RPAY Snapshot del titolo Prezzo, capitalizzazione di mercato, P/E, EPS, ROE, debito/capitale proprio, intervallo 52 settimane

03

Prezzo $3.82

P/E (TTM) -1.9

EPS (TTM) $-2.01

Ricavi (TTM) $338M

ROE (TTM) -30.3%

D/E Debito/Patrimonio (MRQ) 1.6

Intervallo 52 sett. $2–$5

RPAY Grafico del prezzo delle azioni OHLCV giornaliero con indicatori tecnici — panoramica, zoom e personalizza la tua visualizzazione

04

intervallo

barre

La granularità delle barre si adatta al periodo selezionato — passa il mouse sul grafico per vedere apertura/massimo/minimo/chiusura di una barra.

Performance decennale Andamento di ricavi, utile netto, margini e EPS

06

Ricavi$309M

2017-12-31 → 2025-12-31

EPS$-3.00

2020-12-31 → 2025-12-31

Flusso di cassa libero·

2021-12-31 → 2024-12-31

Margine netto-49.6%

2021-12-31 → 2024-12-31

Valutazione e Rapporti 07–12

Valutazione Rapporti P/E, P/S, P/B, EV/EBITDA — il titolo è costoso o economico?

Metrica	Tendenza 5 anni	RPAY	media 5 anni	Mediana dei peer	Verdetto
P/E (TTM)		-1.9media 5 anni ≈-8.2	≈-8.2	·	·

La mediana dei peer viene calcolata su base standardizzata per metrica e potrebbe non corrispondere sempre alla base TTM/MRQ mostrata per questo titolo.

Redditività Margini lordi, operativi e netti; ROE, ROA, ROIC

Metrica	RPAY	media 5 anni	Mediana dei peer	Verdetto
Margine lordo (TTM)	73.5%media 5 anni ≈76.8%	≈76.8%	37.4%	Di prim'ordine
Margine Operativo (TTM)	-44.2%media 5 anni ≈-20.4%	≈-20.4%	4.1%	Debole
Margine ante imposte (TTM)	-53.6%media 5 anni ≈-19.5%	≈-19.5%	4.9%	Debole
Margine di Profitto Netto (TTM)	-49.6%media 5 anni ≈-14.7%	≈-14.7%	3.2%	Debole
ROA (TTM)	-11.1%media 5 anni ≈-2.6%	≈-2.6%	2.6%	Debole
ROE (TTM)	-30.3%media 5 anni ≈-4.6%	≈-4.6%	14.5%	Debole

Salute finanziaria Debito, liquidità, solvibilità — solidità del bilancio

Metrica	RPAY	media 5 anni	Mediana dei peer	Verdetto
Debito / Patrimonio Netto (MRQ)	1.6media 5 anni ≈0.6	≈0.6	0.4	Debito elevato
Rapporto corrente (MRQ)	1.4media 5 anni ≈2.0	≈2.0	1.1	Liquidità elevata
Debito a lungo termine / Patrimonio netto (MRQ)	1.6media 5 anni ≈0.6	≈0.6	0.3	Debito elevato

Crescita Crescita di ricavi, EPS e utile netto: YoY, CAGR 3Y, CAGR 5Y

Metrica	RPAY	media 5 anni	Mediana dei peer	Verdetto
Revenue YoY (Ricavi YoY)	-1.2%media 5 anni ≈15.9%	≈15.9%	·	·
Revenue CAGR 3Y (CAGR Ricavi 3Y)	3.5%media 5 anni ≈13.4%	≈13.4%	·	·
Revenue CAGR 5Y (CAGR Ricavi 5Y)	14.8%	·	·	·

Metriche per Azione EPS, valore contabile per azione, flusso di cassa per azione, dividendo per azione

Metrica	Tendenza 5 anni	RPAY	media 5 anni	Mediana dei peer	Verdetto
EPS (Diluted) (EPS (Diluito))		$-3.00media 5 anni ≈$-0.96	≈$-0.96	·	·

Efficienza del Capitale Rotazione delle attività, rotazione delle scorte, rotazione dei crediti

Metrica	Tendenza 5 anni	RPAY	media 5 anni	Mediana dei peer	Verdetto
Revenue / Employee (Ricavi / Dipendente)		≈$636.3K	·	·	·

valore · ≈ media 5 anni · mediana del settore · giudizio rispetto alla mediana

Cronologia utili EPS effettivo vs stima, surprise %, tasso di superamento, data prossimi utili

