REPAY partners with NxtEdge by DiningEdge to deliver embedded AP payments for hospitality and food & beverage operators. Partnership targets hospitality and F&B sectors with embedded payments solutions.
| Nov 25 | Feb 26 | May 26 | Aug 26 | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Buy | — | — | — | — | — | 1 | 2 | — | — | — | — | — |
| Sell | — | 1 | — | — | — | — | — | — | — | — | — | — |
| total | individual payouts | |
|---|---|---|
| 2025 | ‡‡‡ |
|
| 2024 | ‡‡‡ |
|
| 2023 | ‡‡‡ |
|
| 2022 | ‡‡‡ |
|
| 2021 | ‡‡‡ |
|
| 2020 | ‡‡‡ |
|
| 2019 | ‡‡‡ |
|
| 2023 | 2024 | 2025 | Q'26 | |
|---|---|---|---|---|
| Cash | 129.42 | 225.18 | 145.02 | 119.33 |
| Receivables | 36.02 | 32.95 | 33.17 | 63.91 |
| Inventory | — | — | — | 2.31 |
| Other | — | — | — | — |
| 180.65 | 275.25 | 196.83 | 212.98 |
| 2023 | 2024 | 2025 | Q'26 | |
|---|---|---|---|---|
| Payables | 22.03 | 28.91 | 25.18 | 44.10 |
| ST’ Debt | — | — | 146.48 | 5.00 |
| Other | 0.32 | 0.27 | 0.79 | 11.31 |
| 57.46 | 102.25 | 240.65 | 146.90 |
| 10y | 5y | 3y | |
| Sales | — | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Cash Flow | — | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Earnings | — | ‡‡‡ | ‡‡‡ |
| Book Value | — | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 80.79 | 100.71 | — | — |
—
|
| ’25 | 77.33 | 75.63 | 77.73 | 78.59 |
309.26
|
| ’24 | 80.72 | 74.91 | 79.15 | 78.27 |
313.04
|
| ’23 | 74.54 | 71.78 | 74.32 | 75.99 |
296.63
|
| ’22 | 67.56 | 67.44 | 71.56 | 72.67 |
279.23
|
| ’21 | 47.52 | 48.41 | 61.13 | 62.20 |
219.26
|
| ’20 | 39.46 | 36.50 | 37.63 | 41.44 |
155.04
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 16.82 | 40.24 | — | — |
—
|
| ’25 | 2.50 | 33.07 | 32.23 | 23.32 |
91.11
|
| ’24 | 24.80 | 30.98 | 60.06 | 34.25 |
150.09
|
| ’23 | 20.83 | 19.95 | 27.97 | 34.86 |
103.61
|
| ’22 | 13.75 | 13.31 | 25.33 | 21.83 |
74.22
|
| ’21 | 4.77 | 12.10 | 14.62 | 21.85 |
53.33
|
| ’20 | 8.57 | 0.85 | (2.71) | 21.78 |
28.49
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | (17.13) | 27.37 | — | — |
—
|
| ’25 | (8.03) | 22.60 | 20.78 | 13.78 |
49.13
|
| ’24 | 13.67 | 19.29 | 48.82 | 23.46 |
105.24
|
| ’23 | (6.10) | (13.63) | 13.94 | 8.24 |
39.25
|
| ’22 | 6.19 | 4.22 | (13.11) | 11.15 |
34.68
|
| ’21 | (0.45) | 6.59 | 8.51 | (5.47) |
9.18
|
| ’20 | 5.80 | (4.12) | (6.63) | 9.17 |
4.21
|
| 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 | (0.08) |
0.12
|
| ’21 | (0.21) | (0.15) | (0.07) | (0.18) |
(0.60)
|
| ’20 | (0.09) | (0.30) | (0.16) | (0.13) |
(0.67)
|
| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| — | — | ‡‡‡ | ‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 4.37 | 5.61 | 7.04 | 2.98 | — | — | — |
Low Price
|
| — | — | ‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 19.71 | 10.43 | 11.27 | 7.86 | — | — | — |
High Price
|
| — | ‡‡‡ | ‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 579 | 512 | 465 | 486 | — | — | — |
Employees
|
| — | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 0.48 | 0.58 | 0.67 | 0.64 | — | — | — |
Revenue/Emp
|
| — | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 279.23 | 296.63 | 313.04 | 309.26 | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
Revenue
|
| — | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 76.78% | 76.50% | 77.12% | 75.02% | — | — | — |
Gross Margin
|
| — | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 14.92 | (119.53) | (10.92) | (276.96) | — | — | — |
EBT
|
| — | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 5.34% | (40.30%) | (3.49%) | (89.55%) | ‡‡‡ | ‡‡‡ | ‡‡‡ |
EBT Margin
|
| — | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 8.74 | (117.42) | (10.34) | (271.09) | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
Net Income
|
| — | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 110.59 | 106.70 | 106.74 | 105.16 | — | — | — |
Depreciation
|
| — | ‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 3.14 | 3.29 | 3.48 | 3.61 | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
Revenue/Sh
|
| — | ‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡ | 0.14 | (1.23) | (0.11) | (3.00) | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
Earnings/Sh
|
| — | ‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 0.84 | 1.15 | 1.67 | 1.06 | — | — | — |
Cash Flow/Sh
|
| — | ‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (0.45) | (0.71) | (0.50) | (0.49) | ‡‡‡ | ‡‡‡ | ‡‡‡ |
Capex/Sh
|
| — | ‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 0.39 | 0.44 | 1.17 | 0.57 | — | — | — |
Free CF/Sh
|
| — | ‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 10.45 | 9.23 | 8.60 | 5.63 | ‡‡‡‡ | — | — |
Book Value/Sh
|
| — | — | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 88.79 | 90.05 | 89.92 | 85.56 | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
Shares
|
| — | ‡‡‡ | ‡‡‡ | ‡‡‡ | ‡‡‡ | ‡‡‡ | 57.29 | 0.00 | 0.00 | 0.00 | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
PE Ratio
|
| — | ‡‡‡ | ‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 2.55 | 2.56 | 2.19 | 1.01 | ‡‡‡ | ‡‡‡ | ‡‡‡ |
PS Ratio
|
| — | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 0.77 | 0.91 | 0.89 | 0.65 | ‡‡‡ | ‡‡‡ | ‡‡‡ |
PB Ratio
|
| — | ‡‡‡ | ‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 3.94 | 3.60 | 3.07 | 1.92 | ‡‡‡‡ | ‡‡‡ | ‡‡‡‡ |
EV/Sales
|
| — | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 130.25 | (3,579.72) | 18.40 | (487.93) | — | — | — |
EV/FCF
|
| — | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 74.22 | 103.61 | 150.09 | 91.11 | ‡‡‡ | ‡‡‡ | ‡‡‡ |
Op' Cash Flow
|
| — | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (39.54) | (64.36) | (44.85) | (41.98) | ‡‡‡‡‡ | — | — |
Capex
|
| — | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 34.68 | 39.25 | 105.24 | 49.13 | ‡‡‡‡‡ | — | — |
FCF
|
| — | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 34.55 | 123.18 | 173.00 | (43.82) | — | — | — |
Working Cap'
|
| — | ‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 453.32 | 434.17 | 496.78 | 426.54 | — | — | — |
Total Debt
|
| — | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 388.42 | 304.75 | 271.59 | 281.52 | — | — | — |
Net Debt
|
| — | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 928.29 | 830.79 | 773.17 | 481.78 | — | — | — |
Sh' Equity
|
| — | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 0.77% | (7.02%) | (0.66%) | (18.52%) | — | — | — |
ROA
|
| — | ‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (2.24%) | (6.13%) | (0.46%) | (20.86%) | — | — | — |
ROIC
|
| — | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 1.39% | (12.56%) | (1.27%) | (40.91%) | — | — | — |
ROE
|
Repay Holdings Corporation (RPAY), a fintech leader in integrated payments for verticals like auto finance and healthcare, has delivered explosive revenue growth—tripling from $94 million in 2017 to $313 million in 2024 at over 20% CAGR—amid the digital payments boom, yet struggled with profitability due to acquisition debt and integration costs. Now trading near multi-year lows in early 2026, the stock reflects a post-2021 fintech crash, but recent C-suite insider buys totaling $1.8 million signal strong conviction, while analyst targets point to 32-296% upside from current levels.
Despite volatile earnings—with losses persisting into 2026 before a slim breakeven in 2027—RPAY boasts impressive operational efficiency: gross margins at 77%, revenue per employee tripling, and free cash flow surging 169% to $105 million in 2024, offering deleveraging potential amid stabilizing rates. Debt stands high at $497 million, but valuations are deeply compressed (PS 2.2x, EV/S 3.1x vs. historical peaks), decoupling from 217% revenue gains since 2019 and trading at a discount to peers.
In a macro backdrop of Fed rate cuts and consumer spending recovery, RPAY’s path to positive EPS by 2027, coupled with FCF resilience and insider accumulation, positions it for a speculative rebound—echoing historical fintech turnarounds. Risks from ongoing losses remain, but the setup merits attention for portfolios eyeing undervalued growth in embedded finance.
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