RPAY
BEARISH
$4.11
Live
Repay Holdings Corporation · NASDAQ
Target $6.57
(+59.9%)
$2.3
52W Range
$6.05
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 19, 2026
Market cap
$359.44M
P/E
N/A
ROE
-43.2%
Profit margin
-83.0%
Debt/Equity
0.91
Dividend yield
N/A
AI Analysis
AI-powered fundamental assessment
Confidence
85%
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.
Key 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
Positive analyst sentiment with a target price of $6.57
Recent short-term price momentum (+47.8% in 1 month)
Key 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
Stagnant top-line growth (0.40% YoY)
Long-term value destruction (-82.9% 5-year price change)
AI Fair Value Estimate
Based on comprehensive analysis
$3.85
-6.3% below current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
17
Weak
45
15
10
15
0
AI Verdict
High Risk / Value Trap
Key drivers: Piotroski F-Score 2/9, Catastrophic EPS growth, Liquidity ratios < 1.0, Stagnant revenue
Confidence
90%
Value
45/100
Trades at a discount to book value, but earnings quality is non-existent.
Positives
- P/B 0.69
- Forward P/E 4.41
Watchpoints
- Negative ROE (-43.20%)
- Negative Profit Margin
Future
15/100
Growth metrics are essentially flat or crashing.
Positives
- Analyst target price $6.57
Watchpoints
- 0.40% Revenue Growth
- -3320% YoY EPS Growth
Past
10/100
Long-term trend is aggressively bearish.
Positives
- Recent 1-month price spike
Watchpoints
- -82.9% 5-year return
- Consistent earnings misses in recent quarters
Health
15/100
Weak liquidity and poor deterministic health scores.
Positives
- Debt/Equity (0.91) is manageable
Watchpoints
- Piotroski F-Score 2/9
- Current Ratio 0.82
- Quick Ratio 0.63
Dividend
0/100
Non-dividend paying growth/tech stock.
Positives
No standout positives identified.
Watchpoints
- No dividend paid
- 0/100 Dividend Strength
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$4.11
Analyst Target
$6.57
Upside/Downside
+59.9%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for RPAY and closest competitors.
Updated 2026-04-17
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
RPAY
Repay Holdings Corporation
Primary
|
-82.9% | -39.0% | -6.6% | -11.2% | +47.8% | +36.5% |
|
CLFD
Clearfield, Inc.
Peer
|
-15.7% | -44.9% | +1.4% | -26.4% | -12.7% | -1.8% |
|
RXT
Rackspace Technology, Inc.
Peer
|
-94.2% | -32.3% | +11.4% | +3.5% | -20.5% | +11.4% |
|
NNDM
Nano Dimension Ltd.
Peer
|
-75.6% | -30.5% | +15.3% | -14.8% | +5.5% | +6.1% |
|
IBEX
IBEX Limited
Peer
|
+17.7% | +15.1% | +18.9% | -23.4% | -6.2% | -0.8% |
RPA
Repay Holdings Corporation
Primary
5Y
-82.9%
3Y
-39.0%
1Y
-6.6%
6M
-11.2%
1M
+47.8%
1W
+36.5%
CLF
Clearfield, Inc.
Peer
5Y
-15.7%
3Y
-44.9%
1Y
+1.4%
6M
-26.4%
1M
-12.7%
1W
-1.8%
RXT
Rackspace Technology, Inc.
Peer
5Y
-94.2%
3Y
-32.3%
1Y
+11.4%
6M
+3.5%
1M
-20.5%
1W
+11.4%
NND
Nano Dimension Ltd.
Peer
5Y
-75.6%
3Y
-30.5%
1Y
+15.3%
6M
-14.8%
1M
+5.5%
1W
+6.1%
IBE
IBEX Limited
Peer
5Y
+17.7%
3Y
+15.1%
1Y
+18.9%
6M
-23.4%
1M
-6.2%
1W
-0.8%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
N/A
Forward P/E
4.41
PEG Ratio
N/A
P/B Ratio
0.69
P/S Ratio
1.16
EV/Revenue
2.12
EV/EBITDA
9.73
Market Cap
$359.44M
Profitability
Profit margins and return metrics
Profit Margin
-83.01%
Operating Margin
-5.7%
Gross Margin
75.02%
ROE
-43.2%
ROA
-0.54%
Growth
Revenue and earnings growth rates
Revenue Growth
+0.4%
Earnings Growth
N/A
Q/Q Revenue Growth
+0.4%
Q/Q Earnings Growth
N/A
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
0.91
Moderate
Current Ratio
0.82
Weak
Quick Ratio
0.63
Poor
Cash/Share
$1.41
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.1B
Gross Margin
74.2%
Op. Margin
-5.4%
Net Margin
-178.3%
Total Assets
$1.2B
Liabilities
$0.7B
Equity
$0.5B
Debt/Equity
1.48x
Operating CF
$0.0B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
59%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-05-11
$N/A
2026-03-09
$-1.71
-4156.9% surprise
2025-11-10
$0.21
-1.3% surprise
2025-08-11
$0.2
+3.0% surprise
Technology Sector Comparison
Comparing RPAY against 436 companies in the Technology sector
(37 bullish, 154 neutral, 245 bearish)
Return on Equity (ROE)
-43.2%
This Stock
vs
-34.11%
Sector Avg
+26.7%
(Excellent)
Profit Margin
-83.01%
This Stock
vs
-13.06%
Sector Avg
+535.8%
(Superior)
Debt to Equity
0.91
This Stock
vs
0.68
Sector Avg
+32.5%
(Higher)
Revenue Growth
0.4%
This Stock
vs
5682.49%
Sector Avg
-100.0%
(Slower)
Current Ratio
0.82
This Stock
vs
3.94
Sector Avg
-79.3%
(Weaker)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
RPAY
Repay Holdings Corporation
|
BEARISH | $359.44M | - | -43.2% | -83.0% | $4.11 | |
|
CLFD
Clearfield, Inc.