14

Sorpresa media -4.3%

Prossimo report Nov 09, 2026

Periodo	Rapporto	EPS Actual	EPS Stimato	Sorpresa
30 Giugno 2026	Ago 12, 2026	$0.20	$0.22	-8.8%
31 Marzo 2026	Mag 13, 2026	$0.22	$0.21	2.7%
31 Dicembre 2025		$0.19	$0.21	-11.3%
30 Settembre 2025		$0.21	$0.22	-3.3%
30 Giugno 2025		$0.20	$0.20	-2.2%
31 Marzo 2025		$0.22	$0.23	-2.7%

Fondamentali Completi Tutte le metriche per anno — conto economico, stato patrimoniale, rendiconto finanziario

15

Conto Economico 16

Metrica	2025	2024	2023	2022	2021	2020	2019	2018	2017
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)	85,558,300,000	89,915,137,000	90,048,638,000	88,792,453,000	83,318,189,000	52,180,911,000	·	·	·
Shares (Diluted)	85,558,300,000	89,915,137,000	90,048,638,000	110,671,731,000	83,318,189,000	52,180,911,000	·	·	·
EBITDA	·	$-8M	$-111M	$-47M	$-54M	·	$-48M	$-1M	·

Stato Patrimoniale 27

Metrica	2025	2024	2023	2022	2021	2020	2019	2018	2017
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

Flusso di cassa 15

Metrica	2025	2024	2023	2022	2021	2020	2019	2018	2017
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	·	·	·	·

Redditività 8

Metrica	2025	2024	2023	2022	2021	2020	2019	2018	2017
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%	·	·	·	·

Liquidità e Solvibilità 4

Metrica	2025	2024	2023	2022	2021	2020	2019	2018	2017
Current Ratio	·	2.7	2.9	1.4	1.0	·	0.8	0.7	·
Quick Ratio	·	2.2	2.7	1.2	0.9	·	0.7	0.3	·
Debt / Equity	·	0.7	0.5	0.5	0.5	·	0.8	·	·
LT Debt / Equity	·	0.7	0.5	0.5	0.5	·	0.8	·	·

Efficienza 2

Metrica	Tendenza	2025	2024	2023	2022	2021	2020	2019	2018	2017
Asset Turnover		·	0.2	0.2	0.2	0.2	·	0.2	·	·
Receivables Turnover		·	9.1	8.5	8.4	8.0	·	10.4	·	·

Per Azione 3

Metrica	2025	2024	2023	2022	2021	2020	2019	2018	2017
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	·	·	·

Tassi di Crescita 3

Metrica	2025	2024	2023	2022	2021	2020	2019	2018	2017
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%	·	·	·	·	·	·	·	·

Valutazione (TTM) 4

Metrica	2025	2024	2023	2022	2021	2020	2019	2018	2017
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	-6.9	67.1	-30.4	-13.5	·	·	·
Earnings Yield	-82.2%	-1.4%	-14.4%	1.5%	-3.3%	-7.4%	·	·	·

Conto Economico 16

Metrica	Q2 2026	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Revenue	$101M	$81M	$79M	$78M	$76M	$77M	$78M	$79M	$75M	$81M	$76M	$74M	$72M	$75M	$73M	$72M
Cost of Revenue	$30M	$19M	$20M	$20M	$18M	$19M	$19M	$18M	$16M	$19M	$17M	$18M	$17M	$18M	$15M	$17M
Gross Profit	$71M	$61M	$58M	$58M	$57M	$59M	$60M	$62M	$59M	$62M	$59M	$57M	$55M	$57M	$58M	$55M
SG&A Expense	$46M	$36M	$37M	$35M	$33M	$37M	$37M	$37M	$35M	$37M	$37M	$35M	$38M	$39M	$42M	$36M
Operating Expenses	$104M	$81M	$222M	$81M	$181M	$81M	$79M	$80M	$78M	$83M	$154M	$79M	$82M	$93M	$91M	$77M
Operating Income	$-3M	$-7.0K	$-143M	$-3M	$-105M	$-4M	$-1M	$-675.0K	$-3M	$-3M	$-78M	$-5M	$-10M	$-18M	$-18M	$-5M
Interest Income	$289.0K	$415.0K	$597.0K	$911.0K	$1M	$1M	$2M	$2M	$1M	$1M	·	·	·	·	·	·
Other Non-op	$278.0K	$-2.0K	$46.0K	$-9.0K	$-26.0K	$-227.0K	$76.0K	$67.0K	$21.0K	$-26.0K	$-96.0K	$-26.0K	$-183.0K	$-150.0K	$-42M	$20.0K
Pretax Income	$-14M	$-8M	$-151M	$-8M	$-109M	$-9M	$-4M	$5M	$-6M	$-5M	$-81M	$-8M	$-6M	$-24M	$-8M	$5M
Income Tax	$-3M	$2M	$-2M	$-2M	$-1M	$-452.0K	$-426.0K	$2M	$-2M	$302.0K	$-3M	$-2M	$-1M	$4M	$-240.0K	$-474.0K
Net Income	$-11M	$-10M	$-140M	$-6M	$-102M	$-8M	$-4M	$3M	$-4M	$-5M	$-73M	$-6M	$-5M	$-26M	$-7M	$6M
EPS (Basic)	$-0.13	$-0.12	$-1.68	$-0.08	$-1.15	$-0.09	$-0.05	$0.04	$-0.04	$-0.06	$-0.81	$-0.07	$-0.05	$-0.30	$-0.08	$0.07
EPS (Diluted)	$-0.13	$-0.12	$-1.68	$-0.08	$-1.15	$-0.09	$-0.04	$0.03	$-0.04	$-0.06	$-0.81	$-0.07	$-0.05	$-0.30	$-0.05	$0.05
Shares (Basic)	83,285,379,000	82,517,843,000	·	82,579,954,000	88,647,823,000	89,005,725,000	·	88,263,285,000	91,821,369,000	91,218,208,000	·	91,160,415,000	89,170,814,000	88,615,760,000	·	88,735,518,000
Shares (Diluted)	83,285,379,000	82,517,843,000	·	82,579,954,000	88,647,823,000	89,005,725,000	·	103,129,907,000	91,821,369,000	91,218,208,000	·	91,160,415,000	89,170,814,000	88,615,760,000	·	110,114,054,000
EBITDA	$-3M	$-7.0K	·	$-3M	$-105M	$-4M	·	$-675.0K	$-3M	$-3M	·	$-5M	$-10M	$-18M	·	$-5M

