A Business at a Glance
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Repay Holdings Corp
RPAY
$325M
Mkt Cap
$3.80
+5.56%
Repay Holdings Corp (RPAY) has a 5-year average return on invested capital (ROIC) of -7.7%. This is below average and may indicate limited pricing power.
Repay Holdings Corp (RPAY) has a market capitalization of $313.6B. It is classified as a mega-cap stock.
Repay Holdings Corp (RPAY) does not currently pay a regular dividend.
Repay Holdings Corp (RPAY) operates in the Services-Business Services, Nec industry, within the Industrials sector.
Repay Holdings Corp (RPAY) reported annual revenue of $309 million in its most recent fiscal year, based on SEC EDGAR filings.
Repay Holdings Corp (RPAY) has a net profit margin of -83.0%. The company is currently unprofitable.
Repay Holdings Corp (RPAY) generated $91 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
Organizational Structure and Corporate Information Repay Holdings Corporation was incorporated as a Delaware corporation on July 11, 2019 in connection with the closing of a transaction (the “Business Combination”) pursuant to which Thunder Bridge Acquisition Ltd., a special purpose acquisition company organized under the laws of the Cayman Islands (“Thunder Bridge”), (a) domesticated into a Delaware corporation and changed its name to “Repay Holdings Corporation” and (b) consummated the merger of a wholly owned subsidiary with and into Hawk Parent Holdings, LLC, a Delaware limited liability company (“Hawk Parent”). Unless otherwise noted or unless the context otherwise requires, the terms “we”, “us”, “Repay” and the “Company” and similar references refer (1) before the Business Combination, to Hawk Parent and its consolidated subsidiaries and (2) from and after the Business Combination, to Repay Holdings Corporation and its consolidated subsidiaries.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 313M | 309M | 313M | 297M | 279M | 219M |
| Net Income | -259M | -257M | -10M | -110M | 13M | -50M |
| EPS | $-0.00 | $-3.00 | $-0.11 | $-1.23 | $0.12 | $-0.60 |
| Free Cash Flow | 105M | 91M | 149M | 103M | 71M | 50M |
| ROIC | -24.1% | -25.4% | -0.8% | -8.5% | 1.0% | -4.8% |
| Gross Margin | 75.1% | 75.0% | 77.1% | 76.5% | 76.8% | 74.7% |
| Debt/Equity | 0.82 | 0.90 | 0.67 | 0.54 | 0.52 | 0.53 |
| Dividends/Share | $0.00 | - | - | - | - | - |
| Operating Income | -251M | -255M | -7.8M | -111M | -47M | -54M |
| Operating Margin | -80.3% | -82.4% | -2.5% | -37.6% | -16.9% | -24.6% |
| ROE | -54.1% | -41.2% | -1.3% | -12.9% | 1.5% | -7.2% |
| Shares Outstanding | 82,518M | 86M | 92M | 90M | 107M | 83M |
| Metric | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||
| Revenue | 94M | 130M | 105M | 155M | 219M | 279M | 297M | 313M | 309M | 313M |
| Gross Margin | 45.6% | 47.4% | 80.5% | 73.3% | 74.7% | 76.8% | 76.5% | 77.1% | 75.0% | 75.1% |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 15M | 29M | 97M | 87M | 120M | 149M | 149M | 145M | 142M | 141M |
| EBIT | 16M | 17M | -48M | -32M | -54M | -47M | -111M | -7.8M | -255M | -251M |
| Op. Margin | 17.4% | 12.8% | -46.1% | -20.6% | -24.6% | -16.9% | -37.6% | -2.5% | -82.4% | -80.3% |
| Net Income | 9.4M | 11M | N/A | -106M | -50M | 13M | -110M | -10M | -257M | -259M |
| Net Margin | 10.1% | 8.1% | N/A | -68.1% | -22.8% | 4.6% | -37.2% | -3.2% | -83.0% | -82.7% |
| Non-Recurring | -8K | -17K | 0 | 0 | -19K | -245K | 66M | 0 | 242M | 242M |
| Returns on Capital | ||||||||||
| ROIC | 21.3% | 22.4% | N/A | -5.8% | -4.8% | 1.0% | -8.5% | -0.8% | -25.4% | -24.1% |
| ROE | 19.0% | 419.8% | N/A | -29.2% | -7.2% | 1.5% | -12.9% | -1.3% | -41.2% | -54.1% |
| ROA | N/A | 9.6% | N/A | -11.2% | -3.6% | 0.8% | -7.0% | -0.7% | -18.5% | -22.7% |
| Cash Flow | ||||||||||
| Op. Cash Flow | 21M | 24M | 0 | 28M | 53M | 74M | 104M | 150M | 91M | 105M |
| Free Cash Flow | 21M | 23M | N/A | 27M | 50M | 71M | 103M | 149M | 91M | 105M |
| Owner Earnings | 13M | 13M | -47M | -52M | -59M | -54M | -22M | 22M | -29M | 83M |
| CapEx | 449K | 913K | 0 | 994K | 2.9M | 3.2M | 733K | 989K | 286K | 262K |
| Maint. CapEx | 7.5M | 10M | 30M | 61M | 90M | 108M | 104M | 104M | 102M | 4.9M |