|
NEUTRAL | $360.01M | 57.78 | 2.5% | -4.4% | $26.0 | Compare |
|
RXT
Rackspace Technology, Inc.
|
BEARISH | $362.96M | - | -% | -8.4% | $1.47 | Compare |
|
NNDM
Nano Dimension Ltd.
|
BEARISH | $363.88M | - | -14.2% | -286.3% | $1.73 | Compare |
|
IBEX
IBEX Limited
|
BULLISH | $370.21M | 9.13 | 33.6% | 7.3% | $27.49 | Compare |
RPAY
Repay Holdings...
BEARISH
Mkt Cap
$359M
P/E
-
ROE
-43.2%
Price
$4.11
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-04-09 | FORAGER FUND, L.P. | Beneficial Owner of more than 10% of a Class of Security | Purchase | 913,711 | $2,304,426 |
| 2026-04-09 | FORAGER FUND, L.P. | Beneficial Owner of more than 10% of a Class of Security | Purchase | 913,711 | $2,304,426 |
| 2026-04-02 | FORAGER FUND, L.P. | Beneficial Owner of more than 10% of a Class of Security | Purchase | 950,000 | $2,408,384 |
| 2026-03-27 | FORAGER FUND, L.P. | Beneficial Owner of more than 10% of a Class of Security | Purchase | 642,837 | $1,935,060 |
| 2026-03-27 | FORAGER FUND, L.P. | Beneficial Owner of more than 10% of a Class of Security | Purchase | 642,837 | $1,935,060 |
| 2026-03-11 | MORRIS JOHN ANDREW SR. | Chief Executive Officer | Stock Award | 968,309 | - |
| 2026-03-11 | SULLIVAN THOMAS EUGENE | Officer | Stock Award | 91,549 | - |
| 2026-03-11 | DEMPSEY TYLER B | General Counsel | Stock Award | 176,056 | - |
| 2026-03-11 | BARNETT NAOMI | Officer | Stock Award | 128,961 | - |
| 2026-03-11 | HOUSER ROBERT SCOTT | Chief Financial Officer | Stock Award | 193,661 | - |
| 2026-03-11 | GUTHRIE DAVID M | Chief Technology Officer | Stock Award | 207,570 | - |
| 2025-11-28 | GUTHRIE DAVID M | Chief Technology Officer | Stock Award | 1,000 | $2,820 |
| 2025-11-17 | THORNBURGH RICHARD E. | Director | Sale | 4,500 | $15,750 |
FORAGER FUND, L.P.
Beneficial Owner of more than 10% of a Class of Security
2026-04-09
913,711 shares
·
$2,304,426
FORAGER FUND, L.P.
Beneficial Owner of more than 10% of a Class of Security
2026-04-09
913,711 shares
·
$2,304,426
FORAGER FUND, L.P.
Beneficial Owner of more than 10% of a Class of Security
2026-04-02
950,000 shares
·
$2,408,384
FORAGER FUND, L.P.
Beneficial Owner of more than 10% of a Class of Security
2026-03-27
642,837 shares
·
$1,935,060
FORAGER FUND, L.P.
Beneficial Owner of more than 10% of a Class of Security
2026-03-27
642,837 shares
·
$1,935,060
MORRIS JOHN ANDREW SR.
Chief Executive Officer
2026-03-11
968,309 shares
SULLIVAN THOMAS EUGENE
Officer
2026-03-11
91,549 shares
DEMPSEY TYLER B
General Counsel
2026-03-11
176,056 shares
BARNETT NAOMI
Officer
2026-03-11
128,961 shares
HOUSER ROBERT SCOTT
Chief Financial Officer
2026-03-11
193,661 shares
GUTHRIE DAVID M
Chief Technology Officer
2026-03-11
207,570 shares
GUTHRIE DAVID M
Chief Technology Officer
2025-11-28
1,000 shares
·
$2,820
THORNBURGH RICHARD E.
Director
2025-11-17
4,500 shares
·
$15,750
Insider transactions can signal confidence or concerns about company prospects
SEC Filings
Recent regulatory filings from the SEC EDGAR database
8-K
8-K
10-K
8-K
8-K
8-K
10-Q
8-K
8-K
Data sourced from SEC EDGAR. AI summaries generated automatically.
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
BUY
7 analysts
DA Davidson
2026-04-10
Buy
Buy
Canaccord Genuity
2026-03-16
Buy
Buy
UBS
2026-03-11
Neutral
Neutral
DA Davidson
2026-03-11
Buy
Buy
Morgan Stanley
2026-03-11
Equal-Weight
Equal-Weight
DA Davidson
2026-03-10
Buy
Buy
Benchmark
2026-03-10
Buy
Buy
DA Davidson
2025-11-13
Buy
Buy
Morgan Stanley
2025-11-12
Equal-Weight
Equal-Weight
UBS
2025-11-11
Neutral
Neutral
Past News Coverage
Recent headlines mentioning RPAY from our newsroom.
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