Repay Holdings Corp. (RPAY)
NASDAQInformation TechnologySoftware - InfrastructureSnapshot 2026-09-04
$3.880.00%
Close 2026-09-04 · 1-day change
NASDAQInformation TechnologySoftware - InfrastructureSnapshot 2026-09-04
QuarterlyIQ Insights · RPAY
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance sits below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -3.0% |
| Our one-year growth estimate | diamond | 59.1% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 62.1 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-09-04 · Compared with 68 industry peers · Company calendar date is not available
RPAY — debt issuance
Dated 2026-06-15
Entry into a Material Definitive Agreement. On June 12, 2026, Hawk Parent Holdings LLC (the “Borrower”), a subsidiary of Repay Holdings Corporation (the “Company”), entered into the First Amendment to Credit Agreement (the “Amendment”) to the Credit Agreement, dated as of June 1, 2026 (the “Credit Agreement”), among the Borrower, the Company, the guarantors party thereto, the lenders party thereto and Truist Bank, as administrative agent. The Amendment was entered into in connection with the…
Why it matters: Successful integration is important for getting the expected $15 million in yearly savings. This will help REPAY grow and make more money.
Supportive ifManagement says they will find at least $5 million in savings from the KUBRA deal by the end of 2026.
Worry ifIf integration problems happen, there will be no savings by the end of 2026.
Why it matters: This revenue range shows that KUBRA is integrating well. It also shows growth momentum.
Supportive ifManagement confirms the revenue outlook during the Q2 earnings call or in a press release.
Worry ifManagement cuts the revenue outlook to less than $490 million.
Why it matters: Earnings results will show how revenue grows and how margins perform.
Watch forQ2 earnings show revenue growth and margin improvement.
Also watch forQ2 earnings report shows declining revenue or margins.
Why it matters: Realized synergies will change REPAY's costs and profits. Good integration is important for growth.
Supportive ifREPAY achieves $8 million in run-rate synergies from KUBRA by the end of 2026.
Worry ifREPAY fails to realize at least $5 million in run-rate synergies by the end of 2026.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
A larger daily loss that occurred about once in every 20 trading days.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$211 on $10,000 · ±2.1% | How much price usually moves either way. |
| Bad day | $672 loss on $10,000 · 6.7% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $5,973 loss on $10,000 · 59.7% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: Executive changes can impact company strategy and investor confidence. A stable team is key for growth.
Watch forA new executive has been hired. They have a strong background in payments or technology.
Also watch forMore key executives are leaving. There are no clear replacements or strategy.
Why it matters: KUBRA's revenue is important for REPAY's 2026 goals. Strong results help growth plans.
Supportive ifKUBRA contributes more than $21 million in revenue for Q3.
Worry ifKUBRA contributes less than $15 million in revenue for Q3.
Why it matters: Organic growth over 10% shows management believes they can reach their 2026 goals.
Supportive ifOrganic revenue growth exceeds 10% year over year in Q3.
Worry ifOrganic revenue growth remains below 6% year over year in Q3.
Why it matters: This margin shows good cost control and better profits.
Supportive ifAdjusted EBITDA margin reaches 42% or higher in Q3.
Worry ifAdjusted EBITDA margin falls below 38% in Q3.
Why it matters: Meeting this target shows strong cash generation and supports long-term growth plans.
Supportive ifFree Cash Flow Conversion is reported at 30% or higher in Q3.
Worry ifFree Cash Flow Conversion drops below 25% in Q3.