Stocks · Technology · Software - Infrastructure
Repay Holdings Corporation RPAY
$3.82 +2.41% Close, Oct 2, 2026 · NASDAQ · Market cap $336.5M
Next earnings report: Nov 9, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Operating margin widened to -3.1% from -35.6% a year earlier.
- The stock is in an uptrend: above its 200-day average for 68 trading days, with the 50-day average above the 200-day.
- The diluted share count fell 6.0% in a year, mainly through buybacks.
PromtFinance scores
Each score is a percentile within the Technology sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 40%
- FCF growth (TTM, YoY)Bottom 13%
- Revenue growth, 3-year CAGRBottom 41%
- Revenue growth accelerationTop 13%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 36%
- Gross marginTop 21%
- Operating marginBottom 31%
- Accruals (lower is better)Top 17%
- Interest coverBottom 32%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 5%
- Free-cash-flow yieldTop 5%
- EBITDA / enterprise valueBottom 15%
- Sales / enterprise valueTop 41%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 23%
- 6-month returnTop 31%
- 1-year return vs S&P 500Bottom 28%
- Distance from 52-week highTop 48%
- Trend checklist (0–4)Top 18%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 20%
- Consecutive EPS beatsBottom 12%
- Share of analysts rating BuyBottom 40%
- Upside to consensus price targetBottom 46%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 32%
- Maximum drawdown, 3 yearsBottom 18%
- Beta vs S&P 500 (lower is better)Top 44%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 1.0% | 8.8% | ↑ |
| Gross margin | 76.4% | 73.5% | ↓ |
| Operating margin | -35.6% | -3.1% | ↑ |
| FCF margin | 31.5% | 16.4% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 8.8% | 1.0% | ↑ | Bottom 40% |
| Gross margin | 73.5% | 76.4% | ↓ | Top 21% |
| Operating margin | -3.1% | -35.6% | ↑ | Bottom 31% |
| Net margin | -49.6% | -35.8% | ↓ | — |
| Free-cash-flow margin | 16.4% | 31.5% | ↓ | — |
| Return on invested capital | -0.7% | — | Bottom 36% | |
| Revenue growth, 3-year CAGR | 3.5% | — | Bottom 41% |
Quality of earnings and balance sheet
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -17.4%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 5.8%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +69.3 pp
- Interest cover (operating income / interest)How many times operating profit covers interest.
- -0.5×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.00%
- Net buyback yield (TTM)
- 5.17%
- Shareholder yield
- 5.17%
- Share count change, 1 year
- -6.0%
- Share count change, 3-year CAGR
- -2.3%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 10, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 0
- Beats in the last 8 reports
- 0 of 8
- Average EPS surprise, last 4
- -5.1%
- Average 2-day reaction, last 8
- -0.3%
- Positive 20 days after report
- 3 of 8
Analysts
- Consensus price target
- $4.67
- Target vs current price
- +22.3%
- Analysts with a rating
- 17
- Share rating Buy or Strong Buy
- 59%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Aug 10, 2026 | -5.5% | -3.0% | -7.3% | -1.8% | — |
| May 4, 2026 | +0.0% | +3.6% | -8.3% | +4.4% | +4.7% |
| Mar 9, 2026 | -13.6% | -4.4% | -9.2% | -16.7% | +33.7% |
| Nov 10, 2025 | -1.3% | -1.6% | -6.1% | -10.3% | -11.6% |
| Aug 11, 2025 | +0.0% | +4.1% | +5.4% | +15.0% | -15.7% |
