Repay (RPAY)
Embeds payment acceptance, vendor automation, and bill-payment workflows into vertical-market software.
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Offers Consumer Payments and Business Payments products for industries with specialized transaction needs, from consumer finance and healthcare to B2B and government. The model leans on software integrations, acquisition-built product breadth, and sponsor-bank access to card and ACH networks.
Provides integrated payment processing for vertical markets where clients need embedded acceptance, disbursement, and back-office payment workflows. Consumer Payments covers debit, credit, ACH, loan disbursement, and RCS clearing and settlement for personal loans, auto loans, receivables management, credit unions, mortgage servicing, healthcare, and retail.
Business Payments adds accounts payable automation, virtual card processing, ACH, and other acceptance tools for sectors including retail automotive, education, field services, governments, healthcare, media, HOA management, and hospitality. The current platform also includes Payment Acceptance, Vendor Payment Automation, Clearing and Settlement, Instant Funding, Messaging Management, and KUBRA bill-payment and customer-communication capabilities.
Operates from Atlanta with a U.S.-focused workforce and North American KUBRA exposure. The business depends on software integration partners, sponsor-bank relationships, card and ACH network rules, and evolving federal, state, and local payments regulation.
Company facts
Target rangeAs of Sep 21, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Jun 3, 2026 | DA Davidson | Reiterate | Rating: —Target: $9 | Target: $6 |
| Jun 3, 2026 | UBS | Reiterate | Rating: —Target: $3.75 | Target: $4.25 |
| May 7, 2026 | UBS | Reiterate | Rating: —Target: — | Target: $3.75 |
| May 5, 2026 | Stephens | Target | Target: — | Target: $3.75 |
| May 5, 2026 | Stephens & Co. | Downgrade |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $83.7M · Total debt $772.8M · Total assets $1.61B · Shareholders' equity $472.5M
- Revenue
- $100.7M
- Operating income
- −$3.3M
- Net income
- −$11.0M
No dividends on record.
| Institutions | 80.67% | 72.49M shares | |
|---|---|---|---|
| 143 holders · as of Jun 30, 2026 | |||
| Insiders | 22.73% | 20.43M shares | |
| 21 holders · as of Sep 21, 2026 | |||
| Adds to | 103.40% | ||
89.86M company shares as of Sep 22, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
These groups come from separate filings that can overlap, so they add to 103.40%; nothing is left for Other.
This company has 2 share classes; every stake here is a share of the whole company.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
Forager Capital Management, LLCInstitution | 12.36% | 11.11M A | as of Jun 30, 2026 |
Alexander VezendanInsider | 8.20% | 7.37M | filed Jun 4, 2026 |
John A. Morris, Sr.Insider | 8.12% | 7.30M | filed Mar 13, 2026 |
Veradace Capital Management LLCInstitution | 8.02% | 7.21M A | as of Jun 30, 2026 |
Private Management Group IncInstitution | 7.24% | 6.51M A | as of Jun 30, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Sep 21, 2026 | Tyler B. Dempsey | officer: General Counsel | −11,112 | $4.00 |
| Sep 17, 2026 | Tyler B. Dempsey | officer: General Counsel | −25,000 | $3.91 |
| Mar 25, 2026 | Forager Fund, L.P. | 10 percent owner | +349,558 | $2.92 |
| Mar 26, 2026 | Forager Fund, L.P. | 10 percent owner | +574,400 | $3.04 |
| Mar 27, 2026 | Forager Fund, L.P. | 10 percent owner | +361,716 | $3.05 |
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Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Repay | $3.84 | −2.34% | $346.2M | — | 4.0 | 1.0 | +33.2% |
| ACI Worldwide | $49.74 | +0.30% | $5.04B | 22.7 | 19.0 | 2.8 | +7.3% |
| Paymentus | $32.83 | −4.84% | $4.33B | 52.3 | 33.2 | 3.2 | +28.8% |
| Global Payments | $85.51 | +0.26% | $21.17B | — | 5.8 | 2.1 | +61.5% |
| Corpay | $392.81 | −1.11% | $25.96B | 24.2 | 13.4 | 5.2 | +21.5% |
| U.S. Bancorp | $59.68 | −1.27% | $94.15B | 12.1 | 11.0 | 2.2 | +10.6% |
| Median | 23.5 | 13.4 | 2.8 | +21.5% |