| Growth CapEx | 0 | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| D&A | 7.5M | 10M | 30M | 61M | 90M | 108M | 104M | 104M | 102M | 4.9M |
| CapEx/OCF | N/A | 3.8% | N/A | 3.5% | 5.4% | 4.3% | 0.7% | 0.7% | N/A | 0.2% |
| Capital Allocation | ||||||||||
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dividend Yield | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | 0 | 0 | 0 | 1.4M | 4.0M | 2.7M | 1.9M | 0 | 0 | 0 |
| Buyback Yield | 0.0% | N/A | N/A | 0.1% | 0.3% | 0.3% | 0.3% | 5.8% | 0.0% | 0.0% |
| Stock-Based Comp | 622K | 797K | 18M | 19M | 22M | 20M | 22M | 24M | 18M | 18M |
| Debt Repayment | 51M | 4.9M | 0 | 6.7M | 263M | 0 | 20M | 205M | 72M | 72M |
| Balance Sheet | ||||||||||
| Net Debt | 59M | 84M | 199M | 176M | 410M | 397M | 325M | 319M | 321M | 347M |
| Cash & Equiv. | 26K | 13M | 25M | 91M | 50M | 65M | 118M | 190M | 116M | 44M |
| Long-Term Debt | 59M | 89M | 208M | 250M | 448M | 451M | 434M | 497M | 280M | 391M |
| Debt/Equity | 2991.89 | 19.54 | 1.05 | 0.52 | 0.53 | 0.52 | 0.54 | 0.67 | 0.90 | 0.82 |
| Interest Coverage | 3.7 | 3.0 | -8.8 | -5.4 | -4.7 | -10.8 | -28.8 | -1.0 | -18.3 | -18.3 |
| Equity | 20K | 5.0M | 214M | 509M | 874M | 895M | 815M | 761M | 484M | 478M |
| Total Assets | N/A | 219M | 782M | 1.1B | 1.7B | 1.6B | 1.5B | 1.6B | 1.2B | 1.1B |
| Total Liabilities | 157K | 110M | 362M | 554M | 773M | 699M | 689M | 799M | 718M | 666M |
| Intangibles | N/A | 68M | 312M | 369M | 578M | 501M | 447M | 389M | 330M | 338M |
| Retained Earnings | -5K | 1.5M | -70M | -176M | -226M | -213M | -324M | -334M | -591M | -600M |
| Working Capital | -131K | -565K | -8.1M | 54M | 3.4M | 35M | 123M | 173M | -44M | 58M |
| Current Assets | 26K | 20M | 44M | 119M | 96M | 117M | 181M | 275M | 197M | 131M |
| Current Liabilities | 157K | 21M | 52M | 65M | 92M | 82M | 57M | 102M | 241M | 73M |
| Per Share Data | ||||||||||
| EPS | N/A | -0.14 | N/A | -2.02 | -0.60 | 0.12 | -1.23 | -0.11 | -3.00 | -0.00 |
| Owner EPS | N/A | N/A | N/A | -0.99 | -0.70 | -0.50 | -0.25 | 0.24 | -0.34 | 0.00 |
| Book Value | N/A | N/A | N/A | 9.74 | 10.47 | 8.36 | 9.07 | 8.25 | 5.66 | 0.01 |
| Cash Flow/Share | N/A | N/A | N/A | 0.54 | 0.64 | 0.69 | 1.15 | 1.63 | 1.06 | -0.00 |
| Dividends/Share | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.00 |
| Shares Out. | N/A | N/A | N/A | 52.3M | 83.5M | 107.0M | 89.8M | 92.3M | 85.6M | 82.5B |
| Valuation | ||||||||||
| P/E Ratio | N/A | 37.8 | N/A | N/A | N/A | 63.8 | N/A | N/A | N/A | N/A |
| P/FCF | N/A | N/A | N/A | 52.4 | 30.7 | 11.5 | 7.6 | 4.8 | N/A | N/A |
| EV/EBIT | N/A | 23.7 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Price/Book | N/A | 3.6 | 2.3 | 2.8 | 1.8 | 0.9 | 1.0 | 0.9 | N/A | 656.0 |
| Price/Sales | N/A | 3.0 | 4.5 | 7.2 | 8.7 | 4.6 | 2.3 | 2.6 | N/A | N/A |
| FCF Yield | N/A | 5.8% | N/A | 1.9% | 3.3% | 8.7% | 13.1% | 20.9% | N/A | 0.0% |
| Market Cap | 0 | 398M | 589M | 1.4B | 1.5B | 819M | 783M | 715M | 0 | 313.6B |
| Avg. Price | 0.00 | 9.73 | 11.62 | 21.22 | 22.80 | 12.01 | 7.59 | 8.98 | 0.00 | 3.80 |
| Year-End Price | 0.00 | 9.85 | 14.58 | 27.58 | 18.55 | 7.66 | 8.72 | 7.74 | 0.00 | 3.80 |
Repay Holdings Corp passes 3 of 9 quality checks, indicating weak fundamentals.
On a free-cash-flow basis, the stock trades at 3.2x vs a median of 11.5x. The company's 5-year average gross margin is 76.0%. At current prices, the estimated annualized return to fair value is +17.0%.
Repay Holdings Corp (RPAY) has a debt-to-equity ratio of 0.90. This indicates moderate leverage.
Repay Holdings Corp (RPAY) reported earnings per share (EPS) of $-3.00 in its most recent fiscal year.
Repay Holdings Corp (RPAY) has a return on equity (ROE) of -41.2%. A negative ROE may indicate losses or negative equity.
Repay Holdings Corp (RPAY) has a 5-year average gross margin of 76.0%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 9 years of financial data for Repay Holdings Corp (RPAY), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
Repay Holdings Corp (RPAY) has a book value per share of $5.66, based on its most recent annual SEC filing.
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