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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 Framework: Software & SaaS Small Cap
Repay Holdings Corporation (RPAY), is a Small Cap company, in the Software - Infrastructure industry, last closed at $3.60, about 171.9% undervalued vs fair value, -27.7% 1Y return, ranked 368/780 in sector.
Metrics Rev Growth -1.2% ROE -41.2% Gross Margin 75.0% Div Yield 0.00%
USD 3.60
-3.74%
(Delayed)
• Vol 90d: 91.8%
52-Week Range
Market Cap
$336.17M
Enterprise Value
$692.67M
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Fair
Health
Fair
Efficiency
Good
Valuation
Fair
Growth
Weak
Profitability
Fair
Health
Fair
Efficiency
Good
Valuation
Fair
Completeness: 82%
Confidence: 83%
Updated: Jul 5
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
$8
$10
$11
Current: $3.60 +172% vs base

Engine Room Money Flow™

Small Cap

Software & SaaS - Where revenue goes and how value is created

Flow Steps
Total Revenue
$309.3M
-1.2%%
Gross Profit
$232.0M
-3.9%%
Operating Income (GAAP)
$-12.0M
-54.9%%
Operating Cash Flow
$91.1M
-39.3%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Software & SaaS

Quality & Reliability Indicators

Gross Margin
75.0%
Excellent

Gross Profit / Revenue — pricing power and product moat (SaaS benchmark: >70%)

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$38.5M
78.5% of FCF

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
5
Active Leaks
4/5
Improving
1
High Impact
1
Critical
Locked Leak
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Locked Leak
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Moat Analysis Software & SaaS Specialized

Competitive Advantage Assessment

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

Overall Moat Strength
50
/100
Developing
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 85% Coverage
Trade-Off Triangle Visualization A ternary plot showing RPAY's balance between Growth (19.7%), Profitability (52.0%), and Safety (28.3%). Growth 20% Safety 28% Profitability 52%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

23th percentile vs peers
23
Key Signals
Revenue CAGR 3Y 3.5% 35p Rev Growth YoY -1.2% 24p TSR -52.2% 14p EPS Growth YoY -25.57 0p
Strengths
  • Operating Cash Flow Margin in top 20% of peers (29.5%, 85th percentile)
  • Consistently strong margins across 3 metrics
  • Strong liquidity position vs peers
Risks
  • Growth below peer median (percentile: 23)

Profitability

61th percentile vs peers
62
Key Signals
Strengths
Risks
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Safety

33th percentile vs peers
33
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
$9.79
- - -
+171.9% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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