Repay Holdings Corp

Repay Holdings Corp

RPAY · NASDAQ · Technology / Software - Infrastructure

4.18USD+0.08 (+1.95%)

Price History

Full chart

Market Stats

Previous Close4.10
Open4.06
Day Range4.06 – 4.23
52-Week Range2.30 – 5.39
Volume373.48K
Market Cap330.69M
P/E (TTM)0.00
Forward P/E7.92
EPS-1.99
Dividend Yield0.00%
Beta1.83
50-Day Avg3.82
200-Day Avg3.52

About

Repay Holdings Corporation, a payments technology company, provides integrated payment processing solutions that enables consumers and businesses to make payments using electronic payment methods in the United States. It operates through two segments: Consumer Payments and Business Payments. The company offers payment acceptance solutions, such as debit and credit card processing, automated clearing house (ACH) processing, e-cash, and digital wallet services; virtual credit card processing, enhanced ACH processing, instant funding, clearing and settlement, and communication solutions; and proprietary payment channels that include Web-based, mobile application, text-to-pay, interactive voice response, and point of sale services. It serves customers primarily operating in the personal loans, automotive loans, receivables management, and business-to-business verticals through direct sales representatives and software integration partners. Repay Holdings Corporation was founded in 2006 and is headquartered in Atlanta, Georgia.

Company Details

  • SectorTechnology
  • IndustrySoftware - Infrastructure
  • CEOMr. John Andrew Morris Sr., CPA
  • Employees486
  • Headquarters3060 Peachtree Road NW, Atlanta, GA, United States, 30305, USA
  • Websitehttps://repay.com

Leadership

  • Mr. John Andrew Morris Sr., CPACEO, Co-Founder & Director · b. 1969
  • Mr. Robert Scott HouserChief Financial Officer · b. 1976
  • Mr. Thomas Eugene SullivanChief Accounting Officer
  • Mr. David M. GuthrieChief Technology Officer · b. 1967
  • Mr. Charles Joseph Nabhan C.P.A.Head of Investor Relations
  • Ms. Naomi BarnettExecutive Vice President of Human Resources · b. 1991
  • Mr. Darin HorrocksExecutive Vice President of Business Payments
  • Mr. Matthew MorrowExecutive Vice President of Consumer Payments
  • Mr. Rick WatkinPresident of KUBRA

Financials

Income Statement

Currency: USD2016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue82.30M93.95M130.01M104.60M155.04M219.26M279.23M296.63M313.04M309.26M
Growth (%)-+14.16%+38.38%-19.54%+48.21%+41.42%+27.35%+6.23%+5.53%-1.21%
Cost of Revenue53.24M57.60M1.15M25.87M41.45M55.48M64.83M69.70M71.64M77.24M
Gross Profit29.06M36.35M128.86M78.73M113.59M163.77M214.40M226.92M241.41M232.02M
Gross Margin35.31%38.69%99.11%75.27%73.27%74.69%76.78%76.50%77.12%75.02%
Operating Expense27.31M19.96M130.01M126.94M145.60M217.77M261.60M338.34M249.18M244.05M
Operating Income1.75M16.39M-1.15M-48.21M-32.01M-54.00M-47.20M-111.41M-7.77M-12.03M
Operating Margin2.12%17.44%-0.89%-46.09%-20.65%-24.63%-16.90%-37.56%-2.48%-3.89%
EBITDA5.44M21.75M29.93M1.87M26.29M35.26M127.04M58.48M100.66M-160.96M
EBITDA Margin6.61%23.15%23.02%1.79%16.96%16.08%45.50%19.72%32.16%-52.05%
Net Income-511.71K9.45M1.52M-55.29M-105.60M-50.08M12.84M-110.49M-10.16M-256.72M
Net Income Margin-0.62%10.06%1.17%-52.86%-68.11%-22.84%4.60%-37.25%-3.24%-83.01%
Interest Expense05.71M6.07M9.07M14.45M3.68M4.38M1.05M7.87M13.95M
Interest Expense % of Total Revenue0.00%6.07%4.67%8.67%9.32%1.68%1.57%0.35%2.51%4.51%

Balance Sheet

Currency: USD2016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets164.44M176.33K263.49M782.04M1.11B1.69B1.63B1.52B1.57B1.20B
Total Liabilities64.97M156.60K10.01M321.53M553.80M772.80M698.51M689.04M798.74M717.97M
Total Equity99.46M19.73K253.48M254.35M509.31M874.00M894.56M815.13M761.27M484.43M
Cash2.78M25.82K108.82K24.62M91.13M50.05M64.89M118.10M189.53M115.69M
Total Debt59.10M156.60K94.22M213.44M267.08M459.57M461.88M443.04M508.51M436.88M
Net Debt56.32M130.78K94.11M188.82M175.95M409.52M396.98M324.95M318.99M321.19M

