OakChart

Repay Holdings Corp

RPAYTechnology·Software - Infrastructure·USA·Small·NASD·Nov 11 • 11:12 AM ET

4.01-0.10 (-2.44%)
2026-11-11 17:15 CET
Market cap
340.30 USD m
Revenue, TTM
413.48 USD m
Net income, TTM
-170.38 USD m
Free cash flow, TTM
87.17 USD m
EPS diluted, TTM
-2.07
P/E
-
Compare

Price

RPAY against its 20, 50 and 200-day averages
2050200miss
3.504.004.502.8M5.5MMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26RPAYclose 4.0120-day 4.3450-day 4.02200-day 3.614.0152w high

16.6% under the 52-week high of 4.81 on 5 Nov 2026. 52-week low 2.30 on 7 Apr 2026. Last 15 sessions, 33.8% high to low

Profile

RPAY
52-week range, 68% of the way up
2.304.80

Repay Holdings Corp. engages in the provision of integrated payment processing solutions to vertical markets that have specific and bespoke transactions. It offers payments, instant funding, active safe, AP automation, clearing and settlement, messaging management, STX mortgage transfer automation, virtual debit cards, and value-added services. The firm operates through the Consumer Payments and Business Payments segments. The Consumer Payments segment provides solutions such as debit and credit card processing, ACH processing and other electronic payment acceptance solutions. The Business Payments segment provides payment processing solutions, which includes accounts payable automation, debit and credit card processing, virtual credit card processing, ACH processing and other electronic payment acceptance solutions The company was founded by John Morris and Shaler A. Alias in 2006 and is headquartered in Atlanta, GA.

IndexRUT
Employees486
IPOJul 17, 2018
Beta1.91
ATR, 14d0.26
Rel volume1.27
Short float5.81%
Insider own22.95%
Inst own88.38%

Snapshot

6 groups

Valuation

IndexRUT
Market Cap353.18M
Enterprise Value1.02B
Income-170.38M
Sales413.48M
Book/sh5.65
Cash/sh1.10
Dividend Est.-
Dividend TTM-
Dividend Ex-Date-
Dividend Gr. 3/5Y- -
Payout-
Employees486
IPOJul 17, 2018

Ratios

P/E-
Forward P/E4.09
PEG0.24
P/S0.85
P/B0.71
P/C3.64
P/FCF4.05
EV/EBITDA8.24
EV/Sales2.48
Quick Ratio1.38
Current Ratio1.39
Debt/Eq1.65
LT Debt/Eq1.62
Option/ShortYes / Yes

Earnings

EPS (ttm)-2.07
EPS next Y0.98
EPS next Q0.23
EPS this Y10.33%
EPS next Y8.11%
EPS next 5Y17.05%
EPS past 3/5Y- -8.20%
Sales past 3/5Y3.46% 14.81%
EPS Y/Y TTM-51.47%
Sales Y/Y TTM33.84%
EPS Q/Q-43.89%
Sales Q/Q97.36%
EarningsNov 09 AMC
EPS/Sales Surpr.4.34% 0.94%

Ownership

Insider Own22.95%
Insider Trans-0.37%
Inst Own88.38%
Inst Trans-2.88%
ROA-11.61%
ROE-31.38%
ROIC-13.85%
Gross Margin42.19%
Oper. Margin2.10%
Profit Margin-41.20%
SMA20-7.66%
SMA50-0.33%
SMA20011.03%
Trades-

Technical

Shs Outstand82.93M
Shs Float63.87M
Short Float5.81%
Short Ratio8.43
Short Interest3.71M
52W High4.80 -16.65%
52W Low2.30 74.13%
Volatility8.07% 5.57%
ATR (14)0.26
RSI (14)43.27
Beta1.91
Rel Volume1.27
Avg Volume440.49K
Volume169,976

Performance

Perf Week-15.68%
Perf Month1.39%
Perf Quarter4.57%
Perf Half Y21.00%
Perf YTD9.73%
Perf Year5.67%
Perf 3Y-37.81%
Perf 5Y-80.00%
Perf 10Y-
Recom1.40
Target Price6.75
Prev Close4.11
Price4.01
Change %-2.44%

