Reading RPAY? Track it free: the weekly brief, plus an alert if the thesis breaks. No credit card.
Track RPAY free→Reading RPAY? Track it free: the weekly brief, plus an alert if the thesis breaks. No credit card.
Track RPAY free→NASDAQInformation TechnologySoftware - InfrastructureSnapshot 2026-06-16
Recent financial performance sits below its industry cohort — worth keeping an eye on, though it has not freshly broken.
Recent financial performance is neutral. Earnings quality is not assessable since the company was unprofitable over the past year. Management's recent track record has been unsteady, with frequent changes. Risk is high, and the sector backdrop is a tailwind. Peer multiples imply a price about 86% above where it trades (it looks cheap on this basis); the read is cheap, value-trap risk. This pattern happens because it trades below peer multiples, but recent financials are weak. The read is provisional.
Daily closes. Earnings/event dots are placed inline.
A consensus fair price across 2 valuation methods, at three horizons. Current price $3.28. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
No-growth: today's peer multiple on trailing earnings. The headline read.
Embeds projected growth. Leans optimistic by design. Upside context.
We take the 12-month fair value above and grade our own number — how the market prices this name versus what we'd justify, and where the two diverge.
At $3.28 RPAY trades at 4× p/e, below its 27× p/e peer median. Our $23 fair value sits above the price; low confidence. Analysts: $3.50–$9.00. Not investment advice.
One valuation read at a 12-month horizon, plus how price compares to peers and the company's own history.
The price implies about 86% below a flat-multiple fair value, below our forecast of about 2%. This describes what's priced in, not a forecast of the move.
No fragility gates fired. Regime (Mania) does not concentrate fragility.
For similar setups historically (n=20,154): about 33% saw a 20%+ drawdown, and roughly 76% of those did not recover within the year. These are historical base rates for the cohort, not a forecast of this stock.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 2 of the last 3 quarter-over-quarter moves. Historically, Information Technology names rated neutral grew net income 54% of the time over the next year (vs 68% for the rest of the cohort, n=3704).
Over the trailing year it converted -0.41x of net income into operating cash flow.
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, real (inflation-adjusted) rates, Fed net liquidity, long-term interest rates.
19 material management or governance events in the past 24 months, led by capital-allocation actions. Historically, Information Technology names rated volatile grew net income 58% of the time over the next year (vs 61% for the rest of the cohort, n=793).
The next print and the backdrop around it (sector regime and the AI cycle). Context for the path, not a forecast of returns.
EPS estimate $0.21 → $0.23 (+8.5% / 30d). 1 raised, 1 cut, 3 covering analysts.
0 upgrades, 0 downgrades / 30d, 2 maintained. 57% of analysts rate Buy.
2 PT revisions / 30d. Avg target 42.8% above current price.
1 positive, 3 negative / 30d. See F4 management tile for the event list.
Transition story with positive analyst positioning (often a turnaround setup).
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
A guidance track record builds as the company issues and delivers on guidance.
What a normal day, a bad day, and the worst of the last year would mean for a $10,000 position.
On a typical day, $10k can swing ±$292.
How much price usually moves either way.
On a bad day, this stock has moved -$672.
A rough but not unusual down day (about the 95th percentile).
In the worst 12 months, $10k could have lost $5,973.
Deepest peak-to-trough drop in the last year.
Past results, not a forecast. Not investment advice.
The most important moves since the prior daily snapshot.
No material changes since the prior snapshot.
as of 2026-06-16
Specific, dated things to watch for, each with what would confirm it and what would prove it wrong.
Why it matters: Earnings results will show if the company is improving its financial health. Investors look for growth.
Confirms one read:Earnings report shows a revenue increase year over year.
Confirms the other:Earnings report shows a revenue decline year over year.
Recent news graded against this company's own objectives — whether it reinforces or challenges the thesis, and how confirmed it is.
Price target increase supports revenue growth outlook.
Conditional scenarios: if X happens, the view would shift in this direction. These are not predictions.
Recent SEC 8-K filings ranked by likely impact, confidence, and recency.
