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CLFD vs RPAY

CLFD
Clearfield, Inc.
NEUTRAL
Price
$26.00
Market Cap
$360.0M
Sector
Technology
AI Confidence
80%
RPAY
Repay Holdings Corporation
BEARISH
Price
$4.11
Market Cap
$359.4M
Sector
Technology
AI Confidence
85%

Valuation

P/E Ratio
CLFD
57.78
RPAY
--
Forward P/E
CLFD
14.86
RPAY
4.41
P/B Ratio
CLFD
1.44
RPAY
0.69
P/S Ratio
CLFD
2.33
RPAY
1.16
EV/EBITDA
CLFD
32.51
RPAY
9.73

Profitability

Gross Margin
CLFD
34.4%
RPAY
75.02%
Operating Margin
CLFD
-5.31%
RPAY
-5.7%
Profit Margin
CLFD
-4.37%
RPAY
-83.01%
ROE
CLFD
2.47%
RPAY
-43.2%
ROA
CLFD
0.51%
RPAY
-0.54%

Growth

Revenue Growth
CLFD
15.6%
RPAY
0.4%
Earnings Growth
CLFD
--
RPAY
--

Financial Health

Debt/Equity
CLFD
0.03
RPAY
0.91
Current Ratio
CLFD
12.55
RPAY
0.82
Quick Ratio
CLFD
8.43
RPAY
0.63

Dividends

Dividend Yield
CLFD
--
RPAY
--
Payout Ratio
CLFD
0.0%
RPAY
0.0%

AI Verdict

CLFD NEUTRAL

CLFD shows neutral fundamentals based on deterministic rules. Financial strength is stable (F-Score 4/9). Mixed signals with both opportunities and risks present.

Strengths
Strong revenue growth of 15.6%
Low debt with D/E ratio of 0.03
Risks
High valuation with P/E of 57.8
Premium vs Graham Number ($13.51)
Low profit margin of -4.4%
RPAY BEARISH

RPAY exhibits severe fundamental weakness, highlighted by a Piotroski F-Score of 2/9, indicating poor financial health and deteriorating operational efficiency. While the stock appears cheap on a Price-to-Book (0.69) and Forward P/E (4.41) basis, these metrics are overshadowed by a catastrophic -3320% YoY earnings collapse and a profit margin of -83.01%. Stagnant revenue growth (0.40%) and a current ratio below 1.0 (0.82) suggest significant liquidity risks and a lack of growth catalysts. Despite a bullish analyst consensus, the combination of a 0/100 technical trend and negative earnings surprises makes this a high-risk value trap.

Strengths
Strong Gross Margin (75.02%) indicating a viable core product
Low Price-to-Book ratio (0.69) suggesting the stock trades below liquidation value
Low Forward P/E (4.41) if earnings can be stabilized
Risks
Critical financial health (Piotroski F-Score 2/9)
Severe earnings volatility with a recent surprise of -4156.9%
Liquidity risk indicated by a Current Ratio of 0.82 and Quick Ratio of 0.63

Compare Another Pair

CLFD vs RPAY: Head-to-Head Comparison

This page compares Clearfield, Inc. (CLFD) and Repay Holdings Corporation (RPAY) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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