Analyst ratings

latest 10 of 15
DateActionAnalystRating changeTargetImplied
May 05, 2026DowngradeSStephensOverweight → Equal-Weight$3.75-6.4%
Feb 13, 2024InitiatedTThe Benchmark CompanyBuy$10+149.7%
Dec 05, 2023InitiatedBBMO Capital MarketsMarket Perform$9+124.7%
Oct 20, 2023InitiatedUUBSNeutral$8+99.8%
Sep 12, 2023InitiatedBBerenbergHold$9+124.7%
Nov 14, 2022InitiatedSStephensOverweight$9+124.7%
Aug 10, 2022DowngradeKKeefe BruyetteOutperform → Mkt Perform$21 → $13+224.6%
Aug 10, 2022DowngradeCCitigroupBuy → Neutral$19 → $13+224.6%
Jul 22, 2022DowngradeCCredit SuisseOutperform → Neutral$20 → $15+274.5%
Jan 26, 2022ReiteratedBBTIG ResearchBuy$31 → $24+499.3%

Peers

Mkt cap
TickerCompanyMkt cap
PRTHPriority Technology Holdings Inc652.07M
PSFEPaysafe Limited349.84M
PAYPaymentus Holdings Inc4.26B
FLYWFlywire Corp2.72B
EVTCEvertec Inc1.94B
FOURShift4 Payments Inc3.20B
CPAYCorpay Inc29.48B
GPNGlobal Payments Inc26.66B
MQMarqeta Inc1.89B
BILLBILL Holdings Inc4.65B

Insider trading

13 filings
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
Dempsey Tyler BGeneral CounselNov 04 '26Sale4.7525,000118,750416,251Nov 06 04:05 PM
Dempsey Tyler BOfficerNov 04 '26Proposed Sale4.7525,000118,768Nov 04 04:27 PM
Dempsey Tyler BGeneral CounselOct 13 '26Sale4.008,39233,568446,747Oct 15 04:31 PM
Dempsey Tyler BGeneral CounselOct 14 '26Sale4.004,88619,544441,861Oct 15 04:31 PM
Dempsey Tyler BGeneral CounselOct 15 '26Sale4.056102,470441,251Oct 15 04:31 PM
Dempsey Tyler BOfficerOct 15 '26Proposed Sale4.046102,467Oct 15 04:00 PM
Dempsey Tyler BOfficerOct 14 '26Proposed Sale4.004,88619,544Oct 14 04:39 PM
Dempsey Tyler BOfficerOct 13 '26Proposed Sale4.008,39233,579Oct 13 04:36 PM
Dempsey Tyler BGeneral CounselSep 17 '26Sale3.9125,00097,750466,251Sep 21 06:41 PM
Dempsey Tyler BGeneral CounselSep 21 '26Sale4.0011,11244,448455,139Sep 21 06:41 PM
Dempsey Tyler BOfficerSep 21 '26Proposed Sale4.0011,11244,448Sep 21 06:40 PM
Dempsey Tyler BOfficerSep 17 '26Proposed Sale3.9125,00097,867Sep 17 04:25 PM
THORNBURGH RICHARD EDirectorNov 17 '25Sale3.504,50015,750131,456Nov 19 05:28 PM

Held by

AUM
TickerCompanyAUM
IWMiShares Russell 2000 Index FundAUM: 77.38B
VTIVanguard Morningstar Total Stock Market ETFAUM: 687.42B
DFSVUS Small Cap Value Portfolio ETF Class Shares-
SOVFSovereigns Capital Flourish FundAUM: 89.57M
VXFVanguard Extended Market Index ETFAUM: 30.47B
IWNiShares Russell 2000 Value ETFAUM: 14.10B
DFATU.S. Targeted Value Portfolio-ETF Class Shares-
FESMFidelity Enhanced Small Cap Core ETFAUM: 6.82B
BSVOEA Bridgeway Omni Small-Cap Value ETFAUM: 2.44B
SCHASchwab U.S. Small-Cap ETFAUM: 22.25B

