Repay (NASDAQ:RPAY) Posts Earnings Results

Repay (NASDAQ:RPAY) announced its earnings results on Monday. The company reported $0.25 earnings per share (EPS) for the quarter, beating the consensus estimate of $0.24 by $0.01, FiscalAI reports. Repay had a negative net margin of 49.57% and a positive return on equity of 11.03%. The firm had revenue of $153.40 million for the quarter, compared to analysts’ expectations of $151.97 million.

Here are the key takeaways from Repay’s conference call:

• Business payments and political media were major growth drivers. Business payments revenue rose 99% year over year, or 40% excluding political media; Repay raised its 2026 political media revenue forecast to $16 million–$18 million after reaching the high end of its prior range early.
• KUBRA is growing and integration synergies are ahead of plan. KUBRA revenue increased about 8% on a pro forma basis, and Repay raised its expected annualized cost-synergy run rate exiting 2026 from $8 million to $11 million.
• Core consumer payments underperformed. Organic revenue grew just 0.3%, as new and prior-year sales converted more slowly than expected; Repay expects low-single-digit growth in the fourth quarter and is targeting a return to growth in 2027.
• Underlying growth and cash-flow expectations were trimmed. Repay lowered its 2026 normalized organic growth outlook to 5%–6% from 7%–9% and reduced its free-cash-flow target, citing a bank-channel investment and working-capital timing.
• Full-year revenue and Adjusted EBITDA guidance was reiterated. Repay still expects $490 million–$500 million in revenue and $168.5 million–$176 million in Adjusted EBITDA; pro forma synergized net leverage was about 3.8 times, with a target of below 3 times by year-end 2027.

Repay Stock Down 15.5%

RPAY traded down $0.69 on Tuesday, hitting $3.79. 315,821 shares of the company were exchanged, compared to its average volume of 924,655. The firm has a 50-day moving average price of $4.00 and a two-hundred day moving average price of $3.60. The company has a current ratio of 1.45, a quick ratio of 1.43 and a debt-to-equity ratio of 1.60. The company has a market cap of $361.09 million, a price-to-earnings ratio of -1.86 and a beta of 1.92. Repay has a twelve month low of $2.30 and a twelve month high of $4.80.

Wall Street Analysts Forecast Growth

Several research analysts have commented on RPAY shares. Canaccord Genuity Group reduced their price objective on Repay from $8.00 to $7.00 and set a “buy” rating on the stock in a report on Tuesday. Weiss Ratings raised Repay from a “sell (e+)” rating to a “sell (d-)” rating in a research report on Thursday, August 20th. Finally, DA Davidson reiterated a “buy” rating and set a $6.00 price target on shares of Repay in a research note on Wednesday, July 15th. Three analysts have rated the stock with a Buy rating, three have given a Hold rating and one has assigned a Sell rating to the company’s stock. According to MarketBeat.com, Repay has an average rating of “Hold” and an average target price of $5.08.

Insider Buying and Selling

In other Repay news, General Counsel Tyler Dempsey sold 25,000 shares of the firm’s stock in a transaction on Wednesday, November 4th. The stock was sold at an average price of $4.75, for a total value of $118,750.00. Following the sale, the general counsel directly owned 416,251 shares in the company, valued at $1,977,192.25. This trade represents a 5.67% decrease in their ownership of the stock. The transaction was disclosed in a filing with the Securities & Exchange Commission, which is available at this hyperlink. In the last ninety days, insiders have sold 75,000 shares of company stock worth $316,530. Insiders own 12.00% of the company’s stock.

Repay News Roundup

Here are the key news stories impacting Repay this week:

• Positive Sentiment: Repay forecast FY 2026 revenue of $490 million to $500 million, a range that includes the $491.2 million consensus; the midpoint is slightly above expectations. Repay third-quarter results
• Neutral Sentiment: Canaccord Genuity cut its RPAY price target from $8 to $7 but maintained a Buy rating. The revised target still implies substantial upside from the cited $4.49 share price, though the reduction tempers the positive signal. Canaccord rating update
• Neutral Sentiment: Third-quarter revenue grew sharply year over year to $153.4 million. EPS of $0.25 beat the $0.24 estimate cited by MarketBeat, but missed Zacks’ $0.29 consensus; revenue also topped one estimate ($151.97 million) but was below another ($155 million). Zacks earnings report
• Negative Sentiment: Profitability remains a concern: Repay reported a third-quarter net loss, and operating cash flow was $9.9 million. These results may limit the positive impact of revenue growth and roughly in-line guidance. Repay third-quarter results

Repay Company Profile

Repay Holdings Corporation, operating under the REPAY brand, is a payments technology company that provides integrated payment processing and accounts receivable solutions to businesses and organizations in specialized industries. Its platform is designed to help clients accept, manage and reconcile electronic payments through a range of digital and automated tools.

REPAY’s services include credit and debit card processing, ACH payments, electronic funds transfers, recurring payments, online and mobile payment acceptance, payment disbursements, invoicing and accounts receivable management.