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Repay Holdings Corporation, payments technology company, provides integrated payment processing solutions to industry-oriented markets in the United States. It operates through two segments: Consumer Payments and Business Payments. The company's payment processing solutions enable consumers and businesses to make payments using electronic payment methods. It also offers a range of solutions relating to electronic payment methods, including credit and debit 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, virtual terminal, online client portal, 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.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
Repay Holdings Corp (RPAY.US) operates a payments-as-a-service platform that processes electronic payments and provides integrated billing and payments technology for vertical markets such as healthcare, utilities, education and financial services across online, mobile and point-of-sale channels. Long-term growth may be supported by continued migration to digital payments, expansion of recurring billing and vertical-specific integrations, and partnership distribution that could support scalable revenue and margin improvement appealing to investors.
Material risks include intense competition and pricing pressure in payments, regulatory and compliance requirements, client concentration and transaction-volume cyclicality, and technology or security failures that could disrupt processing or increase costs.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
| Income before tax | 14.91M | -86.73M | -58.90M | 10.54M | 1.52M |
| Minority interest | -4.09M | -5.95M | -11.77M | 206.16M | 206.16M |
| Net income | 8.74M | -56.04M | -46.54M | 10.54M | 1.52M |
| Selling general administrative | 149.06M | 120.05M | 0.09M | 96.96M | 1.15M |
| Selling and marketing expenses | - | - | 87.21M | - | - |
| Gross profit | 214.40M | 163.77M | 113.59M | 130.01M | -1.15M |
| Reconciled depreciation | 107.75M | 89.69M | 60.81M | - | - |
| Ebit | 24.08M | -69.08M | -37.03M | 16.61M | -1.15M |
| Ebitda | 131.83M | 20.61M | 23.78M | 27.03M | -1.27M |
| Depreciation and amortization | 107.75M | 89.69M | 60.81M | 10.42M | -0.12M |
| Non operating income net other | 66.49M | -29.05M | -12.44M | - | - |
| Operating income | 24.08M | -69.08M | -37.03M | 16.61M | -1.15M |
| Other operating expenses | 321.64M | 265.23M | 189.56M | 113.40M | 1.15M |
| Interest expense | 4.38M | 3.68M | 14.45M | 6.07M | 2.67M |
| Tax provision | 6.17M | -30.69M | -12.36M | -4.99M | - |
| Interest income | - | - | 14.45M | 9.07M | 2.56M |
| Net interest income | -4.38M | -3.68M | -14.45M | - | 2.56M |
| Non recurring | 8.09M | 2.18M | - | - | - |
| Income tax expense | 6.17M | -30.69M | -12.36M | -4.99M | -2.67M |
| Total revenue | 279.23M | 219.26M | 155.04M | 130.01M | 0.00M |
| Total operating expenses | 256.81M | 209.75M | 148.11M | 113.40M | 1.15M |
| Cost of revenue | 64.83M | 55.48M | 41.45M | 25.87M | 1.15M |
| Total other income expense net | -9.16M | -17.65M | -21.87M | -6.07M | 0.12M |
| Net income from continuing ops | 8.74M | -56.04M | -46.54M | -55.30M | 1.52M |
| Net income applicable to common shares | 12.84M | -50.08M | -34.77M | -16.29M | 10.54M |
