Repay Holdings Corp (RPAY) — Titan Protect Analysis

RPAY

Repay Holdings Corp

Technology · ·

$3.47

Data: 2026-06-03

✓ ETHICAL PASS

NONE MOAT

LIMITED

Data Confidence: 0.0%

Key Metrics

How this company measures up on the fundamentals that matter

Market Cap

$318M

Total market value of the company

Trailing P/E

N/A

Forward P/E

3.71

Based on estimated future earnings — lower means cheaper

Rev Growth

+4.5%

Year-over-year revenue change

Profit Margin

-82.7%

How much profit the company keeps from each dollar of revenue

ROE

-43.9%

Return on equity — how efficiently it uses shareholder money

Analyst Target

$6.00

+73% from current price — median analyst estimate

Recommendation

NONE

Consensus view from 7 analysts covering this stock

About Repay Holdings Corp

Repay Holdings Corporation, a payments technology company, provides integrated payment processing solutions that enables consumers and businesses to make payments using electronic payment methods in the United States. It operates through two segments: Consumer Payments and Business Payments. The company offers payment acceptance solutions, such as debit and credit card processing, automated clearing house (ACH) processing, e-cash, and digital wallet services; virtual credit card processing, enha

https://repay.com

Country: United States Employees: 486 Industry: Software - Infrastructure

Ethical Screening

Five compliance checks based on AAOIFI standards — all must pass for ethical clearance

Business Activity

PASS

Core business does not involve prohibited activities

Debt Ratio

0.0% PENDING

Debt must be below 33% of total assets

Cash Ratio

0.0% PENDING

Interest-bearing cash below 33% of assets

Receivables

0.0% PENDING

Receivables below 49% of assets

Revenue Purity

0.0% PENDING

Non-compliant revenue below 5% — any excess requires purification

Quantitative Intelligence

Statistical analysis of price behaviour, risk, and market regime — independent of fundamental data

Regime

MARKUP

Price trending up with increasing momentum

Sharpe Ratio

-0.548

Returns do not compensate for the risk — negative edge

Kelly Fraction

-0.0703

No positive edge detected — the data suggests staying out

Calmar Ratio

-0.500

Drawdown risk outweighs the returns — higher risk profile

Annual Return

-39.1%

Historical annualised return based on price data

Max Drawdown

-78.2%

Largest peak-to-trough decline — the worst it has been

HMM State

BULL

Statistical model sees bullish momentum

Days in State

How long the current regime has persisted — longer means more stable

Market Data

Trading characteristics and market positioning

Beta

1.87

Significantly more volatile than the market

52W High

$6.06

43% below the year high

52W Low

$2.30

51% above the year low

Avg Volume

1,626,663

Average daily shares traded — higher means easier to buy and sell

Short Ratio

2.1

Days it would take all short sellers to cover — higher means more crowded

Short % Float

N/A

Div Yield

N/A

Annual dividend as a percentage of the share price

EPS (TTM)

$-3.03

Earnings per share over the last 12 months

Financial Health

Balance sheet strength and cash generation — the foundation of long-term value

Debt/Equity

84.22

Heavy leverage — higher financial risk if revenues decline

Current Ratio

N/A

Quick Ratio

N/A

Like current ratio but excludes inventory — stricter test

Gross Margin

75.1%

Revenue left after cost of goods — higher means pricing power

Operating Margin

0.0%

Profit from core operations before interest and tax

Free Cash Flow

$46M

Positive — the business generates more cash than it spends

Revenue (TTM)

$313M

Total revenue over the last 12 months

Net Income

$-258,716,992

Loss-making — spending exceeds revenue after all costs

Analyst Coverage

Analysts

Target High

$10.00

Target Median

$6.00

Target Low

$3.50

Explore the Ethical Screener View Track Record

Data sourced from public filings and market feeds. Not financial advice. Updated: 2026-06-03

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