RPAY · Repay Holdings Corporation Class A
Repay Holdings Corp (RPAY)
What's happening
- RPAY is up 2.21% today, trading at $4.16. — Live quote
- Volume today (27,490) is well below its 3-month average of 503,880. (Finnhub fundamentals)
- Reports earnings on 2026-11-11 (after market close), 20 days away. (Finnhub earnings calendar)
- Last quarter's EPS missed estimates: $0.20 actual vs. $0.22 estimated (-8.8%). (Finnhub earnings history)
Deterministic template sentences filled in from the same sourced figures shown elsewhere on this page -- not an AI-written summary, no live model call.
Key Statistics
Analyst Recommendations
Aggregate ratings for 2026-10-01 (11 analysts polled by Finnhub) — consensus count.
Performance Overview (Trailing returns vs S&P 500 benchmark)
Earnings Trends (Quarterly EPS Actual vs Estimate)
Valuation Measures & Ratios
Quarterly history (5 periods)
| Measure | Jun '26 | Mar '26 | Sep '25 | Jun '25 | Mar '25 |
|---|---|---|---|---|---|
| Market cap | $354.9M | $215.4M | $419.3M | $429.9M | $492.3M |
| P/E | -2.74 | -1.70 | -3.70 | -3.87 | -35.20 |
| Price/Sales | 1.06 | 0.69 | 1.35 | 1.40 | 1.58 |
| Price/Book | 0.75 | 0.45 | 0.68 | 0.68 | 0.65 |
| EV/Revenue | 3.06 | 1.80 | 2.42 | 2.49 | 2.64 |
| ROE | -27.42% | -26.48% | -18.38% | -17.52% | -1.85% |
| ROA | -8.06% | -11.09% | -8.50% | -7.86% | -0.91% |
Trailing-twelve-month ratios computed from SEC EDGAR quarterly figures and historical daily close prices (Alpaca). Diluted shares are derived from Net income ÷ EPS (diluted) for each quarter, not separately reported. Forward P/E/PEG unavailable (no free data source).
Glossary — what these abbreviations mean
- 1. TTM
- Trailing twelve months — the sum of the last four reported quarters, not a calendar year or the single latest quarter.
- 2. EPS
- Earnings per share — net income divided by diluted shares outstanding.
- 3. Beta
- A stock's historical volatility relative to the overall market. Above 1 means it has moved more than the market; below 1, less.
- 4. EV (Enterprise Value)
- Market cap plus total debt minus cash — roughly what it would cost to buy the whole company, debt included.
- 5. Forward P/E
- Price divided by analysts' estimated earnings for the next 12 months, instead of trailing actual earnings.
- 6. PEG Ratio
- P/E divided by expected earnings growth rate. A lower number can indicate a stock is cheap relative to how fast it's expected to grow.
- 7. Price / Book
- Share price divided by book value (assets minus liabilities) per share.
- 8. ROE
- Return on equity — net income divided by shareholders' equity, a measure of how efficiently a company turns equity into profit.
- 9. ROA
- Return on assets — net income divided by total assets, a measure of how efficiently a company turns assets into profit.
- 10. MRQ
- Most recent quarter — the single latest reported period, as opposed to TTM. The Financials section's "Quarterly" view below shows MRQ-style figures.
- 11. YoY
- Year over year — percent change versus the same period one year earlier, used for growth figures like those on Compare cards and the Screener.
Short Interest
Source: FINRA Rule 4560 consolidated short interest, settlement date 2026-09-30. Reported bi-monthly with a reporting lag — not real-time.
Quotes and the 1-day extended-hours chart: Yahoo Finance. Longer historical charts: Alpaca (IEX feed) — real-time but IEX-only volume (~2.5% of consolidated market volume). Fundamentals + earnings: Finnhub.
Price history
Drag horizontally to zoom into a section; use Reset view to restore all observations.
Technical signal summary
Calculating from the latest year of daily price history…
Show Technical Analysis Breakdown ▾ 10 Indicators
Not investment advice — read several signals together.
Indicators None active
History limited by data provider; markers are heuristics, not signals.
