Repay (RPAY) Stock Price, News & Analysis

Company Overview

Repay Holdings Corporation, doing business as REPAY, is a financial technology company that provides integrated payment processing and related technology. Its platform enables businesses and consumers to make and receive payments through credit and debit cards, automated clearing house (ACH) transactions, electronic checks and other digital payment methods.

REPAY serves specialized markets including consumer finance, automotive, healthcare, education, government, utilities and communications. Its solutions are designed to support recurring and one-time payments, account-to-account transfers, digital wallets, payment acceptance, transaction reporting, reconciliation and fraud management. The company integrates its payment capabilities with customers’ existing software and operational systems.

Founded in 2006, REPAY primarily serves customers in the United States. The company became publicly traded in 2019 through a business combination with Thunder Bridge Acquisition Corporation. Its technology is used by businesses and financial institutions seeking to automate payment collection and disbursement processes across multiple channels.

Key Stats

• Today's Range: $3.63 to $3.86
• 50-Day Range: $3.51 to $4.16
• 52-Week Range: $2.30 to $5.80
• Volume: 151,114 shs
• Average Volume: 1.04 million shs
• Market Capitalization: $364.98 million
• P/E Ratio: N/A
• Dividend Yield: N/A
• Price Target: $5.25
• Consensus Rating: Hold

Repay Stock Analysis - MarketRank™

Repay scored higher than 75% of companies evaluated by MarketBeat, and ranked 352nd out of 851 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 3.7 / 5
• Analyst Rating: Hold

Consensus Rating

Repay has received a consensus rating of Hold. The company's average rating score is 2.29, and is based on no strong buy ratings, 3 buy ratings, 3 hold ratings, and 1 sell rating.

Upside Potential

Repay has a consensus price target of $5.25, representing about 42.1% upside from its current price of $3.70.

Amount of Analyst Coverage

Repay has only been the subject of 3 research reports in the past 90 days.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 19.32%

Earnings Growth

Earnings for Repay are expected to grow by 19.32% in the coming year, from $0.88 to $1.05 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Repay is -1.81, which means that its earnings are negative and its P/E ratio cannot be compared to companies with positive earnings.

Price to Earnings Ratio vs. Sector

The P/E ratio of Repay is -1.81, which means that its earnings are negative and its P/E ratio cannot be compared to companies with positive earnings.

Price to Book Value per Share Ratio

Repay has a P/B Ratio of 0.63. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

4.66% of the float of Repay has been sold short.

Short Interest Ratio / Days to Cover

Repay has a short interest ratio ("days to cover") of 10.59, which indicates bearish sentiment.

Change versus previous month

Short interest in Repay has recently decreased by 1.62%, indicating that investor sentiment is improving.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

Repay does not currently pay a dividend.

Dividend Growth

Repay does not have a long track record of dividend growth.

News and Social Media

• Score: 2.8 / 5
• News Sentiment: 1.51

News Sentiment

Repay has a news sentiment score of 1.51. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.87 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 2 news articles for Repay this week, compared to 3 articles on an average week.

Company Ownership

• Score: 1.1 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Repay insiders have not sold or bought any company stock.

Percentage Held by Insiders

12.00% of the stock of Repay is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

82.73% of the stock of Repay is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

Company Calendar

• Last Earnings: 8/10/2026
• Today: 9/15/2026
• Next Earnings (Estimated): 11/09/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Financial Services
• Sub-Industry: Transaction & Payment Processing Services
• Current Symbol: NASDAQ:RPAY
• CIK: 1720592
• Web: www.repay.com
• Phone: (404) 504-7472
• Fax: N/A
• Employees: 486
• Year Founded: 2006

Price Target and Rating

• Average Price Target for Repay: $5.25
• High Price Target: $8.00
• Low Price Target: $3.50
• Potential Upside/Downside: +36.9%
• Consensus Rating: Hold
• Rating Score (0-4): 2.29
• Research Coverage: 7 Analysts

Profitability

• EPS (Trailing Twelve Months): ($2.04)
• Trailing P/E Ratio: N/A
• Forward P/E Ratio: 4.36
• P/E Growth: N/A
• Net Income: -$256.72 million
• Net Margins: -49.57%
• Pretax Margin: -53.64%
• Return on Equity: 11.03%
• Return on Assets: 4.28%

Debt

• Debt-to-Equity Ratio: 1.60
• Current Ratio: 1.45
• Quick Ratio: 1.43

Sales & Book Value

• Annual Sales: $337.81 million
• Price / Sales: 1.08
• Cash Flow: $2.13 per share
• Price / Cash Flow: 1.80
• Book Value: $5.89 per share
• Price / Book: 0.65

Miscellaneous

• Outstanding Shares: 95,147,000
• Free Float: 83,729,000
• Market Cap: $364.98 million
• Optionable: Optionable
• Beta: 1.83