Stato Patrimoniale 26

Metrica	Q2 2026	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Cash & Equivalents	$84M	$44M	$116M	$96M	$163M	$165M	$190M	$169M	$147M	$128M	$118M	$118M	$104M	$92M	$65M	$64M
Receivables	$64M	$37M	$33M	$33M	$33M	$37M	$33M	$41M	$39M	$40M	·	$37M	$34M	$35M	·	$34M
Inventory	$2M	·	·	·	·	·	·	·	·	·	·	·	·	·	·	·
Prepaid Expense	$27M	$19M	$19M	$17M	$16M	$17M	$17M	$15M	$16M	$16M	·	$14M	$13M	$14M	·	$15M
Current Assets	$213M	$131M	$197M	$180M	$246M	$250M	$275M	$225M	$202M	$184M	·	$169M	$151M	$141M	·	$114M
PP&E (Net)	$4M	$1M	$1M	$1M	$2M	$2M	$2M	$3M	$3M	$3M	·	$4M	$3M	$4M	·	$5M
PP&E (Gross)	·	·	$6M	·	·	·	$6M	·	·	·	·	·	·	·	·	$9M
Accum. Depreciation	·	·	$5M	·	·	·	$4M	·	·	·	·	·	·	·	·	$4M
Goodwill	$652M	$475M	$475M	$613M	$613M	$717M	$717M	$717M	$717M	$717M	·	$793M	$793M	$793M	$828M	$828M
Intangibles	$560M	$338M	$330M	$346M	$360M	$375M	$389M	$402M	$416M	$432M	·	$445M	$458M	$473M	·	$523M
Other Non-current Assets	$5M	$5M	$5M	$5M	$5M	$5M	$2M	$2M	$2M	$2M	·	$2M	$2M	$2M	·	$2M
Total Assets	$1.61B	$1.14B	$1.20B	$1.33B	$1.41B	$1.54B	$1.57B	$1.56B	$1.52B	$1.52B	·	$1.58B	$1.58B	$1.58B	·	$1.64B
Accounts Payable	$44M	$24M	$25M	$23M	$21M	$24M	$29M	$29M	$24M	$24M	·	$20M	$19M	$21M	·	$23M
Accrued Liabilities	$81M	$47M	$53M	$51M	$48M	$42M	$56M	$52M	$27M	$28M	·	$27M	$26M	$27M	·	$25M
Current Liabilities	$147M	$73M	$241M	$222M	$290M	$67M	$102M	$83M	$53M	$53M	·	$51M	$47M	$53M	·	$75M
Capital Leases	$13M	$8M	$9M	$9M	$10M	$10M	$11M	$11M	$5M	$5M	·	$8M	$8M	$8M	·	$9M
Deferred Tax	$34M	·	·	·	·	·	·	·	·	·	·	·	·	·	·	·
Other Non-current Liabilities	$1M	$2M	$1M	$3M	$2M	$3M	$2M	$3M	$3M	$2M	·	$2M	$2M	$2M	·	$4M
Total Liabilities	$1.14B	$666M	$718M	$711M	$774M	$768M	$799M	$795M	$691M	$687M	·	$680M	$672M	$678M	·	$705M
Long-term Debt	$310M	$391M	$280M	$280M	$279M	$498M	$497M	$496M	$436M	$435M	·	$433M	$433M	$432M	·	$451M
Total Debt	$753M	$391M	·	$426M	$498M	$498M	·	$496M	$436M	$435M	·	$433M	$433M	$432M	·	$451M
Retained Earnings	$-611M	$-600M	$-591M	$-450M	$-444M	$-342M	$-334M	$-330M	$-333M	$-329M	·	$-250M	$-244M	$-240M	·	$-207M
Treasury Stock	$92M	$92M	$92M	$92M	$76M	$54M	$54M	$54M	$13M	$13M	·	$10M	$10M	$10M	·	$7M
AOCI	·	·	·	·	·	·	·	·	·	·	·	$-3.0K	$-3.0K	$-3.0K	·	$-2.2K
Stockholders' Equity	$473M	$478M	$484M	$617M	$634M	$756M	$761M	$755M	$815M	$814M	·	$880M	$879M	$871M	·	$899M
Liabilities + Equity	$1.61B	$1.14B	$1.20B	$1.33B	$1.41B	$1.54B	$1.57B	$1.56B	$1.52B	$1.52B	·	$1.58B	$1.58B	$1.58B	·	$1.64B

