REPAY HOLDINGS CORP (RPAY) Stock Fundamental Analysis
NASDAQ:RPAY - Nasdaq - US76029L1008 - Common Stock - Currency: USD
Taking everything into account, RPAY scores 4 out of 10 in our fundamental rating. RPAY was compared to 101 industry peers in the Financial Services industry. While RPAY seems to be doing ok healthwise, there are quite some concerns on its profitability. RPAY is valued quite cheap, while showing a decent growth score. This is a good combination!
1. Profitability
1.1 Basic Checks
RPAY had positive earnings in the past year.
In the past year RPAY had a positive cash flow from operations.
In the past 5 years RPAY reported 4 times negative net income.
In the past 5 years RPAY always reported a positive cash flow from operatings.
1.2 Ratios
RPAY's Return On Assets of -0.65% is on the low side compared to the rest of the industry. RPAY is outperformed by 81.19% of its industry peers.
With a Return On Equity value of -1.33%, RPAY is not doing good in the industry: 80.20% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.65% | ||
| ROE | -1.33% | ||
| ROIC | N/A |
ROA(3y)-2.38%
ROA(5y)-3.92%
ROE(3y)-4.49%
ROE(5y)-7.98%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Gross Margin of RPAY (77.12%) is better than 84.16% of its industry peers.
RPAY's Gross Margin has been stable in the last couple of years.
RPAY does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 77.12% |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y1.07%
GM growth 5Y0.49%
2. Health
2.1 Basic Checks
RPAY does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for RPAY has been reduced compared to 1 year ago.
RPAY has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, RPAY has a worse debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of 0.44, we must say that RPAY is in the distress zone and has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 0.44, RPAY is in line with its industry, outperforming 47.52% of the companies in the same industry.
RPAY has a debt to FCF ratio of 4.72. This is a neutral value as RPAY would need 4.72 years to pay back of all of its debts.
The Debt to FCF ratio of RPAY (4.72) is better than 66.34% of its industry peers.
RPAY has a Debt/Equity ratio of 0.65. This is a neutral value indicating RPAY is somewhat dependend on debt financing.
RPAY has a Debt to Equity ratio (0.65) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.65 | ||
| Debt/FCF | 4.72 | ||
| Altman-Z | 0.44 |
ROIC/WACCN/A
WACC9.06%
2.3 Liquidity
A Current Ratio of 2.69 indicates that RPAY has no problem at all paying its short term obligations.
The Current ratio of RPAY (2.69) is better than 83.17% of its industry peers.
A Quick Ratio of 2.69 indicates that RPAY has no problem at all paying its short term obligations.
The Quick ratio of RPAY (2.69) is better than 84.16% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.69 | ||
| Quick Ratio | 2.69 |
3. Growth
3.1 Past
RPAY shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 5.75%.
The Earnings Per Share has been growing slightly by 3.49% on average over the past years.
RPAY shows a small growth in Revenue. In the last year, the Revenue has grown by 5.53%.
The Revenue has been growing by 24.51% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)5.75%
EPS 3Y3.49%
EPS 5YN/A
EPS Q2Q%-11.11%
Revenue 1Y (TTM)5.53%
Revenue growth 3Y12.6%
Revenue growth 5Y24.51%
Sales Q2Q%3%
3.2 Future
The Earnings Per Share is expected to grow by 7.74% on average over the next years.
The Revenue is expected to grow by 6.93% on average over the next years.
EPS Next Y7.65%
EPS Next 2Y7.74%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year0.47%
Revenue Next 2Y4.28%
Revenue Next 3Y6.93%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 6.38, the valuation of RPAY can be described as very cheap.
Based on the Price/Earnings ratio, RPAY is valued cheaply inside the industry as 88.12% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 29.35. RPAY is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 5.93, which indicates a rather cheap valuation of RPAY.
RPAY's Price/Forward Earnings ratio is rather cheap when compared to the industry. RPAY is cheaper than 89.11% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.10. RPAY is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.38 | ||
| Fwd PE | 5.93 |
4.2 Price Multiples
RPAY's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. RPAY is cheaper than 73.27% of the companies in the same industry.
