← Back to Stock Screener← Stock Screener

ZYBERNO

Stock Report

Updated Aug 31, 2026

Repay Holdings Corporation (RPAY)

NASDAQ

$3.74

Professional Investment Analysis

ZYBERNO SCORE →

Is it a great business? Is it getting better?

24.0/100

POOR BUSINESS

Repay Holdings Corporation (RPAY) scores 24/100 — concerning metrics indicating significant structural or financial risks.

📊 How is the Zyberno Score calculated? +

The Zyberno Score answers one question: "Is this a quality business worth owning?" It's a 0-100 investment grade that evaluates business fundamentals across four critical dimensions, based on principles from Warren Buffett, Benjamin Graham, Peter Lynch, and Charlie Munger.

The 4 Core Categories (25 points each):

1. PROFITABILITY (25 pts)

Metrics: ROE, ROIC, Net Margin, Operating Margin
Thresholds: ROE >20% excellent • ROIC >20% excellent • Net Margin >20% excellent • Operating Margin >25% excellent

2. FINANCIAL STRENGTH (25 pts)

Metrics: Debt-to-Equity, Current Ratio, Interest Coverage, Altman Z-Score
Thresholds: D/E <0.3 excellent • Current Ratio >2.5 excellent • Interest Coverage >10x excellent • Altman Z >3.0 safe

3. CASH FLOW QUALITY (25 pts)

Metrics: Free Cash Flow, OCF vs Net Income, FCF Margin
Thresholds: Positive & growing FCF excellent • OCF/NI >1.2x excellent (cash earnings exceed accounting)

4. GROWTH & CONSISTENCY (25 pts)

Metrics: Revenue Growth, Net Income Growth, FCF Growth, Piotroski F-Score
Thresholds: Growth via log-linear regression • Piotroski 8-9 excellent, 6-7 good

Score Interpretation:

75-100

GREAT BUSINESS

65-74

GOOD BUSINESS

50-64

AVERAGE BUSINESS

30-49

WEAK BUSINESS

0-29

POOR BUSINESS

→ View full RPAY quality analysis & detailed breakdown

VALUATION SIGNAL

MARGIN OF SAFETY

Is this stock cheap or expensive relative to what the business has historically generated for owners?

+74.6%

Undervalued

Growth gap unavailable — insufficient data for reverse DCF calculation.

🎯 Expected Annual Return →

32.5%

Margin of Safety convergence — your return if the market re-prices to intrinsic value (5-yr annualised)

34.7%

Yield + growth — what the business alone earns you, even if the market never re-rates

💰 How is Margin of Safety calculated? +

Margin of Safety measures how much discount or premium you're paying relative to a stock's intrinsic value. It's Benjamin Graham's core principle: the larger the margin, the lower your downside risk.

Formula: (Intrinsic Value − Current Price) ÷ Intrinsic Value × 100%

How We Calculate Intrinsic Value (DCF Method):

Step 1: Calculate current Owner Earnings (OCF − Maintenance CapEx)

Step 2: Calculate company-specific growth rate using log-linear regression on 16 quarters of Owner Earnings

Step 3: Project 10 years forward using the calculated growth rate

Step 4: Discount each year's cash flow to present value using 10% discount rate

Step 5: Calculate terminal value using 3% perpetual growth rate

Step 6: Sum all discounted cash flows = Intrinsic Value

What The Percentages Mean:

+50% or more

EXCELLENT — Very undervalued

+25% to +50%

GOOD — Attractive discount

0% to +25%

FAIR — Reasonable value

0% to -25%

CAUTION — Slight premium

-25% or worse

POOR — Overvalued

"Price is what you pay, value is what you get." — Warren Buffett

→ View full RPAY valuation analysis · → View full RPAY Brina Gap analysis

📈 How is Brina Gap calculated? +

Brina Gap measures the difference between the growth a business can fundamentally sustain and the growth the market is already pricing in.

Formula: Fundamental Growth Rate − Market-Implied Growth Rate

The Two Components:

Fundamental Growth Rate = ROIC × Reinvestment Rate

What the business can sustainably grow at based on how much it reinvests and what return it earns on that capital. Grounded in historical financials.

Market-Implied Growth Rate = Reverse DCF

The growth rate the current Enterprise Value implicitly assumes. Calculated by back-solving a 10-year DCF model (10% WACC, 3% terminal growth) until the present value of projected cash flows equals EV.

What The Gap Means:

Gap > +5% Market Underestimates — potential upside

+2% to +5% Slight Underestimate

-2% to +2% Fairly Priced — market consensus matches fundamentals

-5% to -2% Slight Overestimate

Gap < -5% Market Overestimates — price embeds optimism fundamentals don't support

A positive gap (market underestimates) combined with a positive Margin of Safety is the strongest combined signal — the business is both cheap historically and forward economics are stronger than the price suggests.