Peer and sector context
Balanced evidence
A deterministic summary of sourced facts—not an AI verdict.
Potential strengths
- Revenue growth is 33.2% on the provider's reported measure. Finnhub fundamentals ↗
- Latest SEC filing is Form 4, filed 2026-10-15; review it for current changes and risks. SEC EDGAR ↗
Potential concerns
- Net profit margin is -49.6%. Finnhub fundamentals ↗
- Trailing 52-week price return is -9.8%. Finnhub market metrics ↗
Rule-based facts only; absence from either side is not evidence, and this is not a recommendation.
More on RPAY
No accessible free API for these — links go to the source directly.
Financials
Fundamental trends
Visualized from the same SEC figures in the tables below.
Income statement
| Line item | Jun '26 | Mar '26 | Sep '25 | Jun '25 | Mar '25 | Sep '24 | Jun '24 | Mar '24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $100.7M | $80.8M | $77.7M | $75.6M | $77.3M | $79.1M | $74.9M | $80.7M |
| Gross profit | $70.6M | $61.5M | $57.8M | $57.2M | $58.7M | $61.6M | $58.6M | $61.5M |
| Operating income | -$3.3M | -$7.0K | -$3.0M | -$104.9M | -$3.6M | -$675.0K | -$3.4M | -$2.5M |
| Net income | -$11.0M | -$9.9M | -$6.4M | -$102.3M | -$7.9M | $3.2M | -$4.1M | -$5.2M |
| EPS (diluted) | $-0.13 | $-0.12 | $-0.08 | $-1.15 | $-0.09 | $0.03 | $-0.04 | $-0.06 |
| EPS (basic) | $-0.13 | $-0.12 | $-0.08 | $-1.15 | $-0.09 | $0.04 | $-0.04 | $-0.06 |
| Operating margin | -$3 | -$0 | -$4 | -$139 | -$5 | -$1 | -$5 | -$3 |
| Net margin | -$11 | -$12 | -$8 | -$135 | -$10 | $4 | -$5 | -$6 |
Balance sheet
| Line item | Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $1.61B | $1.14B | $1.20B | $1.33B | $1.41B | $1.54B | $1.57B | $1.56B |
| Total liabilities | $1.14B | $665.5M | $718.0M | $711.1M | $774.0M | $768.2M | $798.7M | $794.6M |
| Stockholders' equity | $472.5M | $478.0M | $484.4M | $616.9M | $633.7M | $755.7M | $761.3M | $754.7M |
| Total current assets | $213.0M | $131.0M | $196.8M | $180.2M | $246.1M | $250.1M | $275.2M | $224.8M |
| Total current liabilities | $146.9M | $73.2M | $240.6M | $222.3M | $289.9M | $67.4M | $102.2M | $83.3M |
| Cash & equivalents | $83.7M | $43.8M | $115.7M | $95.7M | $162.6M | $165.5M | $189.5M | $168.7M |
| Accounts receivable | $63.9M | $36.6M | $33.2M | $33.2M | $33.4M | $36.8M | $33.0M | $41.1M |
| Inventory | $2.3M | — | — | — | — | — | — | — |
| Property, plant & equipment | $3.8M | $1.2M | $1.2M | $1.4M | $1.6M | $1.8M | $2.4M | $2.7M |
| Goodwill | $652.1M | $474.5M | $474.5M | $613.0M | $613.0M | $716.8M | $716.8M | $716.8M |
| Intangible assets | $560.2M | $338.3M | $329.8M | $345.8M | $359.8M | $374.6M | $389.0M | $402.3M |
| Other non-current assets | $5.2M | $4.7M | $4.8M | $4.9M | $4.9M | $5.0M | $2.5M | $2.5M |
| Accounts payable | $44.1M | $23.9M | $25.2M | $23.0M | $20.9M | $24.1M | $28.9M | $28.8M |
| Accrued liabilities | $80.9M | $46.9M | $53.0M | $50.7M | $47.5M | $41.6M | $55.5M | $52.2M |
| Deferred revenue (current) | $16.6M | — | — | — | — | — | — | — |
| Short-term debt | $5.0M | $0 | $146.5M | $146.3M | $219.4M | — | — | — |
| Other current liabilities | $11.3M | $954.0K | $785.0K | $769.0K | $548.0K | $457.0K | $267.0K | $1.0M |
