Repay/$RPAY
1D1W1MYTD1Y5YMAX
Capital at risk
About Repay
Repay Holdings Corp is a payments technology company. It provides integrated payment processing solutions to industry-oriented vertical markets in which businesses or other organizations have specific transaction processing needs. It allows customers to pay through Mobile App, Text, Interactive Voice Response, Virtual Terminal, Hosted Payment Page and Online Customer Portal among others. It operates in two segments Consumer Payments and Business Payments. The company generates majority of its revenue from Consumer Payments segment.
- Ticker
- $RPAY
- Sector
- Finance
- Primary listing
- NASDAQ
- Employees
- 486
- Headquarters
- Atlanta, United States
- Website
- repay.com
Repay Metrics
BasicAdvanced
$330M
-
-$2.03
1.85
-
Price and volume
Market cap
$330M
Beta
1.85
52-week high
$5.78
52-week low
$2.30
Average daily volume
435K
Financial strength
Current ratio
1.45
Quick ratio
1.03
Long term debt to equity
1.624
Total debt to equity
1.647
Interest coverage (TTM)
-0.54%
Profitability
EBITDA (TTM)
73.248
Gross margin (TTM)
73.49%
Net profit margin (TTM)
-49.57%
Operating margin (TTM)
-3.12%
Effective tax rate (TTM)
2.62%
Revenue per employee (TTM)
$700,000
Management effectiveness
Return on assets (TTM)
-0.44%
Return on equity (TTM)
-31.83%
Valuation
Price to revenue (TTM)
0.973
Price to book
0.7
Price to tangible book (TTM)
-0.45
Price to free cash flow (TTM)
7.337
Free cash flow yield (TTM)
13.63%
Free cash flow per share (TTM)
0.542
Growth
Revenue change (TTM)
8.84%
Earnings per share change (TTM)
61.66%
3-year revenue growth (CAGR)
5.15%
3-year earnings per share growth (CAGR)
78.15%
What the Analysts think about Repay
Analyst ratings (Buy, Hold, Sell) for Repay stock.
Analyst projections of the future price of Repay stock.
Bulls say / Bears say
KUBRA materially broadens REPAY’s recurring bill-payment platform, with access to more than 40% of US and Canadian households and combined annual payment volume above $130 billion. Management expects KUBRA to add $150–154 million of 2026 revenue and $27.5–30 million of adjusted EBITDA, alongside 10–12% organic revenue growth for the group. (REPAY, EDGAR Tools)
The core platform is showing signs of operating momentum: Q2 organic Business Payments growth was about 19%, helped by new client implementations and greater monetisation of ACH volume. Earlier in the year, REPAY also reported 18% Business Payments growth, 297 software relationships and an AP supplier network of more than 665,000. (The Motley Fool, Last10K)
New distribution and product initiatives could deepen REPAY’s embedded-payments position. Its Visa Platform Connect agreement gives ISOs and ISVs access to Visa infrastructure through REPAY, while the NxtEdge partnership embeds its payables platform in hospitality and food-service software. (REPAY, REPAY)
The KUBRA purchase was funded partly with debt, with REPAY expecting post-deal net leverage of about 4x and targeting below 3x within 18 months. That makes the investment case sensitive to cash-flow delivery, interest costs and any integration delay. (REPAY)
Underlying growth remains modest relative to the headline increase: Q2 organic revenue growth was about 6%, while organic Consumer Payments growth was about 4%; gross margin also fell to 70% from 76% as KUBRA added lower-margin revenue. This leaves open the risk that acquisition-led scale is masking weaker core momentum and mix pressure. (Simply Wall St, The Motley Fool)
REPAY expressly warns that it may fail to integrate KUBRA or realise the planned synergies, and that the deal could disrupt customer, employee or partner relationships. It also flags competition, technology change, regulation and data-security risks in its payments markets. (EDGAR Tools, StockTitan)
Data summarised monthly by Lightyear AI. Last updated on 19 Sept 2026.
Repay Financial Performance
Revenues and expenses
Repay Earnings Performance
Company profitability
Upcoming events
No upcoming events
Repay News
AllArticlesVideos
REPAY Appoints Charles Nabhan as New Head of Investor Relations
Business Wire3 weeks ago
REPAY Joins Visa Platform Connect, Granting ISO and ISV Clients Next-Generation Payment Infrastructure
Business Wire1 month ago
Repay Eyes Faster Growth, Debt Reduction as KUBRA Builds Consumer Billing Platform
MarketBeat1 month ago
Funds containing Repay
AllUSDGBPEUR
Fund name | Fund size | $RPAY weighting |
|---|---|---|
iShares Digitalisation$DGTL | $793M | 0.02% |
iShares Digitalisation£DGIT | £585M | 0.02% |
SPDR Russell 2000 US Small Cap€R2US | €4.8B | 0.01% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.