Critical Financial Health Indicators

Return on Equity (Profitability):CRITICAL (-32.7%)

Debt-to-Equity (Solvency Risk):POOR (1.72x)

Operating Margin (Operational Efficiency):CRITICAL (-44.2%)

Return on Capital (Capital Efficiency):CRITICAL (-9.8%)

📊 Valuation Trilogy

Three interconnected metrics for complete valuation analysis

Click any metric for full methodology and detailed analysis

Zyberno's Verdict

Repay Holdings Corporation (RPAY) stock report — Zyberno Score 24/100 (POOR BUSINESS), Margin of Safety +74.6%, 33% expected annual return. Full financial analysis on Zyberno.

According to Zyberno's DCF model, Repay Holdings Corporation (RPAY) trades at $3.74 against an estimated intrinsic value per share of $14.75 — a +74.6% Margin of Safety based on Owner Earnings of $105.03M TTM, projected at 0.8% growth for 10 years with a 2.5% terminal growth rate. Zyberno's model translates this into a 5-year expected return of 32.5% annually.

Over the trailing twelve months, RPAY generated $105.03M in Owner Earnings. Capital was deployed as follows: $262.00K invested in capital expenditures. Reinvestment rate: -36.0%. Owner Earnings have grown at 0.8% annually over the trailing five years using log-linear regression.

DIVISION I: EXECUTIVE SUMMARY

A. Market Valuation

Market Price & Capitalization (2)

Current Price:3.74

Market Cap:$334.70M

Valuation Multiples (3)

P/B Ratio:0.71x

P/S Ratio:0.99x

Peg Ratio:-999.00x

Enterprise Metrics (3)

Enterprise Value:$1.01B

Ev Ebitda Ratio:32.35x

Pfcf Ratio:3.20x

Price Action & Momentum (3)

12-1 Momentum:

-15.4% (27th pctile)

📈 Click to view full RPAY Momentum analysis →

Momentum Percentile:27 / 100

% of 52-Week High:61.8%

B. Profitability Assessment

Return Metrics (5)

ROE:

-32.7%

📊 Click to view full RPAY ROE analysis →

ROA:-12.7%

Roic:

-9.8%

📊 Click to view full RPAY ROIC analysis →

Reinvestment Rate:-36.0%

Fundamental Growth Rate (g):3.5%

Margin Analysis (3)

Operating Margin Ttm:-44.2%

Net Margin Ttm:-49.6%

Ebitda Margin:9.2%

TTM Performance (3)

Gross Margin Ttm:73.5%

Operating Margin Ttm:-44.2%

Net Margin Ttm:-49.6%

Yield Metrics (3)

Earnings Yield:-$53.46

Owner Earnings Yield:$31.21

Dividend Yield:0.0%

C. Log-Linear Regression Growth Trends

Earnings Surprise (SUE) (3)

Earnings Surprise (SUE):

+2.10

📊 Click to view full RPAY Earnings Surprise analysis →

EPS Surprise vs Expected:90.2%

Latest Earnings Filed:2026-08-10

Revenue Growth (Linear) (1)

Revenue Growth Rate (Linear):4.8%

Cash Flow Growth (Linear) (2)

Free Cash Flow Growth Rate (Linear):0.8%

Operating Cash Flow Growth Rate (Linear):-0.4%

D. Financial Stability

Liquidity Ratios (3)

Current Ratio:1.45x

Quick Ratio:1.43x

Cash Ratio:0.57x

Leverage Analysis (3)

Debt To Equity Ttm:1.72x

Debt-to-Equity Ratio:1.72x

Debt To Ebitda:24.31x

Coverage Ratios (2)

Interest Coverage Ratio:-13.01x

Times Interest Earned:-13.01

Capital Structure (4)

Working Capital:66,076,000.00

Cash And Cash Equivalents:83,660,000.00

Long Term Debt:$748.14M

Net Debt:$675.79M

DIVISION II: FINANCIAL STATEMENTS ANALYSIS

A. Income Statement Analysis

Revenue Components (2)

Revenue TTM: $337.81M

Linear Growth: 4.8%

📊 Click to view full RPAY Revenue analysis & methodology →

Cost Of Revenue Ttm:$89.56M

Profitability Breakdown (2)

Gross profit TTM: $248.25M

Linear Growth: 3.5%

📊 Click to view full RPAY Gross Profit analysis & methodology →

-$149.46M

Bottom Line Performance (3)

-$167.45M

Income Before Tax:-$181.20M

Ebitda Ttm:31,238,000.00

Operating Expenses (5)

Operating Expenses:487,271,000.00

R And D Expense:0.00

Sga Expense:154,356,000.00

Income Tax Expense:-$4.75M

Interest Expense:19,580,000.00

Expense Ratios (3)

R And D To Revenue Percentage:0.0%

Sga To Revenue Percentage:153.3%

Ebitda Margin:9.2%

B. Balance Sheet Analysis

Asset Composition (5)

