RPAY is not among the 142 companies we ingest every day, so it is not in the fundamentals screener or the size and group lists built from it. This page reads its SEC filings when the page is built. Ask us to add it: we keep a count per ticker and nothing about you.
Latest report (10-Q, filed 2026-08-10). Three months to 2026-06-30 against 2025-06-30: Revenue $100.7M, up 33.2% from $75.6M; Net loss $11.0M, 89.3% smaller than $102.3M. Six months to 2026-06-30 against 2025-06-30: Operating cash flow $57.1M, up 60.4% from $35.6M. Read it line by line, each linked to its source → · Every report →
/stocks/RPAY // the workspaceSource: SEC EDGAR · refreshed daily
Repay Holdings Corp (RPAY) is a services-business services, nec company. Piotroski F-Score 4/8. 3 insider Form 4 filings in the last 90 days. Next earnings projected around 2026-11-09 from RPAY's year-over-year reporting pattern (not yet company-confirmed). Fundamentals from SEC filings; prices are end-of-day.
Every filed figure on this page is free to read, dated and sourced; no column is held back for a paid plan. Each section with figures says what date they are true as of and where they come from.
MARKET CAP$376.45B⊙
INFERENCE — derived by arithmetic
SourceLast close times weighted-average diluted shares
How4.52 USD close on 2026-11-03 × 83,285,379,000 weighted-average diluted shares (the average over the quarter 2026-04-01 to 2026-06-30, not a count at one date) = 376.45 billion USD.
Source: SEC EDGAR · fundamentalsEOD · as of 2026-11-03 close · delayed, not real-time, so no bid or askMarket cap = last close × filed share count. How the count is chosen
why is it moving // cited AI read
What’s behind RPAY’s latest move — the size, how unusual the volume is, and the catalyst on the tape, explained and cited to the source.
CiteRepay Holdings Corp (RPAY), us-gaap:EarningsPerShareDiluted: -3.00 USD per share, fiscal year ended 2025-12-31. Form 10-K, accession 0001193125-26-098518, filed 2026-03-09. Source: SEC EDGAR XBRL companyconcept, https://data.sec.gov/api/xbrl/companyconcept/CIK0001720592/us-gaap/EarningsPerShareDiluted.json
XBRL company facts, SEC EDGAR. TTM = last four reported quarters. Valuation ratios arrive with a price source — we don't fake quotes.
filings & insider activity // official3 FORM 4 / 90D
newest filing · the five newest 10-K, 10-Q and 8-K filings · SEC EDGAR submissions
10-Qquarterly reportThe quarterly report. Its statements are reviewed but not audited, and one quarter can mislead on its own.2026-08-10
8-Kresults announcedItem 2.02 says results were released, usually in an attached press release. It does not say results improved, and the figures are unaudited. Also reports Item 7.01.press release →2026-08-10
8-Kmaterial agreementItem 1.01 reports a material agreement. The summary leaves out terms, so read the agreement if it is attached. Also reports Items 5.02, 7.01.press release →2026-07-14
SourcePiotroski F-Score: nine pass or fail tests on two filed fiscal years
As offiscal year ended 2025-12-31 against 2024-12-31
How4 of the 8 computable tests pass. 1 of 9 cannot be computed from the filings and are not counted as passes or fails. Arithmetic on filed XBRL facts.
As offiscal year ended 2025-12-31 against 2024-12-31; market value at the 2026-11-03 close
How1.2 × working capital / total assets + 1.4 × retained earnings / total assets + 3.3 × EBIT / total assets + 0.6 × market value / total liabilities + 1.0 × sales / total assets = 313.42. Balance sheet and income from the filings; market value is the stored market cap.
