Repay Holdings Corporation

RPAY

$3.88

+1.31%

2026-09-03 16:00:00 EDT+$0.05

Technology

Software - Infrastructure

NASDAQ

Active Trading

Repay Holdings Corporation specializes in delivering comprehensive payment technology solutions, specifically designed for various specialized markets. The company empowers consumers and businesses ...

Price Action of RPAY

$3.88

+1.31%+$0.05

High—

Low—

52W High-35.3%

Rel. vol—

Interval

Range6.2h

Volume—SMA5SMA10

—

Company Overview of RPAY

Repay Holdings Corporation (RPAY) is a payments technology company headquartered in Atlanta, Georgia, founded in 2006 by John Morris, who serves as CEO and a board member. The company specializes in delivering comprehensive payment technology solutions for specialized markets, enabling electronic transactions via credit/debit card processing, virtual cards, standard and ...Repay Holdings Corporation (RPAY) is a payments technology company headquartered in Atlanta, Georgia, founded in 2006 by John Morris, who serves as CEO and a board member. The company specializes in delivering comprehensive payment technology solutions for specialized markets, enabling electronic transactions via credit/debit card processing, virtual cards, standard and enhanced ACH, and immediate funding options. Its multi-channel platforms include web portals, mobile apps, text-to-pay, IVR, and point-of-sale terminals. Clients are primarily in personal loans, automotive loans, receivables management, and B2B sectors. REPAY distributes solutions via a direct sales team and software integration partnerships. As of the latest data, the company has 486 full-time employees and trades on NASDAQ. Financially, RPAY reported a market cap of approximately $348 million, revenue per share of $3.79, and a negative net profit margin due to ongoing losses. The company's enterprise value is around $704 million, with significant debt and intangible assets. Despite losses, it maintains a positive gross profit margin of 75.1% and generates operating cash flow of $1.28 per share. REPAY focuses on vertical-specific solutions, aiming to streamline billing and improve cash flow for businesses. Recent acquisitions, such as CPS Payment Services for up to $93 million, highlight its growth strategy. Key people include CEO John Morris, and the company emphasizes an employee-first culture. Future outlook involves expanding its integrated payment platform and enhancing client experiences.ExpandCollapse

Founded

2006

Employees

486

CEO

John Andrew Morris

Full Name

Repay Holdings Corporation

Sector

Technology

Industry

Software - Infrastructure

ROE

-32.64%

Market Cap

$0.34B

Current Ratio

1.45

WACC

7.88%

ROIC

-12.11%

Contact Information

https://www.repay.com

404 504 7472

3060 Peachtree Road NW, Atlanta, GA 30305

Key Metrics of RPAY

Snapshot

Latest / TTM · 6 periods

Market Cap

$341.78M

ROCE

-0.7%

EV / EBITDA

-18.03x

+0.5% YoY

FCF Yield

16.2%

-12.9% YoY

Cash Conversion Cycle

-101.2d

Current Ratio

1.45

Quick take

TTM —

No major risk flags in selected headline metrics.

Financial Highlights of RPAY

Profitability trend

Latest / TTM · 6 periods

Gross Margin

73.5%

Net Margin

-49.6%

P/E Ratio

-1.90x

n/a

Debt / Equity

1.64

n/a

Current Ratio

1.45

Dividend Yield

0.0%

Understanding

TTM —

Interest coverage is weak

Calendar of RPAY

Upcoming

Sep 30, 2026In 26 days
Q3 FY2026 · Estimated results
Est. EPS $0.22 · Revenue $152.48M · 1 analysts
Dec 30, 2026
Q4 FY2026 · Estimated results
Est. EPS $0.24 · Revenue $158.11M · 2 analysts
Dec 31, 2026
FY2026 · Estimated annual results
Est. EPS $0.89 · Revenue $492.08M · 2 analysts
Mar 30, 2027
Q1 FY2027 · Estimated results
Est. EPS $0.24 · Revenue $152.94M · 1 analysts

