Repay Holdings (RPAY) stock

Payment processingFintech and payments

Market cap $366M

$4.70

+2.62%

Payment processing, market cap $366MFintech and payments

After-hours $4.70 0.00%

As of 5:08 PM ET after-hours, delayed 15+ min · Live for Pro members

Quality Score

Average

In its industry

#22of 67

Business Services

Checks firing

9of 14

Trending up

From 52-week high

-1.3%

Above the 200-day

Up:Highest Quality Score since Jul 2024. Scores before Sep 10, 2026 were rebuilt.

RPAY's Quality Score rose 2 points on Mon, Nov 2, to 10.

See RPAY's 14 chart checksSee it live, free until Wednesday morning. No account. No card. Then keep going with a free account.

We do the work for you. Every stock is scored and ranked, every 15 seconds while the market is open. Here it's 15 minutes behind. Pro members see it live.

Why is RPAY down?

Up 2.6% today with business services stocks: Paymentus Holdings rose 6.8% after its report; 56 of 67 are up, 2.0% on average; the S&P 500 is down 0.5%.

Lags the market

Down 79% over five years while the S&P 500 rose 76%.

Its loss grew from $10.2M in fiscal 2024 to $256.7M in fiscal 2025, while its operating margin fell to -82.4% in fiscal 2025.

Sources: Price history, Oct 30, 2026; Annual reports, Dec 31, 2025; Peers' annual reports, Oct 30, 2026

1 more reason, free with an account →1 more reason why RPAY lags the market, from its filings, with the timeline and its peers, for Pro members.

Key facts on RPAY

Key facts on RPAY
The chart	Above every average
Its score	Up:Highest Quality Score since Jul 2024 Scores before Sep 10, 2026 were rebuilt.
Latest filing	10-Q, Aug 10 Filed its quarterly report (10-Q) for the quarter to Jun 30, 2026

1 more reason behind RPAY's 10, free with an account →

RPAY in the news

TodayWith its group.

RPAY catalysts

Coming up

After its last 4 reports it closed -1.1% on average, higher 2 of 4 times.

12 past catalysts since 2020, with sizes and sources, for Pro members.Get in free →

Why RPAY scores 10

Averagefor quality, not price, 9 of 14 chart checks firingWhat the Quality Score means

Well above its recent run. RPAY scores 10 today, against a median of 5 over its last 20 recorded sessions.

+9Chart checks 9 of 14 firing right now, one point each
+2Long-term trend above a rising 200-⁠day average, near its 52-⁠week high, down over two years

Profit subtractsRead on the last four quarters against the four before, or the last full year where no quarters are filed.

No effect today: Run-up, Size, Growth, Dilution, Volatility, Cash flow, Persistence, and News.

What every line is worth, and the reason behind it, on RPAY and every other stock.Get in free →

Price, score, chart checks, and the industry rank are from a snapshot taken at 5:08 PM ET, at least 15 minutes behind. How we rank stocks.

Tested. Our top-⁠scored stocks returned 2.2x the average stock over the next month. How we tested it

Alert me when RPAY's Quality Score turns up

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Here is what Pro members see.

The same page for Pro members, on AMD
Its Quality Score and rank, the line that drives it, and the live price.
The full chart
A year of candles to start, out to the whole history, with insider trades marked and the Quality Score under the price.
Every line of the score
Price action, the company, and signals, each with its points, on RPAY and every other stock.
CEOs buying their own stock
Every CEO buy, biggest names first. Sort, filter, save the list, and set optional alerts.
Congress trades
A member's trades, newest first, each with its amount. Sort and filter the whole list.
14 chart checks, read for you
The ones firing on the stock, each in plain words, its rule a tap away.
Earnings, week by week
Who reports each day, and how each stock took its last four reports.
FDA dates, counted down
Each date in the company's words, its cash against the date, and an optional alert before it.
The market map
Every stock a box, colored by its Quality Score.
Themes, ranked live
Each theme's stocks ranked by Quality Score, live. Here, AI chips.
The top 10, every day
The ten highest Quality Scores at each close, kept day by day, week by week.
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Pick a stock, a score, a price, a filing, or a whole scan. It tells you by push or email.
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Your stocks by Quality Score, today's move, or name.
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The same account and watchlist on both, each laid out for its screen.