Flusso di cassa 15

Metrica	Q2 2026	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
D&A	$28M	$26M	$26M	$26M	$25M	$25M	$24M	$26M	$27M	$27M	$25M	$27M	$26M	$26M	$25M	$25M
Stock-based Comp	$5M	$5M	$4M	$6M	$3M	$5M	$6M	$6M	$6M	$6M	$6M	$6M	$7M	$4M	$6M	$5M
Deferred Tax	$-3M	$2M	$-3M	$-2M	$-1M	$-452.0K	$-2M	$2M	$-2M	$302.0K	$-5M	$-2M	$-1M	$4M	$-2M	$-473.9K
Amort. of Intangibles	$27M	$25M	$25M	$25M	$25M	$25M	$-78M	$25M	$27M	$26M	$-77M	$26M	$26M	$25M	$25M	$24M
Operating Cash Flow	$40M	$17M	$23M	$32M	$33M	$3M	$34M	$60M	$31M	$25M	$35M	$28M	$20M	$21M	$22M	$25M
CapEx	$2M	$122.0K	$87.0K	$122.0K	$-69.0K	$146.0K	$207.0K	$211.0K	$484.0K	$87.0K	$-329.0K	$948.0K	$-414.0K	$528.0K	$553.0K	$798.5K
Investing Cash Flow	$-361M	$-34M	$-10M	$-11M	$-10M	$-11M	$-11M	$-11M	$-12M	$-11M	$-27M	$-14M	$-10M	$27M	$-11M	$-12M
Debt Issued	$500M	$110M	·	·	·	·	$0	·	·	·	·	·	·	·	·	·
Net Debt Issued	·	$-37M	·	·	·	·	·	·	·	·	·	·	·	$-20M	·	·
Stock Repurchased	·	·	·	·	·	·	·	·	·	·	·	$134.0K	$171.0K	$1M	·	$141.2K
Net Stock Activity	·	·	·	·	·	·	·	·	·	·	·	·	·	$-1M	·	·
Financing Cash Flow	$361M	$-52M	$-35.0K	$-88M	$-23M	$-19M	$-2M	$-8M	$-82.0K	$-3M	$-5M	$-472.0K	$-726.0K	$-22M	$-4M	$-6M
Net Change in Cash	$41M	$-69M	$14M	$-67M	$-211.0K	$-28M	$21M	$41M	$19M	$11M	$3M	$13M	$9M	$25M	$7M	$7M
Taxes Paid	$740.0K	$-44.0K	$58.0K	$-90.0K	$2M	$-25.0K	$766.0K	$556.0K	$1M	$4.0K	·	·	·	·	·	·
Free Cash Flow	·	$17M	·	·	·	$2M	·	·	·	$25M	·	·	·	$20M	·	·

