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Upturn AI SWOT - About
RPAY 
Repay Holdings Corp (RPAY)
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Upturn Advisory Summary
08/29/2025: RPAY (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
11 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $8.19
1 Year Target Price $8.19
| 5 | Strong Buy |
| 1 | Buy |
| 5 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 4.52% | Avg. Invested days 27 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/29/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 540.71M USD | Price to earnings Ratio - | 1Y Target Price 8.19 |
Price to earnings Ratio - | 1Y Target Price 8.19 | ||
Volume (30-day avg) 11 | Beta 1.64 | 52 Weeks Range 3.59 - 9.75 | Updated Date 08/30/2025 |
52 Weeks Range 3.59 - 9.75 | Updated Date 08/30/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -1.25 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-08-11 | When - | Estimate 0.2 | Actual -1.15 |
Profitability
Profit Margin -35.79% | Operating Margin (TTM) -1.49% |
Management Effectiveness
Return on Assets (TTM) -0.28% | Return on Equity (TTM) -15.91% |
Valuation
Trailing PE - | Forward PE 6.89 | Enterprise Value 856315446 | Price to Sales(TTM) 1.74 |
Enterprise Value 856315446 | Price to Sales(TTM) 1.74 | ||
Enterprise Value to Revenue 2.76 | Enterprise Value to EBITDA 11.49 | Shares Outstanding 86046896 | Shares Floating 65501576 |
Shares Outstanding 86046896 | Shares Floating 65501576 | ||
Percent Insiders 8.76 | Percent Institutions 106.52 |
Upturn AI SWOT
Repay Holdings Corp
Company Overview
History and Background
Repay Holdings Corp, founded in 2006, provides vertically integrated payment processing solutions. Initially focused on the auto lending market, it has expanded into healthcare, personal loans, and other sectors through organic growth and acquisitions.
Core Business Areas
- Payment Processing: Provides technology-driven payment processing solutions for businesses, including credit, debit, ACH, and alternative payment methods.
- Integrated Software: Integrates payment processing with business management software platforms, offering a seamless experience for merchants and their customers.
- Omnichannel Solutions: Offers payment solutions across multiple channels, including online, mobile, and in-person transactions.
Leadership and Structure
John Morris serves as CEO. The company is structured with departments focused on technology, sales, marketing, finance, and operations, reporting to executive leadership.
Top Products and Market Share
Key Offerings
- Payment Gateway: A secure platform for processing online and mobile payments. REPAY doesn't disclose precise market share for its payment gateway specifically, but it competes with leaders like Stripe and PayPal. Its competitive advantage lies in its vertical integrations, targeting specific industries. Competitors: Stripe, PayPal, Authorize.net.
- Integrated Payment Solutions: Payment solutions deeply embedded within software platforms used by businesses in specific verticals. REPAY reports over 400 integrations. Competitors: Payroc, Global Payments Integrated Solutions, Square
- Debit Card Processing: Processing transactions with debit cards. Competitors: Fiserv, Worldpay, JPMorgan Chase.
Market Dynamics
Industry Overview
The payment processing industry is experiencing strong growth, driven by the increasing adoption of digital payments, e-commerce, and mobile commerce. The industry is competitive and fragmented, with numerous players offering various solutions.
Positioning
Repay Holdings Corp positions itself as a technology-focused payment processor specializing in integrated solutions for specific verticals, offering a competitive advantage in these niche markets.
Total Addressable Market (TAM)
The global digital payments market is estimated to reach trillions of dollars. REPAY targets specific verticals within this market, such as healthcare and lending. Its TAM within these segments is significant and growing.
Upturn SWOT Analysis
Strengths
- Vertical Market Focus
- Integrated Solutions
- Technology-Driven Platform
- Strong Customer Relationships
Weaknesses
- Smaller Scale Compared to Larger Competitors
- Reliance on Specific Verticals
- Limited Brand Recognition Compared to Larger Players
Opportunities
- Expansion into New Verticals
- Strategic Acquisitions
- Increased Adoption of Digital Payments
- Partnerships with Software Providers
Threats
- Intense Competition
- Changing Regulatory Landscape
- Economic Downturn
- Cybersecurity Risks
Competitors and Market Share
Key Competitors
- FISV
- GPN
- SQ
Competitive Landscape
REPAY differentiates itself through its vertical market focus and integrated solutions, allowing it to compete effectively in its chosen niches. However, it faces challenges from larger, more established players with broader product offerings.
Major Acquisitions
BillingTree
- Year: 2021
- Acquisition Price (USD millions): 503
- Strategic Rationale: Expanded REPAY's presence in the healthcare and accounts receivable management verticals.
PayPOS
- Year: 2020
- Acquisition Price (USD millions): 110
- Strategic Rationale: Enhanced REPAY's payment processing capabilities and expanded its customer base.
Growth Trajectory and Initiatives
Historical Growth: REPAY has demonstrated growth through organic expansion and strategic acquisitions.
Future Projections: Analyst estimates suggest continued growth driven by increased adoption of digital payments and expansion into new markets.
Recent Initiatives: Recent initiatives include acquisitions to expand its market reach and investments in its technology platform.
Summary
Repay Holdings Corp is a payment processing company focused on integrated solutions and specific verticals. Its strength lies in its technology and vertical focus, but it must contend with larger competitors and regulatory changes. Recent acquisitions have bolstered its position. While the company is growing, it needs to continue innovation and market expansion.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Industry Reports
- Analyst Estimates
- Company Website
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Market conditions and company performance may change.
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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