Repay Holdings Corporation (RPAY) Stock Price & Analysis
Repay Holdings Corporation (RPAY) closed at USD 4.42 on Thursday, October 29, 2026, up 0.00% on the day. The US market is currently closed (after-hours); this is not a live price.
The prior close was USD 4.42; the Oct 29, 2026 session ranged USD 4.28–4.54 on volume of 509,748 shares. Market capitalization is $389.78M, with a 52-week range of USD 2.3–4.87 (NCM). Source: Nexqual, retrieved October 29, 2026 at 21:21 UTC.
Also available as compact Markdown for AI agents: nexqual.com/RPAY.md
Key facts (RPAY)
- Last four reported quarters (through Jun 30, 2026): revenue $338M, net income -$167M (-49.6% margin), free cash flow $110M (SEC filings).
- Insider open-market sales, last ~7 months: 2 Form 4 filings, $198K; 0 not under a Rule 10b5-1 plan ($0K); 0 by opportunistic insiders, 0 by routine insiders (three-year test, Cohen, Malloy & Pomorski 2012).
- Analysts: Buy (mean 2.20 on a 1–5 scale) (5 analysts), mean target USD 6.85 (range 4.25–10).
- Total return with dividends: 1Y -0.5% vs S&P 500 +14.4%; 5Y -79.0% vs S&P 500 +79.1%.
- Next earnings: 2026-11-09, EPS estimate USD 0.24, revenue estimate $152M.
Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (RPAY)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $219M | $279M | $297M | $313M | $309M | $338M |
| Gross profit | $164M | $214M | $227M | $241M | $232M | — |
| Operating income | -$54.0M | -$47.2M | -$111M | -$7.8M | -$255M | -$149M |
| Net income | -$50.1M | $12.8M | -$110M | -$10.2M | -$257M | -$167M |
| EPS (diluted) | -$0.60 | $0.12 | -$1.23 | -$0.11 | -$3.00 | — |
| Free cash flow | $50.5M | $71.0M | $103M | $149M | $90.8M | $110M |
| Gross margin | 74.7% | 76.8% | 76.5% | 77.1% | 75.0% | — |
| Operating margin | -24.6% | -16.9% | -37.6% | -2.5% | -82.4% | -44.2% |
| Net margin | -22.8% | 4.6% | -37.2% | -3.2% | -83.0% | -49.6% |
| Revenue growth | +41.4% | +27.4% | +6.2% | +5.5% | -1.2% | — |
| Cash + short-term investments | $50.0M | $64.9M | $118M | $190M | $116M | — |
| Total debt | $448M | $451M | $434M | $497M | $427M | — |
Fiscal years end Dec. EPS is split-adjusted.
Valuation (price ÷ last four quarters, through Jun 30, 2026) (RPAY)
P/S 1.1x · EV/Sales 3.1x · P/FCF 3.5x · P/B 0.8x · FCF yield 28.25% · Earnings yield -42.96% · Net debt $669M · EV $1.06B
Insider sales (SEC Form 4, open-market, last ~7 months) (RPAY)
2 of 2 under a Rule 10b5-1 trading plan (scheduled in advance). Unplanned sales were timed by the insider.
| Trade date | Insider | Role | Shares | Value | % of holdings sold | 10b5-1 plan | Insider type |
|---|---|---|---|---|---|---|---|
| 2026-10-13…2026-10-15 | Dempsey Tyler B | General Counsel | 13,888 | $56K | 3.1% | Yes (adopted June 16, 2026) | Too little history (no open-market trades in 2024 or 2025) |
| 2026-09-17…2026-09-21 | Dempsey Tyler B | General Counsel | 36,112 | $142K | 7.4% | Yes (adopted June 16, 2026) | Too little history (no open-market trades in 2024 or 2025) |
% of holdings sold = shares sold ÷ (shares sold + all holdings the insider reported on that Form 4, direct and through trusts).
Insider type follows Cohen, Malloy & Pomorski (Journal of Finance, 2012). An insider who traded the stock in the same calendar month in each of the past three years is a routine trader; one who traded in each of those years without such a pattern is an opportunistic trader. In their study, trades by opportunistic insiders predicted future returns and trades by routine insiders did not. Counts open-market purchases and sales only (SEC Form 4 codes P and S) by that insider in that company. Not investment advice.
Analysts (RPAY)
Consensus Buy (mean 2.20 on a 1–5 scale), 5 analysts; mean target USD 6.85 (low 4.25, high 10).
