Repay (RPAY) Stock Insights
RPAY$4.42+0.13 +3.03%
$389.78M
Market Cap
-2.09
P/E
4.76
Forward P/E
47
Score
Repay (RPAY) Stock Insights
RPAY price $4.42 +0.13 +3.03%
- Ticker
- RPAY
- Price
- $4.42
- Change
- +0.13 +3.03%
- Market cap ?
- $389.78M
- P/E ?
- -2.09
- Forward P/E ?
- 4.76
- Dividend yield ?
- 0.00%
- Beta ?
- 1.89
- Sector
- Technology
- Industry
- Software - Infrastructure
- Stocklytics score
- 47
- Value
- 71
- Quality
- 28
- Growth
- 42
Stocklytics score rationale: value 71, quality 28, growth 42.
Financials
| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|
| 82295293 | 93951121 | 130012939 | 104603387 | 155036000 | 219258000 | 279227000 | 296627000 | 313042000 | 309261000 |
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…
Fair value
RPAY fair value $26.44. Price $4.42. Price is 83% below fair value.
Below fair value, and cheaper than usual. A larger discount than on 65% of days in the past 5 years.
Fair value is an estimate of what one share is worth if future cash flows arrive as modeled. It is not a forecast of the share price. How discounted cash flow works.
Calculated with a 10-year free-cash-flow discount. Starting free cash flow 78.53M. Growth 20.00%. When analyst earnings forecasts are available, free cash flow in those years is forecast earnings times the company's usual conversion of earnings into free cash flow, kept between 60% and 130%. Years with fewer than 3 analyst estimates are left out. Growth then fades in a straight line to terminal growth by year 10, starting from the last well-covered year's growth, or from the pace across those years when the final year slows sharply, kept between 0% and 20%. Without those forecasts, year-1 growth is analyst revenue growth for the next full fiscal year, or 5-year historical revenue growth when that forecast is missing, held for five years, then fading in a straight line to terminal growth by year 10. Terminal growth 3.00%. Discount rate 12.00% (beta 1.9). Beta is kept between 0.8 and 2.0, which on its own would make the discount rate 8.7% to 15.3%. The rate is then capped at 12%. A cap is used because a discount above 12% pushes higher-beta stocks further from the price. The discount rate stays at least 5 percentage points above terminal growth. Shares 88.18M. Net debt 321.19M. The earnings value is next-12-months earnings per share, or trailing earnings when that forecast is missing, times the median P/E of the company's industry. That median uses listed stocks worth at least $10 billion with a positive P/E of 100 or below, and the industry needs at least eight of them. Otherwise the sector median is used when that group also has at least eight, then the market median of those large companies. The multiple used is the lower of that median and 1.25 times the stock's own 10-year median P/E, then kept between 8 and 30. If the stock has no 10-year median, the peer median is kept between 8 and 30. Fair value is the average of the cash-flow value and the earnings value when both exist. Card and credit companies use the earnings value only, because changes in customer receivables distort free cash flow. Model uncertainty is high when fair value is more than 60% from the price, or when most of the cash-flow value sits after year 10.
