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RPAY 
Repay Holdings Corp (RPAY)
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Upturn Advisory Summary
12/03/2025: 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 $7.71
1 Year Target Price $7.71
| 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 12/03/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 319.68M USD | Price to earnings Ratio - | 1Y Target Price 7.71 |
Price to earnings Ratio - | 1Y Target Price 7.71 | ||
Volume (30-day avg) 11 | Beta 1.66 | 52 Weeks Range 2.98 - 8.37 | Updated Date 12/4/2025 |
52 Weeks Range 2.98 - 8.37 | Updated Date 12/4/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -1.42 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-11-10 | When - | Estimate 0.21 | Actual -0.08 |
Profitability
Profit Margin -39.08% | Operating Margin (TTM) -3.74% |
Management Effectiveness
Return on Assets (TTM) -0.39% | Return on Equity (TTM) -18.21% |
Valuation
Trailing PE - | Forward PE 3.78 | Enterprise Value 626414232 | Price to Sales(TTM) 1.03 |
Enterprise Value 626414232 | Price to Sales(TTM) 1.03 | ||
Enterprise Value to Revenue 2.03 | Enterprise Value to EBITDA 11.49 | Shares Outstanding 81584352 | Shares Floating 65450231 |
Shares Outstanding 81584352 | Shares Floating 65450231 | ||
Percent Insiders 8.4 | Percent Institutions 102.5 |
Upturn AI SWOT
Repay Holdings Corp
Company Overview
History and Background
Repay Holdings Corp, founded in 2006, is a payment processing provider focusing on vertically integrated payment solutions. Initially focused on the auto finance sector, it expanded into other industries through acquisitions and organic growth.
Core Business Areas
- Integrated Payment Processing: Offers a suite of payment processing services, including credit and debit card processing, ACH processing, and virtual terminals. Provides payment solutions integrated with various software platforms.
- Business-to-Business (B2B) Payments: Facilitates electronic payments between businesses, streamlining accounts payable and accounts receivable processes.
- Healthcare Payments: Offers payment solutions tailored for healthcare providers, facilitating patient payments and streamlining billing processes.
Leadership and Structure
John P. Morris serves as the CEO. The company has a typical corporate structure with departments for sales, marketing, technology, finance, and operations.
Top Products and Market Share
Key Offerings
- Integrated Payment Solutions: These solutions embed payment processing functionality directly into software platforms used by businesses. REPAY reports that integrated partners contribute the majority of its payment volume and gross profit. Competitors include Global Payments (GPN), Fiserv (FI), and Block (SQ).
- B2B Payment Automation: Solutions to automate payments for both accounts payable and accounts receivable. This helps streamline financial operations and reduce manual processing costs. Competitors include Bill.com (BILL) and Coupa Software (acquired by Thoma Bravo).
- Healthcare Payment Solutions: REPAY provides healthcare-specific solutions to streamline patient payments and revenue cycle management. The company is continuing to grow in this space through acquisitions. Competitors include Waystar and Change Healthcare.
Market Dynamics
Industry Overview
The payment processing industry is highly competitive and rapidly evolving, driven by technological advancements and changing consumer preferences. The industry is seeing consolidation through mergers and acquisitions.
Positioning
Repay focuses on specific verticals (like auto lending, healthcare, B2B) through an integrated payment processing model, creating a niche market segment. Their competitive advantage stems from the deep integration of their products with third-party software.
Total Addressable Market (TAM)
The global digital payments market is expected to reach trillions of dollars. REPAY is positioned to capture a portion of the TAM by focusing on specific high-growth verticals and continuing to form integrated partnerships.
Upturn SWOT Analysis
Strengths
- Strong focus on integrated payment solutions
- Vertical market expertise
- Recurring revenue model
- Strategic acquisitions
Weaknesses
- Reliance on integrated partner relationships
- Smaller scale compared to major payment processors
- Integration risk from acquisitions
Opportunities
- Expanding into new verticals
- Further development of B2B payment solutions
- Increased adoption of digital payments
- Growth of integrated partnerships
Threats
- Intense competition
- Technological disruption
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- GPN
- FIS
- BILL
Competitive Landscape
Repay differentiates itself through its focus on specific verticals and integrated payment solutions. It faces competition from larger, more established payment processors as well as niche players.
Major Acquisitions
BillingTree
- Year: 2021
- Acquisition Price (USD millions): 503
- Strategic Rationale: Expanded Repay's presence in the healthcare vertical and added a new suite of payment solutions.
PayVentive
- Year: 2020
- Acquisition Price (USD millions): 85
- Strategic Rationale: Expanded Repay's B2B payment capabilities and added a new customer base.
Growth Trajectory and Initiatives
Historical Growth: Repay has demonstrated growth through strategic acquisitions and expansion of its integrated payment solutions.
Future Projections: Analyst estimates project continued revenue growth driven by expansion into new verticals and increased adoption of digital payments.
Recent Initiatives: Recent initiatives include the acquisitions of BillingTree and PayVentive, aimed at strengthening its healthcare and B2B payment capabilities respectively.
Summary
Repay Holdings Corp is a specialized payment processor with a focus on integrated solutions within specific verticals. Their acquisition-based growth strategy has helped them penetrate markets, but also increased debt. The company's future relies on continued expansion into new verticals, managing integration risks, and successfully competing against larger payment processors. Its strong market position within select verticals balances its smaller relative scale.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company SEC Filings (10-K, 10-Q)
- Company Investor Relations Materials
- Market Research Reports
- Analyst Reports
- Company Website
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. The information provided is based on publicly available data and analyst estimates, which are subject to change. Market conditions and company performance can vary, and past performance is not indicative of future results.
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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