Repay Holdings (RPAY) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Repay Holdings

NasdaqCM•Technology•Software - Infrastructure

$3.880.00(0.00%)Market closed

Market Cap

$328.98B

P/S

973.9x

P/B

701.1x

Repay Holdings Corporation, a payments technology company, provides integrated payment processing solutions that enables consumers and businesses to make payments using electronic payment methods in the United States. It operates through two segments: Consumer Payments and Business Payments. The company offers payment acceptance solutions, such as debit and credit 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, 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. Repay Holdings Corporation was founded in 2006 and is headquartered in Atlanta, Georgia.

How this company scores

WeakMetricSide Score: 30/100

Grade capped at D — Interest coverage below 1× (-4.7x) — earnings cannot cover interest. Strongest: Growth (13/25); weakest: Profitability (2/25).

Profitability2/25

Growth13/25

Balance Sheet & Red Flags5/25

Cash & Earnings Quality10/25

Strengths

Consistent free cash flowNo share dilution

Grade capped at D

Interest coverage below 1× (-4.7x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 55685.5x5y range 172.1x – 55685.5x

P/S · 973.9x5y range 2.4x – 3247.4x

Currently below its 20-quarter median.

P/B · 701.1x5y range 0.7x – 1208.3x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Margin Pressure

Red Flag

The company posted negative operating margins in recent quarters — core operations are unprofitable.

Earnings Quality

Red Flag

FCF consistently trails net income (avg -0.1x) — earnings may be inflated by non-cash items or aggressive accounting.

Price & Volume

Market Cap $328.98B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $337.81M
Q. Revenue: $100.70M
TTM EBITDA: $-45.02M
TTM Op. Income: $-149.46M
Q. Op. Income: $-3.26M
TTM Net Income: $-167.45M
Q. Net Income: $-10.99M
EPS: $-0.13
Shares Out.: $83.29B

$337.81M in TTM revenue grew 8.8% YoY, reaching $100.70M last quarter. TTM EBITDA of $-45.02M and TTM operating income of $-149.46M show growth is flowing through to the bottom line. However, net income is negative at $167.45M — growth is not yet reaching the bottom line. Across the last 8 quarters, TTM revenue has risen for 3 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 70.1%
EBITDA Margin: 24.2%
Op. Margin: -3.2%
Net Margin: -10.9%

Op. margin of -3.2% is up 135.5% YoY — cost efficiency is improving. Net margin at -10.9% and gross margin of 70.1% show how much of each revenue dollar survives to profit. Over the past year, operating margin is up 98% — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: N/A
P/S Ratio: 973.9x
P/B Ratio: 701.1x

P/S of 973.9x and P/B of 701.1x. P/S is high, meaning growth expectations are priced in.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $1.61B
Cash: $83.66M
Long-Term Debt: $748.14M
Book Value: $469.26M
D/E Ratio: 1.6
Debt/EBITDA: 30.7

With $1.61B in assets and $748.14M in long-term debt, D/E is 1.6and book value is $469.26M — moderate leverage. Across the last 8 quarters, debt/equity has risen for 4 consecutive quarters — a weakening trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $40.24M
TTM Free Cash Flow: $110.09M
FCF Margin: 32.6%
FCF / Net Income: -0.7

TTM FCF of $110.09M on $40.24M in operating cash flow. The FCF / Net Income ratio of -0.7x means the business consumes cash — it is not yet self-funding. Across the last 8 quarters, free cash flow has risen for 2 consecutive quarters — an improving trend.