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Home CompaniesRepay Holdings Corp

Repay Holdings Corp

Technology Software - Infrastructure
PortfolioPortfolio WatchlistWatchlist
Company price
4.455 USD -0.10 ( 2.30%)
Last update at 2026-11-06T17:56:00Z
VOLUME
218878
Market Cap
956.85M

Momentum Score

…

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.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
4.40
Low
4.56
High
52 Week Price Range
5.63
Low
11.22
High

Momentum Score

…
Loading momentum score…

A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Repay Holdings Corp (RPAY.US) operates a payments-as-a-service platform that processes electronic payments and provides integrated billing and payments technology for vertical markets such as healthcare, utilities, education and financial services across online, mobile and point-of-sale channels. Long-term growth may be supported by continued migration to digital payments, expansion of recurring billing and vertical-specific integrations, and partnership distribution that could support scalable revenue and margin improvement appealing to investors.
Material risks include intense competition and pricing pressure in payments, regulatory and compliance requirements, client concentration and transaction-volume cyclicality, and technology or security failures that could disrupt processing or increase costs.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
4.56
Dividend Yield
-
Revenue TTM
302.81M
Revenue Per Share
3.34
Gross Profit TTM
214.40M
Debt / Equity
0.54
ROE
-10.95%
Net Debt
324.95M
ROCE
1.63%
Diluted EPS TTM
-1.00

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Income before tax 14.91M -86.73M -58.90M 10.54M 1.52M
Minority interest -4.09M -5.95M -11.77M 206.16M 206.16M
Net income 8.74M -56.04M -46.54M 10.54M 1.52M
Selling general administrative 149.06M 120.05M 0.09M 96.96M 1.15M
Selling and marketing expenses - - 87.21M - -
Gross profit 214.40M 163.77M 113.59M 130.01M -1.15M
Reconciled depreciation 107.75M 89.69M 60.81M - -
Ebit 24.08M -69.08M -37.03M 16.61M -1.15M
Ebitda 131.83M 20.61M 23.78M 27.03M -1.27M
Depreciation and amortization 107.75M 89.69M 60.81M 10.42M -0.12M
Non operating income net other 66.49M -29.05M -12.44M - -
Operating income 24.08M -69.08M -37.03M 16.61M -1.15M
Other operating expenses 321.64M 265.23M 189.56M 113.40M 1.15M
Interest expense 4.38M 3.68M 14.45M 6.07M 2.67M
Tax provision 6.17M -30.69M -12.36M -4.99M -
Interest income - - 14.45M 9.07M 2.56M
Net interest income -4.38M -3.68M -14.45M - 2.56M
Non recurring 8.09M 2.18M - - -
Income tax expense 6.17M -30.69M -12.36M -4.99M -2.67M
Total revenue 279.23M 219.26M 155.04M 130.01M 0.00M
Total operating expenses 256.81M 209.75M 148.11M 113.40M 1.15M
Cost of revenue 64.83M 55.48M 41.45M 25.87M 1.15M
Total other income expense net -9.16M -17.65M -21.87M -6.07M 0.12M
Net income from continuing ops 8.74M -56.04M -46.54M -55.30M 1.52M
Net income applicable to common shares 12.84M -50.08M -34.77M -16.29M 10.54M
Breakdown 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Type yearly yearly yearly yearly yearly
Date 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31
Total assets 1533.05M 1626.80M 1685.84M 1109.98M 782.04M
Intangible assets 447.14M 500.57M 577.69M 369.23M 333.05M
Other current assets 13.81M 18.21M 12.43M 6.92M 4.63M
Total liab 702.26M 698.51M 772.80M 553.80M 321.53M
Total stockholder equity 815.13M 894.56M 874.00M 509.31M 254.35M
Other current liab 33.80M 58.06M 26.06M 10.24M 6.34M
Common stock 0.01M 0.01M 0.01M 0.01M 0.00M
Capital stock 0.01M 0.01M 0.01M 0.01M 0.00M
Retained earnings -323.67M -213.18M -226.02M -88.65M -53.88M
Other liab - 156.79M 222.88M 229.57M 61.62M
Good will 716.79M 827.81M 824.08M 458.97M 389.66M
Other assets - 167.54M 1685.84M 22.23M 21.21M
Cash 118.10M 64.89M 50.05M 91.13M 24.62M
Total current liabilities 57.46M 82.11M 92.35M 65.44M 51.71M
Current deferred revenue - - 44.21M 35.03M 30.54M
Net debt 324.95M 396.98M 409.52M 175.95M 188.82M
Short term debt 1.63M 2.26M 1.99M 8.29M 5.25M
Short long term debt - - - 6.76M 5.50M
Short long term debt total 443.04M 461.88M 459.57M 267.08M 213.44M
Other stockholder equity 1138.80M 1107.74M 1100.01M 604.39M 307.91M
Property plant equipment - 4.38M 3.80M 1.63M 1.61M
Total current assets 169.32M 116.65M 95.71M 119.37M 43.88M
Net tangible assets - -433.83M -527.77M 26.44M -468.36M
Net receivables 37.42M 33.54M 33.24M 21.31M 14.63M
Long term debt 434.17M 451.32M 448.48M 249.95M 207.94M
Inventory 0.00M - -0.00M - -
Accounts payable 22.03M 21.78M 20.08M 11.88M 9.59M
Noncontrolling interest in consolidated entity - 33.73M 39.03M 46.87M -
Accumulated other comprehensive income -0.00M -0.00M -0.00M -6.44M 0.31M
Common stock total equity - 0.01M 0.01M 0.01M 0.00M
Retained earnings total equity - -213.18M -226.02M -88.65M -
Treasury stock - -10.00M - - -
Non currrent assets other 2.50M 31.17M 28.79M 15.38M 13.84M
Non current assets total 1363.73M 1510.15M 1590.13M 990.61M 738.16M
Capital lease obligations 8.88M 10.56M 11.08M 10.36M -
Long term debt total - 451.32M - - 207.94M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Investments -39.54M -2.50M -145.98M -2.50M -260.58M
Change to liabilities 6.14M -0.73M 1.35M 3.95M 1.50M
Total cashflows from investing activities -39.54M -397.34M -145.98M -339.13M -5.80M
Net borrowings - 183.29M 41.85M 123.19M -1.90M
Total cash from financing activities -17.46M 313.84M 186.10M 350.69M 261.62M
Change to operating activities -1.21M -8.61M 2.71M 26.14M 3.13M
Net income 8.74M -56.04M -46.54M 9.45M 1.52M
Change in cash 17.22M -30.16M 68.60M 32.85M 0.08M
Begin period cash flow 76.34M 106.50M 37.90M 0.11M 0.03M
End period cash flow 93.56M 76.34M 106.50M 32.96M 0.11M
Total cash from operating activities 74.22M 53.33M 28.49M 21.29M -0.96M
Issuance of capital stock 0.00M 142.10M 509.90M - 253.50M
Depreciation 107.75M 89.69M 60.81M 29.98M 10.42M
Other cashflows from investing activities -36.37M -391.97M -144.99M -331.21M -260.58M
Dividends paid 0.95M 0.06M 1.50M 7.09M 6.31M
Change to inventory - - 11.53M - -
Change to account receivables 0.70M -6.52M -2.89M 1638.46M -1.53M
Sale purchase of stock -12.66M -4.04M -1.41M 240.66M 262.33M
Other cashflows from financing activities -3.85M 438.50M -304.18M 90979.62M 8.40M
Change to netincome 32.78M 9.04M 7.09M 19.57M -0.29M
Capital expenditures 39.54M 23.51M 24.27M 498.51M 0.91M
Change receivables 0.70M -6.52M -2.33M - -
Cash flows other operating -84.72M 15.34M 6.69M - -
Cash and cash equivalents changes 17.22M -30.16M 68.60M - -
Change in working capital 1.18M -10.35M -0.14M -8.00M 0.19M
Stock based compensation 20.25M 22.31M 19.45M 0.62M -
Other non cash items -1.03M 24.34M -5.16M -5.78M -2.67M
Free cash flow 34.68M 29.82M 4.21M -477.23M -0.96M