| Long-term debt | $748.1M | $390.6M | $280.1M | $279.5M | $279.0M | $497.6M | $496.8M | $496.2M |
| Other non-current liabilities | $1.1M | $1.7M | $1.2M | $2.5M | $2.5M | $2.7M | $1.9M | $2.9M |
| Retained earnings | -$611.5M | -$600.5M | -$590.5M | -$450.4M | -$444.0M | -$341.8M | -$333.8M | -$329.7M |
| Accumulated other comprehensive income (loss) | — | — | — | — | — | — | — | — |
Cash flow
| Line item | Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 |
|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $40.2M | $16.8M | $23.3M | $32.2M | $33.1M | $2.5M | $34.3M | $60.1M |
| Investing cash flow | -$361.0M | -$34.0M | -$9.5M | -$11.4M | -$10.5M | -$10.5M | -$10.8M | -$11.2M |
| Financing cash flow | $361.4M | -$51.7M | -$35.0K | -$87.9M | -$22.8M | -$19.5M | -$2.0M | -$7.6M |
| Free cash flow | $38.1M | $16.7M | $23.2M | $32.1M | $33.1M | $2.4M | $34.0M | $59.8M |
| Capital expenditures | $2.2M | $122.0K | $87.0K | $122.0K | -$69.0K | $146.0K | $207.0K | $211.0K |
| Share-based compensation | $4.7M | $5.0M | $4.4M | $5.5M | $3.0M | $5.3M | $5.9M | $6.5M |
| Deferred income taxes | -$2.7M | $2.0M | -$2.8M | -$1.8M | -$1.3M | -$452.0K | -$2.3M | $1.5M |
| Change in accounts receivable | -$2.5M | $3.4M | -$43.0K | -$164.0K | -$3.5M | $3.9M | -$8.2M | $1.8M |
| Change in inventory | $88.0K | — | — | — | — | — | — | — |
| Change in accounts payable | — | — | — | — | — | — | — | — |
| Purchases of investments | — | — | — | — | — | — | — | — |
| Share repurchases | — | — | — | — | — | — | — | — |
| Debt issued | $500.0M | $110.0M | — | — | — | — | $0 | $287.5M |
| Debt repaid | $110.0M | $146.5M | $0 | $72.0M | — | — | $0 | $205.2M |
| Tax withholding on stock comp | -$794.0K | $1.5M | -$109.0K | $120.0K | $166.0K | $3.1M | -$589.0K | $231.0K |
Income statement
| Line item | Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 |
|---|---|---|---|---|---|
| Revenue | $309.3M | $313.0M | $296.6M | $279.2M | $219.3M |
| Gross profit | $232.0M | $241.4M | $226.9M | $214.4M | $163.8M |
| Operating income | -$254.7M | -$7.8M | -$111.4M | -$47.2M | -$54.0M |
| Net income | -$256.7M | -$10.2M | -$110.5M | $12.8M | -$50.1M |
| EPS (diluted) | $-3.00 | $-0.11 | $-1.23 | $0.12 | $-0.60 |
| EPS (basic) | $-3.00 | $-0.11 | $-1.23 | $0.14 | $-0.60 |
| Operating margin | -$82 | -$2 | -$38 | -$17 | -$25 |
| Net margin | -$83 | -$3 | -$37 | $5 | -$23 |
Balance sheet
| Line item | Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 |
|---|---|---|---|---|---|
| Total assets | $1.20B | $1.57B | $1.52B | $1.63B | $1.69B |
| Total liabilities | $718.0M | $798.7M | $689.0M | $698.5M | $772.8M |
| Stockholders' equity | $484.4M | $761.3M | $815.1M | $894.6M | $874.0M |
| Total current assets | $196.8M | $275.2M | $180.6M | $116.7M | $95.7M |
| Total current liabilities | $240.6M | $102.2M | $57.5M | $82.1M | $92.3M |
| Cash & equivalents | $115.7M | $189.5M | $118.1M | $64.9M | $50.0M |
| Accounts receivable | $33.2M | $33.0M | $36.0M | $33.5M | $33.2M |
| Property, plant & equipment | $1.2M | $2.4M | $3.1M | $4.4M | $3.8M |
