RankAlpha logo
Back to Rankings

RPAY

RepayB
Nasdaq / Financial Services
Last Price
At close
2026-07-22
View Chart
Current thesis
The constructive case is that RPAY is showing real margin progress before KUBRA closes: management raised 2026 adjusted EBITDA outlook, Business Payments is growing materially faster than consolidated revenue, and the stock at $3.47 remains below both the rejected $4.80 Forager proposal and the packet’s median analyst target of $7.71, leaving room if execution and deal closing de-risk.
Posture
Constructive
Lead driver
Momentum
What changed
Momentum remains the lead driver in the composite, 7D delta +6.6.
What can break
Activist and takeover dynamics remain a distraction: REPAY confirmed receipt of a $4.80 per share unsolicited proposal from Forager, then adopted a limited-duration rights plan with a 12.5% trigger, which can prolong uncertainty even if it protects negotiating leverage [#IR-2026-04-17] [#IR-2026-04-14].
Momentum
79
Value
40
Sentiment
54
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $3.75 · Bull $5.00 · Bear $2.40
Data freshness
Prices
As of 2026-07-22
Fundamentals
As of 2026-07-21 • Vendor: Data Vendor v1
Scores
As of 2026-07-22 • Model: HYBRID_IC_RP
AI Memo
As of 2026-05-16 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-07-22
Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $6.85
Why
Momentum79 · Δ7d +6.6
Value40 · Δ7d +0.3
Sentiment54 · Δ7d +4.0
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Lead driver: Momentum · See technicals
Momentum
79
26% active weight
Current posture
7d trendFlat
Δ7d
+6.6
Δ21d
+40.4
Value
40
39% active weight
Current posture
7d trendFlat
Δ7d
+0.3
Δ21d
+1.3
Sentiment
54
34% active weight
Current posture
7d trendImproving
Δ7d
+4.0
Δ21d
+9.0
Why this grade

Composite grade B. Momentum 79.4 / Value 39.9 / Sentiment 54.4

Fundamentals (TTM)
As of 2026-07-21
Market Cap
$329.45M
Beta
1.61
Shares Out
82.8M
P/E (TTM) · Derived
-1.3
P/S (TTM)
1.08
P/FCF (TTM)
5.69
Rev YoY
+4.5%
EPS YoY
+34.9%
Gross Margin
+42.4%
Op Margin
-36.0%
Net Debt
$291.86M
Current Ratio
1.79
As of 2026-07-22 • Updated nightlySource: Internal modelMethodology