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Upturn AI Summary - About
Repay Holdings Corp(RPAY)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for RPAY
11/05/2026: RPAY (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Repay Holdings Corp is a financial technology company specializing in integrated payment processing solutions for niche, high-growth markets like consumer finance and automotive. The company is known for its ability to embed payment technology directly into client workflows, which fosters strong customer retention and recurring revenue. Its primary investment story hinges on its ability to transition from an acquisition-led growth strategy toward organic volume expansion and operational efficiency. Primary risks include heavy vertical concentration, intense competition from larger fintech incumbents, and potential regulatory shifts affecting fee structures. It is best suited for investors who understand the fintech sector and are monitoring the company’s progress in achieving sustainable, scalable profitability.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company is transitioning from a high-growth acquisition phase to a more mature operational growth phase. |
| Momentum investor | Weak fit | The stock lacks strong, consistent upward momentum and currently trades based on valuation and fundamental execution. |
| Value investor | Mixed fit | The valuation may appear attractive relative to historic peaks, but fundamental growth risks require a careful assessment of margin expansion. |
| Dividend investor | Weak fit | The company does not pay a dividend and focuses capital on debt reduction and growth. |
| Low-risk investor | Weak fit | The payment sector is subject to high competition and economic cyclicality, leading to meaningful share price volatility. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | High | The stock is subject to significant swings based on sector sentiment and interest rate expectations. |
| Valuation risk | Medium | Investors must determine if the current multiple appropriately reflects the company's long-term organic growth potential. |
| Competition risk (Fintech Giants) | High | Well-capitalized incumbents with broader portfolios can pressure pricing and market share in key verticals. |
| Business quality | Medium | While the recurring revenue model is high quality, heavy reliance on specific niches creates vulnerability. |
| Dividend income | Low / none | Income-focused investors will find no yield here as cash is redirected toward capital structure optimization. |
| Execution risk | Medium / high | Successfully managing past acquisitions and maintaining integration quality is critical to long-term profitability. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Highly Choppy
The stock has experienced frequent, large price swings that make its near-term movement less predictable.
Analysis of Past Performance
Type Stock | Historic Profit -37.18% | Avg. Invested days 23 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/05/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 418.88M USD | Price to earnings Ratio - | 1Y Target Price 6.85 |
Price to earnings Ratio - | 1Y Target Price 6.85 | ||
Volume (30-day avg) 399.8K shares | Beta 1.9 | 52 Weeks Range 2.30 - 4.80 | Updated Date 11/05/2026 |
52 Weeks Range 2.30 - 4.80 | Updated Date 11/05/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) -2.09 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Payment Processing Fees | Transactional fees from credit, debit, and ACH processing services. | The company makes the most money when merchants use its systems to process payments from their customers. |
| Subscription & Software Fees | Platform usage fees and maintenance for integrated payment software. | Steady recurring revenue streams provide a baseline of income, which is less volatile than transaction-only models. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-11-09 | When After Market | Estimate 0.25 | Actual - |
Profitability
Profit Margin -49.57% | Operating Margin (TTM) -3.23% |
Management Effectiveness
Return on Assets (TTM) -0.44% | Return on Equity (TTM) -31.83% |
Valuation
Trailing PE - | Forward PE 5.96 | Enterprise Value 1.06B | Price to Sales(TTM) 1.24 |
Enterprise Value 1.06B | Price to Sales(TTM) 1.24 | ||
Enterprise Value to Revenue 3.15 | Enterprise Value to EBITDA 11.49 | Shares Outstanding 82.90M | Shares Floating 42.35M |
Shares Outstanding 82.90M | Shares Floating 42.35M | ||
Percent Insiders 12.23 | Percent Institutions 101.36 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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