Repay (NASDAQ:RPAY) Announces Quarterly Earnings Results, Beats Estimates By $0.01 EPS

Key Points

• Repay beat quarterly estimates: EPS was $0.25 versus $0.24 expected, while revenue of $153.4 million topped the $152.0 million consensus.
• Business payments and KUBRA showed strength: Business payments revenue increased 99% year over year (40% excluding political media), and Repay raised its expected 2026 annualized cost synergies from $8 million to $11 million.
• Core growth remains a challenge: Repay lowered its 2026 normalized organic growth outlook to 5%–6% and cut its free-cash-flow target, while maintaining full-year revenue guidance of $490 million–$500 million and Adjusted EBITDA guidance of $168.5 million–$176 million.

Repay (NASDAQ:RPAY - Get Free Report) issued its earnings results on Monday. The company reported $0.25 earnings per share (EPS) for the quarter, topping the consensus estimate of $0.24 by $0.01, FiscalAI reports. The business had revenue of $153.40 million for the quarter, compared to analyst estimates of $151.97 million. Repay had a negative net margin of 49.57% and a positive return on equity of 11.03%.

Here are the key takeaways from Repay's conference call:

• Business payments and political media were major growth drivers. Business payments revenue rose 99% year over year, or 40% excluding political media; Repay raised its 2026 political media revenue forecast to $16 million–$18 million after reaching the high end of its prior range early.
• KUBRA is growing and integration synergies are ahead of plan. KUBRA revenue increased about 8% on a pro forma basis, and Repay raised its expected annualized cost-synergy run rate exiting 2026 from $8 million to $11 million.
• Core consumer payments underperformed. Organic revenue grew just 0.3%, as new and prior-year sales converted more slowly than expected; Repay expects low-single-digit growth in the fourth quarter and is targeting a return to growth in 2027.
• Underlying growth and cash-flow expectations were trimmed. Repay lowered its 2026 normalized organic growth outlook to 5%–6% from 7%–9% and reduced its free-cash-flow target, citing a bank-channel investment and working-capital timing.
• Full-year revenue and Adjusted EBITDA guidance was reiterated. Repay still expects $490 million–$500 million in revenue and $168.5 million–$176 million in Adjusted EBITDA; pro forma synergized net leverage was about 3.8 times, with a target of below 3 times by year-end 2027.

Repay Stock Up 2.0%

Shares of NASDAQ:RPAY traded up $0.09 during trading on Monday, reaching $4.49. 445,319 shares of the stock were exchanged, compared to its average volume of 927,952. The company has a debt-to-equity ratio of 1.60, a current ratio of 1.45 and a quick ratio of 1.43. Repay has a 1-year low of $2.30 and a 1-year high of $4.80. The stock has a fifty day moving average of $3.98 and a two-hundred day moving average of $3.59. The firm has a market cap of $427.21 million, a price-to-earnings ratio of -2.20 and a beta of 1.92.

Wall Street Analyst Weigh In

Several equities analysts have recently weighed in on RPAY shares. Weiss Ratings upgraded shares of Repay from a "sell (e+)" rating to a "sell (d-)" rating in a report on Thursday, August 20th. DA Davidson reissued a "buy" rating and set a $6.00 price objective on shares of Repay in a research report on Wednesday, July 15th. Finally, Canaccord Genuity Group restated a "buy" rating and issued a $8.00 target price on shares of Repay in a research note on Friday, October 16th. Three equities research analysts have rated the stock with a Buy rating, three have assigned a Hold rating and one has given a Sell rating to the company. According to MarketBeat, Repay currently has a consensus rating of "Hold" and a consensus price target of $5.25.

Insider Activity

In related news, General Counsel Tyler Dempsey sold 25,000 shares of Repay stock in a transaction on Wednesday, November 4th. The shares were sold at an average price of $4.75, for a total value of $118,750.00. Following the completion of the sale, the general counsel owned 416,251 shares of the company's stock, valued at approximately $1,977,192.25. This trade represents a 5.67% decrease in their position. The transaction was disclosed in a document filed with the SEC, which can be accessed through the SEC website. In the last quarter, insiders sold 75,000 shares of company stock valued at $316,530. 12.00% of the stock is owned by company insiders.

Repay Company Profile

Repay Holdings Corporation, operating under the REPAY brand, is a payments technology company that provides integrated payment processing and accounts receivable solutions to businesses and organizations in specialized industries. Its platform is designed to help clients accept, manage and reconcile electronic payments through a range of digital and automated tools.

REPAY's services include credit and debit card processing, ACH payments, electronic funds transfers, recurring payments, online and mobile payment acceptance, payment disbursements, invoicing and accounts receivable management.

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