As offiscal year ended 2025-12-31 against 2024-12-31
How-4.84 + 0.92 DSRI + 0.528 GMI + 0.404 AQI + 0.892 SGI + 0.115 DEPI - 0.172 SGAI + 4.679 TATA - 0.327 LVGI = -3.87, each index a ratio of the two filed years. Above -1.78 is the model's review threshold.
quarters ended · through · 12 quarters, as filed · SEC XBRL companyfacts
12 quarters of filed history · red = loss quarter · ★ = biggest revenue growth against the same quarter a year earlier
From RPAY’s quarterly XBRL filings. Fastest revenue growth: the quarter ending Jun 2026 (+33% on a year earlier). Net loss in Mar '23, Jun '23, Sep '23, Mar '24, Jun '24, Mar '25, Jun '25, Sep '25, Mar '26, Jun '26.
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fair value // DCF · reverse DCF · Graham — no black boxestimate, not a target
inputs from the fiscal year ended · price close · annual filings, one daily close · SEC XBRL companyfacts and end-of-day bars (Databento)
GRAHAM NUMBERiBenjamin Graham's ceiling for a cautious buyer: the highest share price his 1949 rule allows, at 15 times earnings and 1.5 times book value combined. A yardstick, not a forecast.
Not computed. Only 5 consecutive annual reports state it for both years. The report for the fiscal year ending 2020-12-31 does not state operating cash flow, capital expenditure and a diluted share count for both of its years under the concepts read.
Diluted EPS, realized
3 FILED YEARS
Not computed. Diluted EPS was negative in fiscal 2025, so a growth rate is not defined.
5 FILED YEARS
Not computed. Diluted EPS was negative in fiscal 2020, where this window starts, so a growth rate is not defined.
10 FILED YEARS
Not computed. Only 5 consecutive annual reports state it for both years. The report for the fiscal year ending 2020-12-31 does not state diluted EPS for both of its years under the concepts read.
Per filed share, as each report states it. Free cash flow per share is operating cash flow less capital expenditure, over the diluted weighted average share count (or net income over diluted EPS where the count is tagged per share class).
Each year’s change comes from one annual report, which states that year and the year before on the same share basis, and the rate compounds those changes; so a split or a restatement between reports cannot bend it. A rate needs a positive figure at both ends of its window. The DCF above grows total free cash flow and divides by today’s share count, so a per-share rate also carries the buybacks or new shares of those years. These are past figures, not a forecast.
Not shown yet: the P/E range RPAY has traded at, which would set the discount rate and terminal assumptions against its own history. It needs a long daily price history we are not yet licensed to display.
SENSITIVITY: DCF VALUE PER SHARE
Stage-1 growth down the side, discount rate across the top, with terminal growth at 2.5% and 10 years of stage 1. Every cell runs the same two-stage DCF as the card above, so moving a slider moves the grid.
Growth ↓ Discount →
7%
8%
9%
10%
11%
4%
0.03
0.02
0.02
0.02
0.01
6%
0.03
0.03
0.02
0.02
0.02
8%
0.04
0.03
0.03
0.02
0.02
10%
0.05
0.04
0.03
0.03
0.02
12%
0.05
0.04
0.04
0.03
0.03
Growth the close implies
78.2%
83.2%
87.6%
91.7%
95.6%
Outlined: your current pair. Shaded: at or above the last close, 4.52 USD. The heavy line runs between the cells on either side of it.
Plain English for every number above. One AI generation, or free if someone already asked about these numbers.
THE INPUTS — FROM RPAY’S FILINGS, FY ENDING 2025-12-31
Estimates, not targets. The DCF treats free cash flow as cash flow to equity and divides by shares (the common retail shortcut — it skips net debt and a full WACC), so it’s a sanity-check, not a valuation opinion. All inputs are from RPAY’s SEC filings; change any assumption above and the numbers update live. Educational only — not investment advice.
revenue // quarterly$101M
quarters ended · through · 12 quarters, as filed · SEC XBRL companyfacts
2022-09-302026-06-30
net income // quarterly$-11M
quarters ended · through · 12 quarters, as filed · SEC XBRL companyfacts
2022-09-302026-06-30
eps diluted // quarterly$-0.13
quarters ended · through · 12 quarters, as filed · SEC XBRL companyfacts
As filed. We do not recategorize line items. Each chart plots one XBRL concept exactly as RPAY tagged it: revenue us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax, net income us-gaap:NetIncomeLoss, EPS us-gaap:EarningsPerShareDiluted, period by period; a period the company did not tag on its own is left out, not estimated. A figure that disagrees with the filing is a bug in our extraction, not a policy, and we fix it: report a mismatch.