Peer Comparison*

Sector: Technology Industry: Software - Infrastructure

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
Enterprise Value
to EBITDA (x)
RPAY
Repay Holdings Corp		 -0.10
2.30%		 4.46 - 10.06 3.34 1.14 4.23 16.03
MSFT
Microsoft Corporation		 -6.17
1.15%		 529.76 37.32 29.94 13.03 12.45 13.06 24.59
ORCL
Oracle Corporation		 1.82
1.58%		 116.98 21.96 17.89 5.91 7.08 7.82 14.89
CRWD
Crowdstrike Holdings Inc		 5.25
2.42%		 222.45 4849.80 188.68 46.01 47.24 43.89 559.34
FTNT
Fortinet Inc		 -0.33
0.27%		 122.18 60.27 43.86 16.80 80.50 16.11 43.33

Profile*

Repay Holdings Corp

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.

3 West Paces Ferry Road, Atlanta, GA, United States, 30305

877 607 5468

https://www.repay.com

512

Name Title Year Born
Mr. John Andrew Morris Sr., CPA CEO, Co-Founder & Director 1969
Mr. Shaler V. Alias CPP Pres, Co-Founder & Director 1980
Mr. Timothy John Murphy Chief Financial Officer 1982
Mr. Tyler B. Dempsey Gen. Counsel & Sec. 1974
Mr. Jacob Hamilton Moore Exec. VP of Corp. Devel. & Strategy 1988
Mr. Michael Frank Jackson Chief Operating Officer 1963
Mr. David M. Guthrie Chief Technology Officer 1967
Ms. Naomi Barnett Exec. VP of HR 1991
Ms. Susan Perlmutter Chief Revenue Officer 1964
Mr. Darin Horrocks Exec. VP of Bus. Payments NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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