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Upturn AI SWOT - About
RPAY 
Repay Holdings Corp (RPAY)
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Upturn Advisory Summary
07/03/2025: RPAY (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
11 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $7.27
1 Year Target Price $7.27
| 5 | Strong Buy |
| 1 | Buy |
| 5 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 5.14% | Avg. Invested days 28 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 07/03/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 474.44M USD | Price to earnings Ratio - | 1Y Target Price 7.27 |
Price to earnings Ratio - | 1Y Target Price 7.27 | ||
Volume (30-day avg) 11 | Beta 1.6 | 52 Weeks Range 3.59 - 10.16 | Updated Date 07/4/2025 |
52 Weeks Range 3.59 - 10.16 | Updated Date 07/4/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.14 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -4.16% | Operating Margin (TTM) -4.55% |
Management Effectiveness
Return on Assets (TTM) -0.36% | Return on Equity (TTM) -1.65% |
Valuation
Trailing PE - | Forward PE 6.03 | Enterprise Value 780614953 | Price to Sales(TTM) 1.53 |
Enterprise Value 780614953 | Price to Sales(TTM) 1.53 | ||
Enterprise Value to Revenue 2.52 | Enterprise Value to EBITDA 8 | Shares Outstanding 89221200 | Shares Floating 67006025 |
Shares Outstanding 89221200 | Shares Floating 67006025 | ||
Percent Insiders 17.99 | Percent Institutions 106.19 |
Upturn AI SWOT
Repay Holdings Corp
Company Overview
History and Background
Repay Holdings Corp (formerly Thunder Bridge Acquisition II, Ltd.) was founded in 2006 and went public via SPAC in 2019. It provides vertically integrated payment processing solutions to niche end-markets. They focus on business-to-business (B2B), consumer finance, healthcare, and other industries with specific transaction processing needs.
Core Business Areas
- Payment Processing Solutions: Offers payment processing services, including credit and debit card processing, ACH processing, and virtual card solutions. They target niche markets and offer integrated solutions tailored to specific industry needs.
Leadership and Structure
John Morris serves as CEO. The company has a typical corporate structure with various departments overseeing sales, marketing, technology, finance, and operations. The board of directors oversees the management team.
Top Products and Market Share
Key Offerings
- Credit and Debit Card Processing: Provides payment processing for credit and debit card transactions. While specific market share data is difficult to pinpoint due to the fragmented nature of the payment processing industry, Repay focuses on specific verticals. Competitors include Global Payments (GPN), Fiserv (FI), and Block (SQ).
- ACH Processing: Enables businesses to accept and process electronic checks (ACH) payments. Repay focuses on integrating ACH processing into its broader payment solutions for specific verticals. Competitors include Dwolla and Plaid.
- Virtual Card Solutions: Offers virtual card solutions for businesses to streamline payments and improve security. This is a growing area within payment processing. Competitors include WEX and Marqeta (MQ).
Market Dynamics
Industry Overview
The payment processing industry is highly competitive and rapidly evolving, driven by technological advancements, changing consumer preferences, and increasing regulatory scrutiny. The industry is growing due to the increasing adoption of digital payments and e-commerce.
Positioning
Repay differentiates itself by focusing on specific vertical markets and offering customized, integrated payment solutions. This allows them to cater to the unique needs of these industries and build strong relationships with their clients.
Total Addressable Market (TAM)
The global payments market is estimated to be worth trillions of dollars. Repay is positioned to capture a share of this market by focusing on specific niches and providing integrated payment solutions, giving them a smaller, more concentrated TAM.
Upturn SWOT Analysis
Strengths
- Focus on vertical markets
- Integrated payment solutions
- Strong client relationships
- Experienced management team
- Proprietary technology
Weaknesses
- Smaller scale compared to larger competitors
- Reliance on specific vertical markets
- Potential for regulatory challenges
- Integration risks with acquisitions
Opportunities
- Expansion into new vertical markets
- Increased adoption of digital payments
- Strategic acquisitions
- Partnerships with other technology providers
- Cross-selling opportunities
Threats
- Increased competition
- Technological disruption
- Economic downturn
- Changes in regulations
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- GPN
- FISV
- SQ
- PAYX
Competitive Landscape
Repay competes with larger, more established players in the payment processing industry. Its focus on specific verticals and integrated solutions provides a competitive advantage. However, scale and resources are disadvantages compared to larger competitors.
Major Acquisitions
BillingTree
- Year: 2021
- Acquisition Price (USD millions): 503
- Strategic Rationale: Expanded Repay's presence in the healthcare and financial services verticals.
Growth Trajectory and Initiatives
Historical Growth: Repay has experienced growth through organic expansion and strategic acquisitions.
Future Projections: Future growth is projected to be driven by expansion into new markets, increased adoption of digital payments, and continued acquisitions.
Recent Initiatives: Recent initiatives include partnerships, acquisitions, and product enhancements.
Summary
Repay Holdings Corp is a payment processing company that has carved out a niche by focusing on specific vertical markets. Their strategy of providing integrated and customized payment solutions has been successful. However, the company faces intense competition from larger, more established players and any economic downturn could impact their growth. They have grown in the market by acquiring companies.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Third-party research reports
- Market analysis
- Public financial statements
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice. Market conditions and company performance can change rapidly. Consult with a qualified financial advisor before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Repay Holdings Corp
Exchange NASDAQ | Headquaters Atlanta, GA, United States | ||
IPO Launch date 2018-07-17 | CEO, Co-Founder & Director Mr. John Andrew Morris Sr., CPA | ||
Sector Technology | Industry Software - Infrastructure | Full time employees 465 | Website https://www.repay.com |
Full time employees 465 | Website https://www.repay.com | ||
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. The company was founded in 2006 and is headquartered in Atlanta, Georgia.
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