Rating changes, last 120 days:
| Date | Firm | Action | Rating | Price target |
|---|---|---|---|---|
| 2026-10-16 | Canaccord Genuity | Maintained | Buy | $8 |
| 2026-08-19 | Canaccord Genuity | Maintained | Buy | $8 |
| 2026-07-15 | DA Davidson | Maintained | Buy | $6 |
Total return (dividends reinvested) (RPAY)
| 1Y (from 2025-10-30) | 5Y (from 2021-10-25) | |
|---|---|---|
| Total return | -0.5% | -79.0% |
| S&P 500 (SPY) | +14.4% | +79.1% |
| Per year | -0.5% | -26.7% |
| Volatility (annualized) | 68.3% | 56.0% |
| Max drawdown | -46.0% (Oct 2025→Apr 2026) | -87.7% (Oct 2021→Mar 2026) |
RPAY earnings history and stock reaction
| Results filed | Quarter | EPS | Consensus | Surprise | Stock reaction |
|---|---|---|---|---|---|
| Aug 10, 2026 | Quarter ended Jun 30, 2026 | $0.20 | $0.21 | Miss −4.8% | -6.3% |
| May 4, 2026 | Quarter ended Mar 31, 2026 | $0.22 | $0.21 | Beat +4.8% | -7.5% |
| Apr 27, 2026 | Quarter ended Mar 31, 2026 | $0.22 | $0.21 | Beat +4.8% | +10.9% |
| Mar 9, 2026 | Quarter ended Dec 31, 2025 | $0.19 | $0.21 | Miss −9.5% | +3.4% |
| Nov 10, 2025 | Quarter ended Sep 30, 2025 | $0.21 | $0.21 | In line | -0.3% |
| Aug 11, 2025 | — | — | — | — | +3.9% |
| May 12, 2025 | — | — | — | — | +0.3% |
| Mar 3, 2025 | — | — | — | — | -15.3% |
EPS as reported against the analyst consensus before the release; surprise uses the cent-rounded figures shown (in dollars when EPS and consensus have opposite signs). Stock reaction = close before the results to close after (the first close following a release after the bell or before the open).
RPAY recent SEC filings (last 120 days)
| Filed | Form | What it says |
|---|---|---|
| Aug 17, 2026 | 8-K/A | Current report |
| Aug 14, 2026 | Schedule 13G | American Century Investment Management, Inc., American Century Companies, Inc.: 6.8% of shares, passive 5%+ holder |
| Aug 13, 2026 | Schedule 13G/A | AQR Capital Management, LLC, AQR Capital Management Holdings, LLC: 5.0% of shares, passive 5%+ holder (amended) |
| Aug 10, 2026 | 10-Q | Quarterly report · period ended Jun 30, 2026 |
| Aug 10, 2026 | 8-K | Quarterly results; Regulation FD disclosure |
| Jul 15, 2026 | Schedule 13D/A | BT Parent GP, LLC, Beckham Aggregator, L.P.: 9.4% of shares, 5%+ holder that may seek to influence the company (amended) |
| Jul 14, 2026 | 8-K | Entered a material agreement; Director or executive officer change, or pay arrangement; Regulation FD disclosure “On July 13, 2026, Repay Holdings Corporation (the "Company") entered into a Cooperation Agreement (the "Cooperation Agreement") with PCP Managers II, L.P. Pursuant to the Cooperation Agreement, the Board of Directors of the Company (the "Board") (i) increased the size of the Board from six (6) to seven (7) members and (ii) appointed Zachary F. Sadek to the Board to fill the newly created vacancy resulting from the increase in the size of the Board, effective July 13, 2026, with an initial term expiring at the…” |
Source: SEC EDGAR. Quotes are the opening words of each item as filed; each form links to the filing. Insider Form 4 filings are listed in the insider sections.
RPAY revenue by business segment (quarter ended Jun 30, 2026)
| Line | Revenue | Share of total | YoY |
|---|---|---|---|
| Consumer Payments | $93.7M | 93.1% | +33.0% |
| Business Payments | $14.5M | 14.4% | +32.3% |
| Total revenue | $100.7M | 100% | — |
As tagged by the company in its SEC 10-Q / 10-K filings (XBRL).
RPAY suppliers, customers and competitors (named in its 10-K)
| Relationship | Company | Sentence in the filing |
|---|---|---|
| Supplier | GLOBAL PAYMENTS INC (GPN) | “When we facilitate a transaction as a merchant acquirer, we utilize third party processors primarily for authorization such as Global Payments, Inc. Under such processing arrangements, the third-party processors and vendors receive processing fees, which are typically based on the number of transactions processed.” |
| Supplier | Wex | “When we facilitate a client's payment to its suppliers or vendors, we typically utilize the services of third party program managers, such as Wex Inc., who have arrangements with banks to operate card issuance programs.” |
| Partner | Visa (V) | “Our member bank partners sponsor our adherence to the rules and standards of the payment networks and enable us to route transactions under the sponsor banks' control and identification numbers (for example, known as BIN for Visa and ICA for MasterCard) across the card and ACH networks to authorize and clear transactions.” |
Quoted from the company's 10-K filed Mar 9, 2026.