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research brief // the filing-grounded overview + SWOTNEW
A plain-English read on RPAY plus an auto-SWOT, built from RPAY's SEC filings and market data, every point cited, nothing invented. Educational, not investment advice.
research committee // bull vs bear, from the filingsNEW
Four AI analysts, a bull, a bear, a risk manager, and a PM, debate RPAY using only the SEC-filing and market facts below. Every point cites its evidence; nothing is invented. This is educational research, not investment advice.
ask RPAY // answered from its filing evidence
Ask about RPAY’s revenue, earnings, valuation, filings, insiders or Congress trades. Answers come only from the numbered evidence the research brief uses, each citing the items it rests on. A question about one figure is answered by code, free. One that puts figures together is 1 generation (Pro). A question about whether to buy, sell or hold, how much, or where the price goes gets a refusal.
Educational only — not financial advice. Data from SEC EDGAR public filings; no live market data is shown. Figures reflect the company's own reported XBRL facts and may lag.
Item 2.03 reports a new debt or similar obligation. Whether it helps or strains the company is not something the form states. Also reports Item 1.01.
2026-06-15
8-Kexecutive or board changeItem 5.02 reports a director or senior officer arriving or leaving, or their pay changing. It seldom says the real reason for a departure. Also reports Item 5.07.2026-06-12
next 14 days // what each source returneda record of what was checked, not a forecast
SEC submissions read · calendar days, the next 14 · the company's own filings on SEC EDGAR, our 8-K date sweep and dates checked by hand
On file for RPAY from Nov 4, 2026 to Nov 17, 2026: earnings date and filing deadline (below).
Event
Result
Source, and when
Earnings date
on file. RPAY reports: Nov 9 (projected from past report dates, not company-confirmed; window Nov 4 to Nov 14; usually after the close, from past SEC filing times). source
the company’s results 8-Ks on EDGAR (the projected window), our sweep of scheduling 8-Ks, and dates checked by hand on company pages; read 2026-11-04
Filing deadline
on file. In the window: the 10-Q for the quarter ending Sep 30, 2026, due 40 days after it for an accelerated filer, falls due Nov 9, 2026. Newest periodic report on file: the 10-Q for the period ending Jun 30, 2026, filed Aug 10, 2026. filing list on EDGAR
SEC’s submissions file for the company: its filer status, fiscal year end and newest periodic report; read 2026-11-04
Ex-dividend date
not covered. Not checked. This attestation does not cover ex-dividend dates.
none: we carry no declared ex-dividend dates, only the dividends companies report in their filings
This records what these sources returned when they were read. It is not a forecast: a company can announce an event at any time, and ex-dividend dates are not covered. Window 2026-11-04 to 2026-11-17, Eastern dates. Deadlines follow SEC Rules 13a-1 and 13a-13 and Form 20-F, moved past weekends and federal holidays by Rule 0-3.
filed figures against its sic group // one metric at a time, no compositemedian and percentile
oldest fiscal year ended · newest fiscal year ended · oldest stored read · newest stored read · one annual report per company, newest on file · SEC XBRL annual reports as our valuation history stored them; SIC descriptions from EDGAR
Group: Services-Business Services, NEC, the SEC industry code RPAY files under. 11 companies in our stored table file under it.
Metric
RPAY
Group median
25th to 75th percentile
Where RPAY sits
Net marginnet income divided by revenue, same fiscal year
not placed
15.8%⊙
INFERENCE — derived by arithmetic
SourceNet margin across the 11 companies filing under SEC SIC "Services-Business Services, NEC" in our stored table
As offiscal years ended 2025-06-30 to 2025-12-31
HowEach company's net income divided by revenue, same fiscal year, from its newest annual report as stored. The median is the middle value; the 25th to 75th percentile is the middle half, linear between ranks. A group prints from 6 companies with the figure.