| Breakdown | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Total assets | 1533.05M | 1626.80M | 1685.84M | 1109.98M | 782.04M |
| Intangible assets | 447.14M | 500.57M | 577.69M | 369.23M | 333.05M |
| Other current assets | 13.81M | 18.21M | 12.43M | 6.92M | 4.63M |
| Total liab | 702.26M | 698.51M | 772.80M | 553.80M | 321.53M |
| Total stockholder equity | 815.13M | 894.56M | 874.00M | 509.31M | 254.35M |
| Other current liab | 33.80M | 58.06M | 26.06M | 10.24M | 6.34M |
| Common stock | 0.01M | 0.01M | 0.01M | 0.01M | 0.00M |
| Capital stock | 0.01M | 0.01M | 0.01M | 0.01M | 0.00M |
| Retained earnings | -323.67M | -213.18M | -226.02M | -88.65M | -53.88M |
| Other liab | - | 156.79M | 222.88M | 229.57M | 61.62M |
| Good will | 716.79M | 827.81M | 824.08M | 458.97M | 389.66M |
| Other assets | - | 167.54M | 1685.84M | 22.23M | 21.21M |
| Cash | 118.10M | 64.89M | 50.05M | 91.13M | 24.62M |
| Total current liabilities | 57.46M | 82.11M | 92.35M | 65.44M | 51.71M |
| Current deferred revenue | - | - | 44.21M | 35.03M | 30.54M |
| Net debt | 324.95M | 396.98M | 409.52M | 175.95M | 188.82M |
| Short term debt | 1.63M | 2.26M | 1.99M | 8.29M | 5.25M |
| Short long term debt | - | - | - | 6.76M | 5.50M |
| Short long term debt total | 443.04M | 461.88M | 459.57M | 267.08M | 213.44M |
| Other stockholder equity | 1138.80M | 1107.74M | 1100.01M | 604.39M | 307.91M |
| Property plant equipment | - | 4.38M | 3.80M | 1.63M | 1.61M |
| Total current assets | 169.32M | 116.65M | 95.71M | 119.37M | 43.88M |
| Net tangible assets | - | -433.83M | -527.77M | 26.44M | -468.36M |
| Net receivables | 37.42M | 33.54M | 33.24M | 21.31M | 14.63M |
| Long term debt | 434.17M | 451.32M | 448.48M | 249.95M | 207.94M |
| Inventory | 0.00M | - | -0.00M | - | - |
| Accounts payable | 22.03M | 21.78M | 20.08M | 11.88M | 9.59M |
| Noncontrolling interest in consolidated entity | - | 33.73M | 39.03M | 46.87M | - |
| Accumulated other comprehensive income | -0.00M | -0.00M | -0.00M | -6.44M | 0.31M |
| Common stock total equity | - | 0.01M | 0.01M | 0.01M | 0.00M |
| Retained earnings total equity | - | -213.18M | -226.02M | -88.65M | - |
| Treasury stock | - | -10.00M | - | - | - |
| Non currrent assets other | 2.50M | 31.17M | 28.79M | 15.38M | 13.84M |
| Non current assets total | 1363.73M | 1510.15M | 1590.13M | 990.61M | 738.16M |
| Capital lease obligations | 8.88M | 10.56M | 11.08M | 10.36M | - |
| Long term debt total | - | 451.32M | - | - | 207.94M |
| Breakdown | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
| Investments | -39.54M | -2.50M | -145.98M | -2.50M | -260.58M |
| Change to liabilities | 6.14M | -0.73M | 1.35M | 3.95M | 1.50M |
| Total cashflows from investing activities | -39.54M | -397.34M | -145.98M | -339.13M | -5.80M |
| Net borrowings | - | 183.29M | 41.85M | 123.19M | -1.90M |
| Total cash from financing activities | -17.46M | 313.84M | 186.10M | 350.69M | 261.62M |
| Change to operating activities | -1.21M | -8.61M | 2.71M | 26.14M | 3.13M |
| Net income | 8.74M | -56.04M | -46.54M | 9.45M | 1.52M |
| Change in cash | 17.22M | -30.16M | 68.60M | 32.85M | 0.08M |
| Begin period cash flow | 76.34M | 106.50M | 37.90M | 0.11M | 0.03M |
| End period cash flow | 93.56M | 76.34M | 106.50M | 32.96M | 0.11M |
