RPAY
Repay Holdings Corporation
NasdaqCMUSDEQUITY
Technology
DELAYED
Last price
4.01
▲ 0.15 (3.89%)
MARKET · —
Price
Open
3.89
Prev close
3.86
Day high
4.01
Day low
3.85
Volume
285.49K
Market cap
$353.62M
P/E (TTM)
—
52W range
2.30 – 6.06
Trailing performance
Returnvs SPY
1W
+9.56%
+10.9%
1M
+11.39%
+7.7%
3M
+19.70%
+16.6%
6M
+22.63%
+11.6%
YTD
+9.86%
-2.4%
1Y
-27.49%
-47.5%
3Y
-54.89%
-129.1%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Fundamentals
Market cap$353.62M
Enterprise value$1.02B
Revenue (TTM)$337.81M
Gross profit$248.25M
EBITDA$73.25M
Net income$-167.45M
EPS (TTM)$-2.01
Free cash flow$61.31M
Total cash$83.66M
Total debt$772.84M
Book value / share$6.90
Shares outstanding82.90M
Float42.29M
Short % of float7.02%
Dividend yield—
Beta (5Y)1.85
Valuation & profitability ratios
Trailing P/E—
Forward P/E3.44
PEG ratio—
Price / sales—
Price / book0.58
EV / revenue3.02
EV / EBITDA13.90
Gross margin73.49%
Operating margin-3.23%
Profit margin-49.57%
Return on equity-31.83%
Return on assets-0.44%
Debt / equity164.69
Current ratio1.45
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Total revenue | $309.26M | $313.04M | $296.63M | $279.23M |
| Cost of revenue | $0 | $0 | $0 | $0 |
| Gross profit | $0 | $0 | $0 | $0 |
| R&D | — | — | — | — |
| SG&A | — | — | — | — |
| Operating income | — | — | — | — |
| Pre-tax income | — | — | — | — |
| Tax provision | $0 | $0 | $0 | $0 |
| Net income | -$256.72M | -$10.16M | -$110.49M | $12.84M |
| EBIT | $0 | $0 | $0 | $0 |
| Line item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Cash & equivalents | — | — | — | — |
| Short-term investments | — | — | — | — |
| Net receivables | — | — | — | — |
| Inventory | — | — | — | — |
| Total current assets | — | — | — | — |
| Total assets | — | — | — | — |
| Total current liabilities | — | — | — | — |
| Long-term debt | — | — | — | — |
| Total liabilities | — | — | — | — |
| Retained earnings | — | — | — | — |
| Shareholder equity | — | — | — | — |
| Line item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Net income | -$256.72M | -$10.16M | -$110.49M | $12.84M |
| Depreciation | — | — | — | — |
| Change in working capital | — | — | — | — |
| Operating cash flow | — | — | — | — |
| Capital expenditure | — | — | — | — |
| Investing cash flow | — | — | — | — |
| Dividends paid | — | — | — | — |
| Buybacks | — | — | — | — |
| Financing cash flow | — | — | — | — |
| Net change in cash | — | — | — | — |
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 0.21 | 0.20 | -4.6% |
| Dec 2025 | 0.21 | 0.19 | -9.4% |
| Sep 2025 | 0.21 | 0.21 | -1.3% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 0.21 | 4 | $101.86M | +34.7% |
| Next quarter | 0.29 | 4 | $158.11M | +101.2% |
| Current year | 0.97 | 4 | $492.08M | +59.1% |
| Next year | 1.16 | 3 | $626.92M | +27.4% |
Analyst targets & ownership
Mean target$6.85
High target$10.00
Low target$4.25
Implied upside70.82%
Analyst count5
ConsensusSTRONG BUY
Strong buy / Buy0 / 4
Hold1
Sell / Strong sell0 / 0
Held by insiders12.17%
Held by institutions100.84%
Institutions holding195
Price targets, consensus spread, insider and institutional ownership.