News

latest 14 of 206
  • Repay's Political-Media Windfall Props Up Guidance As Core Consumer Growth Stalls And The Normalized Outlook Is Cut (Earnings Whispers) -8.57%
  • Repay Holdings: Q3 Earnings Snapshot (Associated Press)
  • REPAY Reports Third Quarter 2026 Financial Results (Business Wire)
  • Repay's First Full Quarter With Kubra Puts Organic Growth Promise To The Test (Earnings Whispers)
  • REPAY to Announce Third Quarter 2026 Results on November 9, 2026 (Business Wire)
  • Loading…
  • REPAY Enables Embedded Payments for Emburse, Bringing Automation and Control to Spend (Business Wire)
  • REPAY to Host Investor Day on December 7, 2026 (Business Wire)
  • REPAY Appoints Charles Nabhan as New Head of Investor Relations (Business Wire)
  • REPAY Partners with NxtEdge by DiningEdge to Deliver Embedded AP Payments for Hospitality and Food & Beverage Operators (Business Wire)
  • REPAY Joins Visa Platform Connect, Granting ISO and ISV Clients Next-Generation Payment Infrastructure (Business Wire)
  • Repay Holdings Corp (RPAY) (Q2 2026) Earnings Call Highlights: Strong Revenue Growth and KUBRA ... (GuruFocus.com)
  • Repay Holdings: Q2 Earnings Snapshot (Associated Press)
  • REPAY Reports Second Quarter 2026 Financial Results (Business Wire)

Quarterly earnings

actual against estimate
PeriodReportedEPS actEPS estEPS repSales actSales estAnalysts
2026Q32026-11-090.2500.240-0.110153.4151.975
2026Q22026-08-100.2000.212-0.132100.71101.865
2026Q12026-05-040.2200.209-0.12180.7980.487
2025Q42026-03-090.1900.210-1.70678.5976.797
2025Q32025-11-100.2100.213-0.07877.7376.927
2025Q22025-08-110.2000.196-1.15375.6373.277
2025Q12025-05-120.2200.220-0.08977.3375.7211
2024Q42025-03-030.2400.248-0.04778.2782.3110
2024Q32024-11-120.2220.2250.03179.1578.9711
2024Q22024-08-080.2200.224-0.04474.9176.2811
2024Q12024-05-090.2300.223-0.05780.7278.8211
2023Q42024-02-290.2700.210-0.80475.9970.2711
2023Q32023-11-090.2100.214-0.06874.3269.9111
2023Q22023-08-090.1900.194-0.05271.7867.5110
2023Q12023-05-100.2000.198-0.29874.5069.9611
2022Q42023-03-010.2300.225-0.07572.6770.8411

Annual earnings

PeriodEPS actEPS estEPS repSales actSales est
2019FY0.6600.611-1.067165.8163.14
2020FY0.6000.530-2.024155.02152.31
2021FY0.8000.745-0.601219.26220.73
2022FY0.8300.8140.116279.23277.56
2023FY0.8800.805-1.227296.63290.84
2024FY0.9200.928-0.113313.04317.08
2025FY0.8200.838-3.000309.26307.56
2026FY-0.905--493.43
2027FY-0.978--618.38
2028FY-1.315--678.65

Estimate revisions

last 14 periods
PeriodTypeDateEstimatesUpDownMeanLowHigh
2026Q4S2026-11-10510158.39156.85160.12
2026Q4S2026-11-09501157.79157159.3
2026Q4S2026-11-01501157.79157159.3
2026Q4S2026-10-25511157.79157159.3
2026Q4S2026-10-21521157.79157159.3
2026Q4S2026-10-16520158.11157159.78
2026Q4S2026-10-15520158.11157159.78
2026Q4S2026-08-18520158.11157159.78
2026Q4S2026-08-16420157.81157159.78
2026Q4S2026-08-11430157.81157159.78
2026Q4S2026-07-29430156.68154.66158.37
2026Q4S2026-07-13440153.7144.3158.37
2026Q4S2026-06-30440153.7144.3158.37
2026Q4S2026-06-29440153.7144.3158.37

Estimate history

EPS, annual-0.327-1.067-2.024-0.6010.116-1.227-0.113-3.001-2.0706
Period201720182019202020212022202320242025TTM
EPS, quarterly0.031-0.047-0.089-1.153-0.078-1.706-0.121-0.132-0.112
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Sales, annual0130.013104.603155.036219.258279.227296.627313.042309.261413.48
Period201720182019202020212022202320242025TTM
Sales, quarterly79.14578.27177.32575.62677.72578.58580.794100.705153.398
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Shares, annual28.12532.2537.53171.24588.50388.27790.80488.23981.76382.932
Period201720182019202020212022202320242025MRQ
Shares, quarterly87.72188.23989.07384.62981.57181.76382.79982.89382.932
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26

