Repay Holdings Corporation, a payments technology company, provides integrated payment processing solutions that enables consumers and businesses to make payments using electronic payment methods in the United States. It operates through two segments: Consumer Payments and Business Payments. The company offers payment acceptance solutions, such as debit and credit card processing, automated clearing house (ACH) processing, e-cash, and digital wallet services; virtual credit card processing, enhanced ACH processing, instant funding, clearing and settlement, and communication solutions; and proprietary payment channels that include Web-based, mobile application, text-to-pay, interactive voice response, and point of sale services. It serves customers primarily operating in the personal loans, automotive loans, receivables management, and business-to-business verticals through direct sales representatives and software integration partners. The company was founded in 2006 and is headquartered in Atlanta, Georgia.
Future Prospects | Analyst price targets range from $4.50 to $13.00, with improved free cash flow conversion and potential for accelerated gross profit growth in the latter half of the yea |
Market Dynamics | Delve into Repay's position in the competitive fintech landscape, with projections of mid-single-digit growth in core payment volumes for 2025 |
Strategic Shifts | Explore Repay's strategic review and management changes, including the departure of CFO Tim Murphy, as potential catalysts for operational improvements |
Financial Headwinds | Repay Holdings faces challenges with missed expectations and client losses, yet maintains a strong gross profit margin and sees growth in political media spending |
Metrics to compare | RPAY | Sector Sector - Average of metrics from a broad group of related Industrials sector companies | Relationship RelationshipRPAYPeersSector | |
|---|---|---|---|---|
P/E Ratio | −2.1x | 24.2x | 10.2x | |
PEG Ratio | 0.04 | 0.56 | 0.03 | |
Price / Book | 0.4x | 3.1x | 1.0x | |
Price / LTM Sales | 0.9x | 1.8x | 3.0x | |
Upside (Analyst Target) | 152.4% | 52.1% | 11.6% | |
Fair Value Upside | Unlock | 22.1% | 0.7% | Unlock |