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$4.01 as of 2026-08-21 close
- Market cap$332M as of 2026-08-24
- 1-year return-26.6% 2025-08-21 close $5.46 → 2026-08-21 close $4.01
- P/En/a negative earnings
- Net margin-82.7% as of 2026-08-24
- Gross margin+75.1% as of 2026-08-24
- ROE-46.8% as of 2026-08-24
- Debt / equity0.82 as of 2026-08-24
- Revenue growth (YoY)+1.0% as of 2026-08-24
- Revenue CAGR (3y)+3.5% SEC XBRL
- Beta1.91 as of 2026-08-24
- Last reported earnings2026-08-10 SEC EDGAR Form 8-K (Item 2.02)
How RPAY compares in its sector
- net profit marginbottom 10% 538 covered Financials peers, as of 2026-08-24
- operating marginbottom 10% 534 covered Financials peers, as of 2026-08-24
- gross marginmiddle range 176 covered Financials peers, as of 2026-08-24
- return on equitybottom 10% 575 covered Financials peers, as of 2026-08-24
- 3-year revenue CAGRmiddle range 347 covered Financials peers
- free cash flow (absolute dollars, latest fiscal year)middle range 431 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
How REPAY HOLDINGS CORP CLASS A looks technically
REPAY HOLDINGS CORP CLASS A (RPAY) is trading 14.5% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 29 trading days ago — a "golden cross", a bullish long-term signal. There is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 14, below the 25 that marks a real trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 56, neither overbought (above 70) nor oversold (below 30). It made a new 20-day low about 5 trading days ago. It is 33.8% below its highest point of the past year.
Trend
9
| Distance from the 200-day | it is trading 14.5% above its 200-day average, the long-term trend line — a longer-term uptrend | +14.5% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $3.80 | $3.80 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $3.50 | $3.50 |
| Swing structure | its recent peaks and dips disagree — one of them is rising while the other is not, so there is no clean up or down pattern in the swings | mixed — one of the two is not confirming |
| Last swing turn | its last significant turn was a swing high 23 calendar days ago — the swings before that are what the structure reading is measured on | 23 sessions |
| Wave structure | its recent swings can be read as a completed three-part upward correction — a pullback in the A-B-C shape Elliott-wave chartists use; the labelling fails if price closes above 4.225. It is the only labelling that fits, though not with textbook proportions, and it describes the swings already printed, not what comes next. | possible three-wave upward correction, complete (atypical proportions) |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 29 trading days ago — a "golden cross", a bullish long-term signal | 29 sessions |
| Above the 200-day after a dip | it recently dipped to its 200-day average (the long-term trend line) and has since climbed back above it — now about 14.5% above | +14.5% |
| Trend strength (14-day ADX) | there is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 14, below the 25 that marks a real trend) | 13.5 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 56, neither overbought (above 70) nor oversold (below 30) | 56.0 |
|---|---|---|
| Position in its 14-day range | it is trading in the upper half of its 14-day range ($3.48 to $4.19) — its "stochastic" reading is 75 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 74.8 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, is in negative territory (momentum leaning bearish) | 12 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $6.05 | $6.05 |
|---|---|---|
| From the 52-week high | it is 33.8% below its 52-week high (its highest price of the past year) | -33.8% |
| Above the 52-week low | it is 74.3% above its 52-week low (its lowest price of the past year) | +74.3% |
| Below the 52-week high | it is 33.8% below its highest point of the past year | 33.8% |
| Since a 20-day breakout | it made a new 20-day low about 5 trading days ago | 5 sessions |
| Since a 55-day breakout | it made a new 55-day high about 39 trading days ago | 39 sessions |
| All-time high | its highest closing price on record is $28.42 (set on 2020-12-22) | $28.42 |
| Given back of the 52-week move | over the past year its closes ranged ($2.40 to $5.96), and it has recovered around half of its fall from last year’s high — 45% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $4.60 to $4.71. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 45.2% |
| From the all-time high | it is 85.9% below its all-time high | -85.9% |
| Nearest price level | it is trading 5.3% below a resistance level at $4.22 — a price it turned at twice since 2026-06-02, most recently on 2026-07-29. Since 2024-08-21 it has 3 such levels below the current price and 11 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | +5.3% |
| All-time low | its lowest closing price on record is $2.30 (set on 2026-04-07) | $2.30 |