RPAY company outlook (results filed Aug 10, 2026)
- “Outlook that includes KUBRA contributions Strong Execution towards Run-Rate Synergies ATLANTA, August 10, 2026 -- Repay Holdings Corporation (NASDAQ: RPAY) ("REPAY" or the "Company"), a leading provider of bill payment solutions, today reported financial results for its second quarter ended June 30, 2026.”
Quoted word-for-word from the SEC 8-K results press release.
RPAY analyst estimates and revisions
| Period | EPS estimate | 90 days ago | Change | Revenue estimate | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends Sep 2026) | $0.24 | $0.23 | +2.9% | $152.0M | 5 |
| Next quarter (ends Dec 2026) | $0.26 | $0.25 | +5.4% | $157.8M | 5 |
| Current fiscal year (ends Dec 2026) | $0.93 | $0.94 | -1.6% | $491.3M | 5 |
| Next fiscal year (ends Dec 2027) | $1.06 | $1.11 | -4.5% | $626.9M | 4 |
RPAY options: expected move
Options price a move of about ±31.1% (±$1.35) by Dec 18, 2026, which includes earnings on Nov 9, 2026. Over the last 8 reports the stock moved ±6% on average.
| Expiration | Days | ATM implied volatility | Expected move |
|---|---|---|---|
| Dec 18, 2026 | 50 | 89.0% | ±31.1% |
30-day implied volatility 72.2% vs 38.7% realized over the last 30 trading days. Put/call ratio (volume) 0. Cboe delayed quotes (15 min). Expected move = at-the-money straddle.
Key Statistics (as of October 29, 2026 at 21:21 UTC)
| Price | USD 4.42 |
|---|---|
| Change | ▲ 0.00% (up) |
| Previous Close | USD 4.42 |
| Open | USD 4.37 |
| Day Range | USD 4.28 – 4.54 |
| 52-Week Range | USD 2.3 – 4.87 |
| Volume | 509,748 shares |
| Market Cap | $389.78M |
| Exchange | NCM |
Technical Analysis (RPAY)
Nexqual's technical model rates RPAY "BUY" based on 5 bullish and 1 bearish signals across 127 daily candles, as of October 29, 2026 at 21:21 UTC.
| Overall Signal | BUY |
|---|---|
| RSI (14) | 66.12 (neutral) |
| vs SMA50 | Above (USD 3.89) |
| MACD | 0.15 (positive) |
Analyst Ratings (RPAY)
Wall Street analysts rate RPAY "Buy" based on 5 analysts, with a mean price target of USD 6.85 (range USD 4.25–10), per Nexqual as of October 29, 2026 at 21:21 UTC.
| Consensus Rating | Buy |
|---|---|
| Analyst Count | 5 |
| Mean Target | USD 6.85 |
| High Target | USD 10 |
| Low Target | USD 4.25 |
| Buy / Hold / Sell | 4 / 1 / 0 |
Earnings (RPAY)
| Next Earnings Date | 2026-11-09 |
|---|---|
| EPS Estimate | USD 0.24 |
| Revenue Estimate | $151.97M |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-06-30 | USD 0.2 vs est 0.21 ▼ miss |
| 2026-03-31 | USD 0.22 vs est 0.21 ▲ beat |
| 2025-12-31 | USD 0.19 vs est 0.21 ▼ miss |
| 2025-09-30 | USD 0.21 vs est 0.21 ▼ miss |
Source: Nexqual, October 29, 2026 at 21:21 UTC.
Financials & Fundamentals (RPAY)
| Total Revenue | $337.81M |
|---|---|
| Revenue Growth (latest quarter, YoY) | +33.20% |
| Gross Margin | +73.49% |
| Operating Margin | -3.23% |
| Profit Margin | -49.57% |
| ROE | -31.83% |
| Debt / Equity | 1.65 |
| Current Ratio | 1.45 |
| Total Cash | $83.66M |
| Total Debt | $772.84M |
| Free Cash Flow (last four quarters to Jun 2026, SEC 10-Q / 10-K) | $110.09M (32.6% of revenue) |
Source: Nexqual, October 29, 2026 at 21:21 UTC.