Income statement, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Total Revenue413.48309.26313.04296.63279.23219.26155.04104.60130.01
Cost of Goods Sold Incl. D&A239.03179.29175.35173.56172.58145.18102.2555.8585.41
Gross Profit174.45129.97137.70123.07106.6574.0852.7848.7544.61
Selling, General and Administrative Excl. Other165.77130.16130.65124.82111.6097.9778.9057.5629.10
Other Operating Expense0.000.000.000.000.000.000.000.000.00
Operating Income8.69-0.197.05-1.75-4.95-23.89-26.12-8.8115.51
Interest Expense32.0413.957.871.054.383.6815.859.076.07
Unusual Expense168.57274.5820.94111.78-12.3250.1589.1641.04-1.10
Net Income Before Taxes-186.00-276.96-10.92-119.5314.91-86.73-129.72-60.2910.54
Income Taxes-5.76-5.87-0.57-2.126.17-30.69-12.36-4.990.00
Consolidated Net Income-180.24-271.09-10.35-117.428.74-56.04-117.37-55.3010.54
Net Income From Continuing Operations-170.38-256.72-10.16-110.4912.84-50.08-105.60-40.0310.54
Net Income-170.38-256.72-10.16-110.4912.84-50.08-105.60-40.0310.54
EPS (Recurring)-0.63-0.750.05-0.360.04-0.18-0.83-0.300.30
EPS (Basic, Before Extraordinaries)-2.07-3.00-0.11-1.230.14-0.60-2.02-1.070.33
EPS (Diluted)-2.07-3.00-0.11-1.230.12-0.60-2.02-1.070.33
EBITDA124.17101.86110.76102.10102.8065.8034.6921.1725.93
Non-Operating Income (Expense)5.9311.7610.85-4.9511.91-9.001.40-1.38-0.00
Other After Tax Adjustments0.000.000.000.000.000.000.000.000.00
Stock Option Compensation Expense18.4015.7021.7020.5018.2018.9018.9016.980.58
Price To Sales Ratio0.731.012.192.593.196.949.175.262.46
Gross Margin42.1942.0343.9941.4938.1933.7934.0546.6134.31
Operating Margin2.10-0.062.25-0.59-1.77-10.90-16.85-8.4211.93
Net Margin-41.20-83.01-3.24-37.254.60-22.84-68.11-38.278.10
Shares Outstanding82.9381.7688.2490.8088.2888.5071.2437.5332.25
Market Capitalization340.30340.30669.62808.39735.231,655.012,001.20918.55319.27

Income statement, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q22025Q12024Q4
Total Revenue153.40100.7080.7978.5877.7275.6377.3378.27
Cost of Goods Sold Incl. D&A90.5957.7244.8545.8745.5843.8843.9642.94
Gross Profit62.8042.9935.9532.7132.1531.7433.3735.33
Selling, General and Administrative Excl. Other56.3041.3533.8334.2933.4329.7532.6930.68
Other Operating Expense0.000.000.000.000.000.000.000.00
Operating Income6.511.642.12-1.58-1.282.000.674.65
Interest Expense15.557.983.844.673.083.093.113.17
Unusual Expense4.628.416.69148.856.30110.728.719.05
Net Income Before Taxes-13.22-14.19-8.00-150.58-8.43-109.33-8.62-4.38
Income Taxes-2.82-2.672.03-2.31-1.81-1.30-0.45-0.43
Consolidated Net Income-10.40-11.53-10.03-148.27-6.62-108.03-8.17-3.96
Net Income From Continuing Operations-9.34-10.99-9.94-140.11-6.41-102.25-7.95-4.12
Net Income-9.34-10.99-9.94-140.11-6.41-102.25-7.95-4.12
EPS (Recurring)-0.07-0.06-0.06-0.44-0.02-0.28-0.020.03
EPS (Basic, Before Extraordinaries)-0.11-0.13-0.12-1.71-0.08-1.15-0.09-0.05
EPS (Diluted)-0.11-0.13-0.12-1.71-0.08-1.15-0.09-0.05
EBITDA43.1929.2727.6624.0524.3627.4825.9729.03
Non-Operating Income (Expense)0.430.570.414.512.242.482.523.18
Other After Tax Adjustments0.000.000.000.000.000.000.000.00
Stock Option Compensation Expense5.504.803.904.205.403.003.105.70
Price To Sales Ratio0.731.040.690.971.401.381.602.15
Gross Margin40.9442.6944.4941.6341.3641.9743.1545.14
Operating Margin4.241.622.62-2.01-1.652.640.875.94
Net Margin-6.09-10.91-12.30-178.29-8.25-135.21-10.28-5.26
Shares Outstanding82.9382.8982.8081.7681.5784.6389.0788.24
Market Capitalization340.30347.76213.64297.78426.50430.05494.61669.62