Redditività 8

Metrica	Q2 2026	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Gross Margin	70.1%	76.1%	·	74.4%	75.7%	75.9%	·	77.8%	78.2%	76.2%	·	76.3%	76.5%	75.9%	·	·
Operating Margin	-3.2%	-0.01%	·	-3.9%	-138.7%	-4.7%	·	-0.85%	-4.6%	-3.1%	·	-6.9%	-13.7%	-24.1%	·	-7.6%
Net Margin	-10.9%	-12.3%	·	-8.2%	-135.2%	-10.3%	·	4.1%	-5.4%	-6.5%	·	-8.3%	-6.5%	-35.4%	·	8.2%
Pretax Margin	-14.1%	-9.9%	·	-10.8%	-144.6%	-11.2%	·	6.0%	-8.3%	-6.3%	·	-11.4%	-8.9%	-31.6%	·	6.9%
EBITDA Margin	-3.2%	-0.01%	·	-3.9%	-138.7%	-4.7%	·	-0.85%	-4.6%	-3.1%	·	-6.9%	-13.7%	-24.1%	·	-7.6%
ROA	-0.73%	-0.74%	·	-0.44%	-7.0%	-0.52%	·	0.21%	-0.26%	-0.34%	·	-0.38%	-0.29%	-1.6%	·	0.36%
ROE	-2.0%	-1.6%	·	-0.94%	-14.1%	-1.0%	·	0.40%	-0.48%	-0.62%	·	-0.69%	-0.52%	-3.0%	·	0.66%
ROIC	-0.22%	0.00%	·	-0.23%	-9.2%	-0.27%	·	-0.04%	-0.19%	-0.21%	·	-0.30%	-0.63%	-1.6%	·	-0.44%

Liquidità e Solvibilità 4

Metrica	Q2 2026	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Current Ratio	1.4	1.8	·	0.8	0.8	3.7	·	2.7	3.8	3.4	·	3.3	3.2	2.7	·	1.5
Quick Ratio	1.0	1.1	·	0.6	0.7	3.0	·	2.5	3.5	3.2	·	3.0	2.9	2.4	·	1.3
Debt / Equity	1.6	0.8	·	0.7	0.8	0.7	·	0.7	0.5	0.5	·	0.5	0.5	0.5	·	0.5
LT Debt / Equity	1.6	0.8	·	0.5	0.4	0.7	·	0.7	0.5	0.5	·	0.5	0.5	0.5	·	0.5

Efficienza 3

Metrica	Q2 2026	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Asset Turnover	0.1	0.1	·	0.1	0.1	0.1	·	0.1	0.0	0.1	·	0.0	0.0	0.0	·	0.0
Inventory Turnover	26.1	·	·	·	·	·	·	·	·	·	·	·	·	·	·	·
Receivables Turnover	2.1	2.2	·	2.1	2.1	2.0	·	2.0	2.0	2.2	·	2.1	2.2	2.2	·	2.2

Per Azione 3

Metrica	Q2 2026	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Revenue / Share	$0.00	$0.00	·	$0.00	$0.00	$0.00	·	$0.00	$0.00	$0.00	·	$0.00	$0.00	$0.00	·	$0.65
Cash Flow / Share	·	$0.00	·	·	·	$0.00	·	·	·	$0.00	·	·	·	$0.00	·	·
EPS (TTM)	$-2.01	$-3.03	·	$-1.36	$-1.25	$-0.14	·	$-0.88	$-0.98	$-0.99	·	$-0.47	$-0.35	$-0.30	·	$0.00

Valutazione (TTM) 4

Metrica	Q2 2026	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022
Revenue TTM	$338M	$313M	·	$309M	$310M	$310M	·	$311M	$306M	$303M	·	$293M	$291M	$286M	·	$269M
Net Income TTM	$-167M	$-259M	·	$-121M	$-111M	$-13M	·	$-79M	$-89M	$-89M	·	$-44M	$-32M	$-27M	·	$4M
P/E	-2.1	-0.9	·	-3.8	-3.9	-39.8	·	-9.3	-10.8	-11.1	·	-16.1	-22.4	-21.9	·	·
Earnings Yield	-47.9%	-116.5%	·	-26.0%	-25.9%	-2.5%	·	-10.8%	-9.3%	-9.0%	·	-6.2%	-4.5%	-4.6%	·	0.00%

Periodo più recente a sinistra · valori nulli mostrati come ·

Bilanci Conto economico, stato patrimoniale, flusso di cassa — annuale, ultimi 5 anni

16

Metrica	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Ricavi	$309M	$313M	$297M	$279M	$219M
Margine Lordo %	·	77.1%	76.5%	76.8%	·
Margine Operativo %	·	-2.5%	-37.6%	-16.9%	-24.6%
Utile netto	$-257M	$-10M	$-110M	$13M	$-50M
EPS Diluito	$-3.00	$-0.11	$-1.23	$0.12	$-0.60

Metrica	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Debito / Patrimonio Netto	·	0.7	0.5	0.5	0.5
Rapporto corrente	·	2.7	2.9	1.4	1.0
Quick Ratio	·	2.2	2.7	1.2	0.9

Metrica	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Flusso di cassa libero	·	$149M	$103M	$71M	$50M

Proprietari istituzionali (13F) 148 filer · $322.4M totale · Aggiornato al 30 Giugno 2026

17

Istituzioni che segnalano il possesso di questo titolo nel loro Modulo SEC 13F trimestrale. Solo posizioni lunghe; un singolo depositante può apparire due volte per diverse gambe di opzioni. Grandi posizioni put/call contrapposte riflettono tipicamente market-making o inventario coperto, non convinzione direzionale.

