RPAY Stock Forecast & Price Target

Repay Holdings Corp reported a 4% year-over-year increase in revenue for its Consumer Payments segment, amounting to $71.7 million, which constitutes 86% of total revenue for the quarter, indicating strong performance in this key area. The company expects substantial growth in 2026, driven by the anniversary of previous customer losses and an anticipated increase in political media spending that will benefit its Business Payments segment. Additionally, a 59% year-over-year expansion in Repay’s accounts payable supplier network suggests enhanced operational capacity and the potential for increased transaction volume, further supporting a positive financial outlook.

Repay Holdings Corp experienced a concerning decline in adjusted EBITDA, which fell by 11% year-over-year to $31.2 million, falling short of both internal and consensus forecasts. Although revenue for the third quarter showed a slight increase of 1% above expectations, it still represented a 2% decline compared to the previous year, indicating challenges in maintaining top-line growth. Additionally, the overall sentiment in the payments sector has shifted, with a notable decrease in investor confidence regarding highly leveraged companies and those born from SPAC mergers, further contributing to a bleak outlook for future revenue growth in 2025.