| Goodwill | $474.5M | $716.8M | $716.8M | $827.8M | $824.1M |
| Intangible assets | $329.8M | $389.0M | $447.1M | $500.6M | $577.7M |
| Other non-current assets | $4.8M | $2.5M | $2.5M | $2.5M | $2.5M |
| Accounts payable | $25.2M | $28.9M | $22.0M | $21.8M | $20.1M |
| Accrued liabilities | $53.0M | $55.5M | $32.9M | $29.0M | $26.8M |
| Short-term debt | $146.5M | — | — | — | — |
| Other current liabilities | $785.0K | $267.0K | $318.0K | $3.6M | $1.6M |
| Long-term debt | $280.1M | $496.8M | $434.2M | $451.3M | $448.5M |
| Other non-current liabilities | $1.2M | $1.9M | $1.8M | $2.1M | $1.5M |
| Retained earnings | -$590.5M | -$333.8M | -$323.7M | -$213.2M | -$226.0M |
| Accumulated other comprehensive income (loss) | — | — | -$3.0K | -$3.0K | -$2.0K |
Cash flow
| Line item | Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 |
|---|---|---|---|---|---|
| Operating cash flow | $91.1M | $150.1M | $103.6M | $74.2M | $53.3M |
| Investing cash flow | -$42.0M | -$44.9M | -$24.1M | -$39.5M | -$397.3M |
| Financing cash flow | -$130.2M | -$12.7M | -$28.9M | -$17.5M | $313.8M |
| Free cash flow | $90.8M | $149.1M | $102.9M | $71.0M | $50.5M |
| Capital expenditures | $286.0K | $989.0K | $733.0K | $3.2M | $2.9M |
| Share-based compensation | $18.3M | $24.4M | $22.2M | $20.3M | $22.3M |
| Deferred income taxes | -$6.4M | -$2.5M | -$3.6M | $4.2M | -$30.7M |
| Change in accounts receivable | $222.0K | -$3.1M | $4.0M | -$696.0K | $6.5M |
| Change in accounts payable | — | — | — | — | — |
| Purchases of investments | — | — | — | — | $2.5M |
| Share repurchases | — | — | $1.9M | $2.7M | $4.0M |
| Debt issued | — | $287.5M | — | — | $460.0M |
| Debt repaid | $72.0M | $205.2M | $20.0M | — | $262.7M |
| Tax withholding on stock comp | $3.3M | $2.1M | $1.9M | $2.7M | — |
Source: SEC EDGAR XBRL filings (10-Q/10-K), as originally tagged by the company. Quarterly cash flow is reconstructed by de-cumulating fiscal-year-to-date figures (how cash flow is tagged in 10-Qs); other quarterly lines are reported directly.
Institutional holders
SEC Form 13F filers holding RPAY as of the latest reported quarter. 13F only covers investment managers with $100M+ in assets — this is not a complete ownership picture, and does not include insiders (see Recent SEC filings below) or non-13F-eligible holders.
Insider activity
Directors, officers, and 10%+ owners' reported transactions from SEC Form 4. A filing reports a transaction; it does not by itself explain why it happened.
Source: SEC EDGAR Form 4 filings · checked 25 most recent filings · covers 2026-03-11 to 2026-10-15
Recent transactions
- Insiders have net sold 50,000 shares over the last 182 days, across 0 purchases and 5 sales.
- Most recent: Dempsey Tyler B (General Counsel) — Open market sale of 610 shares on 2026-10-15.
Deterministic template sentences filled in from the SEC Form 4 figures in the tables below -- not an AI-written summary, no live model call.
Insider purchases & sales, last 6 months
Counts only open-market purchases (code P) and sales (code S) — grants, option exercises, tax withholding, and gifts are excluded since they aren't a market buy/sell decision.