| Above the all-time low | it is 74.3% above its all-time low | +74.3% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are narrower than usual versus its own recent 6-month history (tighter than about 87% of it) | 13th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.1973 between its high and its low — about 4.9% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.1973 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $3.54 and $4.26 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $3.54 – $3.90 – $4.26 |
| Typical daily range (% of price) | its price moves about 4.9% in a typical session — about typical for the companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 4.9% |
| Stretch from the 200-day average | it is trading 2.6 daily ranges above its 200-day average price (14.5% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 2.6 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 0.63× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating is unchanged since the prior reading | unchanged |
Candlestick patterns
4
| Since a doji | 7 sessions ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 7 sessions ago |
|---|---|---|
| Since a hammer | 6 sessions ago, after a stretch of decline, it sold off hard during the session and then closed back near its high — a "hammer", the long lower wick showing the drop was bought back before the close | 6 sessions ago |
| Since a bullish engulfing | 3 sessions ago it opened below the previous session's close and finished above that session's open — a "bullish engulfing" pair, where one up day more than undid the down day before it | 3 sessions ago |
| Since a bearish engulfing | 5 sessions ago it opened above the previous session's close and finished below that session's open — a "bearish engulfing" pair, where one down day more than undid the up day before it | 5 sessions ago |
Price gaps
2
| Gap at the open | it opened on 2026-08-21 0.8% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | +0.8% |
|---|---|---|
| Gap filled | a 3.9% gap up opened on 2026-08-11 has been "filled" 8 sessions ago — price traded back through the level the gap left behind, and it closed again during the very session that opened it | 8 sessions ago |
Price streaks
1
| Closing streak | it has closed higher 4 sessions in a row, a +14.25% move over the run — an unbroken run of up days, which describes what has already happened and says nothing about the next session | 4 sessions up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock beat the market by 4.9 percentage points (the stock gained 7.2% while the market gained 2.3%) | +4.9% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 16.6 percentage points (the stock gained 19.7% while the market gained 3.1%) | +16.6% |
| vs market, 6 months | over the past 6 months this stock beat the market by 11.6 percentage points (the stock gained 22.6% while the market gained 11.1%) | +11.6% |
| vs market, 12 months | over the past 12 months this stock lagged the market by 47.0 percentage points (the stock lost 26.6% while the market gained 20.5%) | -47.0% |
Signal agreement
2
| Bullish technical signals | 4 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, outperforming the market over 6 months, trading above the Ichimoku cloud — these describe past price behaviour, not a forecast | 4 of 9 |
|---|---|---|
| Bearish technical signals | 1 of the 9 technical signals we can compute for it is currently in a bearish state: MACD momentum is negative — these describe past price behaviour, not a forecast | 1 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 1.5% above the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-16 and projected forward over today's price, the side traders read as an established uptrend, with the band below acting as the level that would have to give way. The band itself is moderate, spanning 2.6% of the share price. | +1.5% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 16% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $3.46 — a volume-weighted average of daily closes over 157 sessions, not a true tick-by-tick VWAP. | +15.9% |
|---|---|---|
| Vs the average paid since it last reported | the price is 7% above the average price paid since it last reported on 2026-08-10 (its 10-Q), so the typical buyer over that stretch is showing a gain. That average is $3.73 — a volume-weighted average of daily closes over 10 sessions, not a true tick-by-tick VWAP. | +7.4% |
Price levels it has turned at before
RPAY last closed at $4.01 on 2026-08-21. Since 2024-08-21 it has turned at 3 prices below its last close and 11 above; the 3 nearest below and the 3 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $4.22 | Resistance | 5.3% above the last close | turned there twice · 2026-06-02 to 2026-07-29 |
| $4.29 | Resistance | 7.1% above the last close | turned there twice · 2025-10-23 to 2026-04-17 |
| $3.61 | Support | 10.0% below the last close | turned there twice · 2025-05-06 to 2026-04-24 |
| $4.54 | Resistance | 13.3% above the last close | turned there twice · 2025-06-17 to 2026-06-29 |
| $3.30 | Support | 17.6% below the last close | turned there three times · 2025-12-12 to 2026-03-30 |
| $3.16 | Support | 21.3% below the last close | turned there twice · 2026-05-21 to 2026-06-25 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a three-part upward correction — the A-B-C shape chartists use for a pullback — now complete.
