Repay Holdings Corporation Financial Ratios — RPAY Stock

Profitability (USD)

	2017 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Return on Common Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Assets (%)	- -	10,716.55	9.61	- -	-11.16	-3.58	0.77	-7.02	-0.66	-18.52
Return on Capital (%)	- -	19,943.12	9.65	- -	- -	- -	7.02	- -	- -	- -
Return on Invested Capital (%)	- -	16,207.21	15.24	- -	- -	- -	-1.8	- -	- -	- -
Gross Margin (%)	- -	38.69	42.32	- -	73.27	74.69	76.78	76.5	77.12	75.02
EBITDA Margin (%)	- -	23.15	19.94	- -	16.96	19.94	23.4	26.39	30.65	29.11
Operating Margin (%)	- -	15.21	11.93	- -	-22.27	-20.97	-15.19	-8.63	-2.48	-3.89
Incremental Operating Margin (%)	- -	15.21	3.38	11.93	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	- -	10.06	8.1	- -	-83.67	-39.56	5.34	-40.3	-3.49	-89.55
Profit Margin (%)	- -	10.06	8.1	- -	-68.11	-22.84	4.6	-37.25	-3.24	-83.01
Net Income to Common Margin (%)	- -	10.06	8.1	- -	-68.11	-22.84	4.6	-37.25	-3.24	-83.01
Effective Tax Rate (%)	- -	- -	- -	- -	- -	- -	41.39	- -	- -	- -
Dvd Payout Ratio (%)	- -	57.99	59.86	- -	-1.16	-0.1	20.47	-2.83	-22.3	- -
Sustainable Growth Rate (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Credit (USD)

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	2017 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Debt	- -	- -	94	213	267	460	462	443	509	437
ST Debt	- -	- -	5	6	8	2	2	2	1	148
LT Debt	- -	- -	89	208	259	458	460	441	507	289
Total Debt/EBITDA	- -	0.01	3.63	- -	10.16	10.51	7.07	5.66	5.3	4.85
Net Debt/EBITDA	- -	0.01	3.12	- -	6.3	9.11	5.91	4.04	3.2	3.45
Total Debt/EBIT	- -	0.01	6.08	- -	-7.74	-10	-10.89	-17.32	-65.45	-36.3
Net Debt/EBIT	- -	0.01	5.22	- -	-4.8	-8.67	-9.11	-12.35	-39.54	-25.83
EBITDA to Interest Expense	- -	3.81	4.27	- -	1.82	11.88	14.93	20.23	12.19	6.45
EBITDA-CapEx/Interest Expense	- -	3.21	3.31	- -	0.14	11.11	13.58	16.54	12.06	6.42
EBIT to Interest Expense	- -	2.5	2.55	- -	-2.39	-12.5	-9.69	-6.61	-0.99	-0.86
Interest Expense	- -	6	6	- -	14	4	4	4	8	14
Common Equity/Total Assets	- -	-2.62	114.13	-8.99	-15.85	-13.41	-13.1	-21.3	-21.24	-49.22
Long-Term Debt/Equity (%)	- -	- -	81.88	49.55	46.53	50.12	49.51	53.13	65.61	59.96
Long-Term Debt/Capital (%)	- -	- -	25.95	59.54	187.5	167.86	162.73	326.89	271.86	-184.8
Long-Term Debt/Total Assets (%)	- -	- -	40.77	26.59	23.31	27.14	28.25	29.04	32.27	24.08
Total Debt/Equity (%)	- -	793.72	86.37	50.86	48.02	50.33	49.76	53.33	65.77	90.68
Total Debt/Capital (%)	- -	103.04	27.37	61.11	193.5	168.59	163.53	328.1	272.52	-279.49
Total Debt/Total Assets (%)	- -	88.81	43.01	27.29	24.06	27.26	28.39	29.15	32.35	36.41
Net Debt to Equity	- -	662.86	74.19	44.99	29.77	43.64	41.63	38.04	39.74	64.52
Net Debt/Capital (%)	- -	103.66	24.46	58.16	353.12	179.04	177.63	1,866.04	-10,468.42	-114.28
EBITDA	- -	22	26	- -	26	44	65	78	96	90
EBITDA-CapEx	- -	18	20	- -	2	41	59	64	95	90
Operating Income (Loss)	- -	14	16	- -	-35	-46	-42	-26	-8	-12