11 companies
8.8% to 28.2%
RPAY has no annual report in the stored table yet, so it has no figure to place.
Free cash flow marginoperating cash flow less capital expenditure, divided by revenue, same fiscal year
not placed
23.0%⊙
INFERENCE — derived by arithmetic
SourceFree cash flow margin across the 11 companies filing under SEC SIC "Services-Business Services, NEC" in our stored table
As offiscal years ended 2025-06-30 to 2025-12-31
HowEach company's operating cash flow less capital expenditure, divided by revenue, same fiscal year, from its newest annual report as stored. The median is the middle value; the 25th to 75th percentile is the middle half, linear between ranks. A group prints from 6 companies with the figure.
11 companies
16.6% to 33.7%
RPAY has no annual report in the stored table yet, so it has no figure to place.
Return on equitynet income divided by stockholders’ equity at the fiscal year end
not placed
26.7%⊙
INFERENCE — derived by arithmetic
SourceReturn on equity across the 10 companies filing under SEC SIC "Services-Business Services, NEC" in our stored table
As offiscal years ended 2025-06-30 to 2025-12-31
HowEach company's net income divided by stockholders’ equity at the fiscal year end, from its newest annual report as stored. The median is the middle value; the 25th to 75th percentile is the middle half, linear between ranks. 1 of the 11 companies in the group lack the figure and are not counted. A group prints from 6 companies with the figure.
10 companies
9.1% to 35.8%
RPAY has no annual report in the stored table yet, so it has no figure to place.
One filed metric per row, each a ratio of two figures from the same annual report; no composite and no grade. Percentile is the share of the group’s other companies with a lower figure. A group prints from 6 companies with the figure. The group is drawn from our stored table (the S&P 500 issuers and the companies we cover, each with its newest annual report read), not from every filer in the class. Industry pages show the same medians by group.
Volume against its own history: 19% of its last 252 sessions were lighter than the last one, the 2026-11-03 session. End-of-day bars (Databento). Volume detail
last close against its levels // closes, through 2026-11-03
52-week high close4.702026-11-02
Prior close4.702026-11-02
Last close4.522026-11-03
20-session average4.19simple, through 2026-11-03
50-session average3.94simple, through 2026-11-03
200-session average3.58simple, through 2026-11-03
52-week low close2.402026-04-07
Closes only, split-adjusted. An average needs that many sessions on file to print. These are measurements, not support, resistance or targets. Chart with studies
earnings center RPAY // expectation vs reality
last results 8-K filed · one 8-K per report, closes the session before and after · SEC 8-K Item 2.02 filings and end-of-day bars (Databento)
NEXT REPORT · confidence engine★★★★★HIGH CONFIDENCEwindow open nowUsually after the close, from past SEC filing times
▸29 historical earnings 8-Ks (Item 2.02) on file
▸Reports on a ~91-day quarterly cadence (+/-2d)
▸Results filed after the close in 8 of the last 8 reports, by EDGAR acceptance time
▸Last report filed 2026-08-10, accepted 4:16 PM ET
Projected from RPAY's own SEC 8-K filing history — the year-over-year reporting pattern (about 47% land the exact day, about 91% within a week, measured across 4,713 past reports). No analyst estimates and nothing invented, and every confirmed date links to the source it came from, so you can check it yourself. It upgrades the momentRPAY files or announces.
The BreakdownEARNINGSdeterministic · from filings
RPAY has sold off after 5 of its last 8 earnings reports.
Typical move±3.8%
Average move±5.1%
Biggest earnings pop+3.9%
Biggest earnings drop-15.3%
Each figure is one earnings reaction — how much RPAY moved from the closing price the day before a report to the close the day after. Based on its last 8 reports.
Earnings reactions have been moderate.
RPAY has traded lower after most recent earnings releases.
The average is inflated by its most volatile prints (+3.9% and -15.3%).
A more typical earnings reaction has been approximately ±3.8%.
