REPAY HOLDINGS CORP (RPAY)
US76029L1008 - Common Stock
We assign a fundamental rating of 4 out of 10 to RPAY. RPAY was compared to 99 industry peers in the Financial Services industry. While RPAY seems to be doing ok healthwise, there are quite some concerns on its profitability. A decent growth rate in combination with a cheap valuation! Better keep an eye on RPAY.
1. Profitability
1.1 Basic Checks
RPAY had positive earnings in the past year.
RPAY had a positive operating cash flow in the past year.
RPAY had negative earnings in 4 of the past 5 years.
In the past 5 years RPAY always reported a positive cash flow from operatings.
1.2 Ratios
RPAY has a Return On Assets of -5.07%. This is amonst the worse of the industry: RPAY underperforms 88.89% of its industry peers.
Looking at the Return On Equity, with a value of -10.51%, RPAY is doing worse than 81.82% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -5.07% | ||
| ROE | -10.51% | ||
| ROIC | N/A |
ROA(3y)-3.15%
ROA(5y)-5.21%
ROE(3y)-5.95%
ROE(5y)-12.07%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
RPAY has a Gross Margin of 77.36%. This is amongst the best in the industry. RPAY outperforms 83.84% 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 | 77.36% |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y1.44%
GM growth 5YN/A
2. Health
2.1 Basic Checks
RPAY does not have a ROIC to compare to the WACC, probably because it is not profitable.
RPAY has more shares outstanding than it did 1 year ago.
The number of shares outstanding for RPAY has been increased compared to 5 years ago.
The debt/assets ratio for RPAY is higher compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 0.54, we must say that RPAY is in the distress zone and has some risk of bankruptcy.
RPAY has a Altman-Z score (0.54) which is comparable to the rest of the industry.
The Debt to FCF ratio of RPAY is 5.51, which is a neutral value as it means it would take RPAY, 5.51 years of fcf income to pay off all of its debts.
RPAY's Debt to FCF ratio of 5.51 is fine compared to the rest of the industry. RPAY outperforms 62.63% of its industry peers.
A Debt/Equity ratio of 0.66 indicates that RPAY is somewhat dependend on debt financing.
With a Debt to Equity ratio value of 0.66, RPAY perfoms like the industry average, outperforming 48.48% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.66 | ||
| Debt/FCF | 5.51 | ||
| Altman-Z | 0.54 |
ROIC/WACCN/A
WACC6.37%
2.3 Liquidity
A Current Ratio of 2.70 indicates that RPAY has no problem at all paying its short term obligations.
The Current ratio of RPAY (2.70) is better than 82.83% of its industry peers.
A Quick Ratio of 2.70 indicates that RPAY has no problem at all paying its short term obligations.
RPAY has a better Quick ratio (2.70) than 83.84% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.7 | ||
| Quick Ratio | 2.7 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 14.46% over the past year.
Measured over the past years, RPAY shows a quite strong growth in Earnings Per Share. The EPS has been growing by 13.19% on average per year.
RPAY shows a small growth in Revenue. In the last year, the Revenue has grown by 5.95%.
RPAY shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 24.15% yearly.
EPS 1Y (TTM)14.46%
EPS 3Y13.19%
EPS 5YN/A
EPS Q2Q%9.52%
Revenue 1Y (TTM)5.95%
Revenue growth 3Y24.15%
Revenue growth 5YN/A
Sales Q2Q%10.54%
3.2 Future
Based on estimates for the next years, RPAY will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.09% on average per year.
The Revenue is expected to grow by 7.54% on average over the next years.
EPS Next Y8.37%
EPS Next 2Y7.59%
EPS Next 3Y8.09%
EPS Next 5YN/A
Revenue Next Year9.02%
Revenue Next 2Y7.54%
Revenue Next 3Y7.54%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 8.19, which indicates a very decent valuation of RPAY.
76.77% of the companies in the same industry are more expensive than RPAY, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of RPAY to the average of the S&P500 Index (27.73), we can say RPAY is valued rather cheaply.
A Price/Forward Earnings ratio of 7.73 indicates a rather cheap valuation of RPAY.
