Repay Holdings Corp (NASDAQ: RPAY)

Sector: Technology Industry: Software - Infrastructure CIK: 0001720592
P/B 0.53
P/E -2.71
P/S 1.06
Market Cap 327.56 Mn
ROIC (Qtr) -8.00
Div Yield % 0.00
Rev 1y % (Qtr) -1.79
Total Debt (Qtr) 436.56 Mn
Debt/Equity (Qtr) 0.71

About

Stock Price Chart

Analysis

Pros

  • Tangible assets of 374.70M provide robust 7.29x coverage of other current liabilities 51.42M, indicating strong asset backing.
  • Strong cash position of 130.29M provides 2.53x coverage of other current liabilities 51.42M, indicating excellent liquidity.
  • Operating cash flow of 102.05M exceeds receivables of 33.22M by 3.07x, demonstrating excellent collection efficiency.
  • Cash position of 130.29M fully covers payables of 22.99M by 5.67x, showing strong vendor relationship management.
  • Free cash flow of 58.81M fully covers payables of 22.99M by 2.56x, indicating strong vendor payment capability.

Cons

  • Operating cash flow of 102.05M barely covers its investment activities of (43.24M), with a coverage ratio of -2.36, indicating heavy reliance on external financing for growth which may not be sustainable in a tighter credit environment.
  • Operating cash flow of 102.05M provides thin coverage of dividend payments of (2.35M) with a -43.44 ratio, suggesting potential dividend sustainability issues if operational performance deteriorates.
  • Operating cash flow of 102.05M provides minimal -25.62x coverage of tax expenses of (3.98M), suggesting potential tax planning inefficiencies or unsustainable tax positions.
  • Operating earnings of (107.94M) show weak coverage of depreciation charges of 100.80M, with a -1.07 ratio indicating high capital intensity and potential reinvestment needs.
  • High financing cash flow of (132.16M) relative to working capital of (42.08M), which is 3.14x suggests concerning dependence on external funding for operational needs.

Peer Comparison

Companies in the Software - Infrastructure
S.No. Ticker Company Market Cap P/E P/S Total Debt (Qtr)
1 MSFT Microsoft Corp 3,542.10 Bn 33.76 12.06 60.56 Bn
2 ORCL Oracle Corp 533.93 Bn 34.61 8.75 124.39 Bn
3 PLTR Palantir Technologies Inc. 437.56 Bn 399.47 112.31 0.24 Bn
4 PANW Palo Alto Networks Inc 125.16 Bn 112.03 13.10 0.35 Bn
5 CRWD CrowdStrike Holdings, Inc. 120.85 Bn -384.67 26.47 0.82 Bn
6 SNPS Synopsys Inc 71.69 Bn 35.89 11.14 15.14 Bn
7 NET Cloudflare, Inc. 67.84 Bn -658.43 33.70 3.50 Bn
8 FTNT Fortinet, Inc. 63.33 Bn 33.80 9.66 1.00 Bn

Industry Comparisons

Current Valuation

Metric Value Industry Percentile
EV to Assets 0.48 2.56
EV to Cash from Ops. 6.28 38.32
EV to Debt 1.47 -11.37
EV to EBIT -5.94 -12.79
EV to EBITDA -53.81 7.72
EV to Free Cash Flow [EV/FCF] 10.89 24.22
EV to Market Cap 1.96 0.58
EV to Revenue 2.07 -35.00
Price to Book Value [P/B] 0.53 3.74
Price to Earnings [P/E] -2.71 -18.61

Dividend Metrics

Metric Value Industry Percentile
Dividend Coverage Ratio -51.40 -0.30
Dividend Payout Ratio % 0.00 2.69
Dividend per Basic Share 0.00 0.10
FCF Dividend Payout Ratio % 0.00 1.67
Interest Coverage -6.43 -13.15

Growth Metrics

Metric Value Industry Percentile
Capex Growth (1y) % 8.27 -404.11
Cash and Equivalents Growth (1y) % -22.78 226.02
Dividend Growth (1y) % 0.00 -0.27
EBIAT Growth (1y) % -44.24 31.15
EBITDA Growth (1y) % -162.75 49.02
EBIT Growth (1y) % -42.58 25.85
EBT Growth (1y) % -50.44 17.82
EPS Growth (1y) % -54.55 70.69
FCF Growth (1y) % -43.22 295.45
Gross Profit Growth (1y) % -2.92 49.96

Liquidity Ratios

Metric Value Industry Percentile
Asset Utilization Ratio 0.23 0.68
Cash Payout Ratio 0.02 0.02
Cash Ratio 0.59 1.21
Current Ratio 0.81 2.57
Debt to Equity Ratio 0.71 -0.93
Interest Cover Ratio -6.43 -13.15
Times Interest Earned -6.43 -13.15

Profitability

Metric Value Industry Percentile
EBITDA Margin % -2.30 -544.82
EBIT Margin % -34.94 -197.78
EBT Margin % -40.37 -602.74
Gross Margin % 75.50 52.06
Net Profit Margin % -39.10 -605.52