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RPAY vs TYGO

RPAY
Repay Holdings Corporation
BEARISH
Price
$4.11
Market Cap
$359.4M
Sector
Technology
AI Confidence
85%
TYGO
Tigo Energy, Inc.
BEARISH
Price
$4.79
Market Cap
$363.4M
Sector
Technology
AI Confidence
85%

Valuation

P/E Ratio
RPAY
--
TYGO
--
Forward P/E
RPAY
4.41
TYGO
38.84
P/B Ratio
RPAY
0.69
TYGO
12.22
P/S Ratio
RPAY
1.16
TYGO
3.51
EV/EBITDA
RPAY
9.73
TYGO
-110.47

Profitability

Gross Margin
RPAY
75.02%
TYGO
42.84%
Operating Margin
RPAY
-5.7%
TYGO
1.11%
Profit Margin
RPAY
-83.01%
TYGO
-1.82%
ROE
RPAY
-43.2%
TYGO
-10.44%
ROA
RPAY
-0.54%
TYGO
-3.73%

Growth

Revenue Growth
RPAY
0.4%
TYGO
73.8%
Earnings Growth
RPAY
--
TYGO
--

Financial Health

Debt/Equity
RPAY
0.91
TYGO
0.1
Current Ratio
RPAY
0.82
TYGO
1.5
Quick Ratio
RPAY
0.63
TYGO
0.56

Dividends

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

AI Verdict

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
TYGO BEARISH

TYGO exhibits severe fundamental weakness, highlighted by a Piotroski F-Score of 2/9, indicating poor financial health and deteriorating operational efficiency. While the company shows impressive top-line revenue growth of 73.8%, this is decoupled from profitability, as evidenced by a negative ROE of -10.44% and a highly inflated Price-to-Book ratio of 12.22. The stock has experienced a massive 504% 1-year rally, but the current technical trend is bearish (10/100), suggesting the valuation is now speculative and disconnected from its underlying financial stability.

Strengths
Exceptional YoY revenue growth of 73.80%
Strong gross margins at 42.84%
Low Debt/Equity ratio of 0.10
Risks
Critical financial health failure (Piotroski F-Score 2/9)
Extreme valuation premium (P/B ratio of 12.22)
Poor liquidity indicated by a Quick Ratio of 0.56

Compare Another Pair

RPAY vs TYGO: Head-to-Head Comparison

This page compares Repay Holdings Corporation (RPAY) and Tigo Energy, Inc. (TYGO) 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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