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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 $4.29, about 128.0% undervalued vs fair value, -17.5% 1Y return, ranked 340/780 in sector.
Metrics Rev Growth -1.2% ROE -41.2% Gross Margin 75.0% Div Yield 0.00%
USD 4.29
1.90%
(Delayed)
• Vol 90d: 58.7%
52-Week Range
Market Cap
$349.00M
Enterprise Value
$1.02B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Fair
Health
Fair
Efficiency
Good
Valuation
Weak
Growth
Fair
Profitability
Fair
Health
Fair
Efficiency
Good
Valuation
Weak
Completeness: 100%
Confidence: 93%
Updated: Oct 24
Top Beats

Quick Facts

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

Next Events

Earnings Nov 9

Fair Value Snapshot

Bear Base Bull
$8
$10
$11
Current: $4.29 +128% 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)
-$254.7M
-3178.3%%
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%)

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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
40
/100
Developing
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Revenue Converts Cleanly to Cash Cash conversion is strong (score 0.76), showing scalable economics.

Key risks

  • Weak Product Reinvestment R&D commitment lags peers (score 0.16), weakening the innovation moat.
  • Returns Trail Peers Return profile is weak (score 0.24), pointing to limited capital efficiency.

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Pricing Power

Developing
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Signals, strengths and risks for Pricing Power

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Signals, strengths and risks for Recurring Revenue Stickiness

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Signals, strengths and risks for Innovation Engine

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Signals, strengths and risks for Cash Scalability

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Signals, strengths and risks for Capital Efficiency

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Signals, strengths and risks for Balance Sheet Resilience

Trade-Off Ledger™

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

Software SaaS vs Industry Peers 94% Coverage
Trade-Off Triangle Visualization A ternary plot showing RPAY's balance between Growth (25.5%), Profitability (48.4%), and Safety (26.1%). Growth 25% Safety 26% Profitability 48%

Click axes to expand details. Marker shows current allocation.

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Growth

29th percentile vs peers
30
Key Signals
Revenue CAGR 3Y 3.5% 35p Buyback % -7.3% 93p Rev Growth YoY -1.2% 24p TSR -52.2% 16p EPS Growth YoY -25.57 0p
Strengths
  • Operating Cash Flow Margin in top 20% of peers (29.5%, 84th percentile)
  • Consistently strong margins across 3 metrics
  • Strong liquidity position vs peers
Risks

No significant risks identified for this axis.

Profitability

56th percentile vs peers
57
Key Signals
Strengths
Risks
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Safety

30th percentile vs peers
31
Key Signals
Strengths
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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
$9.78
- - -
+128.0% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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