profit from every $100 of sales.
$0$100
Repay
$4.18+1.95% today
+19.4% in 1 year
1-year low $2.401-year high $4.75
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
It has no yearly profit to compare the price with.
CheapExpensive
of earnings would pay off all its debt.
No debt5 years
Money in, money out
What Repay sold, what it kept, and what it did with the cash.
Sales went from $279 million in 2022 to $309 million in 2025, with -$257 million of profit last year.
SalesProfit
Repay handed back 78% of the cash it generated last year.
Buybacks $39M
Free cash flow 2025$49M
Bought back its own shares$39M
Paid as dividends$0
Cash vs. debt$116M vs. $437M
Repay vs. similar companies
How it compares with the largest companies in its industry.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Repay | No profit yet | ||
 Microsoft | 29.1× · Fair price | ||
 Palantir Technologies | 249.1× · Very expensive | ||
 Oracle | 22.9× · Fair price | ||
 Palo Alto Networks | 232.6× · Very expensive |
AI analysis
An AI analyst reads Repay's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 279 | 297 | 313 | 309 | |
| 214 | 227 | 241 | 232 | |
| -42 | -26 | -8 | -12 | |
| 127 | -12 | 101 | -161 | |
| 13 | -110 | -10 | -257 | |
| 0.12 | -1.23 | -0.11 | -3.00 | |
| 76.8% | 76.5% | 77.1% | 75.0% | |
| -15.2% | -8.6% | -2.5% | -3.9% | |
| 4.6% | -37.2% | -3.2% | -83.0% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 1,627 | 1,520 | 1,572 | 1,200 |
| Cash | 65 | 118 | 190 | 116 |
| Total debt | 462 | 443 | 509 | 437 |
| Total liabilities | 699 | 689 | 799 | 718 |
| 895 | 815 | 761 | 484 | |
| 111 | 90 | 90 | 86 | |
| 1.1% | -7.3% | -0.2% | -22.6% | |
| 1.4% | -13.6% | -1.3% | -53.0% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 74 | 104 | 150 | 91 | |
| 40 | 64 | 45 | 42 | |
| 35 | 39 | 105 | 49 | |
| Dividends paid | 1 | 4 | 2 | 0 |
| 10 | 3 | 42 | 39 | |
| 20 | 22 | 24 | 18 |
Valuation
- –
- 4.6×
- –
- 0.6×
- 1.2×
- 7.5×
- –
- 13.3%
- -69.6%
- 0.0%
Profitability
- 75.0%
- -3.9%
- -83.0%
- -51.0%
- -10.4%
- -8.1%
- -46.8%
- -22.7%
- -10.5%
- –
Growth
- +3.5%
- –
- −13.4%
- –
- +0.7%
Financial health
- –
- 0.02
- 0.8%
- -7.6×
- 1.79
- 1.79
- 0.27
How it ranks in Technology
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 8%of 973
Bottom 16%of 979
Bottom 34%of 979
Top 5%of 981
What analysts expect
- Average price target
- $6.83
- Range
- $3.50 – $9.00
- 2 analysts
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| May 4, 2026 | 0.22 | 0.22 | +0.0% |
| Mar 9, 2026 | 0.19 | 0.22 | −13.6% |
| Nov 10, 2025 | 0.21 | 0.21 | −1.3% |
| Aug 11, 2025 | 0.20 | 0.20 | +0.0% |
| May 12, 2025 | 0.22 | 0.23 | −4.3% |
| Mar 3, 2025 | 0.24 | 0.24 | +0.0% |
| Nov 12, 2024 | 0.23 | 0.23 | +0.0% |
| Aug 8, 2024 | 0.22 | 0.20 | +10.0% |
News
Two months after my father’s funeral, my stepmother asked me to repay his $40,000 wedding gift. Should I do what she says?MarketWatch · Nov 8, 2026Essential Properties prices $450M notes, plans to repay $420M in credit borrowingsSeeking Alpha · Oct 28, 2026The government can take 15% of Social Security benefits to repay student loans. These proposals seek to stop it.MarketWatch · Oct 4, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
1/7Passes 1 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
40No pass
Benjamin Graham
64Pass
Philip Fisher
33No pass
Peter Lynch
36No pass
Joel Greenblatt
2No pass
Charlie Munger
34No pass
Terry Smith
27No pass
Questions about Repay
Is Repay a good stock to buy?
A business with weak numbers that is not profitable yet. 1 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Repay AI analysis
What does Repay do?
Repay Holdings Corporation provides integrated payment processing solutions to industry-oriented markets. The company's payment processing solutions enable consumers and businesses to make payments using electronic payment methods. It is in Software - Infrastructure.
Does Repay pay a dividend?
No. Repay does not pay a dividend at the moment; in 2025 it returned $38.5 million to shareholders by buying back its own shares.
Is Repay stock halal?
No. Repay does not pass our halal screen: its debt is 119% of its market value, at or above the 33% limit. How we check
How has Repay stock done over the past year?
Up 19.4% over the past twelve months, to $4.18. It traded between $2.40 and $4.75 and is 12.0% below its high.
Who are Repay's competitors?
The largest listed companies in the same industry are Microsoft, Palantir Technologies, Oracle and Palo Alto Networks. The peers table on this page compares their profit, growth and price with Repay's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.