Stocktoria
Repay Holdings Corp RPAY
Repay Holdings Corp (RPAY) earns a Piotroski F-score of 5/9 (mixed financial health), with an Altman Z″ in the distress zone. It does not currently pay a dividend. FY2025 revenue was $309.3M at a -83.0% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Beneish M-score: -3.87 — low (below −2.22 — no manipulation red flag) . A statistical screen for earnings manipulation, not proof — and it doesn't apply to most banks/insurers.
Analyst price target
Wall Street analyst consensus — a sentiment gauge, not our scoring.
How it ranks in Services · percentile among 982 companies
Percentile vs other Services companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 5/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″ components · distress zone
| Component | Value |
|---|---|
| Working capital / assets | -0.037 |
| Retained earnings / assets | -0.492 |
| EBIT / assets | -0.212 |
| Equity / liabilities | 0.675 |
Sector peers · similar-size Services companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| RPAY | Repay Holdings Corp | 5/9 | -2.56 | — | -1.2% |
| RDWR | RADWARE LTD | 6/9 | 3.48 | 62.6 | +9.8% |
| RSKD | RISKIFIED LTD. | 5/9 | 2.91 | — | +5.2% |
| SCOR | COMSCORE, INC. | 4/9 | -11.22 | — | +0.4% |
| QH | QUHUO Ltd | 2/9 | -6.81 | — | -13.5% |
| AMWL | American Well Corp | 4/9 | -16 | — | -2% |
| KRKR | 36Kr Holdings Inc. | 3/9 | -19.3 | — | -1.4% |
About Repay Holdings Corp
Repay Holdings Corporation, a payments technology company, provides integrated payment processing solutions that enables consumers and businesses to make payments using electronic payment methods in the United States. It operates through two segments: Consumer Payments and Business Payments. The company offers payment acceptance solutions, such as debit and credit card processing, automated clearing house (ACH) processing, e-cash, and digital wallet services; virtual credit card processing, enhanced ACH processing, instant funding, clearing and settlement, and communication solutions; and proprietary payment channels that include Web-based, mobile application, text-to-pay, interactive voice response, and point of sale services. It serves customers primarily operating in the personal loans, automotive loans, receivables management, and business-to-business verticals through direct sales representatives and software integration partners. Repay Holdings Corporation was founded in 2006 and is headquartered in Atlanta, Georgia.
FAQ
Is RPAY financially healthy?
Repay Holdings Corp's Piotroski F-score is 5/9 (8–9 is excellent, 0–3 weak), and its Altman Z″ distress score is in the distress zone.
Does RPAY pay a dividend?
No, Repay Holdings Corp does not currently pay a dividend.
How profitable is RPAY?
In FY2025, Repay Holdings Corp had a net margin of -83.0% and a return on equity of -53.0%.
What is the analyst price target for RPAY?
The average Wall-Street price target for Repay Holdings Corp is $6.85, about 82.2% above the recent price, from 5 analysts (consensus: strong buy).
Is RPAY a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on Repay Holdings Corp: a Piotroski F-score of 5/9, an Altman Z″ in the distress zone. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.