Entry into a Material Definitive Agreement. On June 12, 2026, Hawk Parent Holdings LLC (the “Borrower”), a subsidiary of Repay Holdings Corporation (the “Company”), entered into the First Amendment to Credit Agreement (the “Amendment”) to the Credit Agreement, dated as of June 1, 2026 (the “Credit Agreement”), among the Borrower, the Company, the guarantors party thereto, the lenders party thereto and Truist Bank, as administrative agent. The Amendment was entered into in connection with the…
Whether the overall read has been drifting up or down lately, and how it's changed since last week.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Long-thesis check; widest uncertainty.
$3.50 – $9.00 (median $4.00) · 6 analysts · as of 2026-06-03
Looks cheaper than most peers in the same business.
Self-history needs ~20 months of data.
Trailing four: 2025-Q1, 2025-Q2, 2025-Q3, 2026-Q1
A side-by-side read on sector standing, valuation, and risk versus Systems Software.
| Stock | Sector standing | Valuation | Risk |
|---|---|---|---|
RPAY Repay Holdings Corp. | Above typical Show detailsSector percentile: 86 of 100 | inexpensive | high |
MSFT Microsoft | Above typical Show detailsSector percentile: 84 of 100 | expensive | moderate |
PANW Palo Alto Networks | Below typical Show detailsSector percentile: 25 of 100 | expensive | moderate |
CRWD CrowdStrike | Typical Show detailsSector percentile: 33 of 100 | expensive | moderate |
FTNT Fortinet | Above typical Show detailsSector percentile: 91 of 100 | expensive | moderate |
Not investment advice. As of 2026-06-16.
via XLK
Tailwind = sector leading the S&P 500; headwind = trailing. Both can be constructive. Historically, headwind regimes have averaged stronger forward returns than tailwind.
Context label only: describes the market state (e.g. real bear vs narrative panic, healthy uptrend vs late-stage froth). It is not a per-ticker buy/sell signal and does not predict factor performance.
Not investment advice. As of 2026-06-16.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Repay Holdings has raised its full-year 2026 revenue outlook to incorporate KUBRA's expected contributions.
Repay Holdings aims to achieve approximately 42% Adjusted EBITDA margins for the full year 2026.
Repay Holdings aims for a 25% Free Cash Flow accretion by 2028, indicating a long-term financial goal.
Why it matters: Executive changes can impact company strategy and investor confidence. A stable team is key for growth.
Confirms one read:A new executive has been hired. They have a strong background in payments or technology.
Confirms the other:More key executives are leaving. There are no clear replacements or strategy.
Price target increase linked to Kubra acquisition's potential.
Advances: Raise 2026 revenue outlook to $490M-$500M
Acquisition of Kubra directly supports revenue growth objectives.
Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers. On June 10, 2026, Repay Holdings Corporation (the “Company”) held its annual meeting of the stockholders (the “Annual Meeting”). At the Annual Meeting, the Company’s stockholders approved the Repay Holdings Corporation Third Amended and Restated Omnibus Incentive Plan (the “Third Amended and Restated Plan”). The Third Amended and Restated Plan had…
Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant. The information set forth in
On June 1, 2026, the Company completed the previously announced acquisition (the “Acquisition”) of KUBRA Holdings, Inc., a Delaware corporation (“Kubra US”), and KUBRA Data Transfer Ltd., an Ontario corporation (“Kubra Canada” and together with Kubra US, “KUBRA”), pursuant to the Stock Purchase Agreement, dated as of March 30, 2026 (as amended or supplemented from time to time, the “Purchase Agreement”), by and among the Company, Hearst KUBRA Holdings, Inc., a Delaware corporation (“Seller”),…
Entry into a Material Definitive Agreement. On June 1, 2026 (the “Closing Date”), Repay Holdings Corporation (the “Company” or “REPAY”), its wholly owned subsidiary, Hawk Parent Holdings LLC, a Delaware limited liability company (the “Borrower”) and certain subsidiaries of the Company party thereto, as guarantors, entered into a Credit Agreement (the “Credit Agreement”) with certain financial institutions party thereto, as lenders, and Truist Bank, as administrative agent. The Credit Agreemen…