Prices refresh every 2.5 seconds during market hours.
Optional alerts by push, email, or the bell.
Add it to your Home Screen and it opens like an app.

RPAY has 9 of 14 chart checks firing

Trend1 of 5 shown

MA FAN 21 EMA W.EMA HH/HL 52W HI

Volume1 of 3 shown

VOL VDU U/D VOL

Tight range1 of 3 shown

ATR SQZ SQUEEZE NR7

Buying1 of 3 shown

OBV+CLOSE HI SPRING

The other 10 checks on RPAY, and all 14 on every stock.Get in free →

RPAY RSI today: 71.9, above its 50-day and 200-day averages

Not scored

Not in the Quality Score: over 20 years of tests, 2006 to 2026, they added no edge.

RSI 1471.9
70 or above.
MACD (12, 26, 9)Above signal
Crossed above its signal line 20 sessions ago.
50-day average$3.92
The price is 19.9% above it.
200-day average$3.58
The price is 31.3% above it.
50/200 crossGolden cross
The 50-day crossed above the 200-day on Jul 14.
ADX 1426.0
25 or more, with +DI above -DI.
Support$3.77
Swing low from Oct 12, 19.7% below the price.
Resistance$4.70
At its 52-week high.
52-week high$4.70
From Nov 2, at the price.
52-week low$2.30
From Apr 7, 51.1% below the price.
Chart patternNone
No triangle, channel, or wedge in the last year.
Bollinger Bands (20, 2)Above
The bands run from $3.64 to $4.66.
Volume1.4x
Against its 20-day average, for the time of day.

The deep dive on RPAY

What it does and how it makes money3 findingsFor Pro members3 findings on what RPAY does and how it makes money, for Pro members
Where it stands4 findings$83.7M in cash and short-term investments against $753M of debt on Jun 30, 2026.Balance sheet of Jun 30, 2026, filed Aug 10, 2026
Who holds and trades it1 findingFor Pro members1 finding on who holds and trades RPAY, for Pro members
Against its closest peers4 peersNet income over four quarters: RPAY -$167M, EEFT $288M, PRTH $56.2M, PAYS $15.8M.

7 more findings on RPAY, each with its source, for Pro membersGet in free →

How RPAY ranks in Business Services

RPAY is #22 of 67 by Quality Score among Services-⁠Business Services.

How RPAY ranks in Business Services
1	MAMastercard	8/14	22
2	FLYWFlywire Corporation Voting	8/14	19
3	MAXMediaAlpha	8/14	18
	RELYRemitly Global		Open for its score
	RMNIRimini Street		Open for its score
	RSKDRiskified		Open for its score
	SEZLSezzle		Open for its score
22	RPAYRepay	9/14	10

Net income over four quarters: RPAY -$167M, EEFT $288M, PRTH $56.2M, PAYS $15.8M.

When does RPAY report earnings, and what happens after?

Reports Mon Nov 9, after the close (in 7 days). Confirmed.

What an earnings report is: every 3 months, a company tells everyone how much it sold and earned. We read the figures, the outlook, and how the stock moved after.

What RPAY reported on Aug 10, 2026

The quarter

The figures are not read from the release yet.

The filing on EDGAR

Where the sales came from

RPAY's results filing gives no sales by line in a table we read.

The outlook

The outlook the company gave, by period
Measure	Figure
Full year 2026
Revenue from KUBRA	$150M to $154Mkept

Figures as filed (SEC filing, Aug 10)

2 more outlook lines, for Pro members.

In the company's words

“The combined free cash flow generation and expected synergy realization gives us confidence in obtaining our net leverage target of returning below 3x over the next 18 months.”

From its results filing (SEC filing · Aug 10)

The numbers

Market value: $366M; today
Sales: $338M; up 8.8% on the year
Free cash flow: $110M; last 12 months

Sales grew 15% a year over 5 years, fiscal 2020 to 2025.

