The Analyst Verdict: Repay Holdings In The Eyes Of 5 Experts
Analyst Ratings Overview: Five analysts have provided mixed ratings for Repay Holdings, with one bullish and four indifferent ratings in the last 30 days, reflecting a shift in sentiment compared to previous months. The average price target is $6.2, down from $6.80.
Financial Performance Insights: Repay Holdings shows lower market capitalization and profitability metrics, including a net margin of -135.21% and an ROE of -14.72%, indicating challenges in financial efficiency and cost control despite a positive revenue growth rate of 0.96%.
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REPAY Recognized for Third Consecutive Year
- Best Gateway Uptime: REPAY secured first place for Best Gateway Uptime in the 2026 Real Transaction Metrics Awards, indicating exceptional availability across 35 global locations, thereby enhancing client trust in its payment solutions.
- Ongoing Infrastructure Investment: CTO David Guthrie stated that REPAY's continuous investment in gateway infrastructure ensures strong performance for clients during critical times, thereby improving payment reliability for merchants and minimizing potential revenue losses.
- Track Record of Excellence: In 2025, REPAY achieved first place for Highest Authorization Rate for the second consecutive year and was the runner-up for Best Gateway Uptime, showcasing its sustained leadership and excellence in the payments industry.
- Importance of Global Monitoring: TSG's Product Manager Mike Trilli emphasized that gateway uptime is crucial in today's fast-paced business environment, and REPAY's consistent performance across global monitoring locations provides merchants with a stable payment experience, reducing customer frustration.
Are Options Traders Wagering on a Significant Shift in Repay Stock?
Implied Volatility in Options Market: Repay Holdings Corporation (RPAY) has seen significant implied volatility in its Dec 19, 2025 $2.50 Call option, indicating that investors expect a major price movement, potentially due to an upcoming event.
Current Company Outlook: Repay is currently rated as a Zacks Rank #4 (Sell) in the Financial Transaction Services industry, with a consensus estimate for the current quarter decreasing from 23 cents to 22 cents per share over the last 60 days.
Options Trading Strategy: The high implied volatility suggests that options traders may be looking to sell premium, hoping that the stock does not move as much as anticipated by expiration, which is a common strategy among seasoned traders.
Investment Recommendations: Zacks Investment Research has highlighted their top stock recommendations, including one that could significantly outperform previous picks, emphasizing the potential for high returns and reduced risk in their trading approach.
UBS Keeps Neutral Rating on Repay Holdings and Reduces Price Target to $4
Real-time Intelligence: Benzinga Pro offers the fastest news alerts for traders to stay updated on market movements.
Exclusive Content: Subscribers gain access to unique stories and insights generated by Benzinga reporters.
Community of Traders: Over 10,000 serious traders are part of the Benzinga Pro community, enhancing their trading strategies.
Market Winning Tools: The platform provides essential tools and information to help traders succeed in the stock market.
DA Davidson Reaffirms Buy Rating on Repay Holdings with $10 Price Target Intact
Real-time Intelligence: Benzinga Pro offers the fastest news alerts for traders, helping them stay informed and make timely decisions in the stock market.
Exclusive Content: The platform provides exclusive stories and insights generated by Benzinga reporters, enhancing the trading experience for its users.
Community Engagement: Over 10,000 serious traders are part of the Benzinga Pro community, indicating a robust network for sharing market intelligence.
Market Success: Traders utilize Benzinga Pro's resources to gain an edge in the markets, aiming for successful trading outcomes.
Repay Holdings (RPAY) Surpasses Q3 Earnings and Revenue Projections
Earnings Performance: Repay Holdings (RPAY) reported quarterly earnings of $0.21 per share, exceeding the Zacks Consensus Estimate of $0.20, but down from $0.23 per share a year ago. The company has surpassed consensus EPS estimates only once in the last four quarters.
Revenue Insights: The company generated revenues of $77.73 million for the quarter, slightly above the Zacks Consensus Estimate, but lower than the previous year's $79.14 million. Repay Holdings has topped revenue estimates twice in the last four quarters.
Stock Outlook: Repay Holdings shares have declined by 50.2% year-to-date, contrasting with the S&P 500's 14.4% gain. The stock currently holds a Zacks Rank #3 (Hold), indicating expected performance in line with the market.
Industry Context: The Financial Transaction Services industry, to which Repay belongs, is currently ranked in the bottom 35% of Zacks industries, suggesting potential challenges ahead. Another industry player, Nayax (NYAX), is set to report earnings soon, with expectations of significant growth.
OppFi Inc. (OPFI) Exceeds Expectations with Q3 Earnings and Revenue
Earnings Performance: OppFi Inc. (OPFI) reported quarterly earnings of $0.46 per share, exceeding the Zacks Consensus Estimate of $0.31, marking a 48.39% earnings surprise and surpassing estimates for four consecutive quarters.
Revenue Growth: The company generated revenues of $155.09 million for the quarter, surpassing the consensus estimate by 1.67% and showing an increase from $136.59 million year-over-year, also exceeding revenue estimates for the past four quarters.
Stock Outlook: Despite a strong performance with a 30.4% increase in shares this year, the stock holds a Zacks Rank #3 (Hold), indicating expected performance in line with the market, influenced by mixed earnings estimate revisions.
