RPAY Stock Forecast & Price Target

Repay Holdings Corp's Consumer Payments segment demonstrated a positive trajectory, with revenue increasing 4% year-over-year to reach $71.7 million, which constitutes 86% of the total revenue for the period. Excluding certain items, both revenue and gross profit dollars experienced mid-digit growth, indicating strong underlying performance. With expectations of further growth in 2026 driven by the anniversary of previous customer losses and increased political media spending, along with a significant 59% year-over-year rise in the accounts payable supplier network, Repay is well-positioned to capitalize on the ongoing consumer adoption of electronic payment processes.

Repay Holdings Corp has experienced an 11% decline in adjusted EBITDA year-over-year, falling to $31.2 million, which was below both internal forecasts and consensus estimates. Despite reporting a slight year-over-year decline of 2% in revenue to $77.7 million, the company did exceed forecasted revenue by $1.0 million; however, the mixed results and declining EBITDA highlight underlying financial challenges. The broader market sentiment towards payment processing companies, particularly those with high financial leverage and those that went public via SPACs, further exacerbates Repay's negative outlook and suggests lower growth potential for total revenue in the coming years.