Insider roster
| Name | Title | Most Recent Transaction | Date | Shares |
|---|---|---|---|---|
| Dempsey Tyler B | General Counsel | Open market sale | 2026-10-15 | 610 |
| Houser Robert Scott | Chief Financial Officer | Tax withholding | 2026-09-08 | 8,733 |
| Sadek Zachary F | Reporting person | Grant / award | 2026-07-31 | 42,500 |
| THORNBURGH RICHARD E | Reporting person | Grant / award | 2026-06-10 | 50,295 |
| GARCIA PAUL R | Reporting person | Grant / award | 2026-06-10 | 50,295 |
| Rios Emnet Legesse | Reporting person | Grant / award | 2026-06-10 | 50,295 |
| KIGHT PETER J | Reporting person | Grant / award | 2026-06-10 | 73,964 |
| GOEBEL MARYANN | Reporting person | Grant / award | 2026-06-10 | 50,295 |
| Watkin Richard Jason | President, KUBRA | Grant / award | 2026-06-01 | 833,333 |
| Guthrie David M | Chief Technology Officer | Grant / award | 2026-05-31 | 1,000 |
| Morrow Matthew Edward | Executive Vice President | Grant / award | 2026-05-12 | 260,416 |
| Sullivan Thomas Eugene | Chief Accounting Officer | Tax withholding | 2026-05-07 | 3,897 |
| Forager Fund, L.P. | 10% owner | Open market purchase | 2026-04-09 | 78,991 |
| Barnett Naomi | Executive Vice President | Tax withholding | 2026-03-19 | 3,313 |
| Morris John Andrew Sr. | Chief Executive Officer | Tax withholding | 2026-03-19 | 51,905 |
Recent transactions
| Date | Insider | Title | Transaction | Shares | Price |
|---|---|---|---|---|---|
| 2026-10-15 | Dempsey Tyler B | General Counsel | Open market sale | 610 | $4.05 |
| 2026-10-14 | Dempsey Tyler B | General Counsel | Open market sale | 4,886 | $4.00 |
| 2026-10-13 | Dempsey Tyler B | General Counsel | Open market sale | 8,392 | $4.00 |
| 2026-09-21 | Dempsey Tyler B | General Counsel | Open market sale | 11,112 | $4.00 |
| 2026-09-17 | Dempsey Tyler B | General Counsel | Open market sale | 25,000 | $3.91 |
| 2026-09-08 | Houser Robert Scott | Chief Financial Officer | Tax withholding | 8,733 | $3.68 |
| 2026-07-31 | Sadek Zachary F | Reporting person | Grant / award | 42,500 | $0.00 |
| 2026-06-10 | THORNBURGH RICHARD E | Reporting person | Grant / award | 50,295 | $0.00 |
| 2026-06-10 | GARCIA PAUL R | Reporting person | Grant / award | 50,295 | $0.00 |
| 2026-06-10 | Rios Emnet Legesse | Reporting person | Grant / award | 50,295 | $0.00 |
| 2026-06-10 | KIGHT PETER J | Reporting person | Grant / award | 73,964 | $0.00 |
| 2026-06-10 | GOEBEL MARYANN | Reporting person | Grant / award | 50,295 | $0.00 |
| 2026-06-01 | Watkin Richard Jason | President, KUBRA | Grant / award | 833,333 | $0.00 |
| 2026-05-31 | Guthrie David M | Chief Technology Officer | Grant / award | 1,000 | $2.85 |
| 2026-05-31 | Guthrie David M | Chief Technology Officer | Tax withholding | 79 | $3.88 |
| 2026-05-12 | Morrow Matthew Edward | Executive Vice President | Grant / award | 260,416 | $0.00 |
| 2026-05-07 | Sullivan Thomas Eugene | Chief Accounting Officer | Tax withholding | 3,897 | $3.49 |
| 2026-04-09 | Forager Fund, L.P. | 10% owner | Open market purchase | 78,991 | $2.68 |
| 2026-04-08 | Forager Fund, L.P. | 10% owner | Open market purchase | 484,720 | $2.57 |