Industry Context: The Financial Transaction Services industry, where OppFi operates, is currently ranked in the bottom 43% of Zacks industries, which may impact stock performance, while Repay Holdings (RPAY) is set to report its earnings soon.
REPAY Recognized for Third Consecutive Year
- Best Gateway Uptime: REPAY secured first place for Best Gateway Uptime in the 2026 Real Transaction Metrics Awards, indicating exceptional availability across 35 global locations, thereby enhancing client trust in its payment solutions.
- Ongoing Infrastructure Investment: CTO David Guthrie stated that REPAY's continuous investment in gateway infrastructure ensures strong performance for clients during critical times, thereby improving payment reliability for merchants and minimizing potential revenue losses.
- Track Record of Excellence: In 2025, REPAY achieved first place for Highest Authorization Rate for the second consecutive year and was the runner-up for Best Gateway Uptime, showcasing its sustained leadership and excellence in the payments industry.
- Importance of Global Monitoring: TSG's Product Manager Mike Trilli emphasized that gateway uptime is crucial in today's fast-paced business environment, and REPAY's consistent performance across global monitoring locations provides merchants with a stable payment experience, reducing customer frustration.
Are Options Traders Wagering on a Significant Shift in Repay Stock?
Implied Volatility in Options Market: Repay Holdings Corporation (RPAY) has seen significant implied volatility in its Dec 19, 2025 $2.50 Call option, indicating that investors expect a major price movement, potentially due to an upcoming event.
Current Company Outlook: Repay is currently rated as a Zacks Rank #4 (Sell) in the Financial Transaction Services industry, with a consensus estimate for the current quarter decreasing from 23 cents to 22 cents per share over the last 60 days.
Options Trading Strategy: The high implied volatility suggests that options traders may be looking to sell premium, hoping that the stock does not move as much as anticipated by expiration, which is a common strategy among seasoned traders.
Investment Recommendations: Zacks Investment Research has highlighted their top stock recommendations, including one that could significantly outperform previous picks, emphasizing the potential for high returns and reduced risk in their trading approach.
UBS Keeps Neutral Rating on Repay Holdings and Reduces Price Target to $4
Real-time Intelligence: Benzinga Pro offers the fastest news alerts for traders to stay updated on market movements.
Exclusive Content: Subscribers gain access to unique stories and insights generated by Benzinga reporters.
Community of Traders: Over 10,000 serious traders are part of the Benzinga Pro community, enhancing their trading strategies.
Market Winning Tools: The platform provides essential tools and information to help traders succeed in the stock market.
DA Davidson Reaffirms Buy Rating on Repay Holdings with $10 Price Target Intact
Real-time Intelligence: Benzinga Pro offers the fastest news alerts for traders, helping them stay informed and make timely decisions in the stock market.
Exclusive Content: The platform provides exclusive stories and insights generated by Benzinga reporters, enhancing the trading experience for its users.
Community Engagement: Over 10,000 serious traders are part of the Benzinga Pro community, indicating a robust network for sharing market intelligence.
Market Success: Traders utilize Benzinga Pro's resources to gain an edge in the markets, aiming for successful trading outcomes.
Repay Holdings (RPAY) Surpasses Q3 Earnings and Revenue Projections
Earnings Performance: Repay Holdings (RPAY) reported quarterly earnings of $0.21 per share, exceeding the Zacks Consensus Estimate of $0.20, but down from $0.23 per share a year ago. The company has surpassed consensus EPS estimates only once in the last four quarters.
Revenue Insights: The company generated revenues of $77.73 million for the quarter, slightly above the Zacks Consensus Estimate, but lower than the previous year's $79.14 million. Repay Holdings has topped revenue estimates twice in the last four quarters.
Stock Outlook: Repay Holdings shares have declined by 50.2% year-to-date, contrasting with the S&P 500's 14.4% gain. The stock currently holds a Zacks Rank #3 (Hold), indicating expected performance in line with the market.
Industry Context: The Financial Transaction Services industry, to which Repay belongs, is currently ranked in the bottom 35% of Zacks industries, suggesting potential challenges ahead. Another industry player, Nayax (NYAX), is set to report earnings soon, with expectations of significant growth.
OppFi Inc. (OPFI) Exceeds Expectations with Q3 Earnings and Revenue
Earnings Performance: OppFi Inc. (OPFI) reported quarterly earnings of $0.46 per share, exceeding the Zacks Consensus Estimate of $0.31, marking a 48.39% earnings surprise and surpassing estimates for four consecutive quarters.
Revenue Growth: The company generated revenues of $155.09 million for the quarter, surpassing the consensus estimate by 1.67% and showing an increase from $136.59 million year-over-year, also exceeding revenue estimates for the past four quarters.
Stock Outlook: Despite a strong performance with a 30.4% increase in shares this year, the stock holds a Zacks Rank #3 (Hold), indicating expected performance in line with the market, influenced by mixed earnings estimate revisions.
Industry Context: The Financial Transaction Services industry, where OppFi operates, is currently ranked in the bottom 43% of Zacks industries, which may impact stock performance, while Repay Holdings (RPAY) is set to report its earnings soon.
