Repay Holdings Corp(RPAY)Stock Analysis
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Rank #2,291 of 2,962 stocks
Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.
Revenue Growth
Profitability
Balance Sheet
Earnings Quality
Free Cash Flow
Institutional Flow
Revenue Scale
Dilution Risk
RPAY Stock Analysis & AI Quality Score
Data updated 2026-09-11AI stock analysis and institutional research for Repay Holdings Corp (RPAY), a Industrials sector company. 13F Pro's AI-powered ranking engine scores RPAY at 35.9/100 on a 32-signal composite quality model, placing it at rank #2,291 of 2,962 stocks — the bottom half of the AI-ranked universe. RPAY scores in the top quartile across free cash flow (85.9). Areas of concern include profitability (10.2) and balance sheet strength (16.3), which score below median versus the broader universe. Shareholder dilution risk is elevated at 22.4/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), Repay Holdings Corp reports quarterly revenue of $100.7M, net income of $-11.0M, free cash flow of $38.1M. Top institutional holders of RPAY by reported 13-F value include Forager Capital Management, Veradace Capital Management, PRIVATE MANAGEMENT GROUP, based on the most recent SEC filings. RPAY trades on the Nasdaq exchange and files with the SEC under CIK 1720592. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate RPAY daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Repay Holdings Corp directly from SEC EDGAR. Repay Holdings Corp's 13F Pro composite quality score has ranged between 32 and 57 since 2021, currently 35.9 — a declining long-term trajectory across 68 quarterly and live scoring snapshots.
Revenue
Q2 2026
$100.7M
Net Income
Q2 2026
$-11.0M
Free Cash Flow
Q2 2026
$38.1M
ROIC
Q2 2026
-1.1%
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · ProRevenue
-1.2% YoYNet Income
-2427.8% YoYOperating Income
-3178.3% YoYEPS (Diluted)
-2627.3% YoYTotal Assets
-23.7% YoYTotal Debt
-14.1% YoYOp. Cash Flow
-39.3% YoYFree Cash Flow
-39.1% YoY| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | $309.3M -1.2% | $313.0M +5.5% | $296.6M +6.2% | $279.2M +27.4% | $219.3M +41.4% | $155.0M |
| Net Income | $-256.7M -2427.8% | $-10.2M +90.8% | $-110.5M -960.8% | $12.8M +125.6% | $-50.1M +52.6% | $-105.6M |
| Operating Income | $-254.7M -3178.3% | $-7.8M +93.0% | $-111.4M -136.0% | $-47.2M +12.6% | $-54.0M -68.7% | $-32.0M |
| EPS (Diluted) | $-3.00 -2627.3% | $-0.11 +91.1% | $-1.23 -1125.0% | $0.12 +120.0% | $-0.60 +70.3% | $-2.02 |
| Total Assets | $1.20B -23.7% | $1.57B +3.4% | $1.52B -6.6% | $1.63B -3.5% | $1.69B +51.9% | $1.11B |
| Total Debt | $426.5M -14.1% | $496.8M +14.4% | $434.2M -3.8% | $451.3M +0.6% | $448.5M +74.7% | $256.7M |
| Operating Cash Flow | $91.1M -39.3% | $150.1M +44.9% | $103.6M +39.6% | $74.2M +39.2% | $53.3M +87.2% | $28.5M |
| Free Cash Flow | $90.8M -39.1% | $149.1M +44.9% | $102.9M +44.8% | $71.0M +40.8% | $50.5M +83.6% | $27.5M |
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Available Research
13F Pro tracks comprehensive data for Repay Holdings Corp including:
Top Institutional Holders of RPAY
Forager Capital Management, LLC
$46.6M11,106,548 shVeradace Capital Management LLC
$30.3M7,207,690 shPRIVATE MANAGEMENT GROUP INC
$27.3M6,509,679 shBlackRock, Inc.
$26.3M6,264,983 shAMERICAN CENTURY COMPANIES INC
$25.7M6,121,018 shAQR CAPITAL MANAGEMENT LLC
$18.9M4,498,993 shVANGUARD CAPITAL MANAGEMENT LLC
$13.0M3,083,792 shDIMENSIONAL FUND ADVISORS LP
$12.1M2,874,200 shPacific Ridge Capital Partners, LLC
$9.4M2,240,738 shSTATE STREET CORP
$8.3M1,965,945 sh
| Fund | Value | Shares |
|---|---|---|
| Forager Capital Management, LLC | $46.6M | 11,106,548 |
| Veradace Capital Management LLC | $30.3M | 7,207,690 |
| PRIVATE MANAGEMENT GROUP INC | $27.3M | 6,509,679 |
| BlackRock, Inc. | $26.3M | 6,264,983 |
| AMERICAN CENTURY COMPANIES INC | $25.7M | 6,121,018 |
| AQR CAPITAL MANAGEMENT LLC | $18.9M | 4,498,993 |
| VANGUARD CAPITAL MANAGEMENT LLC | $13.0M | 3,083,792 |
| DIMENSIONAL FUND ADVISORS LP | $12.1M | 2,874,200 |
| Pacific Ridge Capital Partners, LLC | $9.4M | 2,240,738 |
| STATE STREET CORP | $8.3M | 1,965,945 |
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Similarity is computed from the 8 composite sub-scores and latest-quarter 13F conviction holdings (index-style filers excluded). Refreshed monthly.
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Popular Research
Is RPAY a good stock to buy?
13F Pro's AI-powered analysis of Repay Holdings Corp (RPAY) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Industrials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for RPAY are available on the RPAY stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. RPAY is classified as a small company.
Which hedge funds own RPAY?
Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling RPAY. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Repay Holdings Corp's investment landscape.