| 2026-04-07 | Forager Fund, L.P. | 10% owner | Open market purchase | 350,000 | $2.42 |
| 2026-04-02 | Forager Fund, L.P. | 10% owner | Open market purchase | 461,609 | $2.53 |
| 2026-04-01 | Forager Fund, L.P. | 10% owner | Open market purchase | 488,391 | $2.54 |
| 2026-03-27 | Forager Fund, L.P. | 10% owner | Open market purchase | 180,858 | $3.05 |
| 2026-03-26 | Forager Fund, L.P. | 10% owner | Open market purchase | 287,200 | $3.04 |
| 2026-03-25 | Forager Fund, L.P. | 10% owner | Open market purchase | 174,779 | $2.92 |
| 2026-03-19 | Sullivan Thomas Eugene | Chief Accounting Officer | Tax withholding | 4,670 | $2.65 |
| 2026-03-19 | Barnett Naomi | Executive Vice President | Tax withholding | 3,313 | $2.65 |
| 2026-03-19 | Dempsey Tyler B | General Counsel | Tax withholding | 5,723 | $2.65 |
| 2026-03-19 | Guthrie David M | Chief Technology Officer | Tax withholding | 6,627 | $2.65 |
| 2026-03-19 | Morris John Andrew Sr. | Chief Executive Officer | Tax withholding | 51,905 | $2.65 |
| 2026-03-11 | Sullivan Thomas Eugene | Chief Accounting Officer | Grant / award | 91,549 | $0.00 |
| 2026-03-11 | Barnett Naomi | Executive Vice President | Grant / award | 128,961 | $0.00 |
| 2026-03-11 | Dempsey Tyler B | General Counsel | Grant / award | 176,056 | $0.00 |
| 2026-03-11 | Guthrie David M | Chief Technology Officer | Grant / award | 207,570 | $0.00 |
Recent SEC filings
Official company reports and insider transaction filings. Form 4 reports a transaction; it does not by itself explain why it happened.
Source: SEC EDGAR submissions · updated 2026-10-22 06:35 UTC
| Filed | Form | Report period | Official filing |
|---|---|---|---|
| 2026-10-15 | 4 | 2026-10-13 | View on SEC.gov → |
| 2026-09-21 | 4 | 2026-09-17 | View on SEC.gov → |
| 2026-09-10 | 4 | 2026-09-08 | View on SEC.gov → |
| 2026-08-10 | 10-Q | 2026-06-30 | View on SEC.gov → |
| 2026-08-10 | 8-K | 2026-08-10 | View on SEC.gov → |
| 2026-08-04 | 4 | 2026-07-31 | View on SEC.gov → |
| 2026-07-14 | 8-K | 2026-07-13 | View on SEC.gov → |
| 2026-06-15 | 8-K | 2026-06-12 | View on SEC.gov → |
| 2026-06-12 | 4 | 2026-06-10 | View on SEC.gov → |
| 2026-06-12 | 4 | 2026-06-10 | View on SEC.gov → |
| 2026-06-12 | 4 | 2026-06-10 | View on SEC.gov → |
| 2026-06-12 | 4 | 2026-06-10 | View on SEC.gov → |
Recent news
Headlines about RPAY (Repay Holdings Corporation Class A). Links open the publisher — we don’t host full articles.
-
Under a preset trading plan, Repay Holdings (RPAY) counsel sold 13,888 shares.
Stock Titan · 2026-10-15 -
REPAY Enables Embedded Payments for Emburse, Bringing Automation and Control to Spend
Yahoo · 2026-10-13 -
Should Value Investors Buy Repay (RPAY) Stock?
Yahoo Finance · 2026-10-02 -
Repay Holdings (RPAY) Upgraded to Buy: Here's What You Should Know
Yahoo Finance · 2026-09-24 -
Is Repay (RPAY) Stock Outpacing Its Business Services Peers This Year?
Yahoo Finance · 2026-09-24 -
REPAY to Host Investor Day on December 7, 2026
Yahoo Finance · 2026-09-23 -
FIS Adds Millions of Accounts on Strong Core Banking Momentum
Yahoo Finance · 2026-09-10 -
Are Investors Undervaluing Repay (RPAY) Right Now?
Yahoo Finance · 2026-09-10
No headlines in this category right now — try “All”.