REPAY HOLDINGS CORP CLASS A (RPAY)
Financials · Vertical market payment processing and fintech · NASDAQ
A vertical-focused payments technology company that embeds electronic payment solutions into enterprise software systems for personal loans, automotive loans, receivables management, and B2B markets.
What REPAY HOLDINGS CORP CLASS A does
REPAY is a payments technology company that provides integrated payment processing solutions to specialized vertical markets including personal loans, automotive loans, receivables management, and business-to-business enterprises. The company's proprietary platform enables clients to accept electronic payments (cards and digital methods) in place of cash and check, deeply embedded into clients' enterprise management systems through direct integrations with loan management systems, dealer management systems, and other software partners. REPAY targets verticals with specific transaction processing needs and maintains long-term client relationships through tailored solutions.
Themes: ["Payment processing and fintech","Vertical market payments solutions","Electronic payments adoption","Software integration and embedded payments","Personal loans payments","Automotive loans and dealer payments","Receivables management / debt collection payments","B2B payments and enterprise payments"]
Fundamentals
- Price$4.06 as of 2026-07-09 close
- Market cap$358M as of 2026-07-10
- 1-year return-19.8% as of 2026-07-09 close
- Net margin-82.7% as of 2026-07-10
- Gross margin+75.1% as of 2026-07-10
- ROE-46.8% as of 2026-07-10
- Debt / equity0.82 as of 2026-07-10
- Revenue growth (YoY)+1.0% as of 2026-07-10
- Revenue CAGR (3y)+3.5% SEC XBRL
- Beta1.85 as of 2026-07-10
Key risks (from latest filing)
["Risk that the proposed KUBRA acquisition may not be completed, delayed, or fail to realize expected synergies; potential disruption to customer, employee and business partner relationships from the transaction announcement","Exposure to economic conditions and consumer/commercial spending volatility, including bank failures, inflationary pressures, recession risk, and impacts on consumer loan and receivables management markets","Competitive and regulatory changes in payment processing market and vertical markets served; inability to execute growth strategies including M&A; risks relating to data security and internal control effectiveness"]
Competitors & peers
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.