Detentori 148

Valore detenuto $322.4M

Nuove posizioni 18

Posizioni chiuse 18

Attività istituzionale — Q2 2026 vs trimestre precedente

Nuove posizioni	Posizioni chiuse	Aumentato	Diminuito	Variazione netta delle azioni
18 (-12 vs trimestre precedente)	18 (-9 vs trimestre precedente)	60 (+9 vs trimestre precedente)	43 (-5 vs trimestre precedente)	-166K

Confrontato con Q1 2026. Le dichiarazioni SEC Form 13F sono dovute entro 45 giorni dalla fine del trimestre più un breve margine per i dichiaranti in ritardo — i trimestri ancora all'interno di questa finestra vengono saltati a favore della coppia più recente completamente riportata.

Istituzione	Valore	Azioni	% di 13F tracciati	Tipo
Forager Capital Management, LLC	$46.647.502	11.106.548	14,47%	Azioni
Veradace Capital Management LLC	$30.272.298	7.207.690	9,39%	Azioni
PRIVATE MANAGEMENT GROUP INC	$27.340.652	6.509.679	8,48%	Azioni
BlackRock, Inc.	$26.312.929	6.264.983	8,16%	Azioni
AMERICAN CENTURY COMPANIES INC	$25.708.276	6.121.018	7,97%	Azioni
AQR CAPITAL MANAGEMENT LLC	$18.895.768	4.498.993	5,86%	Azioni
VANGUARD GROUP INC	$16.771.859	4.595.030	5,20%	Azioni
VANGUARD CAPITAL MANAGEMENT LLC	$12.951.926	3.083.792	4,02%	Azioni
DIMENSIONAL FUND ADVISORS LP	$12.072.095	2.874.200	3,74%	Azioni
Pacific Ridge Capital Partners, LLC	$9.411.100	2.240.738	2,92%	Azioni
STATE STREET CORP	$8.256.969	1.965.945	2,56%	Azioni
GEODE CAPITAL MANAGEMENT, LLC	$7.474.275	1.779.170	2,32%	Azioni
Sovereign's Capital Management, LLC	$7.112.136	1.692.881	2,21%	Azioni
D. E. Shaw & Co., Inc.	$4.070.338	969.128	1,26%	Azioni
MORGAN STANLEY	$3.864.820	920.195	1,20%	Azioni
VANGUARD PORTFOLIO MANAGEMENT LLC	$3.622.109	862.407	1,12%	Azioni
DEUTSCHE BANK AG\	$3.294.337	784.366	1,02%	Azioni
BANK OF MONTREAL /CAN/	$3.215.234	765.532	1,00%	Azioni
Whetstone Capital Advisors, LLC	$3.211.627	764.673	1,00%	Azioni
GOLDMAN SACHS GROUP INC	$2.892.700	688.738	0,90%	Azioni
BARCLAYS PLC	$2.797.969	666.183	0,87%	Azioni
Kent Lake PR LLC	$2.615.000	500.000	0,81%	Azioni
BRIDGEWAY CAPITAL MANAGEMENT, LLC	$2.599.712	618.979	0,81%	Azioni
Aequim Alternative Investments LP	$2.429.633	578.484	0,75%	Azioni
CHARLES SCHWAB INVESTMENT MANAGEMENT INC	$2.319.475	552.256	0,72%	Azioni
NORTHERN TRUST CORP	$2.226.034	530.008	0,69%	Azioni
FMR LLC	$2.124.594	505.856	0,66%	Azioni
Empowered Funds, LLC	$2.095.712	498.979	0,65%	Azioni
VANGUARD FIDUCIARY TRUST CO	$1.915.334	456.032	0,59%	Azioni
Villanova Investment Management Co LLC	$1.873.250	446.012	0,58%	Azioni
BNP PARIBAS FINANCIAL MARKETS	$1.680.109	400.026	0,52%	Azioni
BANK OF AMERICA CORP /DE/	$1.678.413	399.622	0,52%	Azioni
Vanguard Global Advisers, LLC	$1.399.650	333.250	0,43%	Azioni
IEQ CAPITAL, LLC	$1.223.305	291.263	0,38%	Azioni
Invesco Ltd.	$1.114.857	265.442	0,35%	Azioni
PANAGORA ASSET MANAGEMENT INC	$974.270	231.969	0,30%	Azioni
Bank of New York Mellon Corp	$841.789	200.426	0,26%	Azioni
Nuveen, LLC	$807.622	192.291	0,25%	Azioni
Cubist Systematic Strategies, LLC	$789.748	151.003	0,24%	Azioni
CANADA PENSION PLAN INVESTMENT BOARD	$780.780	185.900	0,24%	Azioni
Mariner, LLC	$747.237	177.901	0,23%	Azioni
CONTINENTAL ADVISORS LLC	$710.766	169.230	0,22%	Azioni
Walleye Capital LLC	$681.883	162.353	0,21%	Azioni
UBS Group AG	$669.287	159.354	0,21%	Azioni
Numerai GP LLC	$653.722	155.648	0,20%	Azioni
CWM, LLC	$497.601	191.385	0,15%	Azioni
JOHNSON INVESTMENT COUNSEL INC	$495.033	117.865	0,15%	Azioni
Inspire Investing, LLC	$487.352	187.443	0,15%	Azioni
Creative Planning	$478.771	113.993	0,15%	Azioni
HSBC HOLDINGS PLC	$441.949	105.226	0,14%	Azioni

