your badges 52W Range $2–$5 51% of range Analyst Rating BUY 11 analysts Price Target $7 +79% upside P/E -1.9 ROE -30.3% Net Profit Margin -49.6%

RPAY Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range

03
Price $3.82
P/E (TTM) -1.9
EPS (TTM) $-2.01
Revenue (TTM) $338M
ROE (TTM) -30.3%
Debt/Equity (MRQ) 1.6
52W Range $2–$5

RPAY Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view

04
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10-Year Performance Revenue, net income, margins and EPS trends

06
Revenue$309M
2017-12-31 → 2025-12-31
EPS$-3.00
2020-12-31 → 2025-12-31
Free Cash Flow·
2021-12-31 → 2024-12-31
Net margin-49.6%
2021-12-31 → 2024-12-31
Valuation & Ratios 07–12

Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?

Metric 5Y trend RPAY 5Y avg Peer Median Verdict
P/E (TTM) -1.95Y avg ≈-8.2 ≈-8.2 · ·

Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.

value · ≈ 5Y avg · industry median · verdict relative to median

Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date

14
Avg Surprise -4.3%
Next Report Nov 09, 2026
PeriodReportEPS ActualEPS EstSurprise
June 30, 2026 Aug 12, 2026 $0.20 $0.22 -8.8%
March 31, 2026 May 13, 2026 $0.22 $0.21 2.7%
Dec. 31, 2025 $0.19 $0.21 -11.3%
Sept. 30, 2025 $0.21 $0.22 -3.3%
June 30, 2025 $0.20 $0.20 -2.2%
March 31, 2025 $0.22 $0.23 -2.7%

Full Fundamentals All metrics by year — income statement, balance sheet, cash flow