Financial Health Score (RPAY)
Nexqual rates Repay Holdings Corporation's overall financial health "Mixed" across five dimensions, as of October 29, 2026 at 21:21 UTC.
| Growth | Weak — Revenue -1% YoY (annual), declining |
|---|---|
| Profitability | Solid — Gross margin 73%, operating -44% (last 4 quarters to Jun 2026, SEC) |
| Balance Sheet | Weak — $84M cash and investments vs $753M debt (Jun 2026, SEC) |
| Cash Flow | Strong — FCF $110M (last 4 quarters to Jun 2026, SEC), 33% margin |
| Efficiency | Critical — ROE -35%, ROA -10.4% (last 4 quarters, SEC) |
Ownership (RPAY)
| Insider Ownership | +12.23% |
|---|---|
| Institutional Ownership | +100.85% |
| Shares Outstanding | 82.90M |
| Float | 42.35M |
| Short % of Float | +6.44% |
Source: Nexqual, October 29, 2026 at 21:21 UTC.
Leadership (RPAY)
Repay Holdings Corporation is led by John Andrew Morris Sr., CEO, Co-Founder & Director, per Nexqual as of October 29, 2026 at 21:21 UTC.
| CEO, Co-Founder & Director | John Andrew Morris Sr. |
|---|---|
| Chief Financial Officer | Robert Scott Houser |
| Chief Technology Officer | David M. Guthrie |
| Executive Vice President of Human Resources | Naomi Barnett |
| Executive Vice President of Business Payments | Darin Horrocks |
Major Backers & Investors (RPAY)
Notable institutional backers of Repay Holdings Corporation include Forager Capital Management, LLC, Veradace Capital Management, LLC, Private Management Group, Inc., according to Nexqual as of October 29, 2026 at 21:21 UTC.
Active Investors
| Investor | Stake |
|---|---|
| Forager Capital Management, LLC | 12.36% |
| Veradace Capital Management, LLC | 8.02% |
| Private Management Group, Inc. | 7.24% |
| American Century Companies Inc | 6.81% |
| AQR Capital Management, LLC | 5.01% |
| Pacific Ridge Capital Partners, LLC | 2.49% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| BlackRock | 6.97% |
| Vanguard Group | 3.43% |
| Dimensional Fund Advisors | 3.2% |
| State Street | 2.19% |
Source: Nexqual, October 29, 2026 at 21:21 UTC.
From Repay Holdings Corporation's Latest SEC 10-K Filing (filed 2026-03-09)
Key Strengths & Strategy (as disclosed to the SEC)
- We believe that we have developed an effective operations system, including our proprietary onboarding, compliance and client oversight processes, which is structured to enhance the performance of our platform and support our clients.
- We have developed proprietary onboarding, compliance, and client oversight processes, of which our Compliance Management System ("CMS") is a part.
- We routinely engage independent third parties to audit our compliance with applicable security and regulatory frameworks, including the Payment Card Industry Data Security Standard ("PCI DSS"), Service Organization Control reports ("SOC1 Type II," "SOC2 Type II"), and the Health Insurance Portability and Accountability Act ("HIPAA"), where applicable.
- We also compete in our Consumer Payments segment against many traditional merchant acquirers, such as financial institutions, affiliates of financial institutions and payment processing companies, including Bank of America Merchant Services, Elavon (a subsidiary of U.S.
Partnerships
- If a client exceeds the parameters established by our underwriting and/or risk management team or we determine that a client has violated the payment network rules or the terms of its service agreement with us, one of our team members will identify and document the incident.
Legal & Regulatory Risks (Item 1A, quoted)
- Laws and regulations, even if not directed at us, may require us to take significant efforts to change our services and solutions and may require that we incur additional compliance costs and change how we price our products and services to our clients and software integration partners.
- Our efforts to comply with these laws and regulations could be costly and result in diversion of management time and effort and may still not guarantee compliance.
- The businesses of many of our clients are strictly regulated in every jurisdiction in which they operate, and such regulations, and our clients' failure to comply with them, could have an adverse effect on our clients' businesses and, as a result, our results of operations.
- The combination of these factors could materially adversely affect the business of our clients and may force our consumer lender or receivables management clients to change their business models.
Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| PAY | Paymentus Holdings, Inc. | USD 32.26 | ▲ 2.02% |
| BLSH | Bullish | USD 28.47 | ▼ 0.9% |
| CORZ | Core Scientific, Inc. | USD 14.43 | ▼ 3.8% |
| RELY | Remitly Global, Inc. | USD 24.64 | ▲ 1.52% |
| BB | BlackBerry Limited | USD 9.19 | ▼ 2.23% |
| ACIW | ACI Worldwide, Inc. | USD 55.7 | ▲ 0.91% |
Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 29, 2026 at 21:21 UTC. This page is informational and not investment advice.
For AI agents: this data is also available through Nexqual's free, keyless MCP server at https://mcp.nexqual.com/mcp; every result includes source_url, as_of and cite_as. More: nexqual.com/agents · llms.txt