Mostra tutti i 148 proprietari istituzionali →

Attivisti e proprietari del 5%+ 6 partecipazioni

18

Investitori che hanno depositato SEC Schedule 13D — proprietà effettiva superiore al 5% con l'intento di influenzare l'emittente (partecipazioni attiviste, campagne per il consiglio di amministrazione, M&A). Ogni riga mostra lo stato più recente noto della posizione di quel depositante.

Depositante	Depositato	Partecipazione	Stato	Scopo	Deposito
BT Parent GP, LLC, Beckham Aggregator, L.P. ×2 depositi	15 Luglio 2026	9,38%	Modifica	·	SEC
Forager Fund, L.P., Forager Capital Management, LLC, Edward Kissel, Robert MacArthur ×8 depositi	29 Giugno 2026	12,40%	Modifica	·	SEC
Veradace Capital Management LLC, Veradace Partners LP, Alexander Vezendan, John Conlin ×3 depositi	04 Giugno 2026	8,20%	Modifica	Campagna per il consiglio di amministrazione	SEC
John A. Morris, Sr., JOSEH Holdings, LLC, JAM Family Investments, Inc. ×8 depositi	13 Marzo 2026	8,20%	Modifica	·	SEC
Shaler Alias, Alias Holdings, LLC ×4 depositi	30 Settembre 2020	·	Deposito iniziale	·	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 depositi	14 Settembre 2020	·	Deposito iniziale	·	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.

Insider aziendali 25 insider · 15 dirigenti · 11 direttori

19

Insider	Ruolo	Ultima attività	Azioni possedute	Vendite 12m	Netto 12m
John A. Morris, Sr.	Chief Executive Officer	19 Marzo 2026 F	2.204.370	0	$0
Robert Scott Houser	Chief Financial Officer	08 Settembre 2026 F	303.171	0	$0
Timothy John Murphy	Chief Financial Officer	19 Marzo 2025 F	582.715	0	$0
Richard Jason Watkin	President, KUBRA	01 Giugno 2026 A	833.433	0	$0
Shaler Alias	President	23 Febbraio 2026 F	549.720	0	$0
Michael Frank Jackson	Chief Operating Officer	17 Novembre 2022 S	54.769	0	$0
Tyler B Dempsey	General Counsel	21 Settembre 2026 S	455.139	2	$-142.198
David M Guthrie	Chief Technology Officer	31 Maggio 2026 F	458.106	0	$0
Matthew Edward Morrow	Executive Vice President	12 Maggio 2026 A	260.416	0	$0
Thomas Eugene Sullivan	Chief Accounting Officer	07 Maggio 2026 F	244.664	0	$0
Naomi Barnett	Executive Vice President	19 Marzo 2026 F	293.909	0	$0
Jacob Hamilton Moore	Executive Vice President	12 Settembre 2025 S	193.532	0	$0
Alexander M Cohen	Executive Vice President	04 Novembre 2024 F	152.384	0	$0
Susan Perlmutter	Chief Revenue Officer	17 Novembre 2022 F	191.380	0	$0
Jason Kirk	Chief Technology Officer	19 Novembre 2021 F	164.182	0	$0
Zachary F Sadek	Direttore	31 Luglio 2026 A	42.500	0	$0
Emnet Legesse Rios	Direttore	10 Giugno 2026 A	147.398	0	$0
Maryann Goebel	Direttore	10 Giugno 2026 A	165.151	0	$0
Richard E Thornburgh	Direttore	10 Giugno 2026 A	181.751	1	$-15.750
Paul R Garcia	Direttore	10 Giugno 2026 A	230.951	0	$0
Peter J Kight	Direttore	10 Giugno 2026 A	1.744.034	0	$0
Robert Herman Hartheimer	Direttore	12 Giugno 2025 A	114.856	0	$0
William I Jacobs	Direttore	30 Maggio 2024 A	80.856	0	$0
Jeremy Schein	Direttore	06 Agosto 2020 A	19.386	0	$0
Polar Securities Inc.	Proprietario del 10%	13 Marzo 2019 S	1.709.979	0	$0

Insider dai depositi SEC Modulo 3/4/5; netto = solo acquisti/vendite di mercato

Proprietà ETF Posseduti da 22 ETF

20

Il peso riflette solo le partecipazioni azionarie dirette (N-PORT); fondi a leva o basati su derivati possono detenere ulteriore esposizione swap non mostrata.

