttm 31.26
Net debt Q 634.84
Valuation
P/E 0.00
Forward P/E (12.40) (negative: loss-making)
Price / sales 1.08
Forward P/S Powerpack
Price / FCF 11.64
Price / book 0.78
Financial health
Current ratio Q 1.45
Debt / equity Q 1.61
Interest coverage Q (0.41)
Growth
Revenue growth Q +33.16% (above 0%: growing)
Operating income growth Q +96.90% (above 0%: growing)
EPS, this year +13.30%
EPS, next year A +14.45%
Revenue, next year A +58.86% (at or above 10%: strong)
EPS, past 5 yrs —
EPS, next 5 yrs A +20.33% (at or above 15%: strong)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

EV/Sales, ten years
EV/Sales is 3.0×, against a ten-year median of 3.8×; over the ten years it ranged from 1.0× in 2019 to 13.1× in 2021.
P/S against its own 10 years 16.70%
10-year low 10-year high
P/B against its own 10 years 29.47%
10-year low 10-year high
EV/Sales against its own 10 years 26.81%
10-year low 10-year high
EV/FCF against its own 10 years 35.20%
10-year low 10-year high

Dividends

Yield
—
Annual rate
—
Payout ratio
—

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 129 225 145 119
Receivables 36 33 33 64
Inventory — — — 2
Other — — — —
181 275 197 213
2023 2024 2025 Q'26
Payables 22 29 25 44
ST’ Debt — — 146 5
Other 0 0 1 11
57 102 241 147

Compound Annual Growth %

10y 5y 3y
Sales — 14.81% 3.46%
Cash Flow — 26.18% 7.07%
Earnings — 0.00% 0.00%
Book Value — (2.83%) (19.64%)

Earnings Trends EPS, adjusted, against the consensus

Q2 FY26 Estimate 0.20 Actual 0.20

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q3 FY25 0.20 0.21 Beat by 0.01
Q4 FY25 0.22 0.19 Miss by 0.03
Q1 FY26 0.22 0.22 Met by 0.00
Q2 FY26 0.20 0.20 Met by 0.00
Q3 FY26 0.29 — Reports 9 November 2026

EPS $

Mar Jun Sep Dec Year
’26 (0.12) (0.13) — — —
’25 (0.09) (1.15) (0.08) (1.71) (3.00)
’24 (0.06) (0.04) 0.03 (0.05) (0.11)
’23 (0.30) (0.05) (0.07) (0.80) (1.23)
’22 0.12 0.00 0.05 (0.07) 0.12
’21 (0.21) (0.15) (0.07) (0.18) (0.60)
’20 (0.09) (1.99) (0.16) (0.13) (2.02)
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 81 101 — — —
’25 77 76 78 79 309
’24 81 75 79 78 313
’23 75 72 74 76 297
’22 68 67 72 73 279
’21 48 48 61 62 219
’20 39 37 38 41 155
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 17 40 — — —
’25 3 33 32 23 91
’24 25 31 60 34 150
’23 21 20 28 35 104
’22 14 13 25 22 74
’21 5 12 15 22 53
’20 9 1 (3) 22 28
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 (17) 27 — — —
’25 (8) 23 21 14 49
’24 14 19 49 23 105
’23 (6) (14) 14 8 39
’22 6 4 (13) 11 35
’21 0 7 9 (5) 9
’20 6 (4) (7) 9 4
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1.4
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue — 94 130 105 155 219 279 297 313 309 338 +16.1% 491 627 679 +30.0%
Gross margin, % — 38.69 42.32 75.27 73.27 74.69 76.78 76.50 77.12 75.02 73.49 +36.3 pt
EBT — 9 11 (76) (130) (87) 15 (120) (11) (277) (181) n/m
EBT margin, % — 10.06 8.10 (72.23) (83.67) (39.56) 5.34 (40.30) (3.49) (89.55) (53.64) (99.6) pt
Net income — 9 11 (71) (117) (56) 9 (117) (10) (271) (176) n/m
Per share, $
Per share, $ Revenue — 0.00 4.03 2.93 2.97 2.63 3.14 3.29 3.48 3.61 4.06 n/m
Earnings — 0.00 (0.14) (0.88) (2.02) (0.60) 0.14 (1.23) (0.11) (3.00) (2.04) n/m
Cash flow — 0.00 0.75 0.60 0.55 0.64 0.84 1.15 1.67 1.06 1.35 n/m
Capex — 0.00 (0.18) (0.22) (0.47) (0.53) (0.45) (0.71) (0.50) (0.49) (0.98) n/m
Free cash flow — 0.00 0.57 0.37 0.08 0.11 0.39 0.44 1.17 0.57 0.38 n/m
Book value — 0.00 3.38 11.75 10.66 10.96 10.45 9.23 8.60 5.63 5.63 n/m
Shares, m — — 32 36 52 83 89 90 90 86 83 +15.0%
Valuation, ×
Valuation, × P/E — 0.00 0.00 0.00 0.00 0.00 57.29 0.00 0.00 0.00 0.00 6.4
P/S — 0.00 0.00 5.00 9.17 6.94 2.55 2.56 2.19 1.01 1.08 3.3
P/B — 12.73 13.06 1.25 2.56 1.67 0.77 0.91 0.89 0.65 0.78 3.8
EV/Sales — 0.00 0.00 6.81 10.24 8.77 3.94 3.60 3.07 1.92 2.96 4.3
EV/FCF — (7,438.46) 7.96 53.29 57.74 209.42 130.25 (3,579.72) 18.40 (487.93) 31.95 (1,225.5)
Cash, $m
Cash, $m Operating cash flow — 21 24 21 28 53 74 104 150 91 113 +20.0%
Capex — (3) (6) (8) (24) (44) (40) (64) (45) (42) (81) +36.7%
Free cash flow — 18 18 13 4 9 35 39 105 49 31 +13.6%
Balance, $m
Balance, $m Working capital — 0 (1) (8) 54 3 35 123 173 (44) 66 +106.8%
Net debt — 0 81 189 166 400 388 305 272 282 635 n/m
Shareholders’ equity — 0 109 420 556 913 928 831 773 482 469 +253.6%
Returns, %
Returns, % ROA — 8.63 9.61 (6.30) (11.16) (3.58) 0.77 (7.02) (0.66) (18.52) (11.08) (27.2) pt
ROIC — 0.00 5.46 (4.95) (2.77) (2.57) (2.24) (6.13) (0.46) (20.86) (8.46) (20.9) pt
ROE — 7.45 8.31 (9.37) (21.64) (6.82) 1.39 (12.56) (1.27) (40.91) (30.21) (48.4) pt
People
People Employees — 5 4 243 354 552 579 512 465 486 — +77.2%
Revenue/emp, $m — 18.79 32.50 0.43 0.44 0.40 0.48 0.58 0.67 0.64 — (34.5%)
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026 · fundamentals updated 26 Oct 2026

