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Repay(NASDAQ) RPAY

Current Price$3.74
Market Cap$314.64MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2019)-71%
5 Year-85%
1 Year-23%
1 Month+12%
Repay last closing stock price
MetricPriceDate
Last closeUSD 3.802026-07-20
Repay stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-2.06%USD 3.882026-07-13
1 month+12.09%USD 3.392026-06-18
3 month-0.26%USD 3.812026-04-21
Year to date+4.11%USD 3.652025-12-31
1 year-22.61%USD 4.912025-07-18
3 year-53.6%USD 8.192023-07-21
5 year-84.64%USD 24.742021-07-21
Since inception-70.51%USD 12.892019-07-12

Repay Financials at a Glance

Market Cap

$314.64MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$312.73M

Net Income (TTM)

-$258.72M

EPS (TTM)

-$3.06

P/E Ratio

-1.24

Dividend

$0.00

Beta (Volatility)

1.52 (High)

Price

$3.74

Volume

287,796

Open

$3.83

Previous Close

$3.74

Daily Range

$3.71 - $3.89

52-Week Range

$2.30 - $6.06

Estimated Earnings Date

Aug 10, 2026

RPAY News

young woman holding credit card and smartphone and thinking with chin on fist -- online mobile shopping e-commerce

Repay Holdings Is a Top 'War on Cash' Stock You've Never Heard Of

Nicholas RossolilloNov 13, 2020
radar-money

3 Top Stocks That Aren't on Wall Street's Radar

Nicholas RossolilloOct 23, 2020
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3 High-Growth Stocks to Consider After the Market "Crash"

Nicholas RossolilloSep 11, 2020
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Why You Shouldn't Ignore Repay Holdings' Second-Quarter Results

Nicholas RossolilloAug 13, 2020
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3 Top Small-Cap Stocks to Buy in August

Nicholas RossolilloAug 3, 2020
young woman holding credit card and smartphone and thinking with chin on fist -- online mobile shopping e-commerce

REPAY Holdings vs. Shift4 Payments: Which Recent Digital Payments IPO Is the Better Buy?

Nicholas RossolilloJul 10, 2020
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3 Small Cap Growth Stocks I'm Planning to Buy

Nicholas RossolilloJul 1, 2020
stock chart up 2

Why Repay Holdings Stock Popped Today

Evan Niu, CFAMay 29, 2020
Page 1

RPAY: Motley Fool Moneyball Superscore

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About Repay

Repay helps businesses collect and send payments electronically. It simplifies money transfers for specialized industries like car loans. The company connects payment tools directly into existing business software.

How Repay Moves Your Money

  • Consumer Payments: Processing for personal loans, car loans, and credit unions; accounted for 84% of revenue in Q1 2026.
  • Business Payments: Automated tools for companies to pay other businesses; accounted for 16% of revenue in Q1 2026.
  • Clearing and Settlement: Proprietary platform called RCS that helps other payment providers manage transactions.
  • Payment Channels: Options including web-based portals, mobile apps, text-to-pay, and interactive voice response.

Big Deals and New Partners

  • Bought out the economic interests of a distribution partner for $22.5 million in March 2026.
  • Entered an agreement to acquire KUBRA, including Hearst KUBRA Holdings, Inc. and KUBRA Data Transfer Ltd., for approximately $372 million in March 2026.
  • Financed the pending KUBRA deal using cash, a $500 million term loan, and a $100 million credit facility.
  • Repaid the remaining $146.5 million of convertible notes in February 2026.

What Makes Repay Different

The company uses a proprietary technology platform that integrates directly into client software systems. Deep technical connections help maintain long-term relationships and reduce the likelihood of clients switching providers.

The Recent Financial Scorecard

  • Revenue reached $80.8 million in Q1 2026, up 4.5% from the previous year.
  • Operating loss narrowed to $7,000 in Q1 2026, improving from $3.6 million in Q1 2025.
  • Net loss deepened to $9.9 million in Q1 2026, worsening 25.1% from the previous year.
  • Operating cash flow hit $16.8 million in Q1 2026, up 572.1% year-over-year.

The Big Picture

Repay has transformed from a general processor into a specialized provider for complex industries like automotive and B2B lending. Its focus on software integration and strategic acquisitions supports a shift toward higher-volume automated payment markets.

AI Generated • May 12, 2026

Industry

Diversified Financial Services

Sector

Financials

Employees

486

CEO

John Morris, MBA, CPA

Website

www.repay.com

Headquarters

Atlanta, GA 30305, US

RPAY Financials

Key Financial Metrics (TTM)

Gross Margin

75.09%

Operating Margin

-35.88%

Net Income Margin

-82.73%

Return on Equity

-46.76%

Return on Capital

-1.31%

Return on Assets

-22.68%

Earnings Yield

-80.65%

Dividend Yield

0.00%

Payout Ratio

0.00%

Stock Overview

Market Cap

$314.64MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

82.80M

Volume

287.80K

Avg. Volume

761.78K

Financials (TTM)

Gross Profit

$234.84M

Operating Income

-$112.20M

EBITDA

-$159.36M

Operating Cash Flow

$105.43M

Capital Expenditure

-$65.40M

Free Cash Flow

$40.04M

Cash & ST Invst.

$43.77M

Total Debt

$400.27M

Repay Performance Analysis

Repay annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 279,227,00027.4%
20232023-12-31USD 296,627,0006.2%
20242024-12-31USD 313,042,0005.5%
20252025-12-31USD 309,261,000-1.2%
Repay sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-30-2.2%
Q32025-09-302.8%
Q42025-12-311.1%
Q12026-03-312.8%
Repay annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 0.12N/A
20232023-12-31USD -1.23N/A
20242024-12-31USD -0.11-90.8%
20252025-12-31USD -3.002555.4%
Repay sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q22025-06-30-1187.8%
Q32025-09-3093.0%
Q42025-12-31-2037.5%
Q12026-03-3193.0%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$80.79M

+4.5%

Gross Profit

$61.49M

+4.8%

Gross Margin

76.10%

N/A

Market Cap

$314.64MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$647.42K

N/A

Employees

486

N/A

Net Income

-$9.94M

-25.1%

EBITDA

$21.38M

+31.2%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$43.77M

-73.5%

Total Debt

$400.27M

-21.3%

Accounts Receivable

$228.41M

+520.2%

Inventory

$0.00

N/A

Long Term Debt

$398.82M

-21.4%

Short Term Debt

$1.46M

+14.9%

Return on Assets

-22.68%

N/A

Return on Invested Capital

-10.51%

N/A

Free Cash Flow

-$17.13M

-113.2%

Operating Cash Flow

$16.82M

+572.1%

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Questions About RPAY

What is the current price of Repay?

Repay is trading at $3.74 per share.

What is the 52-week range for Repay?

Over the past 52 weeks, Repay has traded between $2.30 and $6.06.

How much debt does Repay have?

As of the most recent reporting period, Repay reported total debt of $400.27M.

How much cash does Repay have on hand?

Repay reported $74.99M in cash and cash equivalents in its most recent financial results.

What is Repay’s dividend yield?

Repay does not currently have a dividend yield.

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