15
Income Statement 16
Metric Trend 202520242023202220212020201920182017
Revenue $309M$313M$297M$279M$219M$155M$105M$130M$94M
Cost of Revenue $77M$72M$70M$65M$55M$41M···
Gross Profit $232M$241M$227M$214M$164M$114M···
SG&A Expense $142M$145M$149M$149M$120M$87M$97M$29M$15M
Operating Expenses $564M$321M$408M$326M$273M$187M$153M$113M$78M
Operating Income $-255M$-8M$-111M$-47M$-54M$-32M$-48M$17M$16M
Interest Income $4M$6M$3M$130.0K···$3M·
Other Non-op $-216.0K$138.0K$-455.0K$-510.0K$-9M$-98M·$-1.1K$-1M
Pretax Income $-277M$-11M$-120M$15M$-87M$-130M·$11M$9M
Income Tax $-6M$-575.0K$-2M$6M$-31M$-12M···
Net Income $-257M$-10M$-110M$13M$-50M$-106M·$11M$9M
EPS (Basic) $-3.00$-0.11$-1.23$0.14$-0.60$-2.02···
EPS (Diluted) $-3.00$-0.11$-1.23$0.12$-0.60$-2.02···
Shares (Basic) 85,558,300,00089,915,137,00090,048,638,00088,792,453,00083,318,189,00052,180,911,000···
Shares (Diluted) 85,558,300,00089,915,137,00090,048,638,000110,671,731,00083,318,189,00052,180,911,000···
EBITDA ·$-8M$-111M$-47M$-54M·$-48M$-1M·
Balance Sheet 27
Metric Trend 202520242023202220212020201920182017
Cash & Equivalents $116M$190M$118M$65M$50M$91M$25M$13M$25.8K
Receivables $33M$33M$36M$34M$33M$21M$14M$6M·
Prepaid Expense $19M$17M$15M$18M$12M$7M$5M$817.2K·
Current Assets $197M$275M$181M$117M$96M$119M$44M$20M$25.8K
PP&E (Net) $1M$2M$3M$4M$4M$2M$2M$1M·
PP&E (Gross) $6M$6M$10M$10M$7M$3M$2M$2M·
Accum. Depreciation $5M$4M$7M$5M$3M$2M$416.0K$556.8K·
Goodwill $475M$717M$717M$828M$824M$459M$390M$120M$120M
Intangibles $330M$389M$447M$501M$578M$369M$312M$68M·
Other Non-current Assets $5M$2M$2M$2M$2M·$555.4K··
Total Assets $1.20B$1.57B$1.52B$1.63B$1.69B$1.11B$782M$219M$176.3K
Accounts Payable $25M$29M$22M$22M$20M$12M$10M$3M·
Accrued Liabilities $53M$56M$33M$29M$27M$19M$16M$13M·
Short-term Debt ········$156.6K
Current Liabilities $241M$102M$57M$82M$92M$65M$52M$21M$156.6K
Capital Leases $9M$11M$7M$8M$9M$9M···
Deferred Tax ······$768.3K··
Other Non-current Liabilities $1M$2M$2M$2M$2M$11M$16.9K$16.9K·
Total Liabilities $718M$799M$689M$699M$773M$554M$362M$110M$156.6K
Long-term Debt $280M$497M$434M$451M$448M$257M$213M$94M·
Total Debt ·$497M$434M$451M$448M·$213M··
Paid-in Capital ·······$3M$24.4K
Retained Earnings $-591M$-334M$-324M$-213M$-226M$-176M$-70M$2M$-5.3K
Treasury Stock $92M$54M$13M$10M·····
AOCI ··$-3.0K$-3.0K$-2.0K$-6M$313.4K··
Stockholders' Equity $484M$761M$815M$895M$874M$509M$214M$5M$19.7K
Liabilities + Equity $1.20B$1.57B$1.52B$1.63B$1.69B$1.11B$782M$219M$176.3K
Cash Flow 15
Metric Trend 202520242023202220212020201920182017
D&A $102M$104M$104M$108M$90M$61M$30M$10M$7M
Stock-based Comp $18M$24M$22M$20M$22M$19M·$797.0K$622.4K
Deferred Tax $-6M$-2M$-4M$4M$-31M$-12M···
Amort. of Intangibles $101M$102.0K$101.4K$105M$88M$60M·$10M$7M
Operating Cash Flow $91M$150M$104M$74M$53M$28M·$24M$21M
CapEx $286.0K$989.0K$733.0K$3M$3M$994.0K·$913.5K$448.6K
Investing Cash Flow $-42M$-45M$-24M$-40M$-397M$-146M·$-6M$-3M
Debt Issued ·$288M··$460M$60M··$59M
Net Debt Issued ·$82M$-20M·$197M····
Stock Repurchased ··$2M$3M$4M$1M···
Net Stock Activity ··$-2M$-3M·····
Financing Cash Flow $-130M$-13M$-29M$-17M$314M$186M·$-8M$-9M
Net Change in Cash $-81M$93M$51M$17M$-30M$69M·$10M$9M
Taxes Paid $2M$3M$1M······
Free Cash Flow ·$149M$103M$71M$50M····
Profitability 8
Metric Trend 202520242023202220212020201920182017
Gross Margin ·77.1%76.5%76.8%·····
Operating Margin ·-2.5%-37.6%-16.9%-24.6%·-46.1%··
Net Margin ·-3.2%-37.2%4.6%-22.8%····
Pretax Margin ·-3.5%-40.3%5.3%-39.6%····
EBITDA Margin ·-2.5%-37.6%-16.9%-24.6%·-46.1%··
ROA ·-0.66%-7.0%0.77%-3.6%··1.2%·
ROE ·-1.3%-12.9%1.5%-5.8%··60.7%·
ROIC ·-0.59%-8.8%-2.1%-2.6%····
Liquidity & Solvency 4
Metric Trend 202520242023202220212020201920182017
Current Ratio ·2.72.91.41.0·0.80.7·
Quick Ratio ·2.22.71.20.9·0.70.3·
Debt / Equity ·0.70.50.50.5·0.8··
LT Debt / Equity ·0.70.50.50.5·0.8··
Efficiency 2
Metric Trend 202520242023202220212020201920182017
Asset Turnover ·0.20.20.20.2·0.2··
Receivables Turnover ·9.18.58.48.0·10.4··
Per Share 3
Metric Trend 202520242023202220212020201920182017
Revenue / Share ·$0.00$0.00$0.00·····
Cash Flow / Share ·$0.00$0.00$0.00·····
EPS (TTM) $-3.00$-0.11$-1.23$0.12$-0.60$-2.02···
Growth Rates 3
Metric Trend 202520242023202220212020201920182017
Revenue YoY -1.2%5.5%6.2%27.4%41.4%····
Revenue CAGR 3Y 3.5%12.6%24.1%······
Revenue CAGR 5Y 14.8%········
Valuation (TTM) 4
Metric Trend 202520242023202220212020201920182017
Revenue TTM $309M$313M$297M$279M$219M$155M$105M$130M·
Net Income TTM $-257M$-10M$-110M$13M$-50M$-106M$-23M$11M·
P/E -1.2-69.4-6.967.1-30.4-13.5···
Earnings Yield -82.2%-1.4%-14.4%1.5%-3.3%-7.4%···

Most recent period on the left · null values shown as ·

Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years

16
Metric 2025-12-312024-12-312023-12-312022-12-312021-12-31
Revenue $309M $313M $297M $279M $219M
Gross Margin % · 77.1% 76.5% 76.8% ·
Operating Margin % · -2.5% -37.6% -16.9% -24.6%
Net Income $-257M $-10M $-110M $13M $-50M
Diluted EPS $-3.00 $-0.11 $-1.23 $0.12 $-0.60

Institutional owners (13F) 148 filers · $322.4M total · As of June 30, 2026

17

Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.