RPAY's Price/Free Cash Flow ratio is rather cheap when compared to the industry. RPAY is cheaper than 91.09% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5.44 | ||
| EV/EBITDA | 9.17 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.83
PEG (5Y)N/A
EPS Next 2Y7.74%
EPS Next 3YN/A
5. Dividend
5.1 Amount
RPAY does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
5.87
-0.09 (-1.51%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners100.28%
Inst Owner Change3.41%
Ins Owners6.11%
Ins Owner Change6.7%
Market Cap572.27M
Analysts76.47
Price Target11.36 (93.53%)
Short Float %9.21%
Short Ratio13.81
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly Dividend0.03
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-2.44%
Min EPS beat(2)-5.01%
Max EPS beat(2)0.14%
EPS beat(4)2
Avg EPS beat(4)-1.89%
Min EPS beat(4)-5.01%
Max EPS beat(4)1.08%
EPS beat(8)3
Avg EPS beat(8)1.22%
EPS beat(12)5
Avg EPS beat(12)-0.34%
EPS beat(16)9
Avg EPS beat(16)4.49%
Revenue beat(2)0
Avg Revenue beat(2)-4.34%
Min Revenue beat(2)-6.77%
Max Revenue beat(2)-1.91%
Revenue beat(4)1
Avg Revenue beat(4)-2.95%
Min Revenue beat(4)-6.77%
Max Revenue beat(4)0.41%
Revenue beat(8)4
Avg Revenue beat(8)0.34%
Revenue beat(12)6
Avg Revenue beat(12)-0.06%
Revenue beat(16)9
Avg Revenue beat(16)0.43%
PT rev (1m)0%
PT rev (3m)-2.39%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.24%
EPS NY rev (1m)0%
EPS NY rev (3m)0.04%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.38 | ||
| Fwd PE | 5.93 | ||
| P/S | 1.83 | ||
| P/FCF | 5.44 | ||
| P/OCF | 3.81 | ||
| P/B | 0.75 | ||
| P/tB | N/A | ||
| EV/EBITDA | 9.17 |
EPS(TTM)0.92
EY15.67%
EPS(NY)0.99
Fwd EY16.87%
FCF(TTM)1.08
FCFY18.39%
OCF(TTM)1.54
OCFY26.23%
SpS3.21
BVpS7.81
TBVpS-3.53
PEG (NY)0.83
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.65% | ||
| ROE | -1.33% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 77.12% | ||
| FCFM | 33.62% |
ROA(3y)-2.38%
ROA(5y)-3.92%
ROE(3y)-4.49%
ROE(5y)-7.98%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y1.07%
GM growth 5Y0.49%
F-Score6
Asset Turnover0.2
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.65 | ||
| Debt/FCF | 4.72 | ||
| Debt/EBITDA | 5.18 | ||
| Cap/Depr | 43.25% | ||
| Cap/Sales | 14.33% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | 156.44% | ||
| Profit Quality | N/A | ||
| Current Ratio | 2.69 | ||
| Quick Ratio | 2.69 | ||
| Altman-Z | 0.44 |
F-Score6
WACC9.06%
ROIC/WACCN/A
Cap/Depr(3y)47.31%
Cap/Depr(5y)41.61%
Cap/Sales(3y)16.73%
Cap/Sales(5y)15.31%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)5.75%
EPS 3Y3.49%
EPS 5YN/A
EPS Q2Q%-11.11%
EPS Next Y7.65%
EPS Next 2Y7.74%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)5.53%
Revenue growth 3Y12.6%
Revenue growth 5Y24.51%
Sales Q2Q%3%
Revenue Next Year0.47%
Revenue Next 2Y4.28%
Revenue Next 3Y6.93%
Revenue Next 5YN/A
EBIT growth 1Y61.5%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year33187.5%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y168.1%
FCF growth 3Y52.25%
FCF growth 5Y51.08%
OCF growth 1Y44.85%
OCF growth 3Y41.19%
OCF growth 5Y47.79%