Repay (NASDAQ:RPAY) Releases Earnings Results, Beats Expectations By $0.01 EPS

Repay (NASDAQ:RPAY) issued its quarterly earnings data on Monday. The company reported $0.25 earnings per share (EPS) for the quarter, beating analysts’ consensus estimates 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 during the quarter, compared to the consensus estimate 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 Price Performance

Shares of Repay stock traded up $0.09 during trading hours on Monday, reaching $4.49. The company’s stock had a trading volume of 445,319 shares, compared to its average volume of 927,962. The firm has a 50 day moving average price of $3.98 and a 200-day moving average price of $3.59. The company has a debt-to-equity ratio of 1.60, a current ratio of 1.45 and a quick ratio of 1.43. The stock has a market cap of $427.21 million, a P/E ratio of -2.20 and a beta of 1.92. Repay has a one year low of $2.30 and a one year high of $4.80.

Analysts Set New Price Targets

A number of research analysts recently issued reports on RPAY shares. DA Davidson reiterated a “buy” rating and set a $6.00 price objective on shares of Repay in a research note on Wednesday, July 15th. Canaccord Genuity Group restated a “buy” rating and set a $8.00 target price on shares of Repay in a research note on Friday, October 16th. Finally, Weiss Ratings raised shares of Repay from a “sell (e+)” rating to a “sell (d-)” rating in a report on Thursday, August 20th. Three investment analysts have rated the stock with a Buy rating, three have assigned a Hold rating and one has issued a Sell rating to the company’s stock. Based on data from MarketBeat, the stock presently has an average rating of “Hold” and an average target price of $5.25.

Insider Buying and Selling

In other Repay news, General Counsel Tyler Dempsey sold 25,000 shares of the business’s stock in a transaction that occurred on Wednesday, November 4th. The stock was sold at an average price of $4.75, for a total transaction of $118,750.00. Following the sale, the general counsel directly owned 416,251 shares of the company’s stock, valued at $1,977,192.25. The trade was a 5.67% decrease in their ownership of the stock. The sale was disclosed in a legal filing with the SEC, which is available through this link. Insiders sold a total of 75,000 shares of company stock valued at $316,530 in the last ninety days. Company insiders own 12.00% of the company’s stock.

About Repay

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.