Liquidity (USD)

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	2017 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Cash Ratio	- -	0.16	0.64	0.47	1.39	0.54	0.79	2.06	1.85	0.48
Current Ratio	- -	0.16	0.97	0.84	1.82	1.04	1.42	3.14	2.69	0.82
Quick Ratio	- -	0.16	0.93	0.76	1.72	0.9	1.2	2.68	2.18	0.62
CFO/Avg Current Liab	- -	270.03	2.32	- -	0.49	0.68	0.85	1.48	1.88	0.53
Common Equity/Total Assets	- -	-2.62	114.13	-8.99	-15.85	-13.41	-13.1	-21.3	-21.24	-49.22
Long-Term Debt/Equity (%)	- -	- -	81.88	49.55	46.53	50.12	49.51	53.13	65.61	59.96
Long-Term Debt/Capital (%)	- -	- -	25.95	59.54	187.5	167.86	162.73	326.89	271.86	-184.8
Long-Term Debt/Total Assets (%)	- -	- -	40.77	26.59	23.31	27.14	28.25	29.04	32.27	24.08
Total Debt/Equity (%)	- -	793.72	86.37	50.86	48.02	50.33	49.76	53.33	65.77	90.68
Total Debt/Capital (%)	- -	103.04	27.37	61.11	193.5	168.59	163.53	328.1	272.52	-279.49
Total Debt/Total Assets (%)	- -	88.81	43.01	27.29	24.06	27.26	28.39	29.15	32.35	36.41
CFO/Total Liabilities	- -	13,501.38	21.98	- -	5.14	6.9	10.63	15.04	18.79	12.69
CFO/CapEx	- -	6.15	4.17	- -	1.17	18.63	12.52	7.26	151.76	187.47
Altman's Z-Score	- -	799.3	7.58	-0.91	1.04	0.32	0.22	0.41	0.57	-1.28

Working Capital (USD)

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	2017 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Accounts Receivable Turnover	- -	- -	43.49	- -	8.76	8.04	8.36	8.53	9.08	9.35
Days Sales Outstanding	- -	- -	8.39	- -	41.65	45.4	43.65	42.8	40.21	39.02
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	51.55	- -	3.86	3.47	3.1	3.18	2.81	2.86
Accounts Payable Turnover Days	- -	- -	7.08	- -	94.52	105.13	117.86	114.71	129.78	127.79
Cash Conversion Cycle	- -	- -	1.31	- -	-52.87	-59.73	-74.21	-71.91	-89.57	-88.77
Inventory to Cash Days	- -	- -	8.39	- -	41.65	45.4	43.65	42.8	40.21	39.02
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	2017 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Market Capitalization	- -	- -	319	550	1,422	1,522	715	769	686	312
- Cash & Cash Equivalents	- -	- -	13	25	91	50	65	118	190	116
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	206	47	39	34	16	12	-3
+ Total Debt	- -	- -	94	213	267	460	462	443	509	437
Enterprise Value	- -	- -	400	945	1,645	1,971	1,145	1,110	1,017	631
Total Capital	- -	- -	344	349	138	273	282	135	187	-156
Total Debt/Capital (%)	- -	103.04	27.37	61.11	193.5	168.59	163.53	328.1	272.52	-279.49
Total Debt / EV	- -	1.2	0.24	0.23	0.16	0.23	0.4	0.4	0.5	0.69
EV/Sales	- -	- -	3.08	- -	10.61	8.99	4.1	3.74	3.25	2.04
EV/EBITDA	- -	0.01	15.43	- -	62.57	45.08	17.53	14.18	10.6	7.01
EV/EBIT	- -	0.01	25.81	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	13.23	- -	39.58	35.38	14.92	10.33	6.45	6.02
EV/Free Cash Flow to Firm	- -	- -	11.1	- -	24.99	33.65	13.85	9.12	6.41	5.99
Diluted Market Cap	- -	- -	319	550	1,422	1,522	891	769	686	312
Diluted Enterprise Value	- -	- -	400	945	1,645	1,971	1,322	1,110	1,017	631
EV per Share	- -	0.02	12.41	25.17	31.52	23.65	12.9	12.32	11.31	7.37
TTM Sales	- -	94	130	- -	155	219	279	297	313	309
TTM EBITDA	- -	22	26	- -	26	44	65	78	96	90
TTM Operating Income	- -	14	16	- -	-35	-46	-42	-26	-8	-12
TTM Cash Flow to Firm	- -	27	30	- -	42	56	77	107	158	105
TTM Free Cash Flow to Firm	- -	30	36	- -	66	59	83	122	159	105

