RPAY Stock Forecast & Price Target

Repay Holdings Corp demonstrated solid performance in the fourth quarter, with its Consumer Payments segment revenue increasing by 8% year-over-year to $71.7 million, constituting 83% of total revenue. Additionally, on a normalized basis, the Business Payments segment achieved remarkable growth, with revenue rising 41% year-over-year, contributing to an overall estimated revenue increase of 10% for the company when excluding previous year political media impacts. Looking ahead to 2026, management projects total revenue growth of 10%-12%, alongside adjusted EBITDA growth of 6%-10%, bolstered by expected benefits from renewed political media spending and a strategy focused on expanding into new verticals.

Repay Holdings Corp experienced a decline in key financial metrics, with adjusted EBITDA falling 11% year-over-year to $32.4 million, despite being slightly above forecasts and consensus estimates. The company also faced challenges in profitability, as gross profit decreased by 2% to $58.3 million, resulting in a drop in gross margins by 210 basis points to 74.2%. Overall, the revenue performance was stagnant, remaining flat year-over-year at $78.6 million, which signals potential difficulties in sustaining growth amid a competitive payments technology landscape.