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RPAY · Repay Holdings Corp

Track RPAY — free
$3.70 +0.14 (+3.93%) At close · Sep 14
Market Cap
$319.90M
Shares
89.86M

Price & Indicators

20d MA 50d MA 200d MA Earnings Filing Insider Congress Investor day
Close$3.56 Open$3.62 Day$3.54–3.62 52W close$2.40–5.92 Avg vol 30d446K Short int3.9M · 4.3% float · 10.6d Short vol51% Last earningsAug 10, 2026 DataJan 2020–Sep 2026 Filing10-Q · Aug 10

Up next

Next earnings call
Nov 13, 2026 Est · unconfirmed · in 8 wks
filed Aug 10, 2026

Metrics snapshot

Useful current figures from the complete screener profile.

Revenue (TTM)
$337.81M
Trailing 12 months
Net income (TTM)
−$167.45M
Trailing 12 months
Revenue growth YoY
+33.2%
Year over year
Operating margin
-44.2%
Trailing 12 months
P / E (TTM)
Trailing earnings
FCF yield
TTM · current market cap
Return on invested capital
Trailing 12 months
Net cash
−$669.48M
Latest balance sheet
Dividend yield
Trailing 12 months
Shares change YoY
-6.0%
Year over year · fewer shares
Price change (1Y)
-39.9%
Trailing year
Short interest
4.3%
Latest settlement · 10.6 days to cover
View all 115 metrics

AI Brief

Q2 FY26 earnings call · Aug 10, 2026
Q2 FY26

TL;DR. Repay completed the KUBRA acquisition in June, driving Q2 revenue up 33% to $100.7M with 6% organic growth and $27.4M of free cash flow, while reiterating full-year 2026 guidance. Integration is on track with $4.5M of run-rate synergies already realized exiting Q2, against a backdrop of net leverage at 3.7x that management targets below 3x within 18 months.

Bullish
  • + KUBRA contributed ~$21M in June and integration is ahead of pace with $4.5M run-rate synergies already realized
  • + Business Payments accelerated with 32% reported revenue growth and 19% normalized organic growth; AP supplier network reached 731,000+ vendors, up ~65% year-over-year
  • + Full-year 2026 outlook reiterated: $490–$500M revenue, $168.5–$176M adjusted EBITDA, targeting ~35% adjusted EBITDA margins
  • + Deleveraging is a stated priority with a target to bring net leverage below 3x within 18 months
Bearish
  • Gross margin compressed to 70% from 76% year-ago due to KUBRA's lower-margin product mix

AI-generated from the earnings call and 8-K · may contain errors · not investment advice

Equibles Rating

blended score · not investment advice
Overall
Sell
SellHoldBuy
Technical Neutral Momentum Neutral Sentiment Neutral Fundamentals Fair Quant / Vol Very High
Market backdrop VIX 15.8 · calm Equity put/call 0.58
Technical
price trend
Neutral
50 / 200-day cross No cross
Price vs 200-day avg +2%
above
Price vs 50-day avg −8%
below
RSI (14) 43
neutral
MACD trend Negative
52-week position 33%
mid-range
Volume (OBV) Confirms
volume backs price
Momentum
relative strength
Neutral
1-month return −7%
trailing
6-month return +37%
trailing
YTD return −2%
this year
Relative strength +20%
vs S&P · 6-mo
Sentiment
smart money
Neutral
Trend (MA cross) No cross
50d $4 › 200d $3 — 50d above 200d
Institutional flow Distributing
-3% holders QoQ · +16 funds added
Insider flow Flat
No net insider activity over 90 days
Short interest Falling
4.34% of float · ▼ -1.6% MoM · 10.6 days cover
Volume signal Normal
Volume near normal
Institution breadth Multi-yr low
142 holders — near 3-yr low, contrarian setup
Squeeze score 60
elevated · 0–100
Fundamentals
Fair
Revenue growth −1%
Y/Y
Gross margin 75%
contracting
EPS growth −2627%
Y/Y
Free cash flow $90.8M
Buyback $23.0M
remaining
Balance sheet $310.9M
net debt
Quant / Vol
risk profile
Very High
Volatility 72%
annualized · 1-yr
Max drawdown −59%
past year
ATR 4.8%
of price · 14-day

Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

Guidance & track record

Beat or met 2 of last 3
Latest guidance · from the 8-K filed Aug 10, 2026
Full Year 2026
Revenue Initiated $490M – $500M
prior FY $309.26M midpoint +60.1% Y/Y
Adjusted EBITDA Non-GAAP Initiated $168.5M – $176M
Adjusted Free Cash Flow Conversion Non-GAAP Initiated 35%
full year 2026
FREE CASH FLOW CONVERSION Non-GAAP Initiated 30%
Organic Growth Non-GAAP Initiated 60%
Prior guidance period ended · from the 8-K filed Aug 8, 2024
REVENUE · FY 2024 $314M – $320M
GROSS PROFIT · FY 2024 $245M – $250M
FREE CASH FLOW CONVERSION · FY 2024 60%
ADJUSTED EBITDA · FY 2024 $139M – $142M
Gross Profit Margin · FY 2024 78%
Guided vs delivered · last 3 settled
REVENUE FY 2024
guided $314M – $320M
$313.04M Miss −1.2%
Total revenue 2021
guided $216M – $222M
$219.26M In line
Total revenues remainder of 2020
guided $148M – $153M
$155.04M Beat +3.0%

Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.

Technicals

trend & momentum for long-term holders Neutral
2 · 4 · 1
50 / 200-day cross
No cross Neutral
Price vs 200-day avg
+2% Bullish
Price vs 50-day avg
−8% Bearish
RSI (14)
43 Neutral
MACD trend
Negative Bearish
52-week position
33% Neutral
Volume (OBV)
Confirms Neutral
Market signals — smart money & positioning
Mixed
Trend (MA cross) No cross
50d $4 › 200d $3 — 50d above 200d
Institutional flow Distributing
-3% holders QoQ · +16 funds added
Insider flow Flat
No net insider activity over 90 days
Short interest Falling
4.34% of float · ▼ -1.6% MoM · 10.6 days cover
Volume signal Normal
Volume near normal
Institution breadth Multi-yr low
142 holders — near 3-yr low, contrarian setup
Price context
position in its 52-week range
Range low $2 Now $4 · 33% Range high $6
vs 200-day avg +2% vs 50-day avg -8%

Illustrative technical + ownership context — a signal mix, not investment advice.

Key metrics

Earlier KPI extraction records exist, but do not meet the current evidence-completeness requirements. No current verified series is available. Earlier figures remain withheld until revalidated; this is not evidence that the company reports no KPIs.

Versus peers

Software - Infrastructure — same industry group
Open screener →
Company Mkt cap YTD Rev growth Y/Y P/E Short % shares
RPAY
Repay Holdings Corp
this stock
$319.90M -2.5% -1.2% 4.3%
MSFT
Microsoft Corp
$3.68T +2.5% +6.9% 27.6 1.0%
ORCL
Oracle Corp
$454.41B -22.9% +17.3% 23.6 1.5%
PLTR
Palantir Technologies Inc.
$401.86B -5.9% +56.2% 142.9 2.7%
PANW
Palo Alto Networks Inc
$270.47B +79.5% +29.0% 2.6%

Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

At a glance

key data from every section
Ownership
Institutional Holders Reducing
Holders
142
% held
80.1%
Net QoQ
-338.3K sh
Top holder
Forager Capital Managemen…
Held Float
View
Held by Funds
Fund positions
160
View
Short & Settlement
Short Interest Falling
Shares short
3.9M
Days to cover
10.6d
Change
-64.4K sh
View
Short Volume
Short vol %
51%
As of
Sep 14, 2026
Short Total
View
Fails to Deliver
FTD shares
1.3K
Value
$5.3K
As of
Jul 28, 2026
View
Off-Exchange
Off-exchange %
43.7%
Week of
Aug 10, 2026
Off-exch Lit
View
Financials
Financials
Revenue (FY)
$309.3M
Net income (FY)
$-256.7M
EPS diluted
$-3.00
View
Buybacks
Authorized
shares 3.1M
Remaining
$23.0M
View
Filings
SEC Filings
Latest
8-K/A
Filed
Aug 17, 2026
This year
18
View
Proposed Sales
Value
$153.9K
Shares
26.4K
Filed
Sep 12, 2025
View
Earnings & Events
Earnings Calls
Last call
Aug 12, 2026
View

Performance

5D 20D 120D MTD YTD
RPAY -8.3% -7.1% +37.5% -0.8% -2.5%
SPY -1.2% -1.8% +17.8% -0.4% +12.1%
vs SPY -7.1% -5.3% +19.6% -0.5% -14.6%

Capital returns

Buyback program · as of Mar 31, 2026
Authorized
shares 3.10M
Spent (derived)
Remaining
$23.00M

Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.

Key facts CIK 1720592 CUSIP 76029L100 13F (30d) 8 filings 8 filers Visit website Investor relations