What is the 13F Pro Quality Score for RPAY?

13F Pro ranks Repay Holdings Corp (RPAY) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View RPAY's current score at https://13fpro.ai/research/RPAY (free sign-up required for the full ranking).

Where does 13F Pro source RPAY data?

All Repay Holdings Corp fundamentals and ownership data come directly from SEC EDGAR. Repay Holdings Corp files with the SEC under CIK 1720592. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is RPAY in?

Repay Holdings Corp (RPAY) is classified in the Industrials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/industrials.

How often is RPAY research updated on 13F Pro?

RPAY's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

Repay Holdings Corp(RPAY)Stock Analysis

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13F Pro Quality Score

33.0/100

Rank #2,243 of 2,879 stocks

View Industrials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

38.3/100

Profitability

11.1/100

Balance Sheet

16.9/100

Earnings Quality

30.0/100

Free Cash Flow

84.0/100

Institutional Flow

16.3/100

Revenue Scale

30.2/100

Dilution Risk

23.3/100

RPAY Stock Analysis & AI Quality Score

AI stock analysis and institutional research for Repay Holdings Corp (RPAY), a Industrials sector company. 13F Pro's AI-powered ranking engine scores RPAY at 33.0/100 on a 32-signal composite quality model, placing it at rank #2,243 of 2,879 stocks — the bottom half of the AI-ranked universe. RPAY scores in the top quartile across free cash flow (84.0). Areas of concern include profitability (11.1) and institutional flow (16.3), which score below median versus the broader universe. Shareholder dilution risk is elevated at 23.3/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q1 2026), Repay Holdings Corp reports quarterly revenue of $80.8M, net income of $-9.9M, free cash flow of $16.7M. Top institutional holders of RPAY by reported 13-F value include Forager Capital Management,, Veradace Capital Management, BlackRock,, 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 33 and 57 since 2021, currently 33.0 — a declining long-term trajectory across 28 quarterly and live scoring snapshots.

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Fun facts about Repay Holdings Corp

Quirks, history, and lore behind RPAY — the kind of stuff that makes a stock memorable.

1
The Basics
U.S. financial technology company · listed on Nasdaq · headquartered in Atlanta, Georgia · focused on payment processing solutions.
2
The Numbers
A small-cap fintech with annual revenue in the low hundreds of millions of dollars, serving thousands of merchants across specialized vertical markets.
3
The History
Founded in the 2000s and went public via a reverse merger around 2019, riding a wave of demand for integrated payment tech in industries that traditional processors largely ignored.
4
The Secret
Its sweet spot is high-risk or underserved sectors — think consumer finance, government, and healthcare — where processing payments is complicated enough that switching costs keep clients sticky.
5
The Lore
The company grew rapidly through acquisitions, stitching together a patchwork of payment platforms, and its ticker is a neat four-letter portmanteau that basically spells out what it does: it gets paid.
6
The Giveaway
Its name — and Nasdaq ticker — are literally a command to collect money, and its whole business is built around helping lenders, utilities, and agencies do exactly that: RPAY.

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Revenue

Q1 2026

$80.8M

Net Income

Q1 2026

$-9.9M

Free Cash Flow

Q1 2026

$16.7M

D/E Ratio

Q1 2026

0.82

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

-1.2% YoY

$309.3MFY 2025

FY21 $219.3MFY22 $279.2MFY24 $313.0MFY25 $309.3M

Net Income

-2427.8% YoY

$-256.7MFY 2025

FY21 $-50.1MFY22 $12.8MFY24 $-10.2MFY25 $-256.7M

Operating Income

-3178.3% YoY

$-254.7MFY 2025

FY21 $-54.0MFY22 $-47.2MFY24 $-7.8MFY25 $-254.7M

EPS (Diluted)

