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Upturn AI SWOT - About
RPAY 
Repay Holdings Corp (RPAY)
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Upturn Advisory Summary
04/01/2025: RPAY (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit -14.93% | Avg. Invested days 29 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 531.16M USD | Price to earnings Ratio - | 1Y Target Price 9.73 |
Price to earnings Ratio - | 1Y Target Price 9.73 | ||
Volume (30-day avg) 757263 | Beta 1.54 | 52 Weeks Range 5.30 - 11.27 | Updated Date 04/1/2025 |
52 Weeks Range 5.30 - 11.27 | Updated Date 04/1/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.11 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -3.24% | Operating Margin (TTM) -1.75% |
Management Effectiveness
Return on Assets (TTM) -0.31% | Return on Equity (TTM) -1.29% |
Valuation
Trailing PE - | Forward PE 6.93 | Enterprise Value 819806853 | Price to Sales(TTM) 1.7 |
Enterprise Value 819806853 | Price to Sales(TTM) 1.7 | ||
Enterprise Value to Revenue 2.62 | Enterprise Value to EBITDA 8.14 | Shares Outstanding 88798200 | Shares Floating 67161631 |
Shares Outstanding 88798200 | Shares Floating 67161631 | ||
Percent Insiders 16.07 | Percent Institutions 94.81 |
Analyst Ratings
Rating 4 | Target Price 11.14 | Buy 1 | Strong Buy 5 |
Buy 1 | Strong Buy 5 | ||
Hold 5 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Repay Holdings Corp
Company Overview
History and Background
Repay Holdings Corp, founded in 2006, provides integrated payment processing solutions to vertical markets. Initially focused on the auto finance industry, it has expanded into adjacent verticals, including healthcare, personal loans, and accounts payable.
Core Business Areas
- Payment Processing: Facilitates electronic payments through various channels, including credit and debit cards, ACH transfers, and mobile payment options.
- Integrated Software Solutions: Offers integrated payment processing solutions tailored to specific vertical markets, enhancing efficiency and compliance.
- Reporting and Analytics: Provides reporting and analytics tools to help clients track payment data, manage risk, and improve decision-making.
Leadership and Structure
John Morris serves as CEO. The company has a typical corporate structure with departments for sales, marketing, technology, operations, and finance.
Top Products and Market Share
Key Offerings
- Description: REPAY's payment processing services allow businesses to accept payments through multiple channels, including online, mobile, and in-person. It competes with larger payment processors like Global Payments (GPN) and Block (SQ).
- Payment Processing Services: Enables businesses to accept payments through various methods like credit cards, debit cards, and ACH transfers. REPAY has a fragmented market. Competitors include Global Payments (GPN) and Block (SQ).
- Description: This provides seamless payment acceptance for business owners within their business operations workflow.
- Integrated Payment Solutions: Solutions integrated with leading business software platforms. Competitors are similar to general payment processing, but also include software-specific payment integrations.
Market Dynamics
Industry Overview
The payment processing industry is experiencing rapid growth due to the increasing adoption of digital payments and e-commerce. The market is competitive, with established players and emerging fintech companies vying for market share.
Positioning
Repay Holdings Corp focuses on vertical markets with specific payment needs, differentiating itself from larger, general-purpose payment processors. They have expertise in industries such as auto finance and healthcare.
Total Addressable Market (TAM)
The global digital payments market is expected to reach trillions of dollars. REPAY's niche focus allows it to capture a portion of this market by providing specialized solutions and expertise.
Upturn SWOT Analysis
Strengths
- Vertical market expertise
- Integrated solutions
- Strong customer relationships
- Agile and responsive to market changes
Weaknesses
- Smaller scale compared to larger competitors
- Reliance on specific vertical markets
- Potential for customer concentration
Opportunities
- Expansion into new vertical markets
- Strategic acquisitions
- Partnerships with software providers
- Increasing demand for digital payments
Threats
- Intense competition
- Regulatory changes
- Economic downturn
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- Global Payments Inc. (GPN)
- Fiserv Inc. (FI)
- Block Inc. (SQ)
Competitive Landscape
Repay Holdings Corp has advantages through niche vertical market focus. Disadvantages include smaller size and resources than its larger competitors.
Major Acquisitions
BillingTree
- Year: 2021
- Acquisition Price (USD millions): 503
- Strategic Rationale: Enhanced REPAY's position in integrated payment solutions for accounts receivable management.
Payprotec
- Year: 2020
- Acquisition Price (USD millions): 115
- Strategic Rationale: Strengthened REPAY's presence in the B2B accounts payable market.
Growth Trajectory and Initiatives
Historical Growth: Repay Holdings has grown through organic expansion and acquisitions, focusing on specialized vertical markets.
Future Projections: Analyst estimates are needed for future growth projections. These will consider market trends, competitive dynamics, and Repay's strategic initiatives.
Recent Initiatives: Recent initiatives have included expanding into new vertical markets and acquiring companies that complement Repay's existing offerings.
Summary
Repay Holdings Corp is a payment processing company with a focus on integrated solutions for specific vertical markets. It has experienced growth through acquisitions and strategic partnerships. While it faces competition from larger players, its niche focus and integrated offerings provide a competitive advantage. However, it needs to carefully manage risks associated with regulatory changes and cybersecurity threats to maintain its strong position.
Similar Companies
FI
Fiserv, Inc.
FI
Fiserv, Inc.
GPN
Global Payments Inc
GPN
Global Payments Inc
PYPL
PayPal Holdings Inc
PYPL
PayPal Holdings Inc
Sources and Disclaimers
Data Sources:
- Company filings (SEC)
- Industry reports
- Analyst reports
- Company website
Disclaimers:
This analysis is based on available information and is subject to change. Market conditions and company-specific events can impact future performance. Not financial advice.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Repay Holdings Corp
Exchange NASDAQ | Headquaters Atlanta, GA, United States | ||
IPO Launch date 2018-07-17 | CEO, Co-Founder & Director Mr. John Andrew Morris Sr., CPA | ||
Sector Technology | Industry Software - Infrastructure | Full time employees 465 | Website https://www.repay.com |
Full time employees 465 | Website https://www.repay.com | ||
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. The company was founded in 2006 and is headquartered in Atlanta, Georgia.
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