Holders 148
Value held $322.4M
New positions 18
Exited positions 18
Institutional activity — Q2 2026 vs prior quarter
New positions Exited positions Increased Decreased Net shares change
18 (-12 vs prior Q) 18 (-9 vs prior Q) 60 (+9 vs prior Q) 43 (-5 vs prior Q) -166K

Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.

Institution Value Shares % of tracked 13F Type
Forager Capital Management, LLC $46,647,502 11,106,548 14.47% Shares
Veradace Capital Management LLC $30,272,298 7,207,690 9.39% Shares
PRIVATE MANAGEMENT GROUP INC $27,340,652 6,509,679 8.48% Shares
BlackRock, Inc. $26,312,929 6,264,983 8.16% Shares
AMERICAN CENTURY COMPANIES INC $25,708,276 6,121,018 7.97% Shares
AQR CAPITAL MANAGEMENT LLC $18,895,768 4,498,993 5.86% Shares
VANGUARD GROUP INC $16,771,859 4,595,030 5.20% Shares
VANGUARD CAPITAL MANAGEMENT LLC $12,951,926 3,083,792 4.02% Shares
DIMENSIONAL FUND ADVISORS LP $12,072,095 2,874,200 3.74% Shares
Pacific Ridge Capital Partners, LLC $9,411,100 2,240,738 2.92% Shares
STATE STREET CORP $8,256,969 1,965,945 2.56% Shares
GEODE CAPITAL MANAGEMENT, LLC $7,474,275 1,779,170 2.32% Shares
Sovereign's Capital Management, LLC $7,112,136 1,692,881 2.21% Shares
D. E. Shaw & Co., Inc. $4,070,338 969,128 1.26% Shares
MORGAN STANLEY $3,864,820 920,195 1.20% Shares
VANGUARD PORTFOLIO MANAGEMENT LLC $3,622,109 862,407 1.12% Shares
DEUTSCHE BANK AG\ $3,294,337 784,366 1.02% Shares
BANK OF MONTREAL /CAN/ $3,215,234 765,532 1.00% Shares
Whetstone Capital Advisors, LLC $3,211,627 764,673 1.00% Shares
GOLDMAN SACHS GROUP INC $2,892,700 688,738 0.90% Shares
BARCLAYS PLC $2,797,969 666,183 0.87% Shares
Kent Lake PR LLC $2,615,000 500,000 0.81% Shares
BRIDGEWAY CAPITAL MANAGEMENT, LLC $2,599,712 618,979 0.81% Shares
Aequim Alternative Investments LP $2,429,633 578,484 0.75% Shares
CHARLES SCHWAB INVESTMENT MANAGEMENT INC $2,319,475 552,256 0.72% Shares
NORTHERN TRUST CORP $2,226,034 530,008 0.69% Shares
FMR LLC $2,124,594 505,856 0.66% Shares
Empowered Funds, LLC $2,095,712 498,979 0.65% Shares
VANGUARD FIDUCIARY TRUST CO $1,915,334 456,032 0.59% Shares
Villanova Investment Management Co LLC $1,873,250 446,012 0.58% Shares
BNP PARIBAS FINANCIAL MARKETS $1,680,109 400,026 0.52% Shares
BANK OF AMERICA CORP /DE/ $1,678,413 399,622 0.52% Shares
Vanguard Global Advisers, LLC $1,399,650 333,250 0.43% Shares
IEQ CAPITAL, LLC $1,223,305 291,263 0.38% Shares
Invesco Ltd. $1,114,857 265,442 0.35% Shares
PANAGORA ASSET MANAGEMENT INC $974,270 231,969 0.30% Shares
Bank of New York Mellon Corp $841,789 200,426 0.26% Shares
Nuveen, LLC $807,622 192,291 0.25% Shares
Cubist Systematic Strategies, LLC $789,748 151,003 0.24% Shares
CANADA PENSION PLAN INVESTMENT BOARD $780,780 185,900 0.24% Shares
Mariner, LLC $747,237 177,901 0.23% Shares
CONTINENTAL ADVISORS LLC $710,766 169,230 0.22% Shares
Walleye Capital LLC $681,883 162,353 0.21% Shares
UBS Group AG $669,287 159,354 0.21% Shares
Numerai GP LLC $653,722 155,648 0.20% Shares
CWM, LLC $497,601 191,385 0.15% Shares
JOHNSON INVESTMENT COUNSEL INC $495,033 117,865 0.15% Shares
Inspire Investing, LLC $487,352 187,443 0.15% Shares
Creative Planning $478,771 113,993 0.15% Shares
HSBC HOLDINGS PLC $441,949 105,226 0.14% Shares