-2627.3% YoY

$-3.00FY 2025

FY21 $-0.60FY22 $0.12FY24 $-0.11FY25 $-3.00

Total Assets

-23.7% YoY

$1.20BFY 2025

FY21 $1.69BFY22 $1.63BFY24 $1.57BFY25 $1.20B

Total Debt

-14.1% YoY

$426.5MFY 2025

FY21 $448.5MFY22 $451.3MFY24 $496.8MFY25 $426.5M

Op. Cash Flow

-39.3% YoY

$91.1MFY 2025

FY21 $53.3MFY22 $74.2MFY24 $150.1MFY25 $91.1M

Metric	FY 2025	FY 2024	FY 2022	FY 2021	FY 2020	FY 2017
Revenue	$309.3M -1.2%	$313.0M +12.1%	$279.2M +27.4%	$219.3M +41.4%	$155.0M +65.0%	$94.0M
Net Income	$-256.7M -2427.8%	$-10.2M -179.1%	$12.8M +125.6%	$-50.1M +52.6%	$-105.6M -1217.6%	$9.4M
Operating Income	$-254.7M -3178.3%	$-7.8M +83.5%	$-47.2M +12.6%	$-54.0M -68.7%	$-32.0M -295.3%	$16.4M
EPS (Diluted)	$-3.00 -2627.3%	$-0.11 -191.7%	$0.12 +120.0%	$-0.60 +70.3%	$-2.02	—
Total Assets	$1.20B -23.7%	$1.57B -3.4%	$1.63B -3.5%	$1.69B +51.9%	$1.11B +629389.1%	$176.3K
Total Debt	$426.5M -14.1%	$496.8M +10.1%	$451.3M +0.6%	$448.5M +74.7%	$256.7M	—
Operating Cash Flow	$91.1M -39.3%	$150.1M +102.2%	$74.2M +39.2%	$53.3M +87.2%	$28.5M +34.7%	$21.1M

AI Insight: RPAY Financial Trends

RPAY shows stagnant revenue around $77-81M with massive losses in Q2 and Q4 2025 eroding equity by $331M over two years.

• Revenue remained flat, oscillating between $75M-$81M across eight quarters with no clear growth trajectory.

• Equity declined from $815M in Q2 2024 to $478M in Q1 2026, reflecting cumulative losses.

• Operating cash flow deteriorated from $31M-$60M range in 2024 to $17M-$33M in recent quarters.

• Total debt decreased from $498M to $391M between Q1 2025 and Q1 2026, reducing leverage.

⚠ Massive quarterly losses of $102M and $140M in Q2 and Q4 2025 suggest potential writedowns or restructuring charges.

⚠ Operating cash flow dropped to $17M in Q1 2026, the lowest level in the dataset.

AI Insight: RPAY Ratio Trends

RPAY experienced severe profitability deterioration with operating margin plunging to -80.3% TTM from -0.9% in Q3 2024.

• Operating margin collapsed from -0.9% in Q3 2024 to -80.3% TTM, reflecting massive operational challenges.

• ROE deteriorated sharply from 1.7% in Q3 2024 to -54.1% TTM as profitability cratered.

• Debt-to-equity ratio rose from 0.53 in Q2 2024 to 0.82 in Q1 2026, indicating increased leverage.

⚠ Two quarters showed extreme losses with operating margins below -130% in Q2 and Q4 2025.

⚠ Q1 2026 operating margin improved to near-breakeven at -0.0% from -182.2% in Q4 2025.

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Available Research

13F Pro tracks comprehensive data for Repay Holdings Corp including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of RPAY

Forager Capital Management, LLC
$24.0M9,242,837 sh
Veradace Capital Management LLC
$18.7M7,192,304 sh
BlackRock, Inc.
$16.3M6,280,948 sh
PRIVATE MANAGEMENT GROUP INC
$15.8M6,075,102 sh
AMERICAN CENTURY COMPANIES INC
$10.6M4,087,521 sh
AQR CAPITAL MANAGEMENT LLC
$10.4M3,992,611 sh
VANGUARD CAPITAL MANAGEMENT LLC
$8.4M3,221,897 sh
DIMENSIONAL FUND ADVISORS LP
$7.7M2,944,447 sh
Portolan Capital Management, LLC
$7.4M2,856,178 sh
Whetstone Capital Advisors, LLC
$7.0M2,690,639 sh

Fund	Value	Shares
Forager Capital Management, LLC	$24.0M	9,242,837
Veradace Capital Management LLC	$18.7M	7,192,304
BlackRock, Inc.	$16.3M	6,280,948
PRIVATE MANAGEMENT GROUP INC	$15.8M	6,075,102
AMERICAN CENTURY COMPANIES INC	$10.6M	4,087,521
AQR CAPITAL MANAGEMENT LLC	$10.4M	3,992,611
VANGUARD CAPITAL MANAGEMENT LLC	$8.4M	3,221,897
DIMENSIONAL FUND ADVISORS LP	$7.7M	2,944,447
Portolan Capital Management, LLC	$7.4M	2,856,178
Whetstone Capital Advisors, LLC	$7.0M	2,690,639

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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.

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.