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Upturn AI SWOT - About
RPAY 
Repay Holdings Corp (RPAY)
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Upturn Advisory Summary
10/28/2025: RPAY (1-star) is currently NOT-A-BUY. Pass it for now.
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 $8.54
1 Year Target Price $8.54
| 5 | Strong Buy |
| 1 | Buy |
| 5 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -5.9% | Avg. Invested days 29 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 461.25M USD | Price to earnings Ratio - | 1Y Target Price 8.54 |
Price to earnings Ratio - | 1Y Target Price 8.54 | ||
Volume (30-day avg) 11 | Beta 1.6 | 52 Weeks Range 3.59 - 9.75 | Updated Date 10/28/2025 |
52 Weeks Range 3.59 - 9.75 | Updated Date 10/28/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -1.29 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-11-05 | When - | Estimate 0.2136 | Actual - |
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 5.48 | Enterprise Value 797803577 | Price to Sales(TTM) 1.49 |
Enterprise Value 797803577 | Price to Sales(TTM) 1.49 | ||
Enterprise Value to Revenue 2.57 | Enterprise Value to EBITDA 11.49 | Shares Outstanding 86046866 | Shares Floating 65410241 |
Shares Outstanding 86046866 | Shares Floating 65410241 | ||
Percent Insiders 8.87 | Percent Institutions 105.25 |
Upturn AI SWOT
Repay Holdings Corp
Company Overview
History and Background
Repay Holdings Corp, founded in 2006, is a technology company that provides vertically integrated payment solutions. Initially focused on the consumer finance market, it has expanded into various verticals through strategic acquisitions and organic growth. The company went public in 2019.
Core Business Areas
- B2B: Provides accounts payable (AP) automation and virtual card solutions for businesses.
- Consumer Finance: Offers payment processing solutions for lenders, including installment loans, auto loans, and other credit products.
- Healthcare: Provides payment processing solutions for healthcare providers and related businesses.
Leadership and Structure
John Morris serves as the CEO. The company has a standard corporate structure with departments covering sales, marketing, technology, finance, and operations.
Top Products and Market Share
Key Offerings
- AP Automation: Repay offers a platform to automate accounts payable processes. Includes features like invoice processing, payment scheduling, and reconciliation. While specific market share is not readily available, competitors include Bill.com (BILL), AvidXchange (AVDX), and Coupa (COUP). Revenue generated for 2023 was approximately $120 million.
- Payment Processing for Consumer Finance: Provides integrated payment processing for consumer finance companies, facilitating loan payments via various channels. Competitors include Fiserv (FI), Jack Henry & Associates (JKHY) and Global Payments (GPN). Revenue generated for 2023 was approximately $140 million.
- Payment Processing for Healthcare: Provides payment processing solutions for the healthcare industry to facilitate patient payments. Competitors include Global Payments (GPN), and Paysafe (PSFE). Revenue generated for 2023 was approximately $40 million.
Market Dynamics
Industry Overview
The payment processing industry is experiencing growth, driven by increasing adoption of digital payments and e-commerce. Trends include the rise of contactless payments, mobile wallets, and integrated payment solutions.
Positioning
Repay Holdings Corp focuses on providing integrated payment solutions in specific niche markets. Their focus on vertical integration and tailored solutions provides a competitive edge in these markets.
Total Addressable Market (TAM)
The TAM for payment processing is substantial and growing, estimated at hundreds of billions of dollars globally. Repay is positioned to capture a significant portion through niche market penetration and expanding its solution offerings.
Upturn SWOT Analysis
Strengths
- Vertically integrated platform
- Focus on niche markets
- Strong customer relationships
- Scalable technology infrastructure
- Experienced management team
Weaknesses
- Smaller scale compared to larger competitors
- Reliance on specific verticals
- Limited brand recognition outside target markets
- Susceptibility to fluctuations in economic conditions
Opportunities
- Expansion into new verticals
- Strategic acquisitions
- Increased adoption of digital payments
- Partnerships with complementary service providers
Threats
- Increased competition from larger payment processors
- Regulatory changes in the payments industry
- Cybersecurity risks
- Economic downturns impacting lending volumes
Competitors and Market Share
Key Competitors
- BILL
- GPN
- FI
- JKHY
Competitive Landscape
Repay differentiates itself through its focus on vertical integration and tailored solutions within niche markets. While it faces competition from larger players, its specialized approach provides a competitive advantage.
Major Acquisitions
Payix
- Year: 2021
- Acquisition Price (USD millions): 115
- Strategic Rationale: Expanded payment capabilities for consumer finance market.
BillingTree
- Year: 2018
- Acquisition Price (USD millions): 50.3
- Strategic Rationale: Expanded payment capabilities for consumer finance market.
Growth Trajectory and Initiatives
Historical Growth: Repay has demonstrated strong historical growth driven by organic expansion and acquisitions.
Future Projections: Analysts project continued revenue growth of 15-20% annually over the next few years, driven by further adoption of digital payments and expansion into new verticals.
Recent Initiatives: Recent initiatives include expanding its AP automation platform and partnerships with software vendors.
Summary
Repay Holdings Corp is a growing payment processing company focused on niche markets. Its vertical integration and tailored solutions provide a competitive edge. Growth is supported by organic expansion and acquisitions; however, its smaller scale compared to larger players and reliance on specific verticals present potential challenges. The company should continue to focus on innovation and strategic partnerships to maintain its growth trajectory.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company filings, Analyst reports, Industry publications
Disclaimers:
Data and analysis provided are for informational purposes only and should not be considered investment advice. Financial data may be estimated and subject to 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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