Repay Holdings Corporation (RPAY) vs Rezolve AI PLC (RZLV)

Repay Holdings Corporation and Rezolve AI PLC are both Software Infrastructure companies. Rezolve AI PLC is the larger, with a market value of $508.6M against $402.1M — 1.3× the size. Rezolve AI PLC has the higher net margin (0.00% vs −49.6%) and the higher return on invested capital (0.00% vs −8.46%). Across the 13 metrics below, Rezolve AI PLC leads on 9 and Repay Holdings Corporation on 4.

Valuation

Metric RPAY RZLV Software Infrastructure median
P/E n/m n/m 24.52
P/S 1.08 n/m 2.78
P/B 0.78 0.02 2.84
Price to free cash flow 11.64 n/m 18.22
EV/EBITDA n/m n/m 13.98
EV/Sales 2.96 n/m 2.92
Earnings yield (46.68%) (34.39%) 0.00%
Free cash flow yield 8.59% (1,491.44%) 0.37%

Profitability

Metric RPAY RZLV Software Infrastructure median
Gross margin 73.49% — 57.91%
Operating margin (44.24%) 0.00% 0.00%
Net margin (49.57%) 0.00% 0.00%
Free cash flow margin 9.25% 0.00% 0.00%
Return on equity (30.21%) 0.00% 0.00%
Return on assets (11.08%) 0.00% 0.00%
Return on invested capital (8.46%) 0.00% 0.00%

Growth

Metric RPAY RZLV Software Infrastructure median
Revenue growth (TTM) 8.84% — 14.42%
EPS growth (last fiscal year) (2,627.27%) 64.14% 17.35%
Revenue growth, 5-year CAGR 14.81% — 16.15%
Net income growth, 5-year CAGR 0.00% 0.00% 0.00%

Health

Metric RPAY RZLV Software Infrastructure median
Debt to equity 1.61 0.52 0.02
Current ratio 1.45 0.49 1.53
Net debt to EBITDA (1.88) (0.55) 0.05

Dividend

Metric RPAY RZLV Software Infrastructure median
Dividend yield — — 1.04%
Payout ratio — — 0.29

Size

Metric RPAY RZLV Software Infrastructure median
Market cap 402.12m 508.58m 606.60m

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