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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. In the quarter to June 2026, revenue grew 33.2%, EPS grew 88.7%, free cash flow grew 21.1% and total debt rose 51.3%, each against the same quarter a year earlier. Insiders bought in the last twelve months.

4.02 0.17 −4.06%
Market cap
$369.5M
P/E
0.0×
Fwd P/E
−5.7×
Dividend yield
—
F-score
5/9
Altman Z
−0.91
Beneish M
−3.91
Dividend safety
n/a
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 6.65
Total sells 0.21
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — — 1 2 — — — — — —
Sell 1 — — — — — — — — — 1 1
Insider Ownership 23.32%

Capital & Financial Ratios $m

Market Cap 369.50
Revenue 337.81
Net Income (176.45)
Free Cash Flow 31.26
Net Debt 634.84
Current Ratio 1.45
Debt/Equity 1.61
P/E ratio 0.00
Fwd P/E (5.69) (negative: loss-making)
P/S ratio 0.99
P/B ratio 0.71
Past 5Y EPS Growth —
This Y EPS Growth 8.67%
Next Y EPS Growth 11.48%
Next Y revenue growth 59.12% (at or above 10%: strong)
Next 5Y EPS Growth 20.33% (at or above 15%: strong)

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

EV/Sales, ten years
EV/Sales is 2.9×, 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 13.57%
10-year low 10-year high
P/B against its own 10 years 22.94%
10-year low 10-year high
EV/Sales against its own 10 years 24.90%
10-year low 10-year high
EV/FCF against its own 10 years 34.12%
10-year low 10-year high

Dividends

Payout Ratio —
Annual Dividend Rate —
Annual Dividend Yield —
total individual payouts
2025 Powerpack
2024 Powerpack
2023 Powerpack
2022 Powerpack
2021 Powerpack
2020 Powerpack
2019 Powerpack
predictions special payouts not included in total or ratios

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%)

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.

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) (2.25)
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

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low — — 9.60 9.83 10.69 15.57 4.37 5.61 7.04 2.98

Analyst estimates 2026–2028

Powerpack
High — — 9.90 15.81 28.42 27.66 19.71 10.43 11.27 7.86
People
People Employees — 5 4 243 354 552 579 512 465 486
Revenue/emp, $m — 18.79 32.50 0.43 0.44 0.40 0.48 0.58 0.67 0.64
Income, $m
Income, $m Revenue — 94 130 105 155 219 279 297 313 309
Gross margin, % — 38.69 42.32 75.27 73.27 74.69 76.78 76.50 77.12 75.02
EBT — 9 11 (76) (130) (87) 15 (120) (11) (277)
EBT margin, % — 10.06 8.10 (72.23) (83.67) (39.56) 5.34 (40.30) (3.49) (89.55)
Net income — 9 11 (71) (117) (56) 9 (117) (10) (271)
Depreciation — 8 11 31 62 92 111 107 107 105
Per share, $
Per share, $ Revenue — 0.00 4.03 2.93 2.97 2.63 3.14 3.29 3.48 3.61
Earnings — 0.00 (0.14) (1.22) (2.25) (0.60) 0.14 (1.23) (0.11) (3.00)
Cash flow — 0.00 0.75 0.60 0.55 0.64 0.84 1.15 1.67 1.06
Capex — 0.00 (0.18) (0.22) (0.47) (0.53) (0.45) (0.71) (0.50) (0.49)
Free cash flow — 0.00 0.57 0.37 0.08 0.11 0.39 0.44 1.17 0.57
Book value — 0.00 3.38 11.75 10.66 10.96 10.45 9.23 8.60 5.63
Shares, m — — 32 36 52 83 89 90 90 86
Valuation, ×
Valuation, × P/E — 0.00 0.00 0.00 0.00 0.00 57.29 0.00 0.00 0.00
P/S — 0.00 0.00 5.00 9.17 6.94 2.55 2.56 2.19 1.01
P/B — 12.73 13.06 1.25 2.56 1.67 0.77 0.91 0.89 0.65
EV/Sales — 0.00 0.00 6.81 10.24 8.77 3.94 3.60 3.07 1.92
EV/FCF — (7,438.46) 7.96 53.29 57.74 209.42 130.25 (3,579.72) 18.40 (487.93)
Cash, $m
Cash, $m Operating cash flow — 21 24 21 28 53 74 104 150 91
Capex — (3) (6) (8) (24) (44) (40) (64) (45) (42)
Free cash flow — 18 18 13 4 9 35 39 105 49
Balance, $m
Balance, $m Working capital — 0 (1) (8) 54 3 35 123 173 (44)
Total debt — 0 94 213 257 450 453 434 497 427
Net debt — 0 81 189 166 400 388 305 272 282
Shareholders’ equity — 0 109 420 556 913 928 831 773 482
Returns, %
Returns, % ROA — 8.63 9.61 (11.05) (11.16) (3.58) 0.77 (7.02) (0.66) (18.52)
ROIC — 0.00 5.46 (4.95) (2.77) (2.57) (2.24) (6.13) (0.46) (20.86)
ROE — 7.45 8.31 (16.43) (21.64) (6.82) 1.39 (12.56) (1.27) (40.91)
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