Repay Holdings Corporation vs peers in Software Infrastructure (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
IIIV i3 Verticals, Inc. $509.6M 47.5× 73.3× +2.25% (above 0%: growing) −66.04% (below 0%: shrinking) +129.93% (above 0%: growing) 100.00% (1.68%) Compare
RZLV Rezolve AI PLC $508.6M — (loss-making) — — n/m −81,583.43% (below 0%: shrinking) — 0.00% Compare
BLZE Backblaze, Inc. $479.7M — (loss-making) — (loss-making) +25.54% (above 0%: growing) n/m +229.34% (above 0%: growing) 63.96% (3.02%) Compare
BRUN Boost Run Inc. $466.2M — — — — — — — Compare
ALLT Allot Ltd. $403.3M 38.9× 54.3× +15.33% (above 0%: growing) n/m +122.93% (above 0%: growing) 71.27% 3.96% Compare
RPAY Repay Holdings Corporation $402.1M — (loss-making) — (loss-making) +33.16% (above 0%: growing) n/m +21.11% (above 0%: growing) 70.13% (3.23%)
CINT CI&T Inc. $400.6M 10.6× 10.9× +21.88% (above 0%: growing) −28.57% (below 0%: shrinking) −1,767.69% (below 0%: shrinking) 31.09% 8.45% Compare
TLS Telos Corporation $357.2M — (loss-making) 1,084× +32.74% (above 0%: growing) n/m +42.95% (above 0%: growing) 34.96% 0.65% Compare
PSFE Paysafe Limited $344.1M — (loss-making) — (loss-making) +4.49% (above 0%: growing) n/m −148.29% (below 0%: shrinking) 54.48% (2.84%) Compare
Median of peers $434.7M 38.9× 63.8× +18.61% — +42.95% 59.22% 0.00%

All 183 Software Infrastructure stocks →

Pay and ownership Proxy statement filed 30 April 2025

Chief executive’s pay

Year Total pay Actually paid $100 invested
2024 8.61m 4.66m 52.08
2023 8.92m 10.50m 58.29
2022 6.10m (1.91m) 54.95
2021 5.43m 1.23m 124.71
2020 4.42m 10.97m 186.01
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Read the proxy statement

Repay Holdings Corporation (RPAY) Latest News

26 Oct

Impact 3 · · Business Wire

13 Oct

Impact 4 · · Business Wire

2 Oct

Impact 3 · · Zacks

24 Sep

Impact 3 · · Zacks
Impact 3 · · Zacks

23 Sep

Impact 3 · · Business Wire

26 Aug

Impact 3 ·

24 Aug

Impact 3 ·

19 Aug

Impact 3 ·

17 Aug

Impact 4 · · The Motley Fool transcript

16 Aug

Impact 4 · · MarketBeat

11 Aug

Impact 4 · transcript
Impact 3 · · Moby

10 Aug

Impact 3 · · MarketBeat transcript
Impact 3 ·

6 Aug

Impact 4 ·

16 Jul

Impact 3 ·

13 Jul

Impact 3 ·

8 Jul

Impact 3 ·

5 Jul

Impact 4 ·

30 Jun

Impact 4 · · paymentsdive.com

29 Jun

Impact 4 ·
Impact 4 ·

17 Jun

Impact 4 ·

3 Jun

Impact 3 ·

1 Jun

Impact 4 · · Business Wire

27 May

Impact 3 · · GlobeNewswire

19 May

Impact 4 · · GlobeNewswire

11 May

Impact 4 · · GlobeNewswire

4 May

Impact 4 · · Moby
stockrow.com/RPAY · Data as of Oct 26, 2026 · For information only; not investment advice. · © 2026 stockrow.com