Ticker: RPAY, $4.10, +6.77% 💳
As of: May 16, 2025, 4:00 PM ET
Category: Fintech | Small Cap | Speculative Turnaround
🎯 Theme: Could this unloved stock... finally pay?

🔥 Insider Buying: The Executives Just Hit "Pay Now"

When the CEO and President each drop hundreds of thousands of dollars on shares, you pay attention. Literally.

• 👨💼 CEO John Morris bought 249,802 shares @ $4.09 → $1.02M

• 👔 President Shaler Alias bought 189,782 shares @ $4.13 → $784K

These aren’t vanity buys. They're bullish bites. And they boosted their stakes +11% and +30%, respectively.

🏛️ Institutional Ownership: Everyone’s Already in?

219 institutions hold an impressive 117.11% of the float. (Yes, more than 100%. That’s shorting and leverage for you.)

Top Holders:

• 🧠 BlackRock – 9.01%

• 🛡️ Vanguard – 5.35%

• 💼 Wellington – 5.51%

• 🧮 Dimensional – 4.98%

• 🏢 American Century, BAMCO, Sunriver, Ranger, and more...

🗣️ Translation: Wall Street’s still here. Retail? Maybe time to join the reunion tour.

🔍 For full Institutional Ownership breakdown, see here

🧾 First Quarter 2025: A Mixed Receipt

📉 Revenue: $77.3M (↓ from $80.7M YoY)
📉 Gross Profit: $58.7M
📉 Net Loss: -$8.2M
📉 Free Cash Flow: - $8.0M

But wait, there's a twist…

• 🟢 Business Payments Gross Profit: +12% YoY

• 🚀 Instant funding volumes: +19% YoY

• 🧩 Added 3 new software partners, now at 283 total

• 💳 14 new credit union clients, now at 343

And most importantly...

➡️ Outlook:

• Free cash flow conversion to exceed 60% by Q4 2025

• Sequential gross profit growth expected to re-accelerate

For more resources on Repay Holdings's financial statements,
Check this out.

📣 Quote of the Quarter:

“We believe Q1 doesn’t reflect our underlying business trends.”
— John Morris, CEO, REPAY

Translation: Ignore the chart. Look at the vibes (and maybe the roadmap).

📉 So Why’s the Stock Still in the Gutter?

Because... 💸

• RPAY is down ~85% from its all-time high of $28.42 in Dec 2020

• Profitability still elusive

• Free cash flow temporarily negative

• Sentiment? Well… flat as a prepaid debit card

But…

💰 Valuation is eye-popping:

📉 That's not just cheap, that's garage sale + recession combo clearance.

📈 Back to the Bigger Picture

• RPAY’s Business Payments unit has consistently grown

• Political media payments vertical was a strong tailwind in 2024

• Long-term software integration + AP supplier network = moats forming

The challenge? Turning that growth into reliable bottom-line earnings.

🧠 Verdict: High-Risk, But Maybe High-Reward?

🎯 What You’re Betting On:

• A business turning the corner on free cash flow

• Institutional support stays firm

• Insider buys prove prescient

• Profitability catches up with platform expansion

⚠️ Risks:

• Ongoing client losses

• Stalled revenue growth

• Market volatility for small caps

• Shareholder patience wearing thin

🤓 Play It Smart:

Start with a small position, dollar-average if conviction builds. Watch earnings trends, cash flow guidance, and maybe wait for Q2 or Q3 to confirm a turnaround.

🚫 Funanc1al Disclaimer:

We talk fast and joke faster. But we’re not financial advisors—we’re just trying to repay you with fun + info. 🚀💼💳

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