RPAY Stock Forecast & Price Target

Repay Holdings Corp has demonstrated significant growth in its supplier network, expanding to over 360,000 from 333,000, which highlights its increasing market presence. The company achieved a modest revenue increase of 3% year-over-year in Q4, accompanied by a 2% growth in gross profit, indicating operational stability and potential for future expansion. Additionally, improvements in free cash flow (FCF) conversion, alongside expectations for organic gross profit growth to reach mid-single-digit percentages by 2025, suggest a favorable trajectory for financial performance moving forward.

Repay Holdings Corp experienced a gross profit of $59.7 million, which fell 8% below consensus estimates primarily due to customer attrition and challenging macroeconomic conditions affecting its Consumer Payments segment. Additionally, the company reported a significant deceleration in top-line growth, with a -9% year-over-year decline noted, attributed to client losses and adverse factors impacting Business Payments, which has seen a decline of 22% year-over-year. As a result, the overall financial performance indicates a weakening trajectory with diminished expectations for near-term recovery or growth acceleration across both segments.