Realized close-to-close history only — no options-implied move, no analyst estimates.
Earnings dates are the company's 8-K Item 2.02 filings (SEC). Reactions from Databento EOD.
chart read // written by code from end-of-day closes
Recent range
Over the last 20 sessions the close ran from 3.81 on 2026-10-07 to 4.70 on 2026-11-02. The last close, 4.52 on 2026-11-03, sits 80% of the way up that range.
52-week range
The 52-week closing range runs from 2.40 on 2026-04-07 to 4.70 on 2026-11-02. The last close is 3.8% below the high close and 88.3% above the low close.
The window's move
The close changed +18.0% over the last 20 sessions. Of the 568 earlier 20-session windows on file since 2024-07-01, 81% were smaller in size, up or down. Over 63 sessions it changed +13.0%.
Averages
The last close is 14.8% above its 50-session average of 3.94 and 26.2% above its 200-session average of 3.58. The 50-session average sits 9.9% above the 200-session average.
Largest daily moves
The largest close-to-close moves of the last 63 sessions: +9.1% on 2026-09-02, -5.2% on 2026-09-08, +4.8% on 2026-10-15.
Daily range
Wilder's ATR over 14 sessions is 4.11% of the close. Its median over the last 252 sessions was 5.40%.
Volume
Volume on 2026-11-03 was 357,835 shares, 0.97 times the average of the 20 sessions before it. The last 20 sessions averaged 0.38 times the average of the last 252.
RSI (14)
Wilder's RSI over 14 sessions reads 62.9 on a scale of 0 to 100.
-15.3%
▼Bearish
2024-11-12
-3.7%
▼Bearish
Resistance areas
The nearest resistance area our tool finds above the last close spans 4.52 to 4.57, 0.0% above. 10 sessions traded up into it and closed below it. It was last traded in on 2026-11-03. Measured on 136 tickers (2026-10-05), the nearest such area held, with no close above it for 5 sessions, 33.4% of the times it was reached within 20 sessions, against 33.3% for random bands of the same width: no measured edge.
Daily closes from 2024-07-01 through 2026-11-03, 589 sessions, split-adjusted. No direction, pattern, entry, target or overbought label: these are measurements. Filings dated on the move days are in RPAY’s filings; the chart with studies draws every figure.
Written by code from 589 end-of-day bars through 2026-11-03. Written by code from the data on file, not by a model. Information, not investment advice: it describes the security and recommends nothing to anyone.
AI writes the read above in plainer words, from those figures only. 1 generation (Pro), or free if someone already asked about the 2026-11-03 read.
oldest 13F quarter ended · newest · quarterly, filed up to 45 days after the quarter · each fund's latest SEC Form 13F-HR
No tracked institution reported a position in RPAY in the latest 13F round.
Funds holding RPAY // SEC Form NPORT-P, not a licence
NPORT period ended · quarterly, filed about 60 days after the period · SEC Form NPORT-P filings
3 of 38 funds we scan hold RPAY
Every registered fund files its complete portfolio with the SEC. These weights come from those filings, so each one carries the period it describes. Holdings are quarterly and filed in arrears — the figures below are as of 2026-06-30, not today.
Fund
Weight
As of
IWMiShares Russell 2000 ETF
<0.01%
2026-06-30
ITOTiShares Core S&P Total US Stock Market ETF
<0.01%
2026-06-30
VTIVanguard Total Stock Market ETF
<0.01%
2026-06-30
Drawn from 38 large US equity funds we scan, not every fund in existence, so a missing fund means we do not scan it rather than that it holds none. Holdings are joined to tickers by issuer name, which does not resolve every position; what that misses is published.
fair value band // not built, 1 of 5 estimators rana range needs 2 estimators
1 of 5 estimators could run on RPAY's filings. A band needs at least 2.
One estimator is a point estimate, not a range, so no band and no valuation label are published for RPAY. Below is everything that was checked, so the refusal can be read rather than taken on trust.
RAN
Two-stage DCF: 8% growth for 10y, 2.5% terminal, 9% discount. Its value is withheld on its own.
