Repay Holdings Corp. (RPAY) intrinsic value & 10-year financials
Repay Holdings Corp. (RPAY) has a Graham intrinsic value of $3.99 per share. At $4.03 on Oct 17, 2026, the stock trades 1% above that value. Over the last 9 fiscal years revenue grew 16.1% a year to $309.3M, with an average return on invested capital of 779.3%.
- Graham intrinsic value
- $3.99
- Share price (Oct 17, 2026)
- $4.03
- Price vs Graham value
- 1% above
- Market cap
- $344.8B
- Revenue (FY2025)
- $309.3M
- Revenue growth (9-yr CAGR)
- 16.1%
- ROIC (10-yr avg)
- 779.3%
- Free cash flow (FY2025)
- $90.8M
RPAY 10-year financial history
| Fiscal year | Revenue | Net income | EPS (diluted) | Free cash flow | Operating margin | ROIC |
|---|---|---|---|---|---|---|
| FY2025 | $309.3M | -$256.7M | -$3.00 | $90.8M | -82.4% | -26.4% |
| FY2024 | $313.0M | -$10.2M | -$0.11 | $149.1M | -2.5% | -0.7% |
| FY2023 | $296.6M | -$110.5M | -$1.23 | $102.9M | -37.6% | -9.0% |
| FY2022 | $279.2M | $12.8M | $0.12 | $71.0M | -16.9% | -2.5% |
| FY2021 | $219.3M | -$50.1M | -$0.60 | $50.5M | -24.6% | -3.4% |
| FY2020 | $155.0M | -$34.8M | -$2.02 | $27.5M | -20.6% | -4.2% |
| FY2019 | $104.6M | — | — | — | -46.1% | — |
| FY2018 | $130.0M | $1.5M | — | -$1.9M | -0.9% | 3.1% |
| FY2017 | $94.0M | $9.4M | — | $20.7M | 17.4% | 6277.4% |
Source: annual 10-K filings on SEC EDGAR. Figures in USD.
Executive summary
Repay Holdings Corp is a consistent compounder, expanding top-line revenue at 16.1% annually over the past decade.
Repay Holdings Corp has historically struggled to out-earn its cost of capital, averaging just 2.5% ROIC.
Over the decade, Repay Holdings Corp shows that the company has leveraged its balance sheet to sustain operations.
Benjamin Graham lens
Under Benjamin Graham's formula using SEC EDGAR fundamentals, Repay Holdings Corp is modeled at 15.0% normalized earnings growth with a 5.1% bond-yield adjustment. The resulting Graham intrinsic value estimate is $3.99 per share.