Show all 148 institutional owners →

Activists & 5%+ owners 6 positions

18

Investors who filed SEC Schedule 13D — beneficial ownership above 5% with an intent to influence the issuer (activist stakes, board campaigns, M&A). Each row shows the most recent known state of that filer's position.

Filer Filed Stake Status Purpose Filing
BT Parent GP, LLC, Beckham Aggregator, L.P. ×2 filings July 15, 2026 9.38% Amendment · SEC
Forager Fund, L.P., Forager Capital Management, LLC, Edward Kissel, Robert MacArthur ×8 filings June 29, 2026 12.40% Amendment · SEC
Veradace Capital Management LLC, Veradace Partners LP, Alexander Vezendan, John Conlin ×3 filings June 4, 2026 8.20% Amendment Board campaign SEC
John A. Morris, Sr., JOSEH Holdings, LLC, JAM Family Investments, Inc. ×8 filings March 13, 2026 8.20% Amendment · SEC
Shaler Alias, Alias Holdings, LLC ×4 filings Sept. 30, 2020 · Initial filing · SEC
Corsair Capital LLC, CC Payment Holdings, L.L.C., Corsair IV Management AIV, L.P., Corsair IV Payment Holdings Partners, L.P., Corsair IV Management L.P., Corsair IV Payment Holdings Investors, L.P. ×5 filings Sept. 14, 2020 · Initial filing · SEC

Purpose is an automated classification of the filer's own stated purpose (SEC Item 4) — not investment advice. "—" means no clear purpose was stated or the text could not be classified.

Company insiders 25 insiders · 15 officers · 11 directors

19
Insider Role Last activity Shares owned Buys 12m Sells 12m Net 12m
John A. Morris, Sr. Chief Executive Officer March 19, 2026 F 2,204,370 0 0 $0
Robert Scott Houser Chief Financial Officer Sept. 8, 2026 F 303,171 0 0 $0
Timothy John Murphy Chief Financial Officer March 19, 2025 F 582,715 0 0 $0
Richard Jason Watkin President, KUBRA June 1, 2026 A 833,433 0 0 $0
Shaler Alias President Feb. 23, 2026 F 549,720 0 0 $0
Michael Frank Jackson Chief Operating Officer Nov. 17, 2022 S 54,769 0 0 $0
Tyler B Dempsey General Counsel Sept. 21, 2026 S 455,139 0 2 $-142,198
David M Guthrie Chief Technology Officer May 31, 2026 F 458,106 0 0 $0
Matthew Edward Morrow Executive Vice President May 12, 2026 A 260,416 0 0 $0
Thomas Eugene Sullivan Chief Accounting Officer May 7, 2026 F 244,664 0 0 $0
Naomi Barnett Executive Vice President March 19, 2026 F 293,909 0 0 $0
Jacob Hamilton Moore Executive Vice President Sept. 12, 2025 S 193,532 0 0 $0
Alexander M Cohen Executive Vice President Nov. 4, 2024 F 152,384 0 0 $0
Susan Perlmutter Chief Revenue Officer Nov. 17, 2022 F 191,380 0 0 $0
Jason Kirk Chief Technology Officer Nov. 19, 2021 F 164,182 0 0 $0
Zachary F Sadek Director July 31, 2026 A 42,500 0 0 $0
Emnet Legesse Rios Director June 10, 2026 A 147,398 0 0 $0
Maryann Goebel Director June 10, 2026 A 165,151 0 0 $0
Richard E Thornburgh Director June 10, 2026 A 181,751 0 1 $-15,750
Paul R Garcia Director June 10, 2026 A 230,951 0 0 $0
Peter J Kight Director June 10, 2026 A 1,744,034 0 0 $0
Robert Herman Hartheimer Director June 12, 2025 A 114,856 0 0 $0
William I Jacobs Director May 30, 2024 A 80,856 0 0 $0
Jeremy Schein Director Aug. 6, 2020 A 19,386 0 0 $0
Polar Securities Inc. 10% owner March 13, 2019 S 1,709,979 0 0 $0

Insiders from SEC Form 3/4/5 filings; net = open-market P/S only

ETF ownership Held by 22 ETFs

20

Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.

