Paysafe Limited (PSFE) vs Repay Holdings Corporation (RPAY)

Paysafe Limited and Repay Holdings Corporation are both Software Infrastructure companies. Repay Holdings Corporation is the larger, with a market value of $402.1M against $344.1M — 1.2× the size. Repay Holdings Corporation grew revenue faster over the last twelve months: 8.84% against 5.13%. Paysafe Limited has the higher net margin (−11.8% vs −49.6%) and the higher return on invested capital (0.99% vs −8.46%). Across the 19 metrics below, Paysafe Limited leads on 10 and Repay Holdings Corporation on 9.

Valuation

Metric PSFE RPAY Software Infrastructure median
P/E n/m n/m 24.43
P/S 0.20 1.12 2.81
P/B 0.61 0.81 2.88
Price to free cash flow 2.71 12.10 17.94
EV/EBITDA 5.31 n/m 14.51
EV/Sales 0.93 3.00 2.91
Earnings yield (57.64%) (44.93%) 0.00%
Free cash flow yield 36.92% 8.27% 0.49%

Profitability

Metric PSFE RPAY Software Infrastructure median
Gross margin 56.13% 73.49% 57.45%
Operating margin 1.67% (44.24%) 0.00%
Net margin (11.82%) (49.57%) 0.00%
Free cash flow margin 7.24% 9.25% 0.00%
Return on equity (30.25%) (30.21%) 0.00%
Return on assets (4.39%) (11.08%) 0.00%
Return on invested capital 0.99% (8.46%) 0.00%

Growth

Metric PSFE RPAY Software Infrastructure median
Revenue growth (TTM) 5.13% 8.84% 14.28%
EPS growth (last fiscal year) (972.22%) (2,627.27%) 18.26%
Revenue growth, 5-year CAGR 3.59% 14.81% 16.15%
Net income growth, 5-year CAGR 0.00% 0.00% 0.00%

Health

Metric PSFE RPAY Software Infrastructure median
Debt to equity 4.38 1.61 0.02
Current ratio 1.17 1.45 1.53
Net debt to EBITDA 3.62 (1.88) 0.05

Dividend

Metric PSFE RPAY Software Infrastructure median
Dividend yield — — 1.06%
Payout ratio — — 0.29

Size

Metric PSFE RPAY Software Infrastructure median
Market cap 344.10m 402.12m 661.51m

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