Repay Holdings Corporation (Class A) (RPAY) carries a Roarable Rating of D+ (Sell) with 52/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.
As of 2026-11-03, Repay Holdings Corporation (Class A) (NASDAQ: RPAY) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 52/100 at a spot price of $4.70 (+2.62% 1D, market cap $411.6M). Pillar breakdown: Fundamental Cash Engine 8/20, Institutional 13F & Options Flow 15/20, SEC Balance-Sheet Forensics 8/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 9/20. Across 1009 tracked Consumer Discretionary issuers, RPAY ranks #510 in composite RQD confidence.
Within the Consumer Discretionary sector (Business Services), RPAY carries a Roarable D+ (52/100 RQD), trailing P/E of N/A, gross margin of 75.0%, and ROIC of -31.0%. By comparison, CTEV (Claritev Corporation (Class A)) holds a E grade (23/100 RQD, P/E N/A, ROIC 85.0%, cap $406.7M) and ADV (Advantage Solutions Inc. (Class A)) posts a E grade (33/100 RQD, P/E N/A, ROIC -5.1%, cap $387.6M). Among the 5-stock peer group, RMNI leads on earnings multiple (10.0x) while CTEV leads on capital efficiency (85.0% ROIC).
Per RPAY's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001720592), Repay Holdings Corporation (Class A) generated $309.3M in revenue (-1.2% YoY), -$256.7M in net income, and $90.8M in free cash flow against $1.20B in total assets and $280.1M in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
20D Institutional Volume Accumulation (±8.6% realized swing band)
FRED Regime × Technicals: 99% of 52W Range • RSI-14 at 65.5 (BULLISH MOMENTUM)
Balance-sheet & 10-K footnote risk deducts 12 pts from forensic ceiling
While RPAY currently carries a cautious 52/100 (D+) rating due to SEC 10-K Forensic Risk (8/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.
Big institutional funds and options desks are actively positioning on the bullish side.
Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($3.93) and Max Pain ($4.94) forces dealer call-delta covering toward $5.39.
Forensic Repair Trigger: Halting share dilution (Disciplined Float (-0.40% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.
Repay Holdings Corporation (Class A) (RPAY) surged +2.62% to $4.70, trading at 99% of its 52-week range ($2.3 – $4.7). Stretched risk/reward at current multiples (-31% return on capital) under elevated 10-year interest-rate pressure.
ATLANTA, October 26, 2026--Repay Holdings Corporation (NASDAQ: RPAY) ("REPAY" or the "Company"), a leading provider of bill payment solutions, today announced that the Company will host a conference call to discuss third
ATLANTA, October 13, 2026--Repay Holdings Corporation (NASDAQ: RPAY) ("REPAY"), a leading provider of bill payment solutions, today announced its partnership with Emburse, a global leader in travel and expense management
Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and
Yahoo Finance coverage on RPAY stock catalysts, institutional flow, and earnings outlook.
Here is how Repay Holdings (RPAY) and Sezzle Inc. (SEZL) have performed compared to their sector so far this year.
ATLANTA, September 23, 2026--REPAY announced that it will host an Investor Day on December 7, 2026, in New York City.
ATLANTA, August 26, 2026--REPAY’s Payables Platform is embedded within the NxtEdge platform, enabling end-to-end AP automation for food, beverage, and hospitality businesses.
Repay Holdings (RPAY) shares have started gaining and might continue moving higher in the near term, as indicated by solid earnings estimate revisions.
KUBRA acquisition doubled pro forma revenue; management targets deleveraging below 3.0x in 18 months.
Yahoo Finance coverage on RPAY stock catalysts, institutional flow, and earnings outlook.
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. -1.2% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on RPAY today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for RPAY. Explore sector supply chains on /butterfly.
Across 1009 tracked Consumer Discretionary securities in the Roarable RQD universe, Repay Holdings Corporation (Class A) (RPAY) ranks #510 by composite RQD confidence (52/100, grade D+) and #606 by equity capitalization ($411.6M). Within this direct 5-issuer industry benchmark cohort, RMNI leads on earnings valuation at 10.0x trailing P/E, while CTEV leads on capital efficiency and profitability with 85.0% ROIC and — gross margin. RMNI currently holds the highest overall quantitative score in the immediate peer group at 69/100 (C+) compared with RPAY at 52/100 (D+).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| RPAY
ACTIVE
Repay Holdings Corporation (Class A) | D+ | 52/100 | — | 75.0% | -31.0% | +2.62% | $411.6M | Benchmark Subject |
| CTEV Claritev Corporation (Class A) | E | 23/100 | — | — | 85.0% | -4.50% | $406.7M | /ctev-vs-rpay → |
| ADV Advantage Solutions Inc. (Class A) | E | 33/100 | — | — | -5.1% | +5.99% | $387.6M | /adv-vs-rpay → |
| RMNI Rimini Street Inc. | C+ | 69/100 | 10.0x | 60.4% | 85.0% | -1.61% | $459.8M | /rmni-vs-rpay → |
| FVRR Fiverr International Ltd. no par value | D- | 43/100 | 15.5x | 81.6% | -0.3% | +3.10% | $301.6M | /fvrr-vs-rpay → |
In its most recent audited fiscal period (FY2025, filed 2025-12-31), Repay Holdings Corporation (Class A) (RPAY) reported GAAP revenue of $309.3M (-1.2% vs. FY2024 revenue of $313.0M , and +4.3% cumulative change since FY2023) , GAAP net income of -$256.7M, operating cash flow of $91.1M, and free cash flow of $90.8M (-39.1% YoY). On the balance sheet, RPAY closed FY2025 with $1.20B in total assets against $280.1M in total debt (Altman Z-Score: 0.20, Piotroski F-Score: 5/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $309.3M | -$256.7M | $91.1M | $90.8M | $1.20B | $280.1M |
| FY2024 (FY) | 2024-12-31 | $313.0M | -$10.2M | $150.1M | $149.1M | $1.57B | $496.8M |
| FY2023 (FY) | 2023-12-31 | $296.6M | -$110.5M | $103.6M | $103.6M | — | — |
As of 2026-11-03, Repay Holdings Corporation (Class A) (NASDAQ: RPAY) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 52/100 at a spot price of $4.70 (+2.62% 1D, market cap $411.6M). Pillar breakdown: Fundamental Cash Engine 8/20, Institutional 13F & Options Flow 15/20, SEC Balance-Sheet Forensics 8/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 9/20. Across 1009 tracked Consumer Discretionary issuers, RPAY ranks #510 in composite RQD confidence.