Model uncertainty high for this stock
Earnings
| Date | EPS actual | EPS estimate | Revenue | Revenue estimate |
|---|---|---|---|---|
| 2026-11-09 | — | 0.24 | — | 151.97M |
| 2026-08-10 | 0.20 | 0.21 | 100.70M | 101.86M |
| 2026-05-04 | 0.22 | 0.22 | 80.79M | 80.48M |
| 2026-03-09 | 0.19 | 0.22 | 78.58M | 76.79M |
| 2025-11-10 | 0.21 | 0.21 | 77.72M | 76.92M |
| 2025-08-11 | 0.20 | 0.20 | 75.63M | 76.29M |
| 2025-05-12 | 0.22 | 0.23 | 77.33M | 75.72M |
| 2025-03-03 | 0.24 | 0.24 | 78.27M | 83.92M |
| 2024-11-12 | 0.23 | 0.23 | 79.14M | 82.41M |
| 2024-08-08 | 0.22 | 0.20 | 74.91M | 76.11M |
| 2024-05-09 | 0.23 | 0.22 | 80.72M | 78.82M |
| 2024-02-29 | 0.27 | 0.22 | 75.99M | 70.43M |
| 2023-11-09 | 0.21 | 0.22 | 74.32M | 70.30M |
| 2023-08-09 | 0.19 | 0.21 | 71.78M | 67.50M |
| 2023-05-10 | 0.20 | 0.19 | 74.54M | 69.96M |
| 2023-03-01 | 0.23 | 0.21 | 72.67M | 70.84M |
| 2022-11-09 | 0.24 | 0.19 | 71.56M | 68.48M |
| 2022-08-09 | 0.17 | 0.22 | 67.44M | 69.22M |
| 2022-05-10 | 0.19 | 0.22 | 67.56M | 67.36M |
| 2022-03-01 | 0.28 | 0.18 | 62.20M | 63.56M |
| 2021-11-09 | 0.21 | 0.17 | 61.13M | 59.35M |
| 2021-08-09 | 0.16 | 0.15 | 48.41M | 48.41M |
| 2021-05-10 | 0.18 | 0.18 | 47.52M | 44.87M |
| 2021-03-01 | 0.17 | 0.08 | 41.44M | 38.72M |
| 2020-11-09 | 0.12 | 0.10 | 37.63M | 34.21M |
| 2020-08-10 | 0.14 | 0.09 | 36.50M | 26.07M |
| 2020-05-11 | 0.17 | 0.15 | 39.46M | 32.50M |
| 2020-03-16 | 0.20 | 0.13 | 33.63M | 57.53M |
| 2019-11-14 | 0.18 | 0.09 | 37.16M | 20.53M |
| 2019-08-14 | 0.02 | 0.15 | 21.69M | — |
| 2019-05-15 | 0.02 | — | 23.02M | — |
| 2019-03-26 | 0.06 | — | 33.86M | — |
| 2018-11-13 | 0.15 | — | 32.29M | — |
| 2018-08-10 | -0.00 | — | 31.07M | — |
| 2018-03-31 | -0.00 | — | 32.80M | — |
| 2017-12-31 | -0.00 | — | — | — |
Dividends
Yield 0.00%. Payout ratio 0.00%. Frequency —.
Safety score 37/100 · Watch. Payout ratio is 0% of earnings. Free-cash-flow coverage is not available, so this part stays neutral. No dividend history was found. There is no dividend yield.
| Ex-date | Dividend | Record | Payment | Frequency |
|---|---|---|---|---|
| No data yet. | ||||
Insider trades
| Date | Insider | Action | Shares | Price | Value |
|---|---|---|---|---|---|
| 2026-10-15 | Dempsey Tyler B | Sell | 610 | $4.05 | 2.47K |
| 2026-10-14 | Dempsey Tyler B | Sell | 4.89K | $4.00 | 19.54K |
| 2026-10-13 | Dempsey Tyler B | Sell | 8.39K | $4.00 | 33.57K |
| 2026-09-21 | Dempsey Tyler B | Sell | 11.11K | $4.00 | 44.45K |
| 2026-09-17 | Dempsey Tyler B | Sell | 25.00K | $3.91 | 97.75K |
| 2026-09-08 | Houser Robert Scott | Sell | 8.73K | $3.68 | 32.14K |
| 2026-07-31 | Sadek Zachary F | Buy | 42.50K | — | — |
| 2026-07-13 | Sadek Zachary F | Other | 0 | — | — |
| 2026-06-10 | THORNBURGH RICHARD E | Buy | 50.30K | — | — |
| 2026-06-10 | GARCIA PAUL R | Buy | 50.30K | — | — |
| 2026-06-10 | Rios Emnet Legesse | Buy | 50.30K | — | — |