| May 12, 2025 | -4.3% | +2.5% | +4.1% | +32.7% | +34.8% |
| Mar 3, 2025 | +0.0% | -1.2% | -18.6% | -24.0% | -36.9% |
| Nov 12, 2024 | +0.0% | -2.3% | -12.7% | -11.8% | -14.8% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Aug 10, 2026 | $0.20 | $0.21 | -5.5% | $100.7M |
| May 4, 2026 | $0.22 | $0.22 | +0.0% | $80.8M |
| Mar 9, 2026 | $0.19 | $0.22 | -13.6% | $78.6M |
| Nov 10, 2025 | $0.21 | $0.21 | -1.3% | $77.7M |
| Aug 11, 2025 | $0.20 | $0.20 | +0.0% | $75.6M |
| May 12, 2025 | $0.22 | $0.23 | -4.3% | $77.3M |
| Mar 3, 2025 | $0.24 | $0.24 | +0.0% | $78.3M |
| Nov 12, 2024 | $0.23 | $0.23 | +0.0% | $79.1M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (forward) | 4.3× | — | — | — |
| EV / Sales | 3.04× | — | — | Top 41% |
| Free-cash-flow yield | 16.49% | — | — | Top 5% |
| Earnings yield | -53.40% | — | — | Bottom 5% |
Technical state
Trend checklist
- ✓ Price above 20-day average
- ✓ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 1
- Days above the 200-day average
- 68
- 50-day average slope (20 days)
- -1.6%
- 200-day average slope (20 days)
- +1.2%
- Distance from 50-day average
- +0.0%
- Distance from 200-day average
- +8.2%
- RSI (14)
- 51.7
- Relative volume
- 0.93×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 49.4%
- Volatility vs own 5-year history
- 44th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 1.33
- Correlation with S&P 500
- 0.33
- Current drawdown from 1-year high
- -27.2%
- Maximum drawdown, 3 years
- -78.3%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Dec 22, 2020 | Apr 7, 2026 | -91.4% | 1326 days | Not yet recovered |
| Nov 9, 2020 | Nov 20, 2020 | -18.5% | 9 days | 19 days (Dec 18, 2020) |
| Oct 8, 2020 | Oct 30, 2020 | -10.9% | 16 days | 3 days (Nov 4, 2020) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $336.5M
- EPS, diluted (TTM)
- -$2.04
- Revenue (TTM)
- $337.8M
- 52-week range
- $2.30 – $5.39
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $219.3M | $279.2M | $296.6M | $313.0M | $309.3M |
| Gross profit | $163.8M | $214.4M | $226.9M | $241.4M | $232.0M |
| Operating income | -$54.0M | -$47.2M | -$111.4M | -$7.8M | -$12.0M |
| Net income | -$50.1M | $12.8M | -$110.5M | -$10.2M | -$256.7M |
| EPS (diluted) | -$0.60 | $0.12 | -$1.23 | -$0.11 | -$3.00 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $79.1M | $78.3M | $77.3M | $75.6M | $77.7M | $78.6M | $80.8M | $100.7M |
| Net income | $3.2M | -$4.1M | -$7.9M | -$102.3M | -$6.4M | -$140.1M | -$9.9M | -$11.0M |
| EPS (diluted) | $0.03 | -$0.05 | -$0.09 | -$1.15 | -$0.08 | -$1.71 | -$0.12 | -$0.13 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $53.3M | $74.2M | $103.6M | $150.1M | $91.1M |
| Capital expenditure | -$23.5M | -$39.5M | -$64.4M | -$44.9M | -$286,000 |
| Free cash flow | $29.8M | $34.7M | $39.3M | $105.2M | $91.1M |
| Dividends paid | -$62,000 | -$951,000 | -$3.5M | -$2.3M | $0 |
| Net share buybacks | $138.1M | -$10.0M | -$2.5M | -$41.5M | -$38.5M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $83.7M
- Total assets
- $1.61B
- Total liabilities
- $1.14B
- Total debt
- $772.8M
- Net debt
- $689.2M
- Shareholders’ equity
- $472.5M
As of Jun 30, 2026 (filed Aug 10, 2026).
Short interest
- Shares sold short
- 3,949,648
- Days to cover
- 9.29
- Change vs previous report
- +1.3%
FINRA short interest, settlement date Sep 15, 2026.