NVDA
NVIDIA Corporation
NVDA has the edge over RPAY overall, supported by stronger valuation and stronger modeled upside.
RPAY
Repay Holdings Corporation
RPAY trails on the overall score without a compensating advantage in the available component scores.
NVDA Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| Strong | |
| Strong |
NVDA's revenue, profitability, cash flow and balance sheet are all currently strong.
RPAY Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Stable | |
| Healthy | |
| Under pressure |
RPAY's revenue and cash flow are currently healthy, and its profitability is stable, but its balance sheet is under pressure.
NVDA PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 12x | $166 | — |
| Current | 21x | $166 | — |
| Cheap | 44x | $345 | +108% |
| Fair | 65x | $511 | +207% |
| Expensive | 93x | $734 | +342% |
Historical ranges are pointers, not guarantees.
NVDA's PE is in its cheap range at 21x. If earnings grow as analysts expect, today's price would be 12x next year's earnings.
RPAY PE Valuation
RPAY has no meaningful PE right now: it lost money over the past year.
NVDA Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Weakening | |
| Broad | |
| Moderate |
Analysts expect strong earnings and revenue growth for NVDA, but weaker profitability.
RPAY Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Growth | |
| Strong growth | |
| Strongly weakening | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for RPAY, but weaker profitability.
NVDA Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $13.77 | +74% |
| Q3 2026 | $7.91 | +125% |
| Q2 2026 | $6.53 | +111% |
| Q1 2026 | $4.90 | +67% |
| Q4 2025 | $4.03 | +59% |
| Q3 2025 | $3.51 | +65% |
| Q2 2025 | $3.10 | +81% |
| Q1 2025 | $2.94 | +147% |
| Q4 2024 | $2.54 | +234% |
NVDA has the stronger earnings trend. Trailing diluted EPS is up 125% for NVDA versus RPAY down 80%.
RPAY Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $0.93 | +673% |
| Q4 2022 | $0.12 | +$0.72 |
| Q3 2022 | $0.00 | +$0.56 |
| Q2 2022 | -$0.12 | +$0.53 |
| Q1 2022 | -$0.27 | +$0.53 |
| Q4 2021 | -$0.60 | +$0.08 |
| Q3 2021 | -$0.56 | +$0.20 |
| Q2 2021 | -$0.65 | +$0.20 |
| Q1 2021 | -$0.80 | -$0.12 |
RPAY has returned to profit: it earned $0.12 per share over the past year, after losing money the year before.
NVDA Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $96.2B | +106% |
| Q2 2026 | $81.6B | +85% |
| Q1 2026 | $68.1B | +73% |
| Q4 2025 | $57B | +62% |
| Q3 2025 | $46.7B | +56% |
| Q2 2025 | $44.1B | +69% |
| Q1 2025 | $39.3B | +78% |
| Q4 2024 | $35.1B | +94% |
NVDA has the edge over RPAY on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 66% | +5.4 points |
| Q2 2026 | 66% | +17 points |
| Q1 2026 | 65% | +3.9 points |
| Q4 2025 | 63% | +0.8 points |
| Q3 2025 | 61% | -1.2 points |
| Q2 2025 | 49% | -16 points |
| Q1 2025 | 61% | -0.5 points |
| Q4 2024 | 62% | +4.9 points |
NVDA has the edge over RPAY on profitability, with a higher operating margin.
RPAY Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $153.4M | +97% |
| Q2 2026 | $100.7M | +33% |
| Q1 2026 | $80.8M | +4.5% |
| Q4 2025 | $78.6M | +0.4% |
| Q3 2025 | $77.7M | -1.8% |
| Q2 2025 | $75.6M | +1% |
| Q1 2025 | $77.3M | -4.2% |
| Q4 2024 | $78.3M | +3% |
RPAY's revenue has grown year over year for four quarters in a row: $153M last quarter, up 97% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 0.1% | +3.9 points |
| Q2 2026 | -3.2% | +136 points |
| Q1 2026 | 0% | +4.7 points |
| Q4 2025 | -182% | -181 points |
| Q3 2025 | -3.9% | -3 points |
| Q2 2025 | -139% | -134 points |
| Q1 2025 | -4.7% | -1.6 points |
| Q4 2024 | -1.5% | +102 points |
RPAY's operating margin was 0.1% last quarter, up 3.9 points from the same quarter a year ago, near the top of its range since 2019.
NVDA Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $21.4B | +59% |
| Q2 2026 | $48.6B | +86% |
| Q1 2026 | $34.9B | +124% |
| Q4 2025 | $22.1B | +32% |
| Q3 2025 | $13.5B | -0.3% |
| Q2 2025 | $26.2B | +75% |
| Q1 2025 | $15.6B | +38% |
| Q3 2024 | $13.5B | +113% |
NVDA has the edge over RPAY on cash flow, with more consistent year-over-year improvement.
