Lumida
/RPAY
⌘K
Repay Holdings Corp

Repay Holdings Corp

RPAY
$3.88USD↓-4.43%-0.18 today

MARKET CAP

341.8M

P/E (TTM)

4.7x

FWD P/E

3.9x

DAY RANGE

$4 – $4

52W RANGE

$2
$6

AI Summary

Stalk
Buy NowMedium

Despite the long-term downtrend, RPAY is at valuation extremes and mean-reversion eligible, with a technical momentum breakout above the 9/21 EMAs on spike volume. This supports a tactical buy now posture into the current relief rally, targeting the breakout zone near recent horizontal resistance. However, the decline-phase regime and unbroken 50/200 SMA pose medium-term capping risks.

  • ↑2026 revenue target of $340–346 M implies 10–12% growth, led by consumer & business segments.
  • ↑CUBRA deal expected to double top line and expand market share via synergies.
  • ↓Key clients lost to larger acquirers signal potential revenue headwinds and retention challenges.
Full analysis →

The case for & against

Bull & Bear analysis

Bullish

Repay Holdings Corporation (NASDAQ: RPAY) operates in the digital payments sector, providing integrated payment solutions across consumer and business verticals. The company is focusing on enhancing its technologies to drive efficient transactions and continues to integrate its platform for businesses operating in diverse sectors, including automotive and government. With a robust growth trajectory bolstered by strategic acquisitions and a disciplined capital allocation strategy, REPAY is well-positioned to capitalize on the ongoing shift towards digital payment solutions amid evolving market dynamics.

Bull says

  • ↑2026 revenue target of $340–346 M implies 10–12% growth, led by consumer & business segments.
  • ↑CUBRA deal expected to double top line and expand market share via synergies.
  • ↑Q4 free cash flow conversion at 64%, with a target above 45% for 2026 supporting shareholder returns.
  • ↑Partnership network grew to 297 software integrations, enhancing market reach.
  • ↑Political ad spending in midterms may add $8–10 M revenue, boosting quarterly results.
  • ↑Favorable valuation profile: high earnings yield, strong book-to-price, positive analyst revisions.

Bear says

  • ↓Key clients lost to larger acquirers signal potential revenue headwinds and retention challenges.
  • ↓Successful CUBRA integration is critical; any missteps could erode projected synergies.
  • ↓Revenue reliance on volatile political media spending; Q4 saw a $4.6 M gross-profit headwind.
  • ↓~$434 M debt burden raises interest coverage risk amid rising rates despite planned paydown.
  • ↓Negative market momentum and small-size sentiment reflect skepticism on stock performance.
  • ↓Weak profitability and high operational volatility suggest potential earnings and price swings.

Investment themes with RPAY

Buybacks↑ +0.48%

Companies repurchasing their own shares

C · JCI · WFC

Earnings Call · Q4 2024 · Mgmt. Guidance

Updated 06-15-2026neutral

Transcript signals

Bull points

  • that we were aware that there could be impacts, but we were willing to make that strategic move for the future monetization benefits of having all of that total payment volume on our platform.
  • we are promoting the paid ACH option more regularly
  • In the fourth quarter and full year 2024, Repay delivered solid results across our key metrics.

Bear points

  • if you strip out the client losses and the strategic migration, that reported gross profit growth would have been approximately 10%
  • One of them was we mentioned last quarter, but this quarter was the full quarter impact
  • Consumer payments segment gross profit declined approximately 5% during Q4 and grew 3% in full year 2024.
Read full transcript analysis ›