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RPAYRepay Holdings Corporation
$4.04$356M
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RPAY logoRepay Holdings Corporation(RPAY)Earnings, Financials & Key Ratios

RPAY•NASDAQ
$4.04
Price updated Jul 7, 2026
SectorTechnologyIndustryInfrastructure SoftwareSub-IndustryPayments and fintech infrastructure
AboutRepay Holdings Corporation provides integrated payment processing solutions to industry-oriented markets. The company's payment processing solutions enable consumers and businesses to make payments using electronic payment methods. It also offers a range of solutions relating to electronic payment methods, including credit and debit processing, virtual credit card processing, automated clearing house (ACH) processing, enhanced ACH processing, and instant funding that are processed through its proprietary payment channels, such as Web-based, mobile application, text-to-pay, interactive voice response, and point of sale. In addition, the company provides payment processing solutions to customers primarily operating in the personal loans, automotive loans, receivables management, and business-to-business verticals. It sells its products through direct sales representatives and software integration partners. The company was founded in 2006 and is headquartered in Atlanta, Georgia.Show more
  • Revenue$309M-1.2%
  • EBITDA$90M-6.2%
  • Net Income-$257M-2427.8%
  • EPS (Diluted)-3.00-2627.3%
  • Gross Margin75.02%-2.7%
  • EBITDA Margin29.11%-5.0%
  • Operating Margin-3.89%-56.8%
  • Net Margin-83.01%-2458.7%
  • ROE-40.91%-3130.7%

RPAY Price & Volume

Repay Holdings Corporation (RPAY) stock price & volume — 10-year historical chart

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Persistent Operational Losses Obscure Structural Margin Potential

Investment Thesis • Updated 2026Q1

VerdictNegative
Growth:Decelerating
Profitability:Negative
Financial:Vulnerable
Cash Flow:Mixed
Primary Risk:M&A integration and impairment

Key Thesis Takeaways

  • Repay Holdings Corporation faces significant headwinds as revenue growth stalled with a 1.8% year-over-year decline in 2025Q3, signaling potential market share loss in its core lending vertical.
  • While the company maintains a robust gross margin profile near 75%, the inability to convert this into bottom-line profitability, compounded by a $140.1 million net loss in 2025Q4, suggests a fundamental misalignment between operating costs and revenue scale.
  • Investors should remain cautious regarding the company's $474.5 million goodwill balance, which poses a material risk of future impairment charges that could further erode the already declining total equity position.

Verdict Logic

the company's inability to achieve consistent profitability, evidenced by a net margin of -12.3% in 2026Q1 and a current ratio compression to 1.79, suggests significant operational and liquidity risks.

RPAY Growth Metrics

Repay Holdings Corporation (RPAY) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years-
5 Years14.81%
3 Years3.46%
TTM1%

Profit CAGR

10 Years-
5 Years-
3 Years-
TTM-1906.96%

EPS CAGR

10 Years-
5 Years-
3 Years-
TTM-1997.33%

Return on Capital

10 Years-0.81%
5 Years-3.21%
3 Years-2.98%
Last Year-0.99%

RPAY Recent Earnings

Repay Holdings Corporation (RPAY) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 3/12 qtrs (25%)●Beat Revenue 8/12 qtrs (67%)
Q2 2026Latest
May 4, 2026
Metric
Actual
Est
EPS
$0.22+0.0%
$0.22
Rev
$81M+0.4%
$80M
Q2 2026
Mar 9, 2026
Metric
Actual
Est
EPS
$0.19-13.6%
$0.22
Rev
$79M+2.3%
$77M
Q4 2025
Nov 10, 2025
Metric
Actual
Est
EPS
$0.21-1.3%
$0.21
Rev
$78M+1.0%
$77M
Q3 2025
Aug 11, 2025
Metric
Actual
Est
EPS
$0.20+0.0%
$0.20
Rev
$76M-0.9%
$76M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestMay 4, 2026
$0.22vs $0.22+0.0%
$81Mvs $80M+0.4%
Q2 2026Mar 9, 2026
$0.19vs $0.22-13.6%
$79Mvs $77M+2.3%
Q4 2025Nov 10, 2025
$0.21vs $0.21-1.3%
$78Mvs $77M+1.0%
Q3 2025Aug 11, 2025
$0.20vs $0.20+0.0%
$76Mvs $76M-0.9%
Based on last 12 quarters of dataView full earnings history →