Balance sheet, annual

Currency USD, millions
Metric2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY
Cash & Short Term Investments145.02225.18118.1064.8950.0591.1324.6213.290.03
Short Term Receivables36.3734.6537.4233.5433.2421.3114.635.980.00
Inventories0.000.000.000.000.000.000.000.000.00
Other Current Assets15.4415.4113.8118.2112.436.934.630.820.00
Total Current Assets196.83275.25169.32116.6595.71119.3743.8820.080.03
Net Property, Plant & Equipment10.1113.5311.1614.2214.3011.701.611.250.00
Total Investments and Advances10.6311.5326.0528.6726.2915.3713.289.980.00
Intangible Assets804.361,105.831,163.931,328.391,401.78828.20722.71187.750.00
Deferred Tax Assets176.81171.07160.09152.68152.97135.34---
Other Assets4.792.502.502.502.500.000.560.000.15
Total Assets1,203.531,579.701,533.051,643.111,693.551,109.98782.04219.060.18
Short Term Debt Incl. Current Port. of LT Debt148.031.231.632.261.998.295.504.900.16
Accounts Payable25.1828.9122.0321.7820.0811.889.592.910.00
Other Current Liabilities67.4572.1133.8058.0670.2745.2736.8712.840.00
Total Current Liabilities240.65102.2557.4682.1192.3565.4451.9620.650.16
Long Term Debt288.86507.29441.41459.61457.58258.79207.9489.320.00
Provision for Risks Charges187.24187.31188.33154.67221.33218.9960.840.000.00
Deferred Tax Liabilities3.787.7913.2116.317.710.000.77--
Other Liabilities1.231.901.842.111.5510.580.020.020.00
Total Liabilities721.75806.53702.26714.82780.52553.80321.53109.980.16
Non-Equity Reserves0.000.000.000.000.000.000.000.000.00
Preferred Stock - Carrying Value0.000.000.000.000.000.000.00109.080.00
Common Equity484.43761.27815.13894.56874.00509.31254.350.000.02
Total Shareholders Equity484.43761.27815.13894.56874.00509.31254.35109.080.02
Accumulated Minority Interest-2.6511.9015.6533.7339.0346.87206.160.000.00
Total Equity481.78773.17830.79928.29913.04556.18460.52109.080.02
Total Liabilities & Stockholders Equity1,203.531,579.701,533.051,643.111,693.551,109.98782.04219.060.18
Book Value Per Share5.928.638.9810.139.887.156.780.000.00
Tangible Book Value Per Share-3.91-3.90-3.84-4.91-5.96-4.48-12.48-5.820.00
Full-Time Employees4864655125795523542434-
Price to Book Ratio0.730.890.880.791.853.812.1663.8563.50
Return on Assets-18.45-0.65-6.960.77-3.57-11.16-7.669.61-
Return on Equity-41.22-1.29-12.931.45-7.24-27.66-15.7719.32-
Return on Invested Capital-33.20-0.80-8.790.95-3.76-13.75-8.665.31-26.71
Quick Ratio0.822.692.951.421.041.820.840.970.16
Current Ratio0.822.692.951.421.041.820.840.970.16

