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← CockpitCompetitor Analysis › RPAY Repay Holdings Corp. Class AOpen in the cockpit ↗

Repay Holdings Corp. Class ARPAYCompetitor analysis, valuation and peers

United States · USD·Financials›Miscellaneous Commercial Services
Momentum leader 87
Mkt cap
$388M
US dollars, full cap
Free float
77%
of shares outstanding
$/day
$1.84M
20-day average traded
P/B
0.77×
price to book
ROE
-30.3%
delivered
Implied ROE
11.9%
what the price asks
Next earnings
3 days
9 Nov 2026
Close · USD$4.40
1D-3.5%
1W-3.9%
1M+13.7%
3M+14.9%
6M+24.3%
YTD+20.6%
1Y+4.0%
ATR %4.8%
Beta1.20
52w lowhigh8.4% off high

What Repay does

Employees: 486

Repay at a glance

Size Repay (RPAY) is a United States Financials company (Miscellaneous Commercial Services) with a market value of $388M, the 2884th largest of 3,117 United States companies the cockpit tracks. Shares closed at $4.40 on 6 Nov 2026.

Performance Over six months the shares gained 24.3%, against -8.8% for the median peer and -1.1% for the United States market (cap-weighted) — 3rd highest of 8 in its peer set.

Growth Revenue grew 8.8% over the last twelve months (peer median +12.3%); the operating margin is 0.3% (peer median 17.0%).

Valuation It trades at 0.77× book value against a peer median of 0.68× (3rd most expensive of 7).

Price implies The share price implies a return on equity of about 11.9%; Repay delivers -30.3%, so the price asks more than the business earns today.

Next results Next results expected around 9 Nov 2026 (exchange calendar; dates can move).

Relative performance

10012014011 May 202611 Aug 20266 Nov 2026RPAY 131Peer median 92
Six months, rebased to 100: Repay against the median of its 7 peers (local-currency closes).

Repay financials

Reported figures in USD; fiscal year ends 2025-12-31. TTM = trailing twelve months.
TTMFY2025FY2024FY2023FY2022
Revenue$338M$309M$313M$297M$279M
Revenue growth—-1%+6%+6%—
Gross profit$144M$130M$138M$123M$107M
EBITDA$105M$102M$111M$102M$103M
Net income-$167M-$257M-$10.2M-$110M$12.8M
Free cash flow$110M$90.8M$149M$103M$71.0M
Capital expenditure$67.8M$42.0M$44.9M$64.4M$39.5M
Total debt$773M$437M$509M$443M$462M

Quarterly statements and history in the cockpit →

Repay competitor charts

The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.

Performance: 6-month against 1-month return

-50%0%+50%+100%+150%0%+100%ACTGPSFEPRAACASSPAYSPICSKPLTRPAY6-month return →1-month return →
Up and to the right = strong over both horizons. Repay is the large dot.

Fundamentals: return on equity against price-to-book

-20%0%20%00×50×100×ACTGPSFEPRAACASSPAYSPICSRPAYReturn on equity →Price / book →
A bank or insurer earning more on its equity usually trades at a higher multiple of book; points far above the trend are priced for more. Repay is the large dot.

Capital: ROE delivered against the ROE the price implies

0%50%0%50%ACTGPSFEPRAACASSPAYSPICSRPAYROE delivered →ROE the price implies →
Above the diagonal = the price asks for a higher return on equity than the business earns today. Repay is the large dot.

Repay competitors and peer comparison

How Repay compares with its peers

Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.

Repay against its 7 peers (data as of 6 Nov 2026)
MeasureRPAYPeer medianRank in peer set
1-month return+13.7%-1.8%3rd highest of 8
6-month return+24.3%-8.8%3rd highest of 8
Return on equity-30.3%6.7%lowest of 7
Price / book0.77×0.68×3rd most expensive of 7
ROE the price implies11.9%10.9%4th least demanding of 7
ROE delivered-30.3%6.7%2nd lowest of 7

Peer table

Peer set: Industry: the same industry and sector in any market, nearest in size
CompanyMarketMarket cap6M returnRevenue growthROEPrice / bookImplied ROEDelivered ROE
Repay RPAYUnited States$388M+24%+9%-30%0.77×11.9%-30.3%
Acacia Research ACTGUnited States$415M-9%+12%-3%0.62×6.0%-2.8%
Paysafe PSFEUnited States$349M-28%+5%-30%0.60×9.5%-30.3%
PRA PRAAUnited States$486M-33%+12%-22%0.47×6.6%-22.3%
Cass Information Systems CASSUnited States$694M+14%+2%16%3.06×15.3%16.2%
Paysign PAYSUnited States$829M+155%+47%31%13.78×92.0%30.8%
PicS PICSUnited States$889M-44%+89%31%0.73×12.3%30.5%
Katapult KPLTUnited States$939M+64%+13%n/an/an/an/a

Questions

Which companies are Repay's closest peers?
The cockpit's peer set: Acacia Research (ACTG), Paysafe (PSFE), PRA (PRAA), Cass Information Systems (CASS), Paysign (PAYS), PicS (PICS), Katapult (KPLT).
Is Repay expensive compared with its peers?
On price / book it trades at 0.77× against a peer median of 0.68×, 3rd most expensive of 7 in its peer set. The share price implies a return on equity of about 11.9%; Repay delivers -30.3%, so the price asks more than the business earns today.
How has Repay stock performed?
Over six months to 6 Nov 2026 the shares returned +24.3% against -8.8% for the median peer; over one year +4.0%.

How these numbers are made. Returns are close-to-close in local currency. Revenue growth and margins are trailing twelve months. Req g is the revenue growth that today's enterprise value requires for seven years at the company's own cost of capital; Delivered g is what it actually grew; the gap is the hurdle (honest precision about ±8 points, so read the ranking more than the decimal). No fair values, price targets or analyst ratings are shown, by design. Method and validation.