Fund Weight Units As of Source
SOVF · Elevation Series Trust 3.82% 834,335 NS July 31, 2026 N-PORT
VFVA · VANGUARD WELLINGTON FUND 0.16% 316,509 SH Aug. 19, 2026 Daily
IWC · iShares Trust 0.05% 220,376 SH Sept. 11, 2026 Daily
VTWV · VANGUARD SCOTTSDALE FUNDS 0.02% 56,857 SH Aug. 19, 2026 Daily
PRFZ · Invesco Exchange-Traded Fund Trust 0.02% 141,778 SH Oct. 2, 2026 Daily
DFSV · Dimensional ETF Trust 0.02% 328,508 NS July 31, 2026 N-PORT
DFAT · Dimensional ETF Trust 0.01% 379,624 NS July 31, 2026 N-PORT
VTWO · VANGUARD SCOTTSDALE FUNDS 0.01% 375,399 SH Aug. 19, 2026 Daily
PKW · Invesco Exchange-Traded Fund Trust 0.01% 42,861 SH Oct. 2, 2026 Daily
RSSL · Global X Funds 0.01% 31,162 NS July 31, 2026 N-PORT
IWM · iShares Trust 0.01% 1,778,433 SH Sept. 11, 2026 Daily
DCOR · Dimensional ETF Trust 0.00% 9,700 NS July 31, 2026 N-PORT
DXUV · Dimensional ETF Trust 0.00% 1,155 NS July 31, 2026 N-PORT
ITOT · iShares Trust 0.00% 115,371 SH Sept. 11, 2026 Daily
IWV · iShares Trust 0.00% 21,462 SH Sept. 3, 2026 Daily
DFAS · Dimensional ETF Trust 0.00% 3,381 NS July 31, 2026 N-PORT
VXF · VANGUARD INDEX FUNDS 0.00% 784,684 SH Aug. 19, 2026 Daily
VTI · VANGUARD INDEX FUNDS 0.00% 2,220,966 SH Aug. 19, 2026 Daily
VTHR · VANGUARD SCOTTSDALE FUNDS 0.00% 6,396 SH Aug. 19, 2026 Daily
DFAC · Dimensional ETF Trust 0.00% 1,328 NS July 31, 2026 N-PORT
VFH · VANGUARD WORLD FUND 0.00% 107,246 SH Aug. 19, 2026 Daily
IWN · iShares Trust · 633,562 SH Sept. 11, 2026 Daily

RPAY Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside

21
rating · 11 analysts BUY
Median target $6.00 +57.1%
2 18.2% Strong Buy
7 63.6% Buy
2 18.2% Hold
0 0.0% Sell
0 0.0% Strong Sell

12-Month Price Target

5 analysts · 2026-09-29

Mean target $6.85 +79.3%

← Below all targets Current price $3.82
Low$4.25 Mean$6.85 High$10.00

Peer comparison (GICS sub-industry) Key metrics vs sector peers

22

FY basis, prices as of each company's last fiscal year-end close.

Ticker Market Cap P/E Rev YoY Net Margin ROE Gross Margin
RPAY · -1.2 -1.2% · · ·
PAYS $284M 39.6 40.5% 9.2% 16.7% 59.4%
CASS $536M 15.9 5.3% 18.4% 14.5% ·
PRTH $446M 8.0 8.3% 5.8% -41.7% ·
IMXI · 14.2 -7.7% · · ·
RTB · · · · · ·
USIO $38M -15.1 3.0% -2.9% -13.7% 23.1%
XBP · · · · · ·

Latest News Recent headlines mentioning this company

23
UBS Raises its Price Target on Repay Holdings (RPAY) Yahoo Finance · 3 months, 3 weeks ago Repay Holdings (RPAY) Scales Up in Bill Payments and Customer Interactions; Analysts See 170%+ Upside Yahoo Finance · 5 months, 3 weeks ago

My Metrics Your personal watchlist — selected rows from Full Fundamentals

26

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Source: SEC 10-Q filed Aug 10, 2026