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RPAY 
Repay Holdings Corp (RPAY)
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Upturn Advisory Summary
01/02/2026: 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 01/02/2026 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 330.64M 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 1.68 | 52 Weeks Range 2.98 - 7.84 | Updated Date 01/5/2026 |
52 Weeks Range 2.98 - 7.84 | Updated Date 01/5/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) -1.38 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
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 3.91 | Enterprise Value 636204354 | Price to Sales(TTM) 1.07 |
Enterprise Value 636204354 | Price to Sales(TTM) 1.07 | ||
Enterprise Value to Revenue 2.06 | Enterprise Value to EBITDA 11.49 | Shares Outstanding 81584352 | Shares Floating 65448599 |
Shares Outstanding 81584352 | Shares Floating 65448599 | ||
Percent Insiders 8.4 | Percent Institutions 102.86 |
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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