# Repay Holdings Corporation (RPAY) fundamentals

Data as of 2026-11-04. NASDAQ, United States. Sector: Technology / Software. Price $4.52, market value $399 million.

## Valuation
- **P/E (trailing): n/a** (negative earnings). Repay Holdings Corporation reported negative earnings over the last twelve months, so the P/E is not meaningful; use price-to-sales, EV/EBITDA and free-cash-flow yield instead.
- **Price / sales: 1.2×**. Each dollar of revenue is priced at 1.2×.
- **Price / book: 0.8×**. The shares trade below book value, which can signal a bargain or a balance sheet the market doubts.
- **Free-cash-flow yield: 27.6%** (5-yr avg 15.1%). Free cash flow equals 27.6% of the market value, above its five-year average of 15.1%, so the shares are cheaper on cash than they have usually been. Above 5% is generally attractive.

## Profitability
- **Gross margin: 73.5%**. Repay Holdings Corporation keeps 73.5% of revenue after the direct cost of what it sells, the kind of margin that comes with software, brands or pricing power.
- **Operating margin: -44.2%**. Operating margin is negative: the business loses money before interest and tax.
- **Net margin: -83.0%**. The company reported a net loss over the last twelve months.
- **Return on equity: -53.0%**. Return on equity is negative because earnings are negative.
- **Return on invested capital: -14.8%**. Return on all capital, debt included, is -14.8%: close to or below the cost of capital, so growth may not create value.
- **Return on assets: -14.0%**. Each dollar of assets produces -14.0% of profit.

## Growth
- **Revenue growth (1 yr): -1.2%** (3-yr 3.5%/yr, 5-yr 14.8%/yr). Revenue fell 1.2% over the last year, against 14.8% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): -2627.3%**. Earnings per share fell 2627.3%, slower than revenue, so margins compressed.
- **Free-cash-flow growth (3 yr): 8.5%/yr**. Free cash flow has compounded at 8.5% a year over three years.

## Financial health
- **Debt to equity: 0.88**. Debt is 0.88 times equity, moderate leverage.
- **Net debt / EBITDA: net cash**. Repay Holdings Corporation holds more cash than debt.
- **Current ratio: 0.82** (quick 0.82). Current liabilities exceed current assets, so the company depends on ongoing cash generation or refinancing to pay the next year's bills.
- **Altman Z-score: 0.41**. A Z-score of 0.41 is in the distress zone, a signal to examine the balance sheet closely.
- **Piotroski F-score: 5/9**. 5 of 9 checks pass: mixed.

## Dividends
- **Dividend: none**. Repay Holdings Corporation does not currently pay a dividend.

## Analyst view
- **Analyst consensus: strong_buy** (5 analysts). 5 analysts cover Repay Holdings Corporation; the consensus is strong_buy, with an average price target of $6.85 (+52% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 9.6%** (YTD 28.8%, 3-mo 13.5%). The shares are up 9.6% over twelve months including dividends.
- **From 52-week high: -5.0%** (96.5% above the low). Trading 5% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 72**. An RSI of 72 is in overbought territory; short-term pullbacks are common from here.
- **Beta (1 yr): 1.37** (volatility 70%). Beta of 1.37 against the S&P 500: the shares move much more than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=RPAY · Page: https://foliofundamentals.com/stocks/rpay

Not investment advice.