| 2026-06-10 | KIGHT PETER J | Buy | 73.96K | — | — |
| 2026-06-10 | GOEBEL MARYANN | Buy | 50.30K | — | — |
| 2026-06-01 | Watkin Richard Jason | Other | 0 | — | — |
| 2026-05-31 | Guthrie David M | Buy | 1.00K | $2.85 | 2.85K |
| 2026-05-31 | Guthrie David M | Sell | 79 | $3.88 | 307 |
| 2026-05-12 | Morrow Matthew Edward | Buy | 260.42K | — | — |
| 2026-05-12 | Morrow Matthew Edward | Other | 0 | — | — |
| 2026-05-07 | Sullivan Thomas Eugene | Sell | 3.90K | $3.49 | 13.60K |
| 2026-04-09 | Forager Fund, L.P. | Buy | 78.99K | $2.68 | 211.70K |
| 2026-04-09 | Forager Fund, L.P. | Sell | 78.99K | $2.68 | 211.70K |
| 2026-04-08 | Forager Fund, L.P. | Buy | 484.72K | $2.57 | 1.25M |
| 2026-04-08 | Forager Fund, L.P. | Sell | 484.72K | $2.57 | 1.25M |
| 2026-04-07 | Forager Fund, L.P. | Buy | 350.00K | $2.42 | 847.00K |
| 2026-04-07 | Forager Fund, L.P. | Sell | 350.00K | $2.42 | 847.00K |
| 2026-04-02 | Forager Fund, L.P. | Buy | 461.61K | $2.53 | 1.17M |
| 2026-04-02 | Forager Fund, L.P. | Sell | 461.61K | $2.53 | 1.17M |
| 2026-04-01 | Forager Fund, L.P. | Buy | 488.39K | $2.54 | 1.24M |
| 2026-04-01 | Forager Fund, L.P. | Sell | 488.39K | $2.54 | 1.24M |
| 2026-03-27 | Forager Fund, L.P. | Buy | 180.86K | $3.05 | 551.62K |
| 2026-03-27 | Forager Fund, L.P. | Sell | 180.86K | $3.05 | 551.62K |
| 2026-03-26 | Forager Fund, L.P. | Buy | 287.20K | $3.04 | 873.09K |
| 2026-03-26 | Forager Fund, L.P. | Sell | 287.20K | $3.04 | 873.09K |
| 2026-03-25 | Forager Fund, L.P. | Buy | 174.78K | $2.92 | 510.35K |
| 2026-03-25 | Forager Fund, L.P. | Sell | 174.78K | $2.92 | 510.35K |
| 2026-03-19 | Sullivan Thomas Eugene | Sell | 4.67K | $2.65 | 12.38K |
| 2026-03-19 | Barnett Naomi | Sell | 3.31K | $2.65 | 8.78K |
| 2026-03-19 | Dempsey Tyler B | Sell | 5.72K | $2.65 | 15.17K |
| 2026-03-19 | Guthrie David M | Sell | 6.63K | $2.65 | 17.56K |
| 2026-03-19 | Morris John Andrew Sr. | Sell | 51.91K | $2.65 | 137.55K |
| 2026-03-11 | Sullivan Thomas Eugene | Buy | 91.55K | — | — |
| 2026-03-11 | Barnett Naomi | Buy | 128.96K | — | — |
| 2026-03-11 | Dempsey Tyler B | Buy | 176.06K | — | — |
| 2026-03-11 | Guthrie David M | Buy | 207.57K | — | — |
| 2026-03-11 | Houser Robert Scott | Buy | 193.66K | — | — |
| 2026-03-11 | Morris John Andrew Sr. | Buy | 968.31K | — | — |
| 2026-03-09 | Forager Fund, L.P. | Other | 0 | — | — |
| 2026-03-05 | Sullivan Thomas Eugene | Sell | 3.62K | $3.03 | 10.98K |
| 2026-03-05 | Barnett Naomi | Sell | 5.11K | $3.03 | 15.47K |
| 2026-03-05 | Dempsey Tyler B | Sell | 6.78K | $3.03 | 20.53K |
| 2026-03-05 | Guthrie David M | Sell | 7.64K | $3.03 | 23.15K |
| 2026-03-05 | Morris John Andrew Sr. | Sell | 38.40K | $3.03 | 116.36K |
| 2026-02-23 | Sullivan Thomas Eugene | Sell | 1.35K | $3.06 | 4.14K |
| 2026-02-23 | Barnett Naomi | Sell | 1.30K | $3.06 | 3.97K |
| 2026-02-23 | Dempsey Tyler B | Sell | 2.24K | $3.06 | 6.85K |
