Repay Holdings Corporation Class A Common Stock (RPAY)

FairStock Score: 42/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I approach Repay as a Graham-style bargain candidate, not a wonderful business. It processes electronic payments through Consumer Payments and Business Payments, which can carry switching costs, but the numbers show a small, leveraged operator with 486 employees and no clear durable moat. In fiscal Q2 2026, the quarter ended 2026-06-30, revenue was $100.7M and net income was -$11.0M, or diluted EPS -$0.13. That was better than fiscal Q2 2025, the quarter ended 2025-06-30, when net income was -$102.3M on $75.6M of revenue. Fiscal Q1 2026, ended 2026-03-31, lost $9.9M. The latest full year, FY2025 ended 2025-12-31, was ugly: revenue $309.3M and net income -$256.7M, EPS -$3.00. FY2024, ended 2024-12-31, had revenue $313.0M and net income -$10.2M, so revenue actually slipped, and FairStock's revenue growth of 4.49% masks weak profitability. At the 2026-10-13 close of $3.95, FairStock calculates market cap $344.1M, P/B 0.69 and P/E -1.97. That is cheap on assets, and trailing free cash flow was $44.8M, a 13.0% FCF yield. But financial health is poor: D/E 1.65, ROE -31.83%, ROCE -0.44%, Piotroski F-Score 3/9, and Altman Z-Score -0.25. The Lynch category is TURNAROUND because the latest year showed a loss after earlier profits. I would need evidence that the losses are shrinking without hidden cash drains. Until then, the asset discount is not enough; a bargain that keeps destroying capital is no bargain.

In plain English: Repay is a payments technology company that helps consumers and businesses pay electronically. The business looks weak right now: it lost money in fiscal 2025 and still lost money in the first two quarters of fiscal 2026, although revenue in fiscal Q2 2026 was higher than a year earlier. At $3.95, the price may look low compared with the company's accounting value and cash flow, but the losses make it hard to call cheap with confidence.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer