RPAYRepay Holdings Corporation
Is it safe?
Caution warranted: heavy debt (CCC) and big price swings.
Debt against weak or negative operating profit. A rule of thumb on leverage, not a credit rating.
Large price swings, high volatility. Worst drawdown -91% · now 25% below its 52-week high.
Where this answer is blind. Altman sits structurally low for utilities and pipelines; Beneish runs high for fast growers, since sales growth alone lifts it; banks and REITs are excluded.
Can RPAY take a bad year?
The deepest fall in RPAY's price history on file is −91%; it is 25% below its high today.
Net debt · as at Q2 2026 · debt less the cash on hand, with no positive EBITDA to service it
- Interest cover
- none
Interest cover · no operating profit to pay the interest bill from
- Annualised volatility
- 62%
Annualised volatility · three times the market's own swing
- Worst drawdown on file
- −91%
Worst drawdown on file · −25% today
Details›
- Total debtQ2 2026
- $753M
- Cash and short-term investments
- $84M
- Net debt
- $669M
- EBITDA, trailing twelve months
- −$45M
- Operating profit, trailing twelve months
- −$149M
- Debt / equity
- 1.59×
- Annualised volatilitytwo years of daily moves
- 62%
- Worst drawdown on file
- −91%
- Below its 52-week high
- 25%
Balance sheet from SEC filings; drawdown and volatility from end-of-day closes; Altman Z from the filed statements.
Software, Infrastructure
Ranks #47 of 80 by RyuScore