Multiples (USD)

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	2017 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Price/Free Cash Flow	- -	- -	10.65	- -	26.95	27.09	11.12	6.52	4.54	3.41
EV/EBIT	- -	0.01	25.81	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	- -	400	945	1,645	1,971	1,145	1,110	1,017	631
Low Price	- -	- -	9.6	9.83	10.69	15.57	4.36	5.6	7.04	2.98
EV/Sales	- -	- -	3.08	- -	10.61	8.99	4.1	3.74	3.25	2.04
EV/EBITDA	- -	0.01	15.43	- -	62.57	45.08	17.53	14.18	10.6	7.01
Price/Earnings	- -	- -	30.3	- -	- -	- -	55.69	- -	- -	- -
Price/Earnings Average	- -	- -	29.77	- -	-10.55	-37.73	82.17	-6.18	-79.39	-1.73
Price/Earnings High	- -	- -	30.3	- -	-14.04	-46.01	136.34	-8.5	-99.78	-2.62
Price/Earnings Low	- -	- -	29.38	- -	-5.28	-25.9	30.19	-4.57	-62.33	-0.99
Price/Book Value	- -	- -	1.28	-7.82	-8.08	-6.74	-3.35	-2.38	-2.06	-0.53
Price/Book Value Average	- -	- -	1.25	-6.22	-6.33	-8.36	-4.95	-2.11	-2.42	-0.75
Price/Book Value High	- -	- -	1.28	-8.44	-8.43	-10.2	-8.21	-2.9	-3.04	-1.14
Price/Book Value Low	- -	- -	1.24	-5.25	-3.17	-5.74	-1.82	-1.56	-1.9	-0.43
Price/Tangible Book Value	- -	- -	-4.06	-1.81	-5.23	-3.11	-1.79	-2.31	-2.06	-0.97
Price/Tangible Book Value Average	- -	- -	-3.99	-1.44	-4.09	-3.87	-2.64	-2.05	-2.42	-1.37
Price/Tangible Book Value High	- -	- -	-4.06	-1.96	-5.45	-4.72	-4.37	-2.82	-3.05	-2.08
Price/Tangible Book Value Low	- -	- -	-3.94	-1.22	-2.05	-2.65	-0.97	-1.52	-1.9	-0.79
Price/Sales	- -	- -	2.46	- -	9.17	6.94	2.56	2.59	2.19	1.01
Price/Sales Average	- -	- -	2.41	- -	7.18	8.62	3.78	2.3	2.58	1.43
Price/Sales High	- -	- -	2.46	- -	9.57	10.51	6.27	3.17	3.24	2.17
Price/Sales Low	- -	- -	2.38	- -	3.6	5.92	1.39	1.7	2.02	0.82
Price/Cash Flow	- -	- -	13.21	- -	49.92	28.54	9.63	7.42	4.57	3.43
Price/Cash Flow Average	- -	- -	12.98	- -	39.1	35.44	14.21	6.59	5.37	4.86
Price/Cash Flow High	- -	- -	13.21	- -	52.06	43.21	23.58	9.06	6.75	7.38
Price/Cash Flow Low	- -	- -	12.81	- -	19.58	24.33	5.22	4.87	4.22	2.8
Price/Free Cash Flow Average	- -	- -	10.47	- -	21.11	33.63	16.4	5.8	5.34	4.84
Price/Free Cash Flow High	- -	- -	10.65	- -	28.11	41.01	27.22	7.97	6.71	7.34
Price/Free Cash Flow Low	- -	- -	10.33	- -	10.57	23.09	6.03	4.28	4.19	2.78
EV/Sales Average	- -	- -	3.04	- -	8.62	10.66	5.32	3.45	3.63	2.46
EV/Sales High	- -	- -	3.08	- -	11	12.56	7.81	4.31	4.29	3.2
EV/Sales Low	- -	- -	3	- -	5.04	7.96	2.93	2.85	3.08	1.85
EV/EBITDA Average	- -	0.01	15.22	- -	50.84	53.48	22.73	13.08	11.85	8.46
EV/EBITDA High	- -	0.01	15.43	- -	64.89	62.97	33.38	16.35	14.01	11.01
EV/EBITDA Low	- -	0.01	15.06	- -	29.7	39.93	12.52	10.8	10.05	6.37
EV/EBIT Average	- -	0.01	25.45	- -	-38.72	-50.87	-35.03	-40.02	-146.35	-63.3
EV/EBIT High	- -	0.01	25.81	- -	-49.41	-59.89	-51.42	-50.02	-173	-82.35
EV/EBIT Low	- -	0.01	25.18	- -	-22.61	-37.98	-19.29	-33.04	-124.05	-47.66
Last Price	- -	- -	9.9	14.65	27.25	18.27	8.05	8.54	7.63	3.65
High Price	- -	- -	9.9	15.81	28.42	27.66	19.71	10.43	11.27	7.86
Enterprise Value Average	- -	- -	395	833	1,337	2,338	1,485	1,024	1,137	762
Enterprise Value High	- -	- -	400	988	1,706	2,753	2,181	1,280	1,344	991
Enterprise Value Low	- -	- -	391	764	781	1,746	818	845	964	574

