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 ...

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

Financial highlights

Latest / TTM · 6 periods

Snapshot

Latest / TTM: 2026-09-04

Gross Margin

73.5%

Net Margin

-49.6%

P/E Ratio

-1.90x

Debt / Equity

1.64

Profitability

Profitability table

Metric	2021	2022	2023	2024	2025	2026
Gross MarginGross profit as a percentage of revenue.	74.7%	76.8%	76.5%	77.1%	75.0%	—
Operating MarginOperating income as a percentage of revenue.	-24.6%	-16.9%	-37.6%	-2.5%	-3.9%	—
Net MarginNet income as a percentage of revenue.	-22.8%	4.6%	-37.2%	-3.2%	-83.0%	—
EBITDA MarginEBITDA divided by revenue.	16.1%	45.5%	19.7%	32.2%	-52.0%	—
Pre-tax MarginPre-tax profit as a percentage of revenue.	-39.6%	5.3%	-40.3%	-3.5%	-89.6%	—

Liquidity & leverage

Liquidity & leverage table

Metric	2021	2022	2023	2024	2025	2026
Current RatioCurrent assets divided by current liabilities.	1.04	1.42	3.14	2.69	0.82	—
Quick RatioLiquid assets divided by current liabilities.	1.04	1.42	3.14	2.69	0.82	—
Cash RatioCash and equivalents divided by current liabilities.	0.54	0.79	2.06	1.85	0.48	—
Debt / AssetsDebt as a share of total assets.	27.3%	28.4%	29.2%	32.4%	36.4%	—
Debt / EquityDebt compared with shareholder equity.	0.53	0.52	0.54	0.67	0.90	—

Operating efficiency

Operating efficiency table

Metric	2021	2022	2023	2024	2025	2026
Receivables TurnoverHow often receivables are collected in a year.	6.60x	8.32x	8.24x	9.50x	8.50x	—
Inventory TurnoverHow often inventory is sold in a year.	0.00x	0.00x	0.00x	0.00x	0.00x	—
Payables TurnoverHow often payables are paid in a year.	2.76x	2.98x	3.16x	2.48x	3.07x	—
Asset TurnoverRevenue generated per dollar of assets.	0.13x	0.17x	0.20x	0.20x	0.26x	—
Working Capital TurnoverRevenue generated per dollar of working capital.	7.65x	14.73x	3.76x	2.11x	4.79x	—

Valuation ratios

Valuation ratios table

Metric	2021	2022	2023	2024	2025	2026
P/E RatioPrice paid for each dollar of earnings.	-30.45x	57.50x	-6.94x	-69.36x	-1.22x	—
P/B RatioPrice paid for each dollar of book value.	1.74x	0.80x	0.94x	0.90x	0.64x	—
P/S RatioPrice paid for each dollar of sales.	6.94x	2.56x	2.59x	2.19x	1.01x	—
P/FCF RatioPrice paid for each dollar of free cash flow.	51.04x	20.61x	19.59x	6.52x	3.43x	—
Dividend YieldAnnual dividend divided by current share price.	0.0%	0.1%	0.5%	0.3%	0.0%	—

Supply Chain of RPAY

RELATIONS

Upstream

Visa Inc.NYSE:V Mastercard Inc.NYSE:MA American Express CompanyNYSE:AXP Discover Financial ServicesNYSE:DFS Green Dot CorporationNYSE:GDOTThe Sage Group plcLON:SGEMeridianLink, Inc.NYSE:MLNK Q2 Holdings, Inc.NYSE:QTWOAlfa Financial Software Holdings plcLON:ALFAVeem (private)Amazon Web Services (AWS)NASDAQ:AMZN Truist Financial CorporationNYSE:TFCMultiple sponsor banks (not individually named in filings)Unconfirmed

Downstream

KUBRA Data Transfer Ltd. (acquired June 2026)Automotive lending & finance companiesMortgage servicing companiesPersonal lending and credit unionsAccounts Receivable Management (ARM) companiesHealthcare payment providersEnterprise AP / B2B payment clientsMeridianLink partner channel (NYSE:MLNK)NYSE:MLNK Q2 Holdings partner channel (NYSE:QTWO)NYSE:QTWOSage Intacct MarketplaceLON:SGE

Proxies

Paymentus Holdings Inc.NYSE:PAY Corpay, Inc.NYSE:CPAY Priority Technology Holdings, Inc.NASDAQ:PRTH ACI Worldwide, Inc.NASDAQ:ACIW

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