Repay
Embeds payment acceptance, vendor automation, and bill-payment workflows into vertical-market software.
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Profile
Offers Consumer Payments and Business Payments products for industries with specialized transaction needs, from consumer finance and healthcare to B2B and government. The model leans on software integrations, acquisition-built product breadth, and sponsor-bank access to card and ACH networks.
Provides integrated payment processing for vertical markets where clients need embedded acceptance, disbursement, and back-office payment workflows. Consumer Payments covers debit, credit, ACH, loan disbursement, and RCS clearing and settlement for personal loans, auto loans, receivables management, credit unions, mortgage servicing, healthcare, and retail.
Business Payments adds accounts payable automation, virtual card processing, ACH, and other acceptance tools for sectors including retail automotive, education, field services, governments, healthcare, media, HOA management, and hospitality. The current platform also includes Payment Acceptance, Vendor Payment Automation, Clearing and Settlement, Instant Funding, Messaging Management, and KUBRA bill-payment and customer-communication capabilities.
Operates from Atlanta with a U.S.-focused workforce and North American KUBRA exposure. The business depends on software integration partners, sponsor-bank relationships, card and ACH network rules, and evolving federal, state, and local payments regulation.
Company facts
Categories
Key statistics
Year to date +3.2% · Average volume (30d) 441.5K
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating | Prior target | Target |
|---|---|---|---|---|---|---|
| Jun 3, 2026 | DA Davidson | Reiterate | Buy | $9 | $6 | |
| Jun 3, 2026 | UBS | Reiterate | Neutral | $3.75 | $4.25 | |
| May 7, 2026 | UBS | Reiterate | Neutral | $3.75 | ||
| May 5, 2026 | Stephens | Target | $3.75 | |||
| May 5, 2026 | Stephens & Co. | Downgrade | Overweight | Equal Weight |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Aug 10, 2026Q2 FY26 | $0.21 | $0.20 | −5.5% | $101.9M | $100.7M | −1.1% | −3.39% |
| May 4, 2026Q1 FY26 | $0.22 | $0.22 | 0.0% | $80.5M | $80.8M | +0.4% | −10.75% |
| Mar 9, 2026Q4 FY25 | $0.22 | $0.19 | −13.6% | $76.8M | $78.6M | +2.3% | +8.19% |
| Nov 10, 2025Q3 FY25 | $0.21 | $0.21 | −1.3% | $76.9M | $77.7M | +1.0% | +1.34% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $77.3M | $75.6M | $77.7M | $78.6M | $80.8M | $100.7M | |
| Gross profit | $58.7M | $57.2M | $57.8M | $58.3M | $61.5M | $70.6M | |
| Operating income | −$3.6M | −$104.9M | −$3.0M | −$4.3M | −$7.0K | −$3.3M | |
| Net income | −$7.9M | −$102.3M | −$6.4M | −$140.1M | −$9.9M | −$11.0M | |
| Diluted EPS | −$0.09 | −$1.15 | −$0.08 | −$1.71 | −$0.12 | −$0.13 | |
| Gross margin | 75.9% | 75.7% | 74.4% | 74.2% | 76.1% | 70.1% | |
| Operating margin | -4.7% | -138.7% | -3.9% | -5.4% | -0.0% | -3.2% |
Fiscal years (4-quarter sums)FY21 $219.3M · FY22 $279.2M · FY23 $296.6M · FY24 $313.0M · FY25 $309.3M
Revenue by product · Q2 FY26
Balance sheet, Jun 30, 2026Cash & short-term investments $83.7M · Total debt $772.8M · Total assets $1.61B · Shareholders' equity $472.5M
Dividends
No dividends on record.
Ownership
Shares outstanding 88.09M · Float 63.76M · 72.4% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| Forager Fund, L.P. · 10 percent owner | 11.11M | 12.61% | Form 4 | Apr 10, 2026 |
| Forager Capital Management, LLC | 11.11M | 12.61% | 13F | Aug 14, 2026 |
| Beckham Aggregator, L.P. | 8.91M | 9.38% | 13D | Jul 15, 2026 |
| Alexander Vezendan | 7.37M | 8.20% | 13D | Jun 4, 2026 |
| Veradace Capital Management LLC | 7.21M | 8.18% | 13F | Aug 14, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Mar 25, 2026 | Forager Fund, L.P. | 10 percent owner | +349,558 | $2.92 |
| Mar 26, 2026 | Forager Fund, L.P. | 10 percent owner | +574,400 | $3.04 |
| Mar 27, 2026 | Forager Fund, L.P. | 10 percent owner | +361,716 | $3.05 |
| Apr 1, 2026 | Forager Fund, L.P. | 10 percent owner | +976,782 | $2.54 |
| Apr 2, 2026 | Forager Fund, L.P. | 10 percent owner | +923,218 | $2.53 |
Peers
- ACI Worldwide
Biller and payment-orchestration software overlaps core verticals
- Paymentus
Cloud bill-pay platform overlaps KUBRA and vertical acceptance
- Global Payments
Worldpay-backed commerce platform expands merchant-acquiring overlap
- Corpay
Corporate payments and AP automation overlap Business Payments
- U.S. Bancorp
Elavon brings bank-owned acquiring scale in key verticals
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Repay | $3.74 | +0.13% | $329.4M | — | 4.0 | 1.0 | +33.2% |
| ACI Worldwide | $53.67 | −0.33% | $5.47B | 24.7 | 20.6 | 3.0 | +7.3% |
| Paymentus | $36.10 | +0.38% | $4.52B | 54.5 | 36.8 | 3.3 | +28.8% |
| Global Payments | $91.82 | +0.02% | $22.79B | — | 6.2 | 2.2 | +61.5% |
| Corpay | $407.88 | −0.02% | $26.66B | 24.8 | 14.0 | 5.3 | +21.5% |
| U.S. Bancorp | $62.47 | +0.01% | $97.31B | 12.5 | 11.5 | 2.2 | +10.6% |
| Median | 24.8 | 14.0 | 3.0 | +21.5% |