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Repay Holdings Corporation, a payments technology company, provides integrated payment processing solutions that enables consumers and businesses to make payments using electronic payment methods in the United States. It operates through two segments: Consumer Payments and Business Payments. The company offers payment acceptance solutions, such as debit and credit card processing, automated clearing house (ACH) processing, e-cash, and digital wallet services; virtual credit card processing, enhanced ACH processing, instant funding, clearing and settlement, and communication solutions; and proprietary payment channels that include Web-based, mobile application, text-to-pay, interactive voice response, and point of sale services. It serves customers primarily operating in the personal loans, automotive loans, receivables management, and business-to-business verticals through direct sales representatives and software integration partners. The company was founded in 2006 and is headquartered in Atlanta, Georgia.
Strategic Pivot | Delve into Repay Holdings' strategic review, aimed at addressing challenges and enhancing performance in key verticals amid macroeconomic headwinds |
Financial Landscape | Explore RPAY's mixed financial results, including impressive gross margins and improved free cash flow conversion, despite recent misses in earnings expectations |
Market Dynamics | Uncover how Repay navigates niche markets, leveraging political media spending while facing intense competition in the evolving fintech space |
Future Trajectory | Analyst price targets range from $7.50 to $13.00, with potential for growth in political advertising and other niche markets balancing ongoing sector-specific challenges |
Metrics to compare | RPAY | Sector Sector - Average of metrics from a broad group of related Industrials sector companies | Relationship RelationshipRPAYPeersSector | |
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P/E Ratio | −33.4x | 20.7x | 9.5x | |
PEG Ratio | −0.40 | 0.24 | 0.03 | |
Price/Book | 0.6x | 1.8x | 1.0x | |
Price / LTM Sales | 1.4x | 2.6x | 2.8x | |
Upside (Analyst Target) | 44.9% | 33.1% | 14.3% | |
Fair Value Upside | Unlock | 14.8% | 2.8% | Unlock |