RPAY Stock Forecast & Price Target

Repay Holdings Corp reported an 8% year-over-year revenue growth in its Consumer Payments segment, which accounted for 83% of the company's total revenue in the fourth quarter, reaching $71.7 million. The Business Payments segment demonstrated significant strength, with revenue expanding by 41% year-over-year on a normalized basis, highlighting robust underlying performance that could lead to continued upward momentum. Management anticipates total revenue growth of 10%-12% and adjusted EBITDA growth of 6%-10% for 2026, supported by strategic M&A activities that enhance the company's scale and entry into new markets.

Repay Holdings Corp experienced a notable decline in adjusted EBITDA, which fell 11% year-over-year to $32.4 million, despite surpassing both internal forecasts and consensus estimates. Gross profit also witnessed a decrease of 2% to $58.3 million, with gross margins contracting significantly by 210 basis points compared to the previous year, reflecting underlying pressures in profitability. Furthermore, the company reported that its quarterly revenue remained relatively flat at $78.6 million, raising concerns about its growth trajectory amid challenging market conditions.