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

Repay (NASDAQ:RPAY) posted its earnings results on Monday. The company reported $0.25 earnings per share for the quarter, topping 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 company had revenue of $153.40 million for the quarter, compared to analyst estimates 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 Up 2.0%

Shares of NASDAQ RPAY traded up $0.09 during trading on Monday, hitting $4.49. The stock had a trading volume of 445,319 shares, compared to its average volume of 927,952. Repay has a 12 month low of $2.30 and a 12 month high of $4.80. 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 company has a market capitalization of $427.21 million, a PE ratio of -2.20 and a beta of 1.92. The firm has a fifty day moving average of $3.98 and a two-hundred day moving average of $3.59.

Insider Activity at Repay

In related news, General Counsel Tyler Dempsey sold 25,000 shares of the firm’s stock in a transaction dated Wednesday, November 4th. The shares were sold at an average price of $4.75, for a total transaction of $118,750.00. Following the transaction, the general counsel directly owned 416,251 shares of the company’s stock, 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 document filed with the Securities & Exchange Commission, which is available at this link. Insiders have sold a total of 75,000 shares of company stock valued at $316,530 in the last three months. Corporate insiders own 12.00% of the company’s stock.

Analysts Set New Price Targets

A number of equities analysts have issued reports on the company. 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. Canaccord Genuity Group reissued a “buy” rating and issued a $8.00 price objective on shares of Repay in a research note on Friday, October 16th. Finally, Weiss Ratings upgraded Repay from a “sell (e+)” rating to a “sell (d-)” rating in a report on Thursday, August 20th. Three analysts have rated the stock with a Buy rating, three have assigned a Hold rating and one has assigned a Sell rating to the stock. According to MarketBeat, Repay currently has an average rating of “Hold” and a consensus target price of $5.25.

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.