RPAY Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $9.2M | -71% |
| Q2 2026 | $38.1M | +15% |
| Q1 2026 | $16.7M | +609% |
| Q4 2025 | $23.2M | -32% |
| Q3 2025 | $32.1M | -46% |
| Q2 2025 | $33.1M | +8.7% |
| Q1 2025 | $2.4M | -90% |
| Q4 2024 | $34M | -3.3% |
RPAY still generates free cash flow, though less than at its 2024 peak: $87M over the past year.
NVDA Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.4% | -106M shares |
| 1 year | -1% | -247M shares |
| 3 years | -2.8% | -705M shares |
| 5 years | -4.1% | -1B shares |
| Available history | -1.8% | -435M shares |
NVDA has the edge over RPAY on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $19.7B |
| Q2 2026 | $19.3B |
| Q1 2026 | $3.8B |
| Q4 2025 | $12.5B |
| Q3 2025 | $9.7B |
| Q2 2025 | $14.1B |
| Q1 2025 | $7.8B |
| Q4 2024 | $11B |
NVDA spent $55.3B buying back its own shares over the past year, up 30% from the year before.
RPAY Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -2.8% | -3.1M shares |
| 1 year | +25% | +21.8M shares |
RPAY has 110M diluted shares, up 25% from a year ago.
| Quarter | Spent |
|---|---|
| Q4 2023 | $381,000 |
| Q3 2023 | $134,000 |
| Q2 2023 | $171,000 |
| Q1 2023 | $1.2M |
| Q4 2022 | $675,739 |
| Q3 2022 | $141,414 |
| Q2 2022 | $141,414 |
| Q1 2022 | $1.7M |
NVDA Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 0.1x | Very low |
| Q2 2026 | -0.0x | Net Cash |
| Q1 2026 | -0.0x | Net Cash |
| Q4 2025 | -0.0x | Net Cash |
| Q3 2025 | -0.0x | Net Cash |
| Q2 2025 | -0.1x | Net Cash |
| Q1 2025 | -0.0x | Very low |
| Q4 2024 | -0.0x | Net Cash |
NVDA's net debt is less than a year of its operating earnings (EBITDA), after holding more cash than debt a year ago.
RPAY Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q1 2025 | 3.6x | Elevated |
| Q4 2024 | 3.2x | Elevated |
| Q3 2024 | 17.3x | High |
| Q2 2024 | 18.6x | High |
| Q1 2024 | 34.9x | High |
| Q3 2023 | 5.9x | High |
| Q2 2023 | 6.5x | High |
| Q1 2023 | 7.2x | High |
RPAY's net debt is about 3.6 years of its operating earnings (EBITDA), down from more than 20 years a year ago.
NVDA Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 33.4 | Neutral |
| Stochastic | 18.1 | Oversold |
NVDA's weekly RSI is 33 (neutral) and its Stochastic is 18 (oversold).
RPAY Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 52.8 | Neutral |
| Stochastic | 71.5 | Neutral |
RPAY's weekly RSI is 53 (neutral) and its Stochastic is 71 (neutral).
NVDA PE vs Technology Sector
| Metric | NVDA | Sector median | Relative |
|---|---|---|---|
| PE | 21x | 28x | 25% below |
| PE % | 0 | 35 | 35 pts below |
NVDA is trading at 21x earnings, a 25% discount to the Technology sector's median of 28x.
RPAY PE vs Technology Sector
RPAY has no meaningful PE right now: it lost money over the past year.
NVDA Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $208.9 | 20% below |
| 20 week MA | $212.0 | 22% below |
| 50 week MA | $199.9 | 17% below |
| 100 week MA | $175.1 | 5.1% below |
| 200 week MA | $123.6 | 34% above |
NVDA has fallen below most of its moving averages, though it's still 34% above its 200-week average.
RPAY Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $4.12 | 0.5% below |
| 20 week MA | $3.99 | 2.8% above |
| 50 week MA | $3.63 | 13% above |
| 100 week MA | $4.52 | 9.3% below |
| 200 week MA | $6.41 | 36% below |
RPAY has the edge over NVDA on trend strength, trading above more of its moving averages.
NVDA Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $5.92 | $13.0 | +119% |
| 2021 | $13.0 | $29.6 | +128% |
| 2022 | $29.6 | $15.2 | -49% |
| 2023 | $15.2 | $49.5 | +226% |
| 2024 | $49.5 | $137.0 | +177% |
| 2025 | $137.0 | $190.5 | +39% |
| 2026 YTD | $190.5 | $166.2 | -13% |
NVDA's yearly returns have swung widely, from +226% in 2023 to −49% in 2022. It's down 13% so far in 2026.
RPAY Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $14.6 | $27.7 | +90% |
| 2021 | $27.7 | $18.4 | -34% |
| 2022 | $18.4 | $7.62 | -59% |
| 2023 | $7.62 | $8.54 | +12% |
| 2024 | $8.54 | $7.74 | -9.4% |
| 2025 | $7.74 | $3.71 | -52% |
| 2026 YTD | $3.71 | $4.10 | +11% |
RPAY has the edge over NVDA on returns for 2026, with the stronger performance.