RPAY Stock Forecast & Price Target

Repay Holdings Corp's Consumer Payments segment demonstrated notable performance, with revenue increasing 8% year-over-year to $71.7 million, comprising 83% of total revenue for the quarter. The Business Payments segment also showed significant potential, with normalized revenue growth reaching 41% year-over-year, indicating strong traction across new verticals like B2B payments and healthcare. Looking ahead, management anticipates a robust growth trajectory, projecting total revenue growth of 10%-12% for 2026, driven by the anniversary of prior customer losses and increased political media spend.

Repay Holdings Corp has experienced a decline in its Adjusted EBITDA, which fell 11% year-over-year to $32.4 million, reflecting challenges in maintaining profitability amidst a competitive payments landscape. Additionally, the company's gross profit decreased by 2% to $58.3 million, with a significant contraction in gross margins of 210 basis points year-over-year to 74.2%, indicating reduced efficiency in cost management. Despite slight revenue growth from the Consumer Payments and Business Payments segments, the stagnation in quarterly revenue at $78.6 million and overall negative growth trajectory raises concerns about the company's operational performance and future profitability.