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Repay Holdings Corporation
RPAY
NASDAQ·Technology·Software - Infrastructure·Mkt cap $370.0M
$4.24
▲ +0.95%
View full research view
Our plain-language verdict, the thesis, risk factors, and what is changing about the business.
View research view52-Week Range
$2.30 - $6.06
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Down 13.5% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
5 reasons
- Proprietary multi-channel payment platform (web, mobile, text-to-pay, IVR, POS)
- Vertical-specific expertise in high-margin industries with recurring revenue
- Integrated payment processing reduces customer switching costs
- Direct sales and partner distribution network creates market moat
- Instant funding capabilities differentiate from traditional processors
Bear Case
1 risk
- Above-average volatility (beta 1.9).
Growth
Turning profitable
Expansion in high-growth lending and receivables management verticals
Value
Deep value opportunity - significant discount to Cybersecurity Software peers
Momentum
Hot
+64.3% over 3m
Quality
Excellent
Solid business
Dividend
None
No dividend
Smart-money signal
Who's buying RPAY right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Latest print - beat on both lines
AI-summarized recap of last quarter, plus the surprise on every print.
Next: May 11, 2026
MAY 4, 2026
Reported EPS of $0.22 vs $0.22 consensus (0.0% surprise). Revenue of $80.8M vs $80.5M expected (+0.4%). Beat on both top and bottom lines.
EPS surprise · last 4Q
1 of 1 beats
Q2 26
0.0%
Next: May 11, 2026
Revenue trend · last 8Q
—
—
+3%
-4%
+1%
-2%
+0%
+4%
Q2 24
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
$74.9M
$79.1M
$78.3M
$77.3M
$75.6M
$77.7M
$78.6M
$80.8M
Margins · last 8Q
Gross
—
Operating
—
Profit
-12.3%
Wall Street consensus
6 analysts · 50% Buy
Live ratings and price targets aggregated across covering analysts.
Buy
50%
Hold
50%
Sell
0%
Median Price Target
$4.00
▼ -5.7% vs $4.24
Latest: UBS · $4.25 · Jun 3, 2026
3 analysts covering