Quarter
Charts

REPAY HOLDINGS CORPORATION

RPAY

CIK 0001720592 · Quarterly mode · latest period FY2025 (Q4) (ending 2025-12-31) · sourced from SEC EDGAR

At a glance · FY2025 (Q4)

Revenue
$79M
↑+0.4% +$314Kvs FY2024 (Q4)
Gross Profit
$58M
↓-2.3% -$1Mvs FY2024 (Q4)

Quality Score

Quality score

6-dimension fundamental snapshot · latest annual filed values · S&P 500 calibration

Poor
18/100
  • Profitability
    0ROIC -19.9% (10% = solid, 20%+ = moat)
  • Liquidity
    16Current Ratio 0.82 (above 1.5 = solid)
  • Leverage
    71D/E 0.58 (under 0.5 = conservative)
  • Efficiency
    2Asset Turnover 0.22x (1.0+ = capital-efficient)
  • Growth
    18Revenue YoY +0.4% (10% = solid, 25%+ = elite)
  • Margin Trend
    0Op Margin -3.9% · trend -46.2pts (4Q avg vs prior 4Q)

Calibrated to S&P 500 medians. Each sub-score is computed from a single CFA-grade ratio (Profitability = ROIC, Liquidity = Current Ratio, Leverage = D/E, Efficiency = Asset Turnover, Growth = Revenue YoY, Margin Trend = 4Q operating-margin avg vs prior 4Q). Overall = simple mean.

DCF intrinsic value

DCF intrinsic value

two-stage Gordon model

Project RPAY's free cash flow forward, discount back at your hurdle rate, divide by diluted shares. Edit the assumptions to see how sensitive the intrinsic value is.

9%

Trailing 3-yr CAGR was 8.5%

10%

10% is a common all-equity benchmark for US large-caps

2.5%

Should be ≤ long-run GDP growth (~2.5% nominal)

5

5-year explicit projection + perpetuity terminal

Intrinsic value per share
$0.02
Total enterprise IV
$1.63B
Diluted shares
85.56B
Terminal PV
$1.19B (73% of total)
Year-5 FCF
$140M
YearProjected FCFDiscounted PV
+1$99M$90M
+2$108M$89M
+3$118M$88M
+4$128M$88M
+5$140M$87M
Terminal$1.91B$1.19B

DCF outputs are HIGHLY sensitive to growth + WACC assumptions. A 1pp WACC change can shift IV by 20%+. Use this as a sanity-check vs market price, not a target — and always cross-check the underlying FCF source (EDGAR cashflow statement, latest annual). Margin of safety convention: 30-50% discount to IV before buying.

Capital allocation · trailing 4 quarters

how the company spent its cash
Capex (TTM)
$355K
investment in PP&E
Stock buybacks (TTM)
—
share count reduction
Stock-based comp (TTM)
$18M
non-cash dilution

Balance sheet · 2025-12-31

latest filed snapshot
Total assets
$1.20B
everything owned
Total liabilities
$718M
everything owed
Stockholders' equity
$484M
shareholder claim
Net debt
$164M
LT debt minus cash

Recent performance · 34 quarters

Revenue↑+0.4% +$314K
$79M
Net Income↓-297.8% -$10M
$-6M
Free Cash Flow↓-31.8% -$11M
$23M
Operating Margin↓-3.0pts
-3.9%

Drill down

RPAY Sankey

See REPAY HOLDINGS CORPORATION's revenue flow into every line item of the income statement and balance sheet — every dollar accounted for, with prior-period comparison.

Open Sankey

RPAY Charts

34 quarters of historical line items — Income, Cash Flow, Balance Sheet, plus margins. Click any chart for the trend dialog.

Open Charts

RPAY Key Metrics

EPS, BVPS, FCF/Share, ROE, ROA, ROIC, D/E, Current Ratio, Quick Ratio, Asset Turnover — 10 CFA-grade fundamentals derived from EDGAR data.

Open Key Metrics