Fondo	Peso	Unità	Aggiornato al	Fonte
SOVF · Elevation Series Trust	3,82%	834.335 NS	31 Luglio 2026	N-PORT
VFVA · VANGUARD WELLINGTON FUND	0,16%	316.509 SH	19 Agosto 2026	Giornaliero
IWC · iShares Trust	0,05%	220.376 SH	11 Settembre 2026	Giornaliero
VTWV · VANGUARD SCOTTSDALE FUNDS	0,02%	56.857 SH	19 Agosto 2026	Giornaliero
PRFZ · Invesco Exchange-Traded Fund Trust	0,02%	141.778 SH	02 Ottobre 2026	Giornaliero
DFSV · Dimensional ETF Trust	0,02%	328.508 NS	31 Luglio 2026	N-PORT
DFAT · Dimensional ETF Trust	0,01%	379.624 NS	31 Luglio 2026	N-PORT
VTWO · VANGUARD SCOTTSDALE FUNDS	0,01%	375.399 SH	19 Agosto 2026	Giornaliero
PKW · Invesco Exchange-Traded Fund Trust	0,01%	42.861 SH	02 Ottobre 2026	Giornaliero
RSSL · Global X Funds	0,01%	31.162 NS	31 Luglio 2026	N-PORT
IWM · iShares Trust	0,01%	1.778.433 SH	11 Settembre 2026	Giornaliero
DCOR · Dimensional ETF Trust	0,00%	9.700 NS	31 Luglio 2026	N-PORT
DXUV · Dimensional ETF Trust	0,00%	1.155 NS	31 Luglio 2026	N-PORT
ITOT · iShares Trust	0,00%	115.371 SH	11 Settembre 2026	Giornaliero
IWV · iShares Trust	0,00%	21.462 SH	03 Settembre 2026	Giornaliero
DFAS · Dimensional ETF Trust	0,00%	3.381 NS	31 Luglio 2026	N-PORT
VXF · VANGUARD INDEX FUNDS	0,00%	784.684 SH	19 Agosto 2026	Giornaliero
VTI · VANGUARD INDEX FUNDS	0,00%	2.220.966 SH	19 Agosto 2026	Giornaliero
VTHR · VANGUARD SCOTTSDALE FUNDS	0,00%	6.396 SH	19 Agosto 2026	Giornaliero
DFAC · Dimensional ETF Trust	0,00%	1.328 NS	31 Luglio 2026	N-PORT
VFH · VANGUARD WORLD FUND	0,00%	107.246 SH	19 Agosto 2026	Giornaliero
IWN · iShares Trust	·	633.562 SH	11 Settembre 2026	Giornaliero

RPAY Consenso degli analisti Opinioni degli analisti, sia rialziste che ribassiste, target price a 12 mesi, potenziale di rialzo

21

rating · 11 analisti COMPRA

Target mediano $6.00 +57,1%

2 18,2% Acquisto forte

7 63,6% Compra

2 18,2% Mantieni

0 0,0% Vendi

0 0,0% Vendita forte

Target Price a 12 Mesi

5 analisti · 2026-09-29

Target medio $6.85 +79,3%

← Sotto tutti i target Prezzo attuale $3.82

Basso$4.25 Media$6.85 Alto$10.00

Confronto Peer (GICS sub-settore industriale) Metriche chiave rispetto ai pari del settore

22

Base FY, prezzi alla chiusura dell'ultimo anno fiscale di ciascuna società.

Ticker	Capitalizzazione di Mercato	P/E	Rev YoY	Margine Netto	ROE	Margine lordo
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	·	·	·	·	·	·

Ultime notizie Notizie recenti che menzionano questa società

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UBS Raises its Price Target on Repay Holdings (RPAY) Yahoo Finance · 3 mesi, 3 settimane fa Repay Holdings (RPAY) Scala nei Pagamenti delle Fatture e nelle Interazioni con i Clienti; gli Analisti Vedono un Rialzo del 170%+ Yahoo Finance · 5 mesi, 3 settimane fa

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RPAY Classe A Repay Holdings Corporation - Class A Common Stock