Cash flow, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Net Income-180.24-271.09-10.35-117.428.74-59.18-105.60-55.3010.54
Depreciation115.49102.05103.71103.86107.7589.6960.8129.9810.42
Other Funds (Non Cash)172.32276.5328.82117.69-47.6463.9085.7825.350.12
Funds from Operations101.31101.11119.70100.5373.0463.6828.63-4.9721.08
Extraordinary Item0.000.000.000.000.000.000.000.000.00
Changes in Working Capital-11.05-10.0030.393.081.18-10.35-0.1426.253.10
Cash from Operating Activities90.2691.11150.09103.6174.2253.3328.4921.2924.18
Capital Expenditures-87.33-41.98-44.85-64.36-39.54-23.51-24.27-7.92-5.80
Net Assets From Acquisitions-348.150.000.000.000.00-371.33-121.71-331.210.00
Sale of Fixed Assets and Businesses0.000.000.0040.270.000.000.000.000.00
Purchase or Sale of Investments0.000.000.000.000.00-2.500.000.000.00
Purchase of Investments0.000.000.000.000.00-2.500.000.000.00
Sale Or Maturity of Investments0.000.000.000.000.000.000.000.000.00
Other Uses0.000.000.000.000.000.000.000.000.00
Other Sources0.000.000.000.000.000.000.000.000.00
Cash from Investing Activities-435.48-41.98-44.85-24.09-39.54-397.34-145.98-339.13-5.80
Cash Dividends Paid0.000.000.000.000.000.000.000.000.00
Change in Capital Stock-0.14-38.55-41.15-2.53-10.00138.06159.99240.660.00
Repurchase of Common Pref Stock-0.14-38.55-41.54-2.53-10.00-4.04-436.71-43.210.00
Sale of Common Pref Stock0.000.000.400.000.00142.10596.70283.870.00
Proceedsfrom Stock Options0.000.000.000.000.00142.10509.90283.870.00
Issuance or Reduction of Debt, Net322.42-71.9833.53-20.000.00183.2941.85117.12-1.90
Change in Long Term Debt322.42-71.9833.53-20.000.00183.2941.85117.12-1.90
Issuance of Long Term Debt580.180.00277.870.000.00445.9558.56210.433.00
Reduction of Long Term Debt-257.76-71.98-244.34-20.000.00-262.65-16.71-93.31-4.90
Net Financing Active Other Cash Flow-14.36-19.66-5.06-6.42-7.46-7.51-15.75-7.09-6.31
Other Financing Activities Uses-14.36-19.66-5.06-6.42-7.46-7.51-15.75-7.09-6.31
Cash from Financing Activities307.91-130.19-12.67-28.94-17.46313.84186.10350.69-8.21
Net Change in Cash-37.31-81.0692.5650.5817.22-30.1668.6032.8510.17
Free Cash Flow87.1790.83149.10102.8871.0550.4727.4920.5823.26
Preferred Dividends (Cash Flow)-0.000.000.000.000.000.000.000.00
Price to Free Cash Flow3.473.444.607.4712.5430.1651.7226.7113.72
Deferred Taxes & Investment Tax Credit--6.37-2.49-3.594.19-30.73-12.36-4.990.00

Balance sheet, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Cash & Short Term Investments97.13119.3374.99145.02130.29196.41
Short Term Receivables79.0267.6139.6136.3736.0235.88
Inventories2.402.310.000.000.000.00
Other Current Assets24.8023.7316.4115.4413.9013.78
Total Current Assets203.35212.98131.01196.83180.20246.07
Net Property, Plant & Equipment19.8422.249.3910.1111.0711.83
Total Investments and Advances7.468.1211.8210.6311.6212.57
Intangible Assets1,212.011,212.33812.86804.36958.78972.84
Deferred Tax Assets154.47147.05171.00176.81166.96165.14
Other Assets5.085.164.734.794.854.92
Total Assets1,602.231,607.871,140.801,203.531,333.491,413.37
Short Term Debt Incl. Current Port. of LT Debt10.5810.561.46148.03147.87220.87
Accounts Payable50.0844.0923.9325.1822.9920.94
Other Current Liabilities85.4892.2447.8467.4551.4248.08
Total Current Liabilities146.14146.9073.23240.65222.28289.89
Long Term Debt761.12762.28398.82288.86288.69288.66
Provision for Risks Charges192.35194.35191.80187.24197.57192.95
Deferred Tax Liabilities38.0033.93-3.78--
Other Liabilities0.131.151.691.232.532.47
Total Liabilities1,137.741,138.61665.54721.75711.08773.97
Non-Equity Reserves0.000.000.000.000.000.00
Preferred Stock - Carrying Value0.000.000.000.000.000.00
Common Equity468.83472.54478.00484.43616.90633.70
Total Shareholders Equity468.83472.54478.00484.43616.90633.70
Accumulated Minority Interest-4.35-3.28-2.74-2.655.515.71
Total Equity464.49469.26475.26481.78622.41639.40
Total Liabilities & Stockholders Equity1,602.231,607.871,140.801,203.531,333.491,413.37
Book Value Per Share5.655.705.775.927.567.49
Tangible Book Value Per Share-8.96-8.92-4.04-3.91-4.19-4.01
Full-Time Employees---486--
Price to Book Ratio0.730.730.440.480.700.57
Return on Assets-11.61-11.08-19.33-18.45-8.33-7.57
Return on Equity-31.38-30.27-41.94-41.22-17.60-15.33
Return on Invested Capital-0.76-0.89-1.13-18.12-0.71-11.09
Quick Ratio1.381.431.790.820.810.85
Current Ratio1.391.451.790.820.810.85

