Provides integrated payment processing solutions. Enables electronic payments for consumers and businesses. Now — the numbers.
The company is still in the product-building phase: its spending runs far above its sales. That only changes once the product starts selling at scale.
Average growth of 9% a year over the last 4 years. Red columns mark years that ended in a loss.
Before the clock runs out, either sales must climb sharply or new money must come in. This is the most critical line in the whole picture.
This company is not turning a profit, so the market is pricing its sales instead: 1× for every dollar of annual revenue.
Against companies in its own sector, it looks cheaper than 64% of them.
Analysts' average target sits 31% above today's price.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Clearly below the class average.
Clearly below the class average.
The price isn’t cheap next to earnings — that’s why this grade sits in the middle.
Clearly below the class average.
The price is looking for direction — no strong breakout, no collapse.
Financial Strength: The cash-and-debt balance is thin; the buffer for hard times is slim.
Growth: Sales growth trails the sector average.
An investor who bought at the very peak is down 85% today. The business is the same; what changed most is the price — and the expectations — the market pins on it.
Sales run at $309.3M a year. A small number, but proof the product has real buyers.
A loss of $256.7M against $309.3M in annual sales. And on top of that, sales fell from the year before.
At the current pace of spending, the cash lasts less than a year. After that, the company needs to find new money.
On our five-subject report card, RPAY sits behind the class. A low grade doesn’t mean “doomed” — it means “big claim, small proof.”
The takeaway: RPAY is a high-risk stock — not yet profitable, and its future rides on its product catching on.
The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.
Not covered, because the filings we hold do not carry it: the revenue breakdown.