RPAY — Repay Holdings Corp

Founder-Led

Stock analysis, trade plans, and proprietary indicators by Trend Edge.

About Repay Holdings Corp

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 wal… Read full Trend Edge analysis →

Trend Edge Proprietary Indicators

Key Metrics

Current Price$3.75
Market Cap$292M
Float46.5M
Shares Outstanding82.8M
P/E (Forward)3.77
Price/Sales (TTM)0.93
vs. Analyst Target+56.2% to analyst PT
Profit Margin-82.73%
Operating Margin (TTM)-0.01%
Revenue (TTM)$313M
Dividend RateNone
Analyst Target Price$5.86 (11 analysts)

Financial History

Annual Revenue & Earnings History

YearRevenueNet IncomeGross ProfitEBITDA
2020 $155M -$106M $114M $26.3M
2021 $219M -$50.1M $164M $35.3M
2022 $279M $12.8M $214M $127M
2023 $297M -$110M $227M $58.5M
2024 $313M -$10.2M $241M $101M
2025 $309M -$257M $232M -$161M

Recent Quarterly Revenue & Net Income

QuarterRevenueNet Income
Jun 2025 $75.6M -$102M
Sep 2025 $77.7M -$6.4M
Dec 2025 $78.6M -$140M
Mar 2026 $80.8M -$9.9M

Ownership & Float

Insider Ownership10.8%
Institutional Ownership103.8%
Short Float10.9%
% of All Funds Holding1.61%
Number of Funds Holding132

Current Moving Averages

Trend Edge tracks near-term, medium-term, cyclical, and secular moving averages across weekly and monthly timeframes to identify trend structure at every horizon.

TimeframeSMAValueTrend Context
Weekly10-Week SMA$3.45Near-term / short-term trend
Weekly40-Week SMA$3.84Medium-term trend
Weekly80-Week SMA$4.89Cyclical trend (business cycle)
Weekly200-Week SMA$6.93Secular trend (multi-year)
Monthly10-Month SMA$3.88Near-term monthly trend
Monthly20-Month SMA$5.06Medium-term monthly trend
Monthly40-Month SMA$6.70Secular monthly trend

Volume Shelves — Support & Resistance

Trend Edge identifies volume shelves: price zones where historically elevated trading volume creates structural support or resistance. A volume shelf forms when a disproportionate share of cumulative volume was transacted at a specific price level, making it a high-conviction anchor for future price reactions.

Price LevelTypeVolume RatioAge
$2.70 support 2.20x 0 months ago
$4.20 resistance 1.10x 5 months ago
$5.10 resistance 1.02x 6 months ago
$9.60 resistance 1.58x 20 months ago

Historical Earnings Reactions (32 events)

TimeframeAvg ReturnMedianWin RateBestWorst
Gap 0.98% -0.19% 46.88% 33.56% -19.58%
1 Day 1.77% 0.30% 53.13% 50.68% -20.85%
1 Week 1.34% 0.46% 53.13% 79.68% -24.40%
2 Weeks 2.84% 0.71% 53.13% 89.27% -22.39%
1 Month 4.31% 1.24% 61.29% 81.05% -33.81%

Next earnings: July 23, 2026 (56 days away)

Seasonality & Day-of-Week Patterns

Monthly Seasonality

MonthAvg ReturnWin RateSamples
Jan0.3%37.5%8
Feb-3.2%37.5%8
Mar-6.3%25.0%8
Apr2.3%37.5%8
May5.8%57.1%7
Jun6.8%85.7%7
Jul1.3%71.4%7
Aug0.6%62.5%8
Sep-7.4%25.0%8
Oct-8.4%25.0%8
Nov4.9%75.0%8
Dec5.0%75.0%8

Day-of-Week Tendencies

DayAvg ReturnWin RateSamples
Monday -0.01% 48.4% 370
Tuesday 0.11% 47.8% 406
Wednesday -0.07% 46.8% 404
Thursday -0.11% 44.9% 396
Friday 0.11% 46.6% 397

Top Institutional Holders

Institutional holder breakdown coming soon.

Total institutional ownership: 103.8%

Insider Transactions — Smart Summary

Total insider ownership: 10.8%

Founder-led management: John Morris (Chief Executive Officer, Co-Founder & Director), Shaler Alias (President, Co-Founder & Director)

12-Month Insider Activity Summary

Total Filings6
Net Value-$155,407.65
Net Shares Change-30,885
% of Float-0.1%
C-Suite Filings1
Clusters Detected0

Key Insiders

NameTitleNet ValueFilingsActivity
Moore Jacob Hamilton Executive Vice President -$155,407.65 1 1 sell
THORNBURGH RICHARD E -$15,750 1 1 sell
Forager Fund, L.P. -$16.845 4 1 buy

Significant Filings

DateInsiderTitleNet ValuePrice After
2026-04-10 Forager Fund, L.P. +$6.6M Transaction at $2.65, now +41.4%
2025-09-16 Moore Jacob Hamilton Executive Vice President -$155,407.65 Transaction at $5.89, now -36.3%
2025-11-19 THORNBURGH RICHARD E -$15,750 Transaction at $3.50, now +7.1%
2026-04-09 Forager Fund, L.P. -$2.3M Transaction at $2.52, now +48.7%
2026-04-03 Forager Fund, L.P. -$2.4M Transaction at $2.54, now +47.9%
2026-03-27 Forager Fund, L.P. -$1.9M Transaction at $3.01, now +24.6%

View full insider transaction history on Trend Edge →

AI Consult Analysis

Trend Edge's AI Consult feature delivers a comprehensive, multi-layer trade plan for Repay Holdings Corp (RPAY) powered by Claude Opus — Anthropic's most capable AI model. The analysis covers five layers: technical analysis (near-term, medium-term, cyclical, and secular trend, momentum, volume shelf support and resistance, breakout and breakdown signals), qualitative analysis (business model, competitive moat, sector dynamics), insider sentiment (buy and sell signals from executive and director transactions), share stats analysis (institutional accumulation, fund positioning, short float squeeze potential), and fundamental analysis (valuation, revenue growth, profit margin, earnings quality).

AI Consult synthesizes all five layers into a single bullish or bearish thesis with explicit entry, exit, stop loss, and take profit levels — giving you a complete, AI-powered trade plan with defined risk/reward. Whether you are building a long position, initiating a short, or looking for a reversal setup, AI Consult identifies the highest-probability signal from the current trend.

Get the full AI Consult analysis for RPAY on Trend Edge →