Latest RPAY News

Recent stock market news and headlines for Repay Holdings Corporation (RPAY)

GuruFocus·Jun 29, 2026
REPAY Confirms Receipt of Revised Unsolicited, Non-Binding Proposal from Forager Capital Management

Repay Holdings Corporation (NASDAQ: RPAY) (“REPAY” or the “Company”), a leading provider of integrated payment processing solutions, today confirmed re

Business Wire·Jun 18, 2026
REPAY Completes Successful Proof of Concept for Stablecoin Payments

ATLANTA--(BUSINESS WIRE)--REPAY announces completion of a proof of concept demonstrating stablecoin payment capabilities on its platform.

GuruFocus·Jun 17, 2026
Silver Point Leads $500 Million Term Loan Financing Supporting Acquisition of KUBRA by REPAY

Silver Point Leads $500 Million Term Loan Financing Supporting Acquisition of KUBRA by REPAY PR Newswire GREENWI

PRNewsWire·Jun 17, 2026
Silver Point Leads $500 Million Term Loan Financing Supporting Acquisition of KUBRA by REPAY

GREENWICH, Conn., June 17, 2026 /PRNewswire/ -- Silver Point Capital, a global leader in credit investing, today announced that its Direct Lending business led a $500 million term loan financing in connection with the acquisition by Repay Holdings Corporation (NASDAQ: RPAY) ("REPAY"), a leading provider of integrated payment processing solutions, of Kubra Data Transfer LTD.

Peers Comparison

Key metrics vs top competitors for Repay Holdings Corporation (RPAY)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
RPAY logoRPAYRepay Holdings CorporationCurrent
$4.04$355.87M-1.35-1.21%-83.01%-40.91%—
PRTH logoPRTHPriority Technology Holdings, Inc.
$6.97$574.02M10.258.33%5.85%——
USIO logoUSIOUsio, Inc.
$2.35$64.85M-25.192.97%-2.43%-11.73%—
EVTC logoEVTCEVERTEC, Inc.
$28.60$1.76B13.0010.21%13.95%18.65%—
FOUR logoFOURShift4 Payments, Inc.
$51.20$3.54B47.4125.5%2.29%5.13%—
FLYW logoFLYWFlywire Corporation
$18.55$2.21B168.6426.59%6.65%5.87%—

Compare RPAY vs Peers

Repay Holdings Corporation (RPAY) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs PRTH

Most directly comparable listed peer for RPAY.

Scale Benchmark

vs V

Larger-name benchmark to compare RPAY against a more recognizable public peer.

Peer Set

Compare Top 5

vs PRTH, USIO, EVTC, FOUR

RPAY SEC Filings & Documents

Repay Holdings Corporation (RPAY) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

May 4, 2026·SEC

Material company update

Apr 27, 2026·SEC

Material company update

Apr 14, 2026·SEC

10-K Annual Reports

3
FY 2026

Mar 9, 2026·SEC

FY 2025

Mar 3, 2025·SEC

FY 2024

Feb 29, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

May 4, 2026·SEC

FY 2025

Nov 10, 2025·SEC

FY 2025

Aug 11, 2025·SEC

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RPAY Frequently Asked Questions

Repay Holdings Corporation (RPAY) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
What is Repay Holdings Corporation's revenue?

Repay Holdings Corporation (RPAY) reported $312.7M in revenue for fiscal year 2025. This represents a 280% increase from $82.3M in 2016.

How fast is Repay Holdings Corporation growing?

Repay Holdings Corporation (RPAY) saw revenue decline by 1.2% over the past year.

Is RPAY profitable?

Repay Holdings Corporation (RPAY) reported a net loss of $258.7M for fiscal year 2025.

Dividend & Returns
What is RPAY's return on equity?

Repay Holdings Corporation (RPAY) has a return on equity (ROE) of -40.9%. Negative ROE indicates the company is unprofitable.

What is Repay Holdings Corporation's free cash flow?

Repay Holdings Corporation (RPAY) generated $60.8M in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.

What if you invested $1,000 in RPAY back in 2016?

Total return calculator · dividends reinvested · 10+ years of data

See returns →