Cash flow, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Net Income-10.40-11.53-10.03-148.27-6.62-108.03
Depreciation36.6827.6425.5425.6325.6425.48
Other Funds (Non Cash)5.569.2010.14147.429.52110.15
Funds from Operations29.0322.6327.6821.9626.7326.30
Extraordinary Item0.000.000.000.000.000.00
Changes in Working Capital-19.1517.61-10.861.355.506.76
Cash from Operating Activities9.8840.2416.8223.3232.2333.06
Capital Expenditures-30.97-12.87-33.95-9.54-11.44-10.46
Net Assets From Acquisitions0.00-348.150.000.000.000.00
Sale of Fixed Assets and Businesses0.000.000.000.000.000.00
Purchase or Sale of Investments0.000.000.000.000.000.00
Purchase of Investments0.000.000.000.000.000.00
Sale Or Maturity of Investments0.000.000.000.000.000.00
Other Uses0.000.000.000.000.000.00
Other Sources0.000.000.000.000.000.00
Cash from Investing Activities-30.97-361.02-33.95-9.54-11.44-10.46
Cash Dividends Paid0.000.000.000.000.000.00
Preferred Dividends (Cash Flow)0.000.000.000.000.000.00
Change in Capital Stock0.000.000.00-0.14-15.76-22.64
Repurchase of Common Pref Stock0.000.000.00-0.14-15.76-22.64
Sale of Common Pref Stock0.000.000.000.000.000.00
Proceedsfrom Stock Options0.000.000.000.000.000.00
Issuance or Reduction of Debt, Net-1.70360.63-36.510.00-71.980.00
Change in Long Term Debt-1.70360.63-36.510.00-71.980.00
Issuance of Long Term Debt-0.45470.63110.000.000.000.00
Reduction of Long Term Debt-1.25-110.00-146.510.00-71.980.00
Net Financing Active Other Cash Flow-0.060.79-15.210.11-0.12-0.17
Other Financing Activities Uses-0.060.79-15.210.11-0.12-0.17
Cash from Financing Activities-1.76361.42-51.72-0.04-87.86-22.81
Net Change in Cash-22.8540.64-68.8413.74-67.07-0.21
Free Cash Flow9.1938.0616.7023.2332.1033.13
Price to Free Cash Flow3.473.182.043.304.253.30

Revenue breakdown

United States2024: 313.04M 2025: 309.26M
Business Payments2024: 52.92M 2025: 48.41M
Consolidation, Policy2024: -20.85M 2025: -25.04M
Consumer Payments2024: 280.97M 2025: 285.88M

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-305.81%3.7M63.9M416.84K
2026-10-155.94%3.8M63.9M420.11K
2026-09-305.91%3.8M63.9M434.35K
2026-09-156.19%3.9M63.8M559.51K
2026-08-316.11%3.9M63.8M572.83K
2026-08-146.22%4.0M63.8M592.72K
2026-07-316.48%4.1M63.7M636.48K
2026-07-156.57%4.2M63.8M1.22M
2026-06-306.77%4.3M63.8M1.48M
2026-06-157.46%4.8M63.8M1.46M
2026-05-297.44%4.7M63.8M1.67M
2026-05-157.19%4.6M64.5M1.79M
2026-04-307.88%5.1M64.2M1.87M
2026-04-158.20%5.2M63.7M1.36M
2026-03-318.72%5.7M65.1M1.15M
2026-03-138.22%5.3M64.7M1.15M
2026-02-278.89%5.7M64.7M1.06M
2026-02-138.97%5.8M64.7M1.06M
2026-01-308.15%5.3M64.7M1.16M
2026-01-158.23%5.3M64.7M1.24M