COULD NOT RUN
Median P/E: no price history available.
Median P/S: no price history available.
Median P/B: no price history available.
Median P/FCF: no price history available.
No fiscal year of price history was on record; the historical multiples need 5. No sector peer set is priced for RPAY, so sector medians could not fill the gaps.
Reinvested in the business (capex)$286000 · 0% of OCF
property, plant and equipment — money put back into operations.
Returned via share buybacks$1.9M · 2% of OCF
shares repurchased — returns cash and lifts per-share figures, but only creates value below intrinsic worth.
Every figure is from RPAY’s SEC cash-flow statement. This describes how management deployed cash last period — it is not a grade of that deployment, not a forecast, and not investment advice. Whether reinvesting, paying down debt, or returning cash was the right call depends on the return each earns, which the filings do not settle. Educational information only.
Where RPAY is incorporated // the company’s own filing
10-Q cover filed · checked · as of the latest periodic report cover · the company's own report cover, EDGAR's directory as a cross-check
Incorporated in Delaware, United States
Head office: Atlanta, Georgia, United States · the company’s charter and its head office are in different states.
Source: the cover page of Repay Holdings Corp’s 10-Q filed 2026-08-10, on EDGAR. Filings checked 2026-11-04. Incorporation is where the company’s charter was filed. It is not where the business operates or earns, which no filing cover states. How this works
what is new on file for RPAY // four checks, each datedwhat was checked, not a judgement
congress feed generated · short interest settlement · four checks, each over 30 days back from its own source date · SEC EDGAR, Form 4, STOCK Act disclosures and FINRA short interest
2 of the 2 checks that ran found nothing new for RPAY. 2 could not run.
Filings
NOT CHECKED
Newest 10-K, 10-Q or 8-K on record: the 8-K (results announced) filed 2026-08-10. When this list was stored is not recorded for this company, so no "nothing since" claim is made.all filings →
Insider trades
NOT CHECKED
The Form 4 list for this company was read from source for this page build and that read time is not recorded, so no window claim is made. The insider panel below shows what was found.insider panel →
Congress trades
NOTHING NEW
No STOCK Act disclosure of a trade filed in the 30 days to 2026-11-04. None is on record in the feed. Members of Congress disclose a trade up to 45 days after it happens.⊙
EVIDENCE — filed/published fact
SourceSTOCK Act disclosures (House Clerk, Senate eFD), via the Congress Trading Monitor
As of2026-11-04 (feed generated)
HowDates are filing dates as disclosed. Trades are reported up to 45 days after they happen.
3,793,955 shares short at the 2026-10-15 settlement, inside the range of the 24 settlements in the 12 months before it (3,775,263 to 6,046,787, from 2025-10-15).⊙
INFERENCE — derived by arithmetic
SourceFINRA consolidated short interest, biweekly archive
FieldcurrentShortPositionQuantity
As of2026-10-15 settlement
HowThe latest settlement against the lowest and highest of the 24 settlements in the 12 months before it. Arithmetic on FINRA's figures; not split-adjusted.
Each event check looks back 30 days from the date its own source was stored, read or generated, never from the date this page was built. A check that finds nothing is a measurement of that window, not a forecast, and a check that cannot be dated does not make the claim at all.
smart money // insiders vs institutionstwo clocks, not one signal
insider trades through · Form 4 as filed, 13F quarterly · SEC Form 4 and Form 13F-HR
Insiders onlyInsider activity on RPAY, with no 13F position changes in the latest round.
INSIDERS · FORM 4
0 buy · 2 sell
Net −$198K. Open-market trades only — grants and option exercises are excluded, because they are compensation rather than a decision to buy. 2 of the sales were set up in advance under a Rule 10b5-1 plan.
INSTITUTIONS · 13F
0 adding · 0 trimming
0 tracked funds hold $0K.
From SEC Form 4 and 13F filings. Both are backward-looking disclosures on different reporting clocks, and neither predicts price. Educational information only — not investment advice.