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
As of date	09/30/2017	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	95,775.41	19.32	- -	-29.22	-7.24	1.45	-12.93	-1.29	-41.22
Return on Assets (%)	- -	10,716.55	9.61	- -	-11.16	-3.58	0.77	-7.02	-0.66	-18.52
Return on Capital (%)	- -	17,188.77	16.33	- -	- -	- -	1.41	- -	- -	- -
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 (%)	- -	40,232.02	7.75	- -	-29.56	-7.25	1.15	-13.29	-1.58	-41.22

Credit (USD)

Credit Ratios API ChatGPT

	2017 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	09/30/2017	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

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	- -	11.19	49.79	27.31	45.89	51.84	54.99	53.63	48.43	40.38
Long-Term Debt/Equity (%)	- -	- -	81.88	49.55	46.53	50.12	49.51	53.13	65.61	59.96
Long-Term Debt/Capital (%)	- -	- -	43.93	32.84	31.43	33.34	33.06	34.65	39.58	31.44
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 (%)	- -	88.81	46.34	33.71	32.44	33.48	33.22	34.78	39.68	47.56
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 (%)	- -	86.89	42.59	31.03	22.62	30.13	29.16	27.35	28.13	38.71
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)

Liquidity Ratios API ChatGPT

	2017 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	09/30/2017	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

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	- -	11.19	49.79	27.31	45.89	51.84	54.99	53.63	48.43	40.38
Long-Term Debt/Equity (%)	- -	- -	81.88	49.55	46.53	50.12	49.51	53.13	65.61	59.96
Long-Term Debt/Capital (%)	- -	- -	43.93	32.84	31.43	33.34	33.06	34.65	39.58	31.44
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 (%)	- -	88.81	46.34	33.71	32.44	33.48	33.22	34.78	39.68	47.56
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	1.6	0.39	0.22	0.41	0.57	-1.29

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2017 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	09/30/2017	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

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)

Enterprise Value API ChatGPT

	2017 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	09/30/2017	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	319	550	1,941	1,617	711	775	673	298
- 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	2,164	2,065	1,141	1,116	1,004	617
Total Capital	- -	- -	203	633	823	1,373	1,390	1,274	1,282	919
Total Debt/Capital (%)	- -	88.81	46.34	33.71	32.44	33.48	33.22	34.78	39.68	47.56
Total Debt / EV	- -	1.2	0.24	0.23	0.12	0.22	0.4	0.4	0.51	0.71
EV/Sales	- -	- -	3.08	- -	13.96	9.42	4.09	3.76	3.21	1.99
EV/EBITDA	- -	0.01	15.43	- -	82.33	47.24	17.47	14.26	10.47	6.85
EV/EBIT	- -	0.01	25.81	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	13.23	- -	52.08	37.08	14.86	10.39	6.37	5.89
EV/Free Cash Flow to Firm	- -	- -	11.1	- -	32.88	35.27	13.8	9.17	6.33	5.86
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	- -	- -	12.41	25.17	30.38	23.34	12.93	12.29	11.38	7.55
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)

Valuation Multiples API ChatGPT

	2017 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	09/30/2017	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

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	2,164	2,065	1,141	1,116	1,004	617
Low Price	- -	- -	9.6	9.83	10.69	15.57	4.36	5.6	7.04	2.98
EV/Sales	- -	- -	3.08	- -	13.96	9.42	4.09	3.76	3.21	1.99
EV/EBITDA	- -	0.01	15.43	- -	82.33	47.24	17.47	14.26	10.47	6.85
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	- -	- -	2.93	2.57	3.81	1.85	0.79	0.95	0.88	0.62
Price/Book Value Average	- -	- -	2.88	2.05	2.99	2.3	1.17	0.85	1.04	0.87
Price/Book Value High	- -	- -	2.93	2.78	3.98	2.8	1.95	1.16	1.31	1.33
Price/Book Value Low	- -	- -	2.84	1.73	1.5	1.58	0.43	0.62	0.82	0.5
Price/Tangible Book Value	- -	- -	-4.06	-1.08	-6.09	-3.06	-1.64	-2.22	-1.95	-0.93
Price/Tangible Book Value Average	- -	- -	-3.99	-0.86	-4.77	-3.8	-2.42	-1.98	-2.3	-1.32
Price/Tangible Book Value High	- -	- -	-4.06	-1.17	-6.35	-4.64	-4.01	-2.72	-2.89	-2.01
Price/Tangible Book Value Low	- -	- -	-3.94	-0.72	-2.39	-2.61	-0.89	-1.46	-1.8	-0.76
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	- -	11.25	11.2	5.3	3.47	3.58	2.4
EV/Sales High	- -	- -	3.08	- -	14.5	13.21	7.77	4.34	4.23	3.11
EV/Sales Low	- -	- -	3	- -	6.35	8.33	2.92	2.86	3.04	1.82
EV/EBITDA Average	- -	0.01	15.22	- -	66.32	56.17	22.64	13.15	11.7	8.24
EV/EBITDA High	- -	0.01	15.43	- -	85.5	66.25	33.22	16.45	13.81	10.68
EV/EBITDA Low	- -	0.01	15.06	- -	37.45	41.78	12.49	10.85	9.92	6.25
EV/EBIT Average	- -	0.01	25.45	- -	-50.51	-53.42	-34.88	-40.24	-144.42	-61.66
EV/EBIT High	- -	0.01	25.81	- -	-65.11	-63.01	-51.18	-50.33	-170.57	-79.87
EV/EBIT Low	- -	0.01	25.18	- -	-28.52	-39.73	-19.24	-33.2	-122.53	-46.72
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	1,743	2,456	1,479	1,030	1,122	742
Enterprise Value High	- -	- -	400	988	2,248	2,897	2,171	1,288	1,325	961
Enterprise Value Low	- -	- -	391	764	984	1,827	816	850	952	562

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	1.28	0.57	0.74	1.3	2.15	1.41
Book Value per Share	- -	- -	3.38	5.69	7.15	9.88	10.13	8.98	8.63	5.92
Tangible Book Value per Share	- -	- -	-2.44	-13.57	-4.48	-5.96	-4.91	-3.84	-3.9	-3.91

Repay Holdings Corporation

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)