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Repay Holdings Corporation logo

Repay Holdings Corporation

RPAY

NASDAQTechnologySoftware - Infrastructure

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Previous close

$4.01

+$0.15 · +3.89%

Aug 21, 4:00 PM ET

RPAY company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Hold

Wait — insufficient conviction to act

Valuation

47

Fair Value

Momentum

51

Neutral

Sentiment

64

Bullish

Risk resilience

33

High Risk

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Company profile

Company website

Repay Holdings Corporation specializes in delivering comprehensive payment technology solutions, specifically designed for various specialized markets. The company empowers consumers and businesses alike to conduct electronic transactions efficiently. Repay's diverse portfolio of digital payment services includes processing for credit and debit cards, virtual card capabilities, both standard and enhanced Automated Clearing House (ACH) transactions, and immediate funding options. These services are seamlessly facilitated through its proprietary, multi-channel platforms, which feature web-based portals, mobile applications, text-to-pay functionality, interactive voice response (IVR) systems, and point-of-sale terminals. Repay primarily serves clients within the personal loans, automotive loans, receivables management, and business-to-business (B2B) sectors. Its solutions are distributed through a dedicated direct sales team and strategic software integration partnerships. Founded in 2006, Repay Holdings Corporation is headquartered in Atlanta, Georgia.

Industry
Software - Infrastructure
Sector
Technology
Headquarters
US
CEO
John Andrew Morris
Listed since
Jul 17, 2018
Employees
486

Market position

Day range

Current $4.01

52-week range

Current $4.01

Open
$3.86
Previous close
$3.86
Volume
290.8K
0.47× average
Average volume
623.39K
Average daily volume
Market cap
353.23M USD
Beta
1.85
Market reference 1
50-day average
$3.801
+5.50% above average
200-day average
$3.49
+14.90% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
633.48M USD
EV / EBITDA
-3.94×
Earnings yield
-82.21%
Free cash flow yield
29.18%

Profitability & efficiency

Return on equity
-52.99%
Return on assets
-21.40%
Return on invested capital
-1.06%

Financial health

Current ratio
0.82×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends93%29%-35%-99%Gross margin, FY2021: 74.69%Gross margin, FY2022: 76.78%Gross margin, FY2023: 76.50%Gross margin, FY2024: 77.12%Gross margin, FY2025: 75.02%Operating margin, FY2021: -24.63%Operating margin, FY2022: -16.90%Operating margin, FY2023: -37.56%Operating margin, FY2024: -2.48%Operating margin, FY2025: -3.89%Net margin, FY2021: -22.84%Net margin, FY2022: 4.60%Net margin, FY2023: -37.25%Net margin, FY2024: -3.24%Net margin, FY2025: -83.01%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 74.69%. Gross margin FY2022 76.78%. Gross margin FY2023 76.50%. Gross margin FY2024 77.12%. Gross margin FY2025 75.02%. Operating margin FY2021 -24.63%. Operating margin FY2022 -16.90%. Operating margin FY2023 -37.56%. Operating margin FY2024 -2.48%. Operating margin FY2025 -3.89%. Net margin FY2021 -22.84%. Net margin FY2022 4.60%. Net margin FY2023 -37.25%. Net margin FY2024 -3.24%. Net margin FY2025 -83.01%.

Income trends

Revenue

309.26M USD-1.21%

Operating income

−12.03M USD-54.88%

Net income

−256.72M USD-2427.81%
Income trends across reported periods370.02M USD142.11M USD−85.79M USD−313.7M USDRevenue, FY2021: 219.26M USDRevenue, FY2022: 279.23M USDRevenue, FY2023: 296.63M USDRevenue, FY2024: 313.04M USDRevenue, FY2025: 309.26M USDOperating income, FY2021: −54M USDOperating income, FY2022: −47.2M USDOperating income, FY2023: −111.41M USDOperating income, FY2024: −7.77M USDOperating income, FY2025: −12.03M USDNet income, FY2021: −50.08M USDNet income, FY2022: 12.84M USDNet income, FY2023: −110.49M USDNet income, FY2024: −10.16M USDNet income, FY2025: −256.72M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 219.26M USD. Revenue FY2022 279.23M USD. Revenue FY2023 296.63M USD. Revenue FY2024 313.04M USD. Revenue FY2025 309.26M USD. Operating income FY2021 −54M USD. Operating income FY2022 −47.2M USD. Operating income FY2023 −111.41M USD. Operating income FY2024 −7.77M USD. Operating income FY2025 −12.03M USD. Net income FY2021 −50.08M USD. Net income FY2022 12.84M USD. Net income FY2023 −110.49M USD. Net income FY2024 −10.16M USD. Net income FY2025 −256.72M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue309.26M USD313.04M USD296.63M USD279.23M USD219.26M USD
Cost of goods sold77.24M USD71.64M USD69.7M USD64.83M USD55.48M USD
Gross profit232.02M USD241.41M USD226.92M USD214.4M USD163.77M USD
Selling, general, and administrative142.01M USD145.47M USD—149.06M USD—
Operating expenses244.05M USD249.18M USD338.34M USD261.6M USD217.77M USD
Interest income4.06M USD5.99M USD—130K USD—
Interest expense13.95M USD7.87M USD1.05M USD4.38M USD3.68M USD
Depreciation and amortization102.05M USD103.71M USD84.07M USD107.75M USD81.23M USD
Operating income−12.03M USD−7.77M USD−111.41M USD−47.2M USD−54M USD
Net income−256.72M USD−10.16M USD−110.49M USD12.84M USD−50.08M USD

Company facts updated Aug 24, 2026.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Rating distribution

17 ratings
Strong buy00%
Buy1059%
Hold741%
Sell00%
Strong sell00%

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ETFs holding RPAY

Funds reporting this stock among their holdings, ordered by reported position size.

Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
8.88M
Weight
0.00%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$378.24+0.44%
iShares Russell 2000 ETF logoiShares Russell 2000 ETFIWM
Market value
6.89M
Weight
0.01%
AUM
81.62B USD
Expense ratio
0.19%
Price / 1D
$299.96+0.77%
Sovereign's Capital Flourish Fund logoSovereign's Capital Flourish FundSOVF
Market value
3.33M
Weight
3.67%
AUM
112.16M USD
Expense ratio
0.75%
Price / 1D
$32.10+0.83%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
3.14M
Weight
0.00%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$245.53+0.82%
iShares Russell 2000 Value ETF logoiShares Russell 2000 Value ETFIWN
Market value
2.44M
Weight
0.02%
AUM
14.66B USD
Expense ratio
0.24%
Price / 1D
$224.81+0.45%
EA Bridgeway Omni Small-Cap Value ETF logoEA Bridgeway Omni Small-Cap Value ETFBSVO
Market value
1.9M
Weight
0.08%
AUM
1.71B USD
Expense ratio
0.47%
Price / 1D
$29.62+0.85%
Fidelity Enhanced Small Cap ETF logoFidelity Enhanced Small Cap ETFFESM
Market value
1.78M
Weight
0.03%
AUM
6.03B USD
Expense ratio
0.28%
Price / 1D
$47.94+0.80%
Dimensional - US Targeted Value ETF logoDimensional - US Targeted Value ETFDFAT
Market value
1.57M
Weight
0.01%
AUM
14.66B USD
Expense ratio
0.28%
Price / 1D
$71.67+0.67%

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