| Total cash from operating activities | 74.22M | 53.33M | 28.49M | 21.29M | -0.96M |
| Issuance of capital stock | 0.00M | 142.10M | 509.90M | - | 253.50M |
| Depreciation | 107.75M | 89.69M | 60.81M | 29.98M | 10.42M |
| Other cashflows from investing activities | -36.37M | -391.97M | -144.99M | -331.21M | -260.58M |
| Dividends paid | 0.95M | 0.06M | 1.50M | 7.09M | 6.31M |
| Change to inventory | - | - | 11.53M | - | - |
| Change to account receivables | 0.70M | -6.52M | -2.89M | 1638.46M | -1.53M |
| Sale purchase of stock | -12.66M | -4.04M | -1.41M | 240.66M | 262.33M |
| Other cashflows from financing activities | -3.85M | 438.50M | -304.18M | 90979.62M | 8.40M |
| Change to netincome | 32.78M | 9.04M | 7.09M | 19.57M | -0.29M |
| Capital expenditures | 39.54M | 23.51M | 24.27M | 498.51M | 0.91M |
| Change receivables | 0.70M | -6.52M | -2.33M | - | - |
| Cash flows other operating | -84.72M | 15.34M | 6.69M | - | - |
| Cash and cash equivalents changes | 17.22M | -30.16M | 68.60M | - | - |
| Change in working capital | 1.18M | -10.35M | -0.14M | -8.00M | 0.19M |
| Stock based compensation | 20.25M | 22.31M | 19.45M | 0.62M | - |
| Other non cash items | -1.03M | 24.34M | -5.16M | -5.78M | -2.67M |
| Free cash flow | 34.68M | 29.82M | 4.21M | -477.23M | -0.96M |
Sector: Technology Industry: Software - Infrastructure
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
Enterprise Value
to EBITDA (x) |
|---|---|---|---|---|---|---|---|---|
| RPAY Repay Holdings Corp |
-0.14 2.96% |
4.42 | - | 10.06 | 3.34 | 1.14 | 4.23 | 16.03 |
| MSFT Microsoft Corporation |
-6.17 1.15% |
529.76 | 37.32 | 29.94 | 13.03 | 12.45 | 13.06 | 24.59 |
| ORCL Oracle Corporation |
1.82 1.58% |
116.98 | 21.96 | 17.89 | 5.91 | 7.08 | 7.82 | 14.89 |
| CRWD Crowdstrike Holdings Inc |
5.25 2.42% |
222.45 | 4849.80 | 188.68 | 46.01 | 47.24 | 43.89 | 559.34 |
| FTNT Fortinet Inc |
-0.33 0.27% |
122.18 | 60.27 | 43.86 | 16.80 | 80.50 | 16.11 | 43.33 |
Repay Holdings Corporation, payments technology company, provides integrated payment processing solutions to industry-oriented markets in the United States. It operates through two segments: Consumer Payments and Business Payments. The company's payment processing solutions enable consumers and businesses to make payments using electronic payment methods. It also offers a range of solutions relating to electronic payment methods, including credit and debit 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, virtual terminal, online client portal, 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.
| Name | Title | Year Born |
|---|---|---|
| Mr. John Andrew Morris Sr., CPA | CEO, Co-Founder & Director | 1969 |
| Mr. Shaler V. Alias CPP | Pres, Co-Founder & Director | 1980 |
| Mr. Timothy John Murphy | Chief Financial Officer | 1982 |
| Mr. Tyler B. Dempsey | Gen. Counsel & Sec. | 1974 |
| Mr. Jacob Hamilton Moore | Exec. VP of Corp. Devel. & Strategy | 1988 |
| Mr. Michael Frank Jackson | Chief Operating Officer | 1963 |
| Mr. David M. Guthrie | Chief Technology Officer | 1967 |
| Ms. Naomi Barnett | Exec. VP of HR | 1991 |
| Ms. Susan Perlmutter | Chief Revenue Officer | 1964 |
| Mr. Darin Horrocks | Exec. VP of Bus. Payments | NA |
Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
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