# Repay Holdings Corporation (RPAY)

- Sector: Technology · Industry: Software Infrastructure
- SEC CIK: 0001720592 ([filings on EDGAR](https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=0001720592))
- Full page: https://inspectstocks.com/stocks/rpay
- Data as of: price 2026-09-25; newest filing used 2026-08-10; latest fiscal period ended 2026-06-30

## Grade

**A** on the growth-and-cash rubric, 5 of 5 checks passed.

| Check | Result | Now | Before |
| --- | --- | --- | --- |
| Revenue growing overall | passed | $337.8M | $290.5M |
| Revenue growing recently | passed | $337.8M | $309.3M |
| Free cash flow positive | passed | $110.1M |  |
| Free cash flow growing overall | passed | $110.1M | $86.5M |
| Free cash flow growing recently | passed | $110.1M | $90.8M |

Business quality (the + / − mark): 2 of 6 checks passed.

| Check | Result | Now | Before |
| --- | --- | --- | --- |
| Profitable | failed | -49.6% |  |
| Healthy profit margin | failed | -49.6% |  |
| Strong operating margin | failed | -44.2% |  |
| Good return on equity | failed | -34.6% |  |
| Debt under control | passed | 0.90 |  |
| Turns sales into cash | passed | 32.6% |  |

How the grade works: the letter counts failed checks (none → A, one → B, two → C, three → D, four or more → F). It is built from SEC filings only — the share price never enters it — and describes the business, not whether the stock is worth buying.

## Key figures

In US dollars, as filed.

| Measure | Value |
| --- | --- |
| Revenue, trailing twelve months | $337.8M |
| Net income, trailing twelve months | -$167.5M |
| Free cash flow, trailing twelve months | $110.1M |
| Net margin | -49.6% |
| Operating margin | -44.2% |
| Return on equity | -34.6% |
| Debt to equity | 0.90 |
| Diluted EPS, trailing twelve months | -$1.99 |
| Share price | $3.79 |
| Market value | $314.2M |
| Price / sales | 0.9x |

## More on this company

- [Overview](https://inspectstocks.com/stocks/rpay)
- [Financial statements](https://inspectstocks.com/stocks/rpay/financials)
- [Competitors](https://inspectstocks.com/stocks/rpay/peers)
- [Earnings](https://inspectstocks.com/stocks/rpay/earnings)

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Source: InspectStocks, built from the company’s own SEC filings. This describes a business — it is not investment advice and not a recommendation to buy or sell anything.