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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 Micro Cap
Repay Holdings Corporation (RPAY), is a Micro Cap company, in the Software - Infrastructure industry, last closed at $3.37, about 349.9% undervalued vs fair value, -29.5% 1Y return, ranked 598/770 in sector.
USD 3.37
-1.46%
(Delayed)
• Vol 90d: 88.8%
52-Week Range
Market Cap
$283.18M
Enterprise Value
$624.05M
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Good
Health
Fair
Efficiency
Fair
Valuation
Fair
Growth
Weak
Profitability
Good
Health
Fair
Efficiency
Fair
Valuation
Fair
Completeness: 12%
Confidence: 4%
Updated: Mar 8
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: $3.37 +350% vs base

Engine Room Money Flow™

Micro Cap

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

Flow Steps
Total Revenue
$313.0M
5.5%%
Gross Profit
$241.4M
6.4%%
Operating Income (GAAP)
$-7.8M
93%%
Operating Cash Flow
$150.1M
44.9%%
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
77.1%
Excellent

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

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.
2
Active Leaks
1/2
Improving
0
High Impact
1
Critical
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
61
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Moderate
56
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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 61% Coverage
Trade-Off Triangle Visualization A ternary plot showing RPAY's balance between Growth (26.7%), Profitability (43.2%), and Safety (30.1%). Growth 27% Safety 30% Profitability 43%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

47th percentile vs peers
48
Key Signals
Rev Growth YoY 5.5% 42p Revenue CAGR 3Y 12.6% 54p
Strengths
  • Operating Cash Flow Margin in top 20% of peers (47.9%, 97th percentile)
  • Strong liquidity position vs peers
  • Conservative leverage compared to industry peers
Risks

No significant risks identified for this axis.

Profitability

77th percentile vs peers
77
Key Signals
Strengths
Risks
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Safety

53th percentile vs peers
54
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
X.X%
X%XX%
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-XX%XX%
XX.X%
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Bear
-
- - -
- upside
-
Base
$15.16
- - -
+349.9% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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