DA Davidson Reaffirms Buy Rating on Repay Holdings with $10 Price Target Intact

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.

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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.

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.

Integration Announcement: REPAY Holdings Corporation has announced a new integration with Yooz, enhancing accounting processes and e-invoicing workflows through advanced payment technology embedded in Yooz's accounts payable automation software.

Benefits of Collaboration: The partnership aims to improve cash flow visibility, financial agility, and payment security by transitioning organizations from paper checks to digital payments, ultimately streamlining AP processes and reducing accounting errors.