Option chain

expiry 2026-11-20
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
call2.500.952.100.006.1900.000.000.836-0.0600.002
call5.000.000.700.154.06120.000.000.490-0.0570.003
call7.500.000.050.252.3123.000.000.081-0.0120.001
put2.500.000.700.056.9255.000.00-0.163-0.0600.002
put5.000.401.400.652.8921.000.00-0.510-0.0560.003
put7.502.904.200.005.9030.000.00-0.919-0.0120.001

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-11-0910-QQuarterly report pursuant to Section 13 or 15(d)2026-09-30SEC
2026-11-098-KCurrent report2026-11-09SEC
2026-11-064Statement of changes in beneficial ownership of securities2026-11-04SEC
2026-11-04144Filing for proposed sale of securities under Rule 144.SEC
2026-10-15144Filing for proposed sale of securities under Rule 144.SEC
2026-10-154Statement of changes in beneficial ownership of securities2026-10-13SEC
2026-10-14144Filing for proposed sale of securities under Rule 144.SEC
2026-10-13144Filing for proposed sale of securities under Rule 144.SEC
2026-09-21144Filing for proposed sale of securities under Rule 144.SEC
2026-09-214Statement of changes in beneficial ownership of securities2026-09-17SEC
2026-09-17144Filing for proposed sale of securities under Rule 144.SEC
2026-09-104Statement of changes in beneficial ownership of securities2026-09-08SEC
2026-08-178-K/A2026-06-01SEC
2026-08-14SCHEDULE 13GSEC
2026-08-13SCHEDULE 13G/ASEC
2026-08-1010-QQuarterly report pursuant to Section 13 or 15(d)2026-06-30SEC
2026-08-108-KCurrent report2026-08-10SEC
2026-08-044Statement of changes in beneficial ownership of securities2026-07-31SEC
2026-07-203Initial statement of beneficial ownership of securities2026-07-13SEC
2026-07-15SCHEDULE 13D/ASEC
2026-07-148-KCurrent report2026-07-13SEC
2026-06-29SCHEDULE 13D/ASEC
2026-06-16S-8Initial registration statement for securities to be offered to employees pursuant to employee benefit plansSEC
2026-06-16S-8Initial registration statement for securities to be offered to employees pursuant to employee benefit plansSEC
2026-06-16S-8Initial registration statement for securities to be offered to employees pursuant to employee benefit plansSEC
2026-06-158-KCurrent report2026-06-12SEC
2026-06-124Statement of changes in beneficial ownership of securities2026-06-10SEC
2026-06-128-KCurrent report2026-06-10SEC
2026-06-124Statement of changes in beneficial ownership of securities2026-06-10SEC
2026-06-124Statement of changes in beneficial ownership of securities2026-06-10SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-1100118.75K1
2026-100055.58K3
2026-0900142.20K2
2026-080000
2026-070000
2026-060000
2026-050000
2026-040000
2026-030000
2026-020000
2026-010000
2025-120000
2025-110015.75K1

Institutional holders

Manager% owned
Forager Capital Management, LLC13.41%
Veradace Capital Management LLC8.70%
PRIVATE MANAGEMENT GROUP INC7.80%
BlackRock, Inc.7.57%
AMERICAN CENTURY COMPANIES INC7.39%
AQR CAPITAL MANAGEMENT LLC5.43%
VANGUARD CAPITAL MANAGEMENT LLC3.72%
DIMENSIONAL FUND ADVISORS LP3.72%
Pacific Ridge Capital Partners, LLC2.71%
STATE STREET CORP2.37%

Funds

Fund% owned
ABSOLUTE CONVERTIBLE ARBITRAGE FUND11.35%
iShares Convertible Bond ETF7.67%
Small Cap Value Fund4.03%
VANGUARD TOTAL STOCK MARKET INDEX FUND2.68%
Fidelity Convertible Securities Fund2.42%
iShares Russell 2000 ETF2.19%
U.S. SMALL CAP VALUE PORTFOLIO1.12%
Fidelity Strategic Dividend and Income Fund1.03%
Sovereign's Capital Flourish Fund1.01%
Bridge Builder Small/Mid Cap Value Fund0.96%

OakChart. RPAY. Cached 15 minutes.