	2017 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Shares Outstanding	- -	32	32	38	71	89	88	91	88	82
Diluted Weighted Avg Shares	- -	7	32	38	52	83	111	90	90	86
Basic Weighted Avg Shares	- -	7	32	38	52	83	89	90	90	86
Revenue per Share	- -	14.4	4.03	- -	2.97	2.63	3.14	3.29	3.48	3.61
EBITDA per Share	- -	3.33	0.8	- -	0.5	0.52	0.74	0.87	1.07	1.05
Operating Income per Share	- -	2.19	0.48	- -	-0.66	-0.55	-0.48	-0.28	-0.09	-0.14
Basic EPS, GAAP	- -	1.45	0.33	- -	-2.02	-0.6	0.14	-1.23	-0.11	-3
Basic EPS from Cont Ops	- -	1.45	0.33	- -	-2.25	-0.67	0.1	-1.3	-0.12	-3.17
Diluted EPS, GAAP	- -	1.45	0.33	- -	-2.02	-0.6	0.12	-1.23	-0.11	-3
Diluted EPS from Cont Ops	- -	1.45	0.33	- -	-2.25	-0.67	0.08	-1.3	-0.12	-3.17
Dividend per Share	- -	0.84	0.2	- -	0.03	- -	0.01	0.04	0.03	- -
Cash Flow per Share	- -	3.24	0.75	- -	0.55	0.64	0.84	1.15	1.67	1.06
Free Cash Flow per Basic Share	- -	2.71	0.57	- -	0.08	0.61	0.77	0.99	1.66	1.06
Cash & Equivalents per Share	- -	- -	0.41	0.66	1.75	0.6	0.73	1.31	2.11	1.35
Book Value per Share	- -	- -	7.75	-1.87	-3.37	-2.71	-2.4	-3.59	-3.71	-6.9
Tangible Book Value per Share	- -	- -	-2.44	-8.07	-5.21	-5.87	-4.51	-3.7	-3.7	-3.77

Repay Holdings Corporation

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)