RPAY
Repay Holdings Corporation
RPAY lost money over the past year, so it has no meaningful PE right now. Analysts expect earnings to recover.
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.
RPAY PE Valuation
RPAY has no meaningful PE right now: it lost money over the past year.
RPAY Forward outlook
| Metric | Outlook |
|---|---|
| -- | |
| Growth | |
| Strong growth | |
| Strongly weakening | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for RPAY, but weaker profitability.
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.
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.
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.
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 |
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.
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).
RPAY PE vs Technology Sector
RPAY has no meaningful PE right now: it lost money over the past year.
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's trend is mixed: it's above two of its five weekly moving averages, and 36% below its 200-week average.
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 finished lower in four of the last six years. It's up 11% so far in 2026.