Within the Consumer Discretionary sector (Business Services), RPAY carries a Roarable D+ (52/100 RQD), trailing P/E of N/A, gross margin of 75.0%, and ROIC of -31.0%. By comparison, CTEV (Claritev Corporation (Class A)) holds a E grade (23/100 RQD, P/E N/A, ROIC 85.0%, cap $406.7M) and ADV (Advantage Solutions Inc. (Class A)) posts a E grade (33/100 RQD, P/E N/A, ROIC -5.1%, cap $387.6M). Among the 5-stock peer group, RMNI leads on earnings multiple (10.0x) while CTEV leads on capital efficiency (85.0% ROIC).
Per RPAY's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001720592), Repay Holdings Corporation (Class A) generated $309.3M in revenue (-1.2% YoY), -$256.7M in net income, and $90.8M in free cash flow against $1.20B in total assets and $280.1M in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately. Institutional options positioning shows a 50% call / 50% put premium split.
RPAY last traded at $4.70 (+2.62% on volume of 536,620 shares), positioning the stock +19.59% above its 50-day simple moving average ($3.93) and +31.28% above its 200-day simple moving average ($3.58). Across its 52-week range of $2.30 to $4.60, RPAY sits at the 100.0% percentile with a 14-day RSI of 65.5 (BULLISH MOMENTUM) and an implied next-earnings move of ±8.6% ($4.30 to $5.10).
Repay Holdings Corporation (Class A) (RPAY) earns a live Roarable RQD composite score of 52/100, corresponding to a D+ letter grade (Roarable Sell) at a spot price of $4.70 (+2.62% 1D, market capitalization $411.6M).
Repay Holdings Corporation (Class A) is listed on NASDAQ under RPAY and is classified by the source data as Consumer Discretionary, within the Business Services industry. The company has a market capitalization of $0.4B.
In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Repay Holdings Corporation (Class A) (RPAY) reported $309.3M in annual revenue (up from $313.0M in FY2024, -1.2% YoY) and -$256.7M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($296.6M revenue, -$110.5M net income) through FY2025, RPAY scaled operating cash flow to $91.1M and free cash flow to $90.8M, backed by $1.20B in total assets against $280.1M in total debt.
The sector is Consumer Discretionary and the industry is Business Services. No upstream or downstream dependencies, sector correlations, or second-order bottlenecks are identified in the source data.
Real-time company headlines, analyst actions, and sector developments for Repay Holdings Corporation (Class A) (RPAY) • Click "Debate This Headline" to argue it in the Roar Pit below
ATLANTA, October 26, 2026--Repay Holdings Corporation (NASDAQ: RPAY) ("REPAY" or the "Company"), a leading provider of bill payment solutions, today announced that the Company will host a conference call to discuss third
ATLANTA, October 13, 2026--Repay Holdings Corporation (NASDAQ: RPAY) ("REPAY"), a leading provider of bill payment solutions, today announced its partnership with Emburse, a global leader in travel and expense management
Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and
Yahoo Finance coverage on RPAY stock catalysts, institutional flow, and earnings outlook.
Here is how Repay Holdings (RPAY) and Sezzle Inc. (SEZL) have performed compared to their sector so far this year.
ATLANTA, September 23, 2026--REPAY announced that it will host an Investor Day on December 7, 2026, in New York City.
ATLANTA, August 26, 2026--REPAY’s Payables Platform is embedded within the NxtEdge platform, enabling end-to-end AP automation for food, beverage, and hospitality businesses.
Repay Holdings (RPAY) shares have started gaining and might continue moving higher in the near term, as indicated by solid earnings estimate revisions.
Don't sleep on RPAY's setup in Consumer Discretionary. The 22.87% FCF yield and 75% gross margin signal the business generates substantial cash relative to its market value despite large reported losses.. Beta of 1.0 means it moves fast when momentum turns, and the 5-pillar RQD gauge (52/100) backs up the fundamental quality.
@BearTrap_Alert Shorting a 15/20 institutional whale-flow stock at $4.58 is dangerous when funds are rotating into Consumer Discretionary.
I respect the product at Repay Holdings Corporation (Class A), but the stock at $4.58 is a different story. A -31% ROIC, -60% operating margin, and an Altman Z-Score of 0.2 indicate weak returns on capital and elevated financial distress risk.. FCF yield is 22.87% and RQD sits at 52/100 (D+) — why pay up here when you can wait for next quarter's numbers?
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