Recent history

Aug 10, 2026
Q2 FY2026 · Results reported
EPS $-0.13 · Revenue $100.70M
View filing
May 4, 2026
Q1 FY2026 · Results reported
EPS $-0.12 · Revenue $80.79M
View filing
Mar 9, 2026
FY2025 · Annual results
EPS $-3.00 · Revenue $309.26M
View filing
Nov 10, 2025
Q3 FY2025 · Results reported
EPS $-0.08 · Revenue $77.72M
View filing
Aug 11, 2025
Q2 FY2025 · Results reported
EPS $-1.15 · Revenue $75.63M
View filing
May 12, 2025
Q1 FY2025 · Results reported
EPS $-0.09 · Revenue $77.33M
View filing

Financial Statements of RPAY

5Y Trend (Revenue, Earnings, FCF)

Metric	Latest	YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength.	QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes.
RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three).	$309.3M	-1.2%	+24.6%
Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day.	$-256.7M	-2427.8%	-10.5%
Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials.	+75.0%	-2.7%	-7.8%
Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on).	-3.9%	-56.8%	-37229.1%
Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales.	-83.0%	-2458.7%	+11.3%
Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock.	$91.1M	-13.4%	+322.2%
FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine.	+29.5%	-12.4%	+278.3%
Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe.	90.2%	+35.0%	+95.3%
Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking.	0.82x	-69.6%	-19.0%
Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground.	$1.2B	-23.7%	+40.9%

Actual vs Estimate

A Dec 31Q Sep 30

Metric	Annual (A vs E)	Annual Surprise	Quarter (A vs E)	Quarter Surprise
EPS Surprise	-3.00 vs 0.84	-458.1%	-0.13 vs 0.22	-158.7%
Revenue Surprise	$309.3M vs $307.6M	+0.6%	$100.7M vs $152.5M	-34.0%

Insider Transactions of RPAY

Acquisitions (A)

Since May 31, 2026

Disposals (D)

Since May 31, 2026

Monthly shares of acquisitions/disposals with close price trend (shared daily price source)

Insider Trading Snapshot

Date	Executive	Title	Security	Side	Shares	Price
Jul 31, 2026	Sadek Zachary F	director	Class A Common Stock	A	42,500	—
Jul 13, 2026	Sadek Zachary F	—	—	—	0	—
Jun 10, 2026	THORNBURGH RICHARD E	director	Class A Common Stock	A	50,295	—
Jun 10, 2026	GARCIA PAUL R	director	Class A Common Stock	A	50,295	—
Jun 10, 2026	Rios Emnet Legesse	director	Class A Common Stock	A	50,295	—

Earnings Call Transcript of RPAY

1 transcript segments

Q2 2026

Unknown Speaker

Operator: Good afternoon. I'd like to welcome everyone to Repay Holdings Corporation's Second Quarter 2026 Earnings Call. This call is being recorded. August 10, 2026. I'd like to turn the session over to Stewart Grisante, Head of Investor Relations at REPAY. Stewart, you may begin. Stewart Grisante: Thank you. Good afternoon, and welcome to REPAY's Second Quarter 2026 Earnings Conference Call. With us today are John Morris, Co-Founder and Chief Executive Officer, and Robert Houser, Chief Financial Officer. During this call, we will be making forward-looking statements about our beliefs and estimates regarding future events and results. Those forward-looking statements are subject to risks and uncertainties, including those set forth in the SEC filing related to today's results and in our most recent Form 10-K. Actual results may differ materially from any forward-looking statements that we make today. Forward-looking statements speak only as of today, and we do not assume any obligation or intent to update them, except as required by law. In an effort to provide additional information to investors, today's discussion will also reference certain non-GAAP financial measures. Reconciliations and other explanations of those non-GAAP financial measures can be found in today's press release and in the earnings supplement, each of which are available on the company's IR site. With that, I will now turn the call over to John. John Morris: Thanks, Stewart. Good afternoon, everyone, and thank you for joining us today. It has been an exciting and busy time for REPAY. During the second quarter, we delivered revenue growth of 33% and achieved approximately 6% organic revenue growth while generating $27.4 million of free cash flow, a 75% conversion. During this time, management has been focused on core growth, clients and operational execution across the company. Our most significant corporate development this year was completing the KUBRA acquisition in June. We immediately began executing on the integration, building on the groundwork we had laid in the months leading up to closing. REPAY is now fully positioned to be a leading consumer bill payment and communication services platform in the United States and Canada. On a pro forma basis, REPAY essentially doubled the revenue of the company while also now reaching over $130 billion of annualized payment volume. REPAY is at the center of the client's experience in essential services and high-priority payments. Historically, billers had to assemble the pieces from separate providers. We can now offer a complete end-to-end digital bill pay platform, bill design and presentment, communications, core processing, and a clearing and settlement engine across verticals and clients. In doing so, we believe REPAY is the only company able to offer this full end-to-end platform for our clients. We're already seeing this in practice. In the first month of owning KUBRA, executive management has been on the road, …

Leadership Team of RPAY

10 executives

Name	Title	Compensation	Gender	Year Born	Status
John Andrew Morris	Chief Executive Officer, Co-Founder & Director	USD 850,500	Male	1969	Active
David Guthrie	Chief Technology Officer	USD 680,147	Male	1967	Active
Matthew Morrow	Executive Vice President of Consumer Payments	USD 629,243	Male	—	Active
Tyler Dempsey	General Counsel & Secretary	USD 544,724	Male	1974	Active
Robert Scott Houser	Chief Financial Officer	USD 329,142	Male	1976	Active
Thomas Eugene Sullivan	Chief Accounting Officer	USD 289,021	Male	—	Active
Stewart Joseph Grisante	Head of Investor Relations	—	Male	—	Active
Naomi Barnett	Executive Vice President of Human Resources	—	Female	1991	Active
Rick Watkin	President of KUBRA	—	Male	—	Active
Darin Horrocks	Executive Vice President of Business Payments	—	Male	—	Active

Recent News of RPAY

Seeking Alpha8/11/2026Neutral

Repay Holdings Corporation (RPAY) Q2 2026 Earnings Call Transcript

MarketBeat8/10/2026Neutral

Repay Q2 Earnings Call Highlights

Repay NASDAQ: RPAY reported second-quarter revenue growth of 33% as the payments company began consolidating results from its June acquisition of KUBRA, while management reiterated its full-year outlook and outlined integration, synergy and deleveraging targets.

Zacks Investment Research8/10/2026Neutral

Repay Holdings (RPAY) Meets Q2 Earnings Estimates

Repay Holdings (RPAY) came out with quarterly earnings of $0.2 per share, in line with the Zacks Consensus Estimate . This compares to earnings of $0.2 per share a year ago.

Business Wire8/10/2026Neutral

REPAY Reports Second Quarter 2026 Financial Results

ATLANTA--(BUSINESS WIRE)--Repay Holdings Corporation (NASDAQ: RPAY) (“REPAY” or the “Company”), a leading provider of bill payment solutions, today reported financial results for its second quarter ended June 30, 2026. Second Quarter 2026 Financial Highlights ($ in millions) Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026 Revenue $ 75.6 $ 77.7 $ 78.6 $ 80.8 $ 100.7 Net (loss) income (1) (108.0 ) (6.6 ) (148.3 ) (10.0 ) (11.5 ) Adjusted EBITDA.

Business Wire8/6/2026Neutral

REPAY Introduces REPAY Voice™ for Natural, Conversational Phone Payments

ATLANTA--(BUSINESS WIRE)--REPAY announces an AI-powered IVR solution for natural, conversational phone interactions with a virtual agent to process payments.

Historical Employee Count of RPAY

Current

486

Change

+4.52%

Minimum

465

Maximum

579

Recent Filings

Report Date	Employees	Form Type	Filing Date	SEC Filing
Dec 31, 2025	486	10-K	Mar 9, 2026	View
Dec 31, 2024	465	10-K	Mar 3, 2025	View
Dec 31, 2023	512	10-K	Feb 29, 2024	View
Dec 31, 2022	579	10-K	Mar 1, 2023	View
Dec 31, 2021	552	10-K	Mar 1, 2022	View

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Repay Holdings Corporation