GURUFOCUS.COM » STOCK LIST » USA » NAS » Repay Holdings Corp (NAS:RPAY) » Definitions » Financial Strength
Switch to:

Repay Holdings Financial Strength

: 4 (As of Jun. 2022)
View and export this data going back to 2018. Start your Free Trial

Repay Holdings has the Financial Strength Rank of 4.

GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is based on these factors:

1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3. Altman Z-Score.

Repay Holdings did not have earnings to cover the interest expense. Repay Holdings's debt to revenue ratio for the quarter that ended in Jun. 2022 was 1.71. As of today, Repay Holdings's Altman Z-Score is 0.80.


Competitive Comparison

For the Software - Infrastructure subindustry, Repay Holdings's Financial Strength, along with its competitors' market caps and Financial Strength data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

   

Repay Holdings Financial Strength Distribution

For the Software industry and Technology sector, Repay Holdings's Financial Strength distribution charts can be found below:

* The bar in red indicates where Repay Holdings's Financial Strength falls into.



Repay Holdings Financial Strength Calculation

GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is based on these factors

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.

Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:

Repay Holdings's Interest Expense for the months ended in Jun. 2022 was $-1.1 Mil. Its Operating Income for the months ended in Jun. 2022 was $-17.6 Mil. And its Long-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2022 was $459.7 Mil.

Repay Holdings's Interest Coverage for the quarter that ended in Jun. 2022 is

Repay Holdings did not have earnings to cover the interest expense.

The higher the ratio, the stronger the company's financial strength is.

2. Debt to revenue ratio. The lower, the better.

Repay Holdings's Debt to Revenue Ratio for the quarter that ended in Jun. 2022 is

Debt to Revenue Ratio=Total Debt (Q: Jun. 2022 ) / Revenue
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Revenue
=(2.207 + 459.662) / 269.74
=1.71

3. Altman Z-Score.

Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.

The zones of discrimination were as such:

When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.

Repay Holdings has a Z-score of 0.80, indicating it is in Distress Zones. This implies bankrupcy possibility in the next two years.

Warning Sign:

Altman Z-score of 0.8 is in distress zone. This implies bankruptcy possibility in the next two years.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.


Repay Holdings  (NAS:RPAY) Financial Strength Explanation

The maximum rank is 10. Companies with rank 7 or higher will be unlikely to fall into distressed situations. Companies with rank of 3 or less are likely in financial distress.

Repay Holdings has the Financial Strength Rank of 4.


Repay Holdings Financial Strength Related Terms

Thank you for viewing the detailed overview of Repay Holdings's Financial Strength provided by GuruFocus.com. Please click on the following links to see related term pages.


Repay Holdings Business Description

Repay Holdings logo
Traded in Other Exchanges
Address
3 West Paces Ferry Road, Suite 200, Atlanta, GA, USA, 30305
Repay Holdings Corp is engaged in providing integrated payment processing solutions to verticals that have transaction processing needs. It allows customers to pay through Mobile App, Text, Interactive Voice Response, Virtual Terminal, Hosted Payment Page and Online Customer Portal among others. It operates in one segment, Merchant services.
Executives
Guthrie David M officer: Chief Technology Officer 3280 PEACHTREE RD NW SUITE 1000 ATLANTA GA 30305
Rios Emnet Legesse director 3 WEST PACES FERRY ROAD SUITE 200 ATLANTA GA 30305
Beckham Aggregator, L.p. 10 percent owner FOUR EMBARCADERO CENTER, SUITE 3610 SAN FRANCISCO CA 94111
Bt Parent Gp, Llc 10 percent owner FOUR EMBARCADERO CENTER, SUITE 3610 SAN FRANCISCO CA 94111
Beckham Parent, L.p. 10 percent owner FOUR EMBARCADERO CENTER, SUITE 3610 SAN FRANCISCO CA 94111
Barnett Naomi officer: Executive Vice President 3 WEST PACES FERRY ROAD SUITE 200 ATLANTA GA 30305
Kight Peter J director 4411 EAST JONES BRIDGE ROAD NORCROSS GA 30092
Jacobs William I director C/O MASTERCARD INTERNATIONAL INC 2000 PURCHASE ST PUCHASE NY 10577-2509
Goebel Maryann director 411 NORTH NEW RIVER DRIVE EAST UNIT 2902 FORT LAUDERDALE FL 33301
Schein Jeremy director 3 WEST PACES FERRY ROAD, SUITE 200 ATLANTA GA 30305
Hartheimer Robert Herman director 3232 RITTENHOUSE STREET NW WASHINGTON DC 20015
Garcia Paul R director 214 N TRYON STREET CHARLOTTE NC 28202
Thornburgh Richard E director 401 N. MAIN STREET WINSTON-SALEM NC 27101
Morris John Andrew Sr. director, officer: Chief Executive Officer 3 WEST PACES FERRY ROAD, SUITE 200 ATLANTA GA 30305
Moore Jacob Hamilton officer: Executive Vice President 3 WEST PACES FERRY ROAD SUITE 200 ATLANTA GA 30305

Repay Holdings Headlines

Other Sources

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)