RPAY's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. RPAY is cheaper than 75.76% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.83. RPAY is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.19 | ||
| Fwd PE | 7.73 |
4.2 Price Multiples
70.71% of the companies in the same industry are more expensive than RPAY, based on the Enterprise Value to EBITDA ratio.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of RPAY indicates a rather cheap valuation: RPAY is cheaper than 82.83% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.08 | ||
| EV/EBITDA | 11.01 |
4.3 Compensation for Growth
RPAY's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.98
PEG (5Y)N/A
EPS Next 2Y7.59%
EPS Next 3Y8.09%
5. Dividend
5.1 Amount
No dividends for RPAY!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
REPAY HOLDINGS CORP
NASDAQ:RPAY (12/20/2024, 8:00:01 PM)
After market: 7.78 0 (0%)7.78
-0.11 (-1.39%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners90.43%
Inst Owner Change3.18%
Ins Owners6.04%
Ins Owner Change-1.84%
Market Cap727.59M
Analysts76.47
Price Target11.64 (49.61%)
Short Float %8.92%
Short Ratio10.44
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
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)-1.81%
Min EPS beat(2)-3.75%
Max EPS beat(2)0.14%
EPS beat(4)3
Avg EPS beat(4)5.99%
Min EPS beat(4)-3.75%
Max EPS beat(4)26.49%
EPS beat(8)4
Avg EPS beat(8)1.91%
EPS beat(12)6
Avg EPS beat(12)3.39%
EPS beat(16)10
Avg EPS beat(16)8.31%
Revenue beat(2)0
Avg Revenue beat(2)-2.71%
Min Revenue beat(2)-3.51%
Max Revenue beat(2)-1.91%
Revenue beat(4)2
Avg Revenue beat(4)0.19%
Min Revenue beat(4)-3.51%
Max Revenue beat(4)5.78%
Revenue beat(8)5
Avg Revenue beat(8)1.25%
Revenue beat(12)6
Avg Revenue beat(12)0.17%
Revenue beat(16)10
Avg Revenue beat(16)1.16%
PT rev (1m)-1.95%
PT rev (3m)-3.46%
EPS NQ rev (1m)-3.72%
EPS NQ rev (3m)-3.72%
EPS NY rev (1m)-0.62%
EPS NY rev (3m)-0.72%
Revenue NQ rev (1m)-0.7%
Revenue NQ rev (3m)-0.7%
Revenue NY rev (1m)-0.17%
Revenue NY rev (3m)-0.2%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.19 | ||
| Fwd PE | 7.73 | ||
| P/S | 2.34 | ||
| P/FCF | 8.08 | ||
| P/OCF | 4.83 | ||
| P/B | 0.96 | ||
| P/tB | N/A | ||
| EV/EBITDA | 11.01 |
EPS(TTM)0.95
EY12.21%
EPS(NY)1.01
Fwd EY12.94%
FCF(TTM)0.96
FCFY12.37%
OCF(TTM)1.61
OCFY20.71%
SpS3.32
BVpS8.07
TBVpS-3.9
PEG (NY)0.98
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -5.07% | ||
| ROE | -10.51% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 77.36% | ||
| FCFM | 28.97% |
ROA(3y)-3.15%
ROA(5y)-5.21%
ROE(3y)-5.95%
ROE(5y)-12.07%
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 3Y1.44%
GM growth 5YN/A
F-Score5
Asset Turnover0.2
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.66 | ||
| Debt/FCF | 5.51 | ||
| Debt/EBITDA | 5.13 | ||
| Cap/Depr | 58.33% | ||
| Cap/Sales | 19.53% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | 155.73% | ||
| Profit Quality | N/A | ||
| Current Ratio | 2.7 | ||
| Quick Ratio | 2.7 | ||
| Altman-Z | 0.54 |
F-Score5
WACC6.37%
ROIC/WACCN/A
Cap/Depr(3y)41.63%
Cap/Depr(5y)38.24%
Cap/Sales(3y)15.53%
Cap/Sales(5y)13.96%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)14.46%
EPS 3Y13.19%
EPS 5YN/A
EPS Q2Q%9.52%
EPS Next Y8.37%
EPS Next 2Y7.59%
EPS Next 3Y8.09%
EPS Next 5YN/A
Revenue 1Y (TTM)5.95%
Revenue growth 3Y24.15%
Revenue growth 5YN/A
Sales Q2Q%10.54%
Revenue Next Year9.02%
Revenue Next 2Y7.54%
Revenue Next 3Y7.54%
Revenue Next 5YN/A
EBIT growth 1Y75.56%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year568.2%
EBIT Next 3Y94.57%
EBIT Next 5YN/A
FCF growth 1Y132.61%
FCF growth 3Y110.31%
FCF growth 5YN/A
OCF growth 1Y102.99%
OCF growth 3Y53.78%
OCF growth 5YN/A