| 2026-02-23 | Guthrie David M | Sell | 2.11K | $3.06 | 6.46K |
| 2026-02-23 | Alias Shaler | Sell | 2.52K | $3.06 | 7.72K |
| 2026-02-23 | Morris John Andrew Sr. | Sell | 12.14K | $3.06 | 37.15K |
| 2026-02-19 | Sullivan Thomas Eugene | Sell | 2.85K | $3.14 | 8.94K |
| 2026-02-19 | Barnett Naomi | Sell | 4.01K | $3.14 | 12.59K |
| 2026-02-19 | Dempsey Tyler B | Sell | 5.47K | $3.14 | 17.18K |
| 2026-02-19 | Guthrie David M | Sell | 6.45K | $3.14 | 20.26K |
| 2026-02-19 | Alias Shaler | Sell | 5.50K | $3.14 | 17.27K |
| 2026-02-19 | Morris John Andrew Sr. | Sell | 32.19K | $3.14 | 101.08K |
| 2025-11-30 | Guthrie David M | Buy | 1.00K | $2.82 | 2.82K |
| 2025-11-30 | Guthrie David M | Sell | 45 | $3.32 | 149 |
| 2025-11-17 | THORNBURGH RICHARD E | Sell | 4.50K | $3.50 | 15.75K |
| 2025-09-12 | Moore Jacob Hamilton | Sell | 26.39K | $5.89 | 155.41K |
| 2025-09-08 | Houser Robert Scott | Buy | 118.24K | — | — |
| 2025-09-08 | Houser Robert Scott | Other | 0 | — | — |
| 2025-06-12 | THORNBURGH RICHARD E | Buy | 34.00K | — | — |
| 2025-06-12 | GARCIA PAUL R | Buy | 34.00K | — | — |
| 2025-06-12 | Rios Emnet Legesse | Buy | 34.00K | — | — |
| 2025-06-12 | KIGHT PETER J | Buy | 50.00K | — | — |
| 2025-06-12 | GOEBEL MARYANN | Buy | 34.00K | — | — |
| 2025-06-12 | Hartheimer Robert Herman | Buy | 34.00K | — | — |
| 2025-05-31 | Guthrie David M | Buy | 1.00K | $4.09 | 4.09K |
| 2025-05-31 | Guthrie David M | Sell | 45 | $4.81 | 216 |
| 2025-05-16 | Alias Shaler | Buy | 118 | $4.15 | 490 |
| 2025-05-15 | Alias Shaler | Buy | 15.38K | $3.93 | 60.44K |
| 2025-05-15 | Morris John Andrew Sr. | Buy | 86.76K | $3.89 | 337.50K |
| 2025-05-14 | Alias Shaler | Buy | 174.40K | $4.15 | 723.78K |
| 2025-05-14 | Morris John Andrew Sr. | Buy | 163.04K | $4.20 | 684.77K |
| 2025-05-07 | Sullivan Thomas Eugene | Buy | 13.19K | — | — |
| 2025-03-19 | Sullivan Thomas Eugene | Sell | 4.73K | $5.88 | 27.82K |
| 2025-03-19 | Barnett Naomi | Sell | 3.34K | $5.88 | 19.62K |
| 2025-03-19 | Dempsey Tyler B | Sell | 5.76K | $5.88 | 33.88K |
| 2025-03-19 | Moore Jacob Hamilton | Sell | 6.07K | $5.88 | 35.66K |
| 2025-03-19 | Guthrie David M | Sell | 6.67K | $5.88 | 39.23K |
| 2025-03-19 | Murphy Timothy John | Sell | 10.37K | $5.88 | 60.95K |
| 2025-03-19 | Alias Shaler | Sell | 5.95K | $5.88 | 34.97K |
| 2025-03-19 | Morris John Andrew Sr. | Sell | 59.30K | $5.88 | 348.69K |
| 2025-03-05 | Sullivan Thomas Eugene | Buy | 41.60K | — | — |
| 2025-03-05 | Barnett Naomi | Buy | 58.60K | — | — |
| 2025-03-05 | Dempsey Tyler B | Buy | 80.00K | — | — |
| 2025-03-05 | Moore Jacob Hamilton | Buy | 88.00K | — | — |
| 2025-03-05 | Guthrie David M | Buy | 94.32K | — | — |
| 2025-03-05 | Murphy Timothy John | Buy | 138.40K | — | — |
| 2025-03-05 | Alias Shaler | Buy | 80.41K | — | — |
| 2025-03-05 | Morris John Andrew Sr. | Buy | 520.00K | — | — |
Institutional holders
Latest filed quarter: Q2 2026.
