Repay (RPAY) Stock Price, News & Analysis

Company Overview

Repay Holdings Corporation, payments technology company, provides integrated payment processing solutions to industry-oriented markets in the United States. It operates through two segments: Consumer Payments and Business Payments. 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 card processing, automated clearing house (ACH) processing, e-cash, and digital wallet services; virtual credit card processing, enhanced ACH processing, instant funding, clearing and settlement, and communication solutions; and proprietary payment channels that include Web-based, virtual terminal, online client portal, mobile application, text-to-pay, interactive voice response, and point of sale services. It serves customers primarily operating in the personal loans, automotive loans, receivables management, and business-to-business verticals through direct sales representatives and software integration partners. The company was founded in 2006 and is headquartered in Atlanta, Georgia.

Key Stats

• Today's Range: $5.11 to $5.42
• 50-Day Range: $4.12 to $5.39
• 52-Week Range: $3.59 to $10.02
• Volume: 1.11 million shs
• Average Volume: 1.03 million shs
• Market Capitalization: $535.98 million
• P/E Ratio: N/A
• Dividend Yield: N/A
• Price Target: $7.90
• Consensus Rating: Moderate Buy

Repay Stock Analysis - MarketRank™

Repay scored higher than 71% of companies evaluated by MarketBeat, and ranked 102nd out of 315 stocks in the business services sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 3.3 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

Repay has received a consensus rating of Moderate Buy. The company's average rating score is 2.56, and is based on 5 buy ratings, 4 hold ratings, and no sell ratings.

Amount of Analyst Coverage

Repay has only been the subject of 4 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: 6.94%

Earnings Growth

Earnings for Repay are expected to grow by 6.94% in the coming year, from $0.72 to $0.77 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Repay is -35.93, 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 -35.93, 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 0.62. 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

8.31% 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 3.3, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Repay has recently increased by 8.32%, indicating that investor sentiment is decreasing significantly.

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.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

8.31% 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 3.3, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Repay has recently increased by 8.32%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 3.5 / 5
• News Sentiment: 1.31

News Sentiment

Repay has a news sentiment score of 1.31. 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 1.02 average news sentiment score of Business Services companies.

News Coverage This Week

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

Search Interest

2 people have searched for RPAY on MarketBeat in the last 30 days. This is an increase of 100% compared to the previous 30 days.

MarketBeat Follows

1 people have added Repay to their MarketBeat watchlist in the last 30 days.

Company Ownership

• Score: 4.2 / 5
• Insider Trading: Acquiring Shares

Insider Buying vs. Insider Selling

In the past three months, Repay insiders have bought more of their company's stock than they have sold. Specifically, they have bought $1,806,974.00 in company stock and sold $0.00 in 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.

RPAY Stock Analysis - Frequently Asked Questions

How have RPAY shares performed this year?

Repay's stock was trading at $7.63 on January 1st, 2025. Since then, RPAY stock has decreased by 29.4% and is now trading at $5.39.

How were Repay's earnings last quarter?

Repay Holdings Corporation (NASDAQ:RPAY) posted its quarterly earnings data on Monday, May, 12th. The company reported $0.22 EPS for the quarter, missing the consensus estimate of $0.23 by $0.01. The firm's quarterly revenue was down 4.2% compared to the same quarter last year.
Read the conference call transcript.

Is Repay buying back stock?

Repay's Board of Directors initiated a stock buyback program on Monday, May 12th 2025, which allows the company to repurchase $75,000,000 in shares, according to EventVestor. This means that the company could purchase up to 19% of its stock through open market purchases. Stock repurchase programs are generally a sign that the company's management believes its stock is undervalued.

Who are Repay's major shareholders?

Top institutional investors of Repay include Johnson Investment Counsel Inc. (0.12%), CWM LLC (0.11%), Inspire Investing LLC (0.08%) and Wealth Enhancement Advisory Services LLC (0.04%). Insiders that own company stock include Peter J Kight, Timothy John Murphy, Shaler Alias, Tyler B Dempsey, Jacob Hamilton Moore, Thomas Eugene Sullivan, Naomi Barnett, John Andrew Sr Morris and Robert Herman Hartheimer.
View institutional ownership trends.

How do I buy shares of Repay?

Shares of RPAY stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Repay own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Repay investors own include Waste Connections (WCN), AU Optronics (AUOTY), American Water Works (AWK), The RMR Group (RMR), DiamondRock Hospitality (DRH), iShares Micro-Cap ETF (IWC) and Triple Flag Precious Metals (TFPM).

Company Calendar

• Last Earnings: 5/12/2025
• Today: 7/26/2025
• Next Earnings (Estimated): 8/06/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Business Services
• Industry: Financial Transaction Services
• Sub-Industry: Business Services
• Current Symbol: NASDAQ:RPAY
• CIK: 1720592
• Web: www.repay.com
• Phone: (404) 504-7472
• Fax: N/A
• Employees: 580
• Year Founded: N/A

Price Target and Rating

• Average Price Target for Repay: $7.90
• High Price Target: $14.00
• Low Price Target: $4.50
• Potential Upside/Downside: +46.6%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.56
• Research Coverage: 9 Analysts

Profitability

• EPS (Trailing Twelve Months): ($0.15)
• Trailing P/E Ratio: N/A
• Forward P/E Ratio: 7.49
• P/E Growth: N/A
• Net Income: -$10.16 million
• Net Margins: -4.16%
• Pretax Margin: -4.68%
• Return on Equity: 8.49%
• Return on Assets: 4.31%

Debt

• Debt-to-Equity Ratio: 0.65
• Current Ratio: 3.71
• Quick Ratio: 3.71

Sales & Book Value

• Annual Sales: $309.65 million
• Price / Sales: 1.73
• Cash Flow: $2.07 per share
• Price / Cash Flow: 2.60
• Book Value: $8.76 per share
• Price / Book: 0.62

Miscellaneous

• Outstanding Shares: 99,440,000
• Free Float: 87,507,000
• Market Cap: $535.98 million
• Optionable: Optionable
• Beta: 1.59