Total Assets:$1.61B

Current Assets:$212.98M

Ppe Net:3,762,000.00

Goodwill:652,085,000.00

Intangible Assets:$560.24M

Liability Structure (4)

Total Liabilities:1,138,607,000.00

Current Liabilities:146,900,000.00

Long Term Debt:$748.14M

Short Term Debt:$11.31M

Equity & Capital (3)

Equity:$469.26M

Retained Earnings:-$611.48M

Common Stock:0.00

Working Capital Items (3)

Accounts Receivable:63,906,000.00

Inventory:2,309,000.00

Accounts Payable:44,095,000.00

Special Items (2)

Contract Liabilities:16,600,000.00

Stock Based Compensation:4,800,000.00

C. Cash Flow Analysis

Operating Activities (2)

Operating cash flow TTM: $105.43M

Linear Growth: -43.0%

Free cash flow TTM: $105.17M

Linear Growth: 80.0%

📊 Click to view full RPAY Free Cash Flow analysis & methodology →

Investment Activities (2)

Investing Cash Flow:-$33.95M

Capital Expenditures Ttm:262,000.00

Financing Activities (3)

Financing Cash Flow:-$51.72M

Dividends Paid Ttm:0.00

Stock Repurchase:0.00

Capital Transactions (3)

Common Stock Issuance:0.00

Long Term Debt Issuance:$110.00M

Long Term Debt Repayments:$146.51M

Non-Cash Items (1)

Depreciation Amortization Ttm:180,700,000.00

DIVISION III: OPERATIONAL METRICS

A. Per Share Analysis

Earnings Per Share (3)

EPS (Basic TTM):-2.01

-$2.01

Earnings Per Share Ttm:-$1.87

Revenue & Cash Per Share (3)

Sales Per Share Ttm:3.77

Operating Cash Flow Per Share:$1.02

Fcf Per Share Ttm:1.17

Book Value & Capital (2)

Book Value Per Share:$5.24

Cash Per Share:0.93

Dividend Policy (1)

Dividend Payout Ratio:-999.00x

B. Operational Efficiency

Asset Utilization (2)

Asset Turnover Ttm:0.26x

Working Capital Turnover Ttm:5.11x

Receivables Management (2)

Receivables Turnover Ttm:5.29x

Days Sales Outstanding Ttm:69.05

Inventory Management (2)

Inventory Turnover Ttm:38.79x

Days Inventory Outstanding Ttm:9.41

Payables & Cash Cycle (2)

Days Payable Outstanding:179.71

Cash Conversion Cycle:-101.25

C. Quality & Risk Metrics

Financial Quality Scores (2)

Financial Strength Score:20.00

Quality Score:35.00

Market Metrics (2)

Beta:0.00x

Volatility Category:unknown

DIVISION IV: INVESTMENT ANALYSIS

A. Value Investment Framework

Owner Earnings Analysis (3)

Owner earnings TTM: $105.03M

Linear Growth: 77.4%

📊 Click to view full RPAY Owner Earnings analysis & methodology →

Owner Earnings Per Share:$1.17

Owner Earnings Yield:$31.21

Growth Assessment (1)

Owner Earnings Growth Rate:$0.77

Damodaran Growth Analysis (2)

Reinvestment Rate:-36.0%

Fundamental Growth Rate (g):3.5%

Intrinsic Value Models (1)

Intrinsic Value:

$1.32B

📊 Click to view full RPAY DCF valuation →

Margin of Safety (1)

Margin Of Safety:

74.6%

📊 Click to view full RPAY valuation analysis →

Return Scenarios (2)

Theoretical 5-Year Return:

32.5%

📊 Click to view full RPAY expected return analysis →

Forward Expected Return (Yield + Growth):

34.7%

📊 Click to view full RPAY expected return analysis →

Investment Assessment (1)

Buffett Assessment:Excellent margin of safety

B. Log-Linear Regression Growth Analysis

Growth Rates (Log-Linear Regression) (1)

Revenue Growth Rate (Linear):4.8%

Cash Flow Growth Rates (2)

Free Cash Flow Growth Rate (Linear):0.8%

Operating Cash Flow Growth Rate (Linear):-0.4%

Other Growth Rates (3)

Gross Profit Growth Rate (Linear):3.5%

Book Value Growth Rate (Linear):-16.5%

Owner Earnings Growth Rate:$0.77

C. Company Profile & Context

Corporate Information (6)

Symbol:RPAY

Company Name:Repay Holdings Corporation

Sector:Unknown

Industry:Business Services

Exchange:NASDAQ

Country:United States

Market Classification (3)

Market Cap Category:N/A

Price Category:low

Volume Category:N/A

Share Structure (3)

Shares Outstanding:89.49M

Shares Outstanding Basic:83.29B

Shares Outstanding Diluted:83.29B

Data Processing Info (3)

Processing Version:v3.0

Last Updated:2026-08-31 01:02:06 UTC

Data Timestamp:2026-08-18T07:10:35.119583