Cash Flow

Currency: USD2016-12-312017-09-302017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow2.80M-5.04K21.14M-961.10K21.29M28.49M53.33M74.22M103.61M150.09M91.11M
Investing Cash Flow-62.43M--3.44M-260.58M-339.13M-145.98M-397.34M-39.54M-24.09M-44.85M-41.98M
Financing Cash Flow65.96M30.10K-8.99M261.62M350.69M186.10M313.84M-17.46M-28.94M-12.67M-130.19M
Capital Expenditure319.89K03.44M5.80M498.51M24.27M23.51M39.54M64.36M44.85M286.00K
Free Cash Flow2.48M-17.71M-6.76M-477.23M4.21M29.82M34.68M39.25M105.24M91.11M
Dividends Paid6.34M-5.48M6.31M7.09M1.50M62.33K951.00K3.52M2.35M0
FCF to OCF88.57%-83.74%703.26%-2241.99%14.79%55.92%46.73%37.88%70.12%100.00%
Dividend Paid to FCF255.70%-30.95%-93.33%-1.49%35.51%0.21%2.74%8.98%2.23%0.00%

Earnings

Report DateAug 10, 2018Nov 13, 2018Mar 26, 2019May 15, 2019Aug 14, 2019Nov 14, 2019Mar 16, 2020May 11, 2020Aug 10, 2020Nov 9, 2020Mar 1, 2021May 10, 2021Aug 9, 2021Nov 9, 2021Mar 1, 2022May 10, 2022Aug 9, 2022Nov 9, 2022Mar 1, 2023May 10, 2023Aug 9, 2023Nov 9, 2023Feb 29, 2024May 9, 2024Aug 8, 2024Nov 12, 2024Feb 26, 2025May 12, 2025Aug 11, 2025Nov 10, 2025Mar 4, 2026May 4, 2026Aug 10, 2026Nov 9, 2026
EPS Estimate0.00--0.120.150.080.110.160.100.110.110.160.140.180.200.210.200.200.220.200.190.210.210.220.220.230.250.220.190.210.210.210.150.25
EPS Actual-0.01-0.01-0.120.150.140.180.200.170.140.120.170.180.160.210.280.190.170.240.230.200.190.210.270.230.220.230.240.220.200.210.190.220.16-
Surprise---25.00%-10.00%125.00%81.82%6.25%40.00%9.09%54.55%12.50%14.29%16.67%40.00%-9.52%-15.00%20.00%4.55%0.00%0.00%0.00%28.57%4.55%0.00%0.00%-3.15%0.00%5.26%0.00%-10.59%4.76%6.67%-
Timing--After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap330.69M
Enterprise Value1.00B
Trailing P/E0.00
Forward P/E7.92
Price / Sales0.98
Price / Book0.67
EPS-1.99
Book Value5.70
Revenue (TTM)337.81M
Gross Profit (TTM)248.25M
EBITDA73.25M
Profit Margin-49.57%
Operating Margin-3.23%
Return on Equity-31.83%
Return on Assets-0.44%
Shares Outstanding82.90M
Shares Float42.34M
Beta1.83
Dividend Yield0.00%
Dividend Rate0.00
Payout Ratio0.00%

Analyst Ratings

Buy
Based on 11 analystsTarget 6.85
  • Strong Buy
    5
  • Buy
    1
  • Hold
    5

Ownership Breakdown

Institutions
101.30%
Insiders
12.47%
Retail / Other
0.00%

Top Institutional Holders

  • Forager Capital Management, LLC
    11.11M13.41%
  • Veradace Capital Management LLC
    7.21M8.71%
  • BlackRock Inc
    6.28M7.59%
  • American Century Companies Inc
    6.12M7.39%
  • Private Management Group Inc
    6.08M7.34%
  • AQR Capital Management LLC
    3.99M4.82%
  • Vanguard Capital Management, LLC
    3.22M3.89%
  • Dimensional Fund Advisors, Inc.
    2.87M3.47%
  • Portolan Capital Management, LLC
    2.86M3.45%
  • Pacific Ridge Capital Partners, LLC
    2.24M2.71%
  • State Street Corp
    1.75M2.11%
  • Sovereign’s Capital Management, LLC
    1.69M2.04%
  • Geode Capital Management, LLC
    1.68M2.03%
  • The Goldman Sachs Group Inc
    1.03M1.25%
  • D. E. Shaw & Co LP
    969.13K1.17%
  • Morgan Stanley - Brokerage Accounts
    965.91K1.17%

Top Fund Holders

  • American Century Small Cap Value Inv
    3.34M4.03%
  • Vanguard MStar Total Stk Mkt Idx Invest
    2.22M2.68%
  • iShares Russell 2000 ETF
    1.78M2.15%
  • Bridge Builder Small/Mid Cap Value
    998.49K1.21%