Repay Holdings Corporation (RPAY) Stock

Repay Holdings Corporation (RPAY) is a Technology stock trading at $4.08 (as of 2026-07-15), with a market capitalization of $336.67B. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Repay Holdings Corporation provides payment processing and related electronic payment solutions, including credit and debit processing and ACH processing, delivered through payment channels such as web, mobile, text-to-pay, interactive voice response, and point of sale. Its offerings are designed to serve customer segments including personal and automotive lending, receivables management, and business-to-business businesses.

Understand Repay Holdings Corporation: how it makes money

Repay Holdings provides integrated payment processing solutions for electronic payments, including credit and debit processing, virtual credit cards, ACH processing, enhanced ACH, and instant funding, delivered through proprietary payment channels such as web, mobile, text-to-pay, and interactive voice.

The company earns revenue by processing electronic consumer and business payments through its proprietary payment channels (web, mobile, text-to-pay, and interactive voice), combining multiple payment methods (credit, debit, ACH, enhanced ACH, and instant funding), with additional upside potentially coming from incremental revenue from acquisitions.

Revenue by segment (latest quarter)
Consumer$0.1B
Business$0.0B

Business quality (Weak): Gross margin is high (76.1%), but the latest quarter shows operating margin around breakeven (operating margin -0.0), so investors should focus on whether transaction and payment activity can translate into operating profit.

Bull case

  • Multi-method payment processing: Repay supports multiple electronic payment methods, including credit and debit processing, virtual credit card processing, ACH processing, enhanced ACH processing, and instant funding, which can broaden use cases for its customers.
  • Proprietary payment channels: Its payment solutions are processed through proprietary channels such as web-based, mobile application, text-to-pay, and interactive voice, which supports consistent delivery of its payment capabilities.
  • Ecosystem growth signals: Operational metrics show scaling in its networks and onboarding activity, including vendors in its supplier network, new vendors automatically matched, and new credit unions (with new credit unions onboarded).

Bear case

  • Operating profitability is not clearly established: The latest quarter operating margin is -0.0, indicating performance is near breakeven and may leave limited cushion if costs rise or payment activity slows.
  • Churn or partner changes: Operational metrics include 'Software partners exited' (297.0) and 'Software partners and embedded integrations exited' (105.0), which can indicate partner churn or integration changes.
  • Revenue contribution from acquisitions may be lumpy: Incremental revenue from acquisitions is shown as 0.02 USD_B, which can create variability depending on deal timing and integration progress.
Valuation — source: SEC EDGAR (first-party)
Price$4.08
Market Cap$336.67B
Price / Book708.39
Price / Sales1076.56
FCF Yield0.0%
DCF Value (model)$0.02
DCF Upside vs Price-99.5%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$309.26M
Net Margin-83.0%
Revenue Growth (YoY)4.5%
EPS Growth (YoY)33.3%
FCF Growth (YoY)608.6%
Financial Health — source: SEC EDGAR
Altman Z-Score290.55 (safe)
Piotroski F-Score4/9 (moderate)
Valuation vs Sector & Industry
Sector P/E (Technology)34.5
Industry P/E (Business Services)30.8
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderForager Capital Management, LLC ($24.03M)
Institutional Holders Tracked10
Company
SectorTechnology
IndustryBusiness Services
CEOJohn Andrew Morris
Employees465
CountryUS
IPO Date2018-07-17

Related Companies (Business model: IT Services / Consulting and Managed Services; 8 closest by market cap; US-domiciled)

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  • Omnicom Group Inc. (OMC)
  • Global Payments Inc. (GPN)
  • RB Global, Inc. (RBA)
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RPAY earnings history · RPAY institutional & insider holders · RPAY KPIs & operating metrics · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-07-15.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.