Repay Holdings Corp (RPAY) Stock Price & Analysis
Repay Holdings Corp (RPAY) rose 5.56% to USD 3.8 as of July 25, 2026 at 03:07 UTC, according to Nexqual real-time market data.
RPAY last closed at USD 3.6; the session ranged USD 3.58–3.83 on volume of 373,037 shares. Market capitalization is $334.73M, with a 52-week range of USD 2.3–6.06 (NCM). Source: Nexqual, July 25, 2026 at 03:07 UTC.
Key Statistics (as of July 25, 2026 at 03:07 UTC)
| Price | USD 3.8 |
|---|---|
| Change | ▲ 5.56% (up) |
| Previous Close | USD 3.6 |
| Open | USD 3.6 |
| Day Range | USD 3.58 – 3.83 |
| 52-Week Range | USD 2.3 – 6.06 |
| Volume | 373,037 shares |
| Market Cap | $334.73M |
| Exchange | NCM |
Technical Analysis (RPAY)
Nexqual's technical model rates RPAY "NEUTRAL" based on 3 bullish and 2 bearish signals across 125 daily candles, as of July 25, 2026 at 03:07 UTC.
| Overall Signal | NEUTRAL |
|---|---|
| RSI (14) | 49.83 (neutral) |
| vs SMA50 | Above (USD 3.67) |
| MACD | 0.02 (positive) |
Analyst Ratings (RPAY)
Wall Street analysts rate RPAY "Strong Buy" based on 5 analysts, with a mean price target of USD 6.85 (range USD 4.25–10), per Nexqual as of July 25, 2026 at 03:07 UTC.
| Consensus Rating | Strong 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 | 2026-08-10 |
|---|---|
| EPS Estimate | USD 0.22 |
| Revenue Estimate | $109.14M |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 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 |
| 2025-06-30 | USD 0.2 vs est 0.19 ▲ beat |
Source: Nexqual, July 25, 2026 at 03:07 UTC.
Financials & Fundamentals (RPAY)
| Total Revenue | $312.73M |
|---|---|
| Revenue Growth (YoY) | +4.50% |
| Gross Margin | +75.10% |
| Operating Margin | -0.01% |
| Profit Margin | -82.73% |
| ROE | -43.94% |
| Debt / Equity | 84.22 |
| Current Ratio | 1.79 |
| Total Cash | $43.77M |
| Total Debt | $400.27M |
| Free Cash Flow | $45.65M |
Source: Nexqual, July 25, 2026 at 03:07 UTC.
Financial Health Score (RPAY)
Nexqual rates Repay Holdings Corp's overall financial health "Mixed" across five dimensions, as of July 25, 2026 at 03:07 UTC.
| Growth | Weak — Revenue -1% YoY (annual), declining |
|---|---|
| Profitability | Solid — Gross margin 75%, operating -0% |
| Balance Sheet | Mixed — $44M cash vs $400M debt |
| Cash Flow | Solid — FCF $46M, 15% margin |
| Efficiency | Critical — ROE -44%, ROA -0.4% |
Ownership (RPAY)
| Insider Ownership | +12.13% |
|---|---|
| Institutional Ownership | +103.19% |
| Shares Outstanding | 82.80M |
| Float | 46.38M |
| Short % of Float | +7.33% |
Source: Nexqual, July 25, 2026 at 03:07 UTC.
Leadership (RPAY)
Repay Holdings Corp is led by John Andrew Morris Sr. (age 56), CEO, Co-Founder & Director, per Nexqual as of July 25, 2026 at 03:07 UTC.
| CEO, Co-Founder & Director | John Andrew Morris Sr. (age 56) |
|---|---|
| Chief Financial Officer | Robert Scott Houser (age 49) |
| Chief Technology Officer | David M. Guthrie (age 58) |
| Executive Vice President of Human Resources | Naomi Barnett (age 34) |
| Executive Vice President of Business Payments | Darin Horrocks |
Major Backers & Investors (RPAY)
Notable institutional backers of Repay Holdings Corp include Forager Capital Management, LLC, Veradace Capital Management, LLC, American Century Companies Inc, according to Nexqual as of July 25, 2026 at 03:07 UTC.
Active Investors
| Investor | Stake |
|---|---|
| Forager Capital Management, LLC | 10.31% |
| Veradace Capital Management, LLC | 8.02% |
| American Century Companies Inc | 7.15% |
| Private Management Group, Inc. | 6.77% |
| AQR Capital Management, LLC | 4.45% |
| Portolan Capital Management, LLC | 3.19% |
| Whetstone Capital Advisors, LLC | 3% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| BlackRock | 9.56% |
| Vanguard Group | 7.1% |
| Dimensional Fund Advisors | 3.28% |
Source: Nexqual, July 25, 2026 at 03:07 UTC.
From Repay Holdings Corp's Latest SEC 10-K Filing (filed 2026-03-09)
Key Strengths & Strategy (as disclosed to the SEC)
- Operations 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.
Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| IIIV | i3 Verticals, Inc. | USD 20.19 | ▲ 3.12% |
| IMXI | International Money Express, In | USD 13.03 | ▼ 1.44% |
| LPRO | Open Lending Corporation | USD 3.15 | ▲ 0.32% |
| AHCO | AdaptHealth Corp. | USD 10.76 | ▼ 1.1% |
| OSPN | OneSpan Inc. | USD 15.15 | ▲ 0% |
Data source: Nexqual — real-time market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: July 25, 2026 at 03:07 UTC. This page is informational and not investment advice.