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Company Analysis

Repay Holdings Corporation RPAY

A comprehensive view of key metrics, scores, and financial health for Repay Holdings Corporation

Overview of Repay Holdings Corporation

RPAY NCM
Technology Software - Infrastructure Micro Cap
Repay Holdings Corporation (RPAY), is a Micro Cap company, in the Software - Infrastructure industry, last closed at $2.67, about 476.4% undervalued vs fair value, -53.9% 1Y return, ranked 595/761 in sector.
$2.67
-1.48%
As of March 13, 2026
Previous close • Vol 90d: 56.6%
Market Cap
$239.86M
Enterprise Value
$580.73M
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.repay.com
HQ Atlanta, GA
Employees 465
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$14
$15
$17
Current: $2.67 +476% vs base

Engine Room Money Flow™

Micro Cap

Corporate Free Cash Flow - Where revenue goes and how value is created

Flow Steps
Revenue
$313.0M
5.5%%
Gross Profit
$241.4M
6.4%%
Operating Income
$-7.8M
93%%
Net Income
$-10.2M
90.8%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Corporate Free Cash Flow

Quality & Reliability Indicators

Operating Cash Flow Margin
47.9%
Excellent

OCF / Revenue - cash profitability from operations

Locked Metric
-
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Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
Analysis based on partial data. Some metrics unavailable for complete assessment.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Corporate Default

Competitive Advantage Assessment

Evaluating Repay Holdings Corporation's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
61
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Moderate
58
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Software SaaS vs Industry Peers 65% Coverage
Trade-Off Triangle Visualization A ternary plot showing RPAY's balance between Growth (25.3%), Profitability (34.9%), and Safety (39.9%). Growth 25% Safety 40% Profitability 35%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

41th percentile vs peers
42
Key Signals
Revenue CAGR 3Y 12.6% 52p Rev Growth YoY 5.5% 33p
Strengths
  • Quick Ratio in top 20% of peers (3.14, 80th percentile)
  • Strong liquidity position vs peers
  • Conservative leverage compared to industry peers
Risks

No significant risks identified for this axis.

Profitability

57th percentile vs peers
58
Key Signals
Strengths
Risks
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Safety

66th percentile vs peers
66
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for Repay Holdings Corporation.

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$15.39
- - -
+476.4% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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