RPAY Stock Forecast & Price Target

Repay Holdings Corp has demonstrated solid growth in its supplier network, increasing from 333,000 to over 360,000, which enhances its competitive position within integrated payment processing solutions. The company experienced a 3% year-over-year revenue growth and a 2% increase in gross profit in the fourth quarter, signaling resilient demand in its two segments, Consumer Payments and Business Payments. Furthermore, improving free cash flow (FCF) conversion and expectations for a modest recovery in organic gross profit growth through 2025 indicate a positive outlook for the company's financial health moving forward.

Repay Holdings Corp's performance has shown significant challenges, with gross profit of $59.7 million falling 8% below consensus expectations and reflecting customer attrition alongside macroeconomic headwinds in its Consumer Payments segment. Moreover, the company's top-line growth has markedly decelerated, with year-over-year declines of 9% attributable to client losses and diminished marketing campaigns, casting doubt on future revenue acceleration. In addition, both Consumer Payments and Business Payments reported gross profit declines of 5% and 22%, respectively, which were further exacerbated by client roll-offs, signaling persistent difficulties across their operational segments.