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
OWLS OBOOK Holdings Inc. $415.2M — — — — −18.94% (below 0%: shrinking) — — Compare
CINT CI&T Inc. $387.8M 10.4× 11.6× +21.88% (above 0%: growing) −28.57% (below 0%: shrinking) −1,767.69% (below 0%: shrinking) 31.09% 8.45% Compare
LSAK Lesaka Technologies, Inc. $381.8M 125× 19.0× +11.79% (above 0%: growing) n/m +167.38% (above 0%: growing) 33.21% 3.22% Compare
RPAY Repay Holdings Corporation $369.5M — (loss-making) — (loss-making) +33.16% (above 0%: growing) n/m +21.11% (above 0%: growing) 70.13% (3.23%)
QIWI QIWI PLC $355.6M 9.1× 3.3× −360.74% (below 0%: shrinking) n/m −94.56% (below 0%: shrinking) 51.39% 24.46% Compare
NUAI New Era Energy & Digital, Inc. $354.9M — (loss-making) — −82.54% (below 0%: shrinking) n/m −399.88% (below 0%: shrinking) 100.00% (46,250.68%) Compare
AIOT PowerFleet, Inc. $334.2M — (loss-making) 53.6× +6.41% (above 0%: growing) n/m +92.55% (above 0%: growing) 55.20% 0.24% Compare
SUPX SuperX AI Technology Limited $325.4M — — — — −135,337.38% (below 0%: shrinking) — — Compare
IMXI INTERNATIONAL MONEY EXPRESS, INC. $319.6M 16.4× 29.3× −18.60% (below 0%: shrinking) −62.16% (below 0%: shrinking) +203.48% (above 0%: growing) 20.76% 6.67% Compare
Median of peers $355.2M 13.4× 19.0× −6.09% — −56.75% 42.30% 4.94%

All 173 Software Infrastructure stocks →

Repay Holdings Corporation (RPAY) key facts

  • Concern: Repay Holdings Corporation’s revenue for fiscal 2025 (year ended December 2025) was $309.3 million, down 1.21% from fiscal 2024.
  • Repay Holdings Corporation (RPAY) is a Software Infrastructure company in the Technology sector, listed on Nasdaq.
  • As of October 16, 2026, RPAY traded at $4.02, a market capitalization of $369.5 million.
  • Return on equity was −40.9% and debt-to-equity 1.61.
  • Its Piotroski F-score is 5 out of 9 and its Altman Z-score is −0.91 (distress zone) for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

Repay Holdings Corporation (RPAY) Latest News

22 Apr

Impact 5 ·

17 Apr

Impact 5 ·
Impact 5 ·
stockrow.com/RPAY · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com