Insider net activity
Net shares
0
Net selling
Buy transactions
0
0 shares
Sell transactions
0
—
Net transactions
0
Buys less sells
Sell : buy shares
—
Not enough filings
Insider-held shares
10.09M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Jul 31, 26 | SADEK ZACHARY F Director |
STOCK | 42.50K | $0 | Direct |
| Jun 10, 26 | RIOS EMNET LEGESSE Director |
STOCK | 50.30K | $0 | Direct |
| Jun 10, 26 | THORNBURGH RICHARD E. Director |
STOCK | 50.30K | $0 | Direct |
| Jun 10, 26 | GOEBEL MARYANN Director |
STOCK | 50.30K | $0 | Direct |
| Jun 10, 26 | GARCIA PAUL REU Director |
STOCK | 50.30K | $0 | Direct |
| Jun 10, 26 | KIGHT PETER J Director |
STOCK | 73.96K | $0 | Direct |
| Jun 1, 26 | WATKIN RICK Officer |
STOCK | 833.33K | $0 | Direct |
| May 29, 26 | GUTHRIE DAVID M Chief Technology Officer |
STOCK | 1.00K | $3.88K | Direct |
| May 12, 26 | MORROW MATTHEW EDWARD Officer |
STOCK | 260.42K | $0 | Direct |
| Apr 9, 26 | FORAGER FUND, L.P. Beneficial Owner of more than 10% of a Class of Security |
BUY | 913.71K | $2.30M | Indirect |
| Apr 9, 26 | FORAGER FUND, L.P. Beneficial Owner of more than 10% of a Class of Security |
BUY | 913.71K | $2.30M | Direct |
| Apr 2, 26 | FORAGER FUND, L.P. Beneficial Owner of more than 10% of a Class of Security |
BUY | 950.00K | $2.41M | Direct |
| Mar 27, 26 | FORAGER FUND, L.P. Beneficial Owner of more than 10% of a Class of Security |
BUY | 642.84K | $1.94M | Indirect |
| Mar 27, 26 | FORAGER FUND, L.P. Beneficial Owner of more than 10% of a Class of Security |
BUY | 642.84K | $1.94M | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
ALIAS SHALER |
President | — | Purchase |
BARNETT NAOMI |
Officer | 297.22K | Stock Award(Grant) |
DEMPSEY TYLER B |
General Counsel | 496.97K | Stock Award(Grant) |
FORAGER FUND, L.P. |
Beneficial Owner of more than 10% of a Class of Security | — | Purchase |
GUTHRIE DAVID M |
Chief Technology Officer | 458.11K | Stock Award(Grant) |
HOUSER ROBERT SCOTT |
Chief Financial Officer | 311.90K | Stock Award(Grant) |
KIGHT PETER J |
Director | 1.74M | Stock Award(Grant) |
MORRIS JOHN ANDREW SR. |
Chief Executive Officer | 3.64M | Stock Award(Grant) |
MURPHY TIMOTHY JOHN |
Chief Financial Officer | 645.08K | Stock Award(Grant) |
WATKIN RICK |
Officer | 833.43K | Stock Award(Grant) |
Moving averages & technicals
SMA 10
3.75
+6.88% from price
SMA 20
3.90
+2.90% from price
SMA 50
3.80
+5.50% from price
SMA 100
3.63
+10.44% from price
SMA 200
3.49
+14.90% from price
EMA 12
3.82
+5.09% from price
EMA 26
3.84
+4.52% from price
EMA 50
3.79
+5.69% from price
RSI (14)
56.0
Neutral
MACD (12,26,9)
-0.02
Hist -0.00
ATR (14)
0.19
4.85% of price
Realised vol 30D
51.3%
Annualised
Bollinger upper
4.26
20, 2σ
Bollinger lower
3.54
20, 2σ
50 / 200 cross
Golden
3.80 vs 3.49
Trend bias
Above 200
+14.90%
Risk profile
Beta vs SPY
1.56
More volatile than market
Correlation to SPY
0.28
Largely independent
Realised vol 30D
51.3%
Annualised
Market vol 1Y
12.9%
SPY, annualised
Max drawdown 1Y
-59.7%
Peak to trough
Max drawdown 5Y
-90.2%
Peak to trough
ATR 14
0.19
4.85% of price
Beta (reported)
1.85
5Y monthly, from filing
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Options analytics
Put / call volume
0.08
Call-heavy session
Put / call open interest
0.06
Positioning, not flow
Max pain
2.50
-37.7% from spot
ATM implied vol
156.6%
Nearest strike to spot
Skew (10% OTM)
+48.8%
Puts bid over calls
Call volume
12
Contracts, this expiry
Put volume
1
Contracts, this expiry
Heaviest call OI
5.00
85 contracts
Heaviest put OI
2.50
6 contracts
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Headlines
Repay to Join Visa Platform Connect Through Reseller Agreement
MT Newswires · 3d ago
REPAY Joins Visa Platform Connect, Granting ISO and ISV Clients Next-Generation Payment Infrastructure
Business Wire · 3d ago
Repay Holdings (RPAY) Q2 2026 Earnings Call Transcript
Motley Fool · 5d ago
Repay Eyes Faster Growth, Debt Reduction as KUBRA Builds Consumer Billing Platform
MarketBeat · 6d ago
Repay Holdings Corporation Q2 2026 Earnings Call Summary
Moby · 11d ago
Repay Holdings Corp (RPAY) (Q2 2026) Earnings Call Highlights: Strong Revenue Growth and KUBRA ...
GuruFocus.com · 12d ago
Repay Q2 Earnings Call Highlights
MarketBeat · 12d ago
Repay Holdings (RPAY) Meets Q2 Earnings Estimates
Zacks · 12d ago
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
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