Its share count fell 8.2% a year over 3 years.

5 more figures, for Pro members.

No analyst estimates on Breakaway: every figure here is filed.

The whole report on RPAY: every line of its sales, every outlook beside the one it replaced, and the company's words, for Pro members.Get in free →

+8.2%-10.8%-3.4%

Mar 9May 4Aug 10

Reported	When	Gap	Reaction	5 sessions
Aug 10, 2026After close	After close	+3.9%	-3.4%	-8.4%
May 4, 2026After close	After close	-4.4%	-10.8%	-16.3%
Mar 9, 2026After close	After close	-0.4%	+8.2%	-5.3%

RPAY closed higher after 2 of its last 4 reports.

All 4 reports, and RPAY's Quality Score going into each

Everyone reporting earnings next week

RPAY sales and profit by year

Sales and profit by year

Sales grew in five of the last seven years, to $309M in 2025. It made a profit in two of the seven years.

RPAY's officers and directors

Officers and directors with a Form 4 in the last 12 months.

John Andrew Morris Sr.Chief Executive Officer
Shaler AliasPresident
Robert Scott HouserChief Financial Officer
Tyler B. DempseyGeneral Counsel · 5 trades
David M. GuthrieChief Technology Officer
Matthew Edward MorrowExecutive Vice President
Naomi BarnettExecutive Vice President
Richard Jason WatkinPresident, KUBRA

7 more officers and directors file at RPAY. Each page above names the rest.

See insider trades by person

Which ETFs hold RPAY?

In ETFs: RPAY is under 0.1% of VTI, the most of the 24 funds Breakaway covers, by their holdings as filed for Jun 30, 2026.

About Repay Holdings

Repay Holdings Corp is a payments technology company. It provides integrated payment processing solutions to industry-oriented vertical markets in which businesses or other organizations have specific transaction processing needs. It allows customers to pay through Mobile App, Text, Interactive Voice Response, Virtual Terminal, Hosted Payment Page and Online Customer Portal among others. It operates in two segments Consumer Payments and Business Payments. The company generates majority of its revenue from Consumer Payments segment.

486 employeesAtlanta, GArepay.com

What Repay Holdings says it competes with

“We compete with a variety of payment processing companies that have different business models, go-to-market strategies and technical capabilities.”

From its annual report, SEC filing · Mar 9, 2026

2 more sentences and what it says it does, for Pro membersGet in free →

RPAY's score card

Repay Holdings (RPAY): Quality Score 10, Average, #22 of 67 in Business Services, with its price, on Breakaway — The picture a link to this page shows when it is shared.

Pro members see every line of every stock's score.

What would move RPAY's score: 6 things
1 more filing explained, a plain line each
Real-⁠time prices, no delay

See RPAY's 14 chart checks

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Straight Answers

As of Nov 2, 2026: RPAY's Quality Score is 10 (Average), #22 of 67 in Services-Business Services.

Is RPAY a good stock to buy? What its Quality Score says

RPAY scores 10 today, which Breakaway calls Average. It is #22 of 67 in Services-⁠Business Services by Quality Score, with 9 of 14 chart checks firing. Down 79% over five years while the S&P 500 rose 76%. Breakaway does not say whether to buy any stock: the score does not know your situation, and it is not a recommendation to buy or sell anything. Please do your own research.

What is RPAY's Quality Score?

RPAY scores 10 today, which Breakaway calls Average (6 to 10). That is #22 of 67 in Services-⁠Business Services by Quality Score. The score adds up the chart checks, the trend, the company's filed sales, its profits, the news, insider trades, and Congress trades. The section above lists the lines behind RPAY's 10.

When does RPAY report earnings?

Reports Mon Nov 9, after the close, a date the company confirmed. RPAY closed higher after 2 of its last 4 reports. Past behavior, not a forecast.

Are the prices delayed?

Only on the public pages, which run at least 15 minutes behind. Pro members, and anyone on a guest pass, see real-time prices: the scanner refreshes every 15 seconds, and your watchlist every few seconds, pre-market and after hours included.