RPAY Repay Holdings Corp
Price Chart
Executive Summary
Repay Holdings reported Q1 2026 adjusted EPS of $0.22, beating consensus of $0.18 by 22%, on revenue of $80.8M (+4% YoY, largely in line with expectations). The company reiterated its updated 2026 outlook with raised Adjusted EBITDA guidance of $141-146M (from $136.5-141.5M), reflecting improved margin expectations. The combination of a clean earnings beat and an upwardly revised profitability outlook is a positive signal.
Key Financial Metrics
Actionable Insight
The Q1 beat and upwardly revised EBITDA guidance confirm improving fundamental trends. Monitor the KUBRA acquisition close (expected Q2) as a catalyst for further revenue and margin expansion. The stock may re-rate on sustained execution and margin improvement.
Key Facts
- Q1 2026 revenue $80.8M, up 4% YoY (Consumer Payments +4%, Business Payments +18%)
- GAAP net loss per share ($0.12) vs ($0.09) a year ago, but adjusted EPS (the Street metric) was $0.22 vs consensus $0.18
- Adjusted EBITDA $34.4M, up 4% YoY; full-year 2026 Adj. EBITDA guidance raised to $141-146M (from $136.5-141.5M)
- Free cash flow improved to $5.4M from ($8.0M) in Q1 2025; FCF conversion guidance maintained at 45%
- Company reiterated 2026 revenue guidance of $340-346M (10-12% reported growth) and expects to close the KUBRA acquisition in Q2
Financial Impact
Adjusted EPS beat by 22% ($0.22 vs $0.18), 2026 EBITDA guidance raised by $4.5M at midpoint ($143.5M vs prior $139M), and free cash flow turned positive year-over-year.
Risk Factors
- Pending KUBRA acquisition integration risk and potential delays
- Net leverage of 2.7x remains elevated; debt servicing consumes cash flow
- GAAP net loss widened to $10M due to tax receivable and interest costs; goodwill impairment risk persists
- Consumer Payments growth slowed to 4%; macro headwinds could pressure volumes
Market Snapshot
Documents Analyzed
This report is based on 4 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001193125-26-204004 |
| Document: 0001193125-26-204004-index.html | 0001193125-26-204004 |
| Document: 0001193125-26-204004.txt | 0001193125-26-204004 |
| 8-K Data (Synthetic) | 0001193125-26-204004 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
|
May 4, 2026
5w ago
|
8-K
| $3.57 $3.93 | ▲ +10.08% | ▲ +5.13% | $3.37 (−5.60%) |
|
Apr 27, 2026
6w ago
|
8-K
| $4.04 $3.75 | ▼ −7.18% | ▼ −12.13% | $3.37 (−16.58%) |
|
Apr 14, 2026
8w ago
|
8-K
| $3.07 $3.35 | ▲ +9.12% | ▲ +2.83% | $3.37 (+9.77%) |
|
Mar 10, 2026
13w ago
|
EFFECT
| $3.04 $2.72 | ▼ −10.53% | ▼ −10.37% | $3.37 (+10.86%) |
|
Feb 25, 2026
15w ago
|
8-K
| $2.95 $3.04 | ▲ +3.05% | ▲ +9.45% | $3.37 (+14.24%) |
US Market Status
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