This labelling fails — stops being a possible reading at all — if it closes above $4.22.
It is the only labelling that fits these swings, though its proportions are not the textbook ones. It was chosen from 3 labellings that survived the rules, counting shorter readings of the same bars.
This labelling was already in place when we began recording count changes on 2026-08-13, so how long it has stood is not something we can say yet.
Read from daily closes as of 2026-08-21.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · Recent golden cross (50-day crossed above 200-day) · Tested and reclaimed 200-day support · Pulled back from the 12-month high · trendless / choppy (low ADX) · beating the market | Learn: moving average · golden cross · adx · rsi · breakout · fifty two week high low
Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingStrong Buy (1.40 mean, 1=Strong Buy…5=Strong Sell) — 5 analysts
- Mean price target$6.85 range $4.25 – $10.00; median $6.00
Analyst estimates, as of 2026-08-24. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for RPAY
- Consensus EPS estimate$0.2095 next reporting period, as of 2026-08-24
Change over time is not available yet: it needs two readings of the same reporting period at least 30 days apart, and we have been recording these estimates since 2026-08-04. An estimate for a DIFFERENT quarter is not a revision, so a reading from before the last report is never compared with one after it.
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
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"]
Insider activity (SEC Form 4)
No open-market insider purchases or sales are on record for RPAY — recent Form 4 activity was compensation-related (awards, option exercises, or tax withholding), not open-market buying or selling.
View full insider trading history → View SEC Form 3/4/5 filingsOnly open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
4 institutional 13F filers reported holding RPAY as of 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 4
- Reported shares held 9,230,308
- Reported value $23,998,802
reported quarterly holdings change (2025-12-31 → 2026-03-31): 0 new, 3 increased, 1 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Short interest (FINRA)
RPAY had 4,129,838 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
Short interest as a percent of shares outstanding is not shown for RPAY because we do not hold a verified share count to divide it by. The reported figures above are unaffected.
- Reported short interest (shares) 4,129,838
- Prior settlement (shares) 4,188,319
- Reported change -1.4%
- Days to cover (reported) 9.5
Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Fiserv (FISV)
- Jack Henry & Associates (JKHY)
- Euronet Worldwide
- Repro Payments
- Paylocity (PCTY)
- Bill.com (BILL)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does REPAY HOLDINGS CORP CLASS A (RPAY) do?
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…
What sector is REPAY HOLDINGS CORP CLASS A (RPAY) in?
REPAY HOLDINGS CORP CLASS A (RPAY) is classified in the Financials sector. Its industry is Vertical market payment processing and fintech. It trades on NASDAQ.
Who are REPAY HOLDINGS CORP CLASS A's (RPAY) competitors?
Notable peers of REPAY HOLDINGS CORP CLASS A (RPAY) include Fiserv, Jack Henry & Associates, Euronet Worldwide, Repro Payments and Paylocity. This peer set is informational only — not financial advice.
Is REPAY HOLDINGS CORP CLASS A (RPAY) overbought or oversold right now?
REPAY HOLDINGS CORP CLASS A (RPAY) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 56, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on RPAY come from?
Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.