Institutions holding: 143, holders -5 vs prior quarter. Ownership 87.04%.
| Holder | Shares | Change | Change % | Value |
|---|---|---|---|---|
| FORAGER CAPITAL MANAGEMENT, LLC | 11.11M | 1.86M | +20.16% | 46.65M |
| VERADACE CAPITAL MANAGEMENT LLC | 7.21M | 15.39K | +0.21% | 30.27M |
| PRIVATE MANAGEMENT GROUP INC | 6.51M | 434.58K | +7.15% | 27.34M |
| BLACKROCK, INC. | 6.26M | -15.96K | -0.25% | 26.31M |
| AMERICAN CENTURY COMPANIES INC | 6.12M | 2.03M | +49.75% | 25.71M |
| AQR CAPITAL MANAGEMENT LLC | 4.50M | 506.38K | +12.68% | 18.90M |
| VANGUARD CAPITAL MANAGEMENT LLC | 3.08M | -138.10K | -4.29% | 12.95M |
| DIMENSIONAL FUND ADVISORS LP | 2.87M | -70.25K | -2.39% | 12.07M |
| PACIFIC RIDGE CAPITAL PARTNERS, LLC | 2.24M | 827.36K | +58.54% | 9.41M |
| STATE STREET CORP | 1.97M | 215.55K | +12.31% | 8.26M |
| GEODE CAPITAL MANAGEMENT, LLC | 1.78M | 96.30K | +5.72% | 7.47M |
| SOVEREIGN'S CAPITAL MANAGEMENT, LLC | 1.69M | 913.82K | +117.30% | 7.11M |
| D. E. SHAW & CO., INC. | 969.13K | -664.53K | -40.68% | 4.07M |
| MORGAN STANLEY | 920.20K | -45.71K | -4.73% | 3.86M |
| VANGUARD PORTFOLIO MANAGEMENT LLC | 862.41K | 104.42K | +13.78% | 3.62M |
| DEUTSCHE BANK AG\ | 784.37K | 111.68K | +16.60% | 3.29M |
| BANK OF MONTREAL /CAN/ | 765.53K | 135.75K | +21.55% | 3.22M |
| WHETSTONE CAPITAL ADVISORS, LLC | 764.67K | -1.93M | -71.58% | 3.21M |
| GOLDMAN SACHS GROUP INC | 688.74K | -343.42K | -33.27% | 2.89M |
| BARCLAYS PLC | 666.18K | 368.94K | +124.12% | 2.80M |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | 618.98K | -11.53K | -1.83% | 2.60M |
| AEQUIM ALTERNATIVE INVESTMENTS LP | 578.48K | 0 | 0.00% | 2.43M |
| SIXTH STREET PARTNERS MANAGEMENT COMPANY, L.P. | 552.26K | 552.26K | New | 2.32M |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | 552.26K | 6.74K | +1.24% | 2.32M |
| NORTHERN TRUST CORP | 530.01K | 1.99K | +0.38% | 2.23M |
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