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RPAY (Repay Holdings) Piotroski F-Score : 4 (As of Oct. 31, 2024)


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What is Repay Holdings Piotroski F-Score?

The zones of discrimination were as such:

Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3

Repay Holdings has an F-score of 4 indicating the company's financial situation is typical for a stable company.

The historical rank and industry rank for Repay Holdings's Piotroski F-Score or its related term are showing as below:

RPAY' s Piotroski F-Score Range Over the Past 10 Years
Min: 3   Med: 5   Max: 7
Current: 4

During the past 7 years, the highest Piotroski F-Score of Repay Holdings was 7. The lowest was 3. And the median was 5.


Repay Holdings Piotroski F-Score Historical Data

The historical data trend for Repay Holdings's Piotroski F-Score can be seen below:

* 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.

* Premium members only.

Repay Holdings Piotroski F-Score Chart

Repay Holdings Annual Data
Trend Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
Piotroski F-Score
Get a 7-Day Free Trial 4.00 4.00 4.00 7.00 5.00

Repay Holdings Quarterly Data
Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24
Piotroski F-Score Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 7.00 7.00 5.00 4.00 4.00

Competitive Comparison of Repay Holdings's Piotroski F-Score

For the Software - Infrastructure subindustry, Repay Holdings's Piotroski F-Score, along with its competitors' market caps and Piotroski F-Score 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's Piotroski F-Score Distribution in the Software Industry

For the Software industry and Technology sector, Repay Holdings's Piotroski F-Score distribution charts can be found below:

* The bar in red indicates where Repay Holdings's Piotroski F-Score falls into.


How is the Piotroski F-Score calculated?

* 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.

This Year (Jun24) TTM:Last Year (Jun23) TTM:
Net Income was -6.168 + -73.287 + -5.212 + -4.071 = $-88.7 Mil.
Cash Flow from Operations was 27.967 + 34.863 + 24.801 + 30.979 = $118.6 Mil.
Revenue was 74.32 + 75.987 + 80.72 + 74.906 = $305.9 Mil.
Gross Profit was 56.683 + 58.726 + 61.545 + 58.585 = $235.5 Mil.
Average Total Assets from the begining of this year (Jun23)
to the end of this year (Jun24) was
(1575.57 + 1582.767 + 1519.833 + 1516.72 + 1521.665) / 5 = $1543.311 Mil.
Total Assets at the begining of this year (Jun23) was $1,575.6 Mil.
Long-Term Debt & Capital Lease Obligation was $440.8 Mil.
Total Current Assets was $201.9 Mil.
Total Current Liabilities was $52.7 Mil.
Net Income was 5.845 + -6.672 + -26.392 + -4.643 = $-31.9 Mil.

Revenue was 71.555 + 72.673 + 74.537 + 71.783 = $290.5 Mil.
Gross Profit was 54.921 + 57.777 + 56.572 + 54.943 = $224.2 Mil.
Average Total Assets from the begining of last year (Jun22)
to the end of last year (Jun23) was
(1641.281 + 1639.897 + 1626.8 + 1581.438 + 1575.57) / 5 = $1612.9972 Mil.
Total Assets at the begining of last year (Jun22) was $1,641.3 Mil.
Long-Term Debt & Capital Lease Obligation was $441.2 Mil.
Total Current Assets was $151.0 Mil.
Total Current Liabilities was $47.2 Mil.

*Note: If the latest quarterly/semi-annual/annual total assets data is 0, then we will use previous quarterly/semi-annual/annual data for all the items in the balance sheet.

Profitability

Question 1. Return on Assets (ROA)

Net income before extraordinary items for the year divided by Total Assets at the beginning of the year.

Score 1 if positive, 0 if negative.

Repay Holdings's current Net Income (TTM) was -88.7. ==> Negative ==> Score 0.

Question 2. Cash Flow Return on Assets (CFROA)

Net cash flow from operating activities (operating cash flow) divided by Total Assets at the beginning of the year.

Score 1 if positive, 0 if negative.

Repay Holdings's current Cash Flow from Operations (TTM) was 118.6. ==> Positive ==> Score 1.

Question 3. Change in Return on Assets

Compare this year's return on assets (1) to last year's return on assets.

Score 1 if it's higher, 0 if it's lower.

ROA (This Year)=Net Income/Total Assets (Jun23)
=-88.738/1575.57
=-0.0563212

ROA (Last Year)=Net Income/Total Assets (Jun22)
=-31.862/1641.281
=-0.01941289

Repay Holdings's return on assets of this year was -0.0563212. Repay Holdings's return on assets of last year was -0.01941289. ==> Last year is higher ==> Score 0.

Question 4. Quality of Earnings (Accrual)

Compare Cash flow return on assets (2) to return on assets (1)

Score 1 if CFROA > ROA, 0 if CFROA <= ROA.

Repay Holdings's current Net Income (TTM) was -88.7. Repay Holdings's current Cash Flow from Operations (TTM) was 118.6. ==> 118.6 > -88.7 ==> CFROA > ROA ==> Score 1.

Funding

Question 5. Change in Gearing or Leverage

Compare this year's gearing (long-term debt divided by average total assets) to last year's gearing.

Score 0 if this year's gearing is higher, 1 otherwise.

Gearing (This Year: Jun24)=Long-Term Debt & Capital Lease Obligation/Average Total Assets from Jun23 to Jun24
=440.758/1543.311
=0.28559247

Gearing (Last Year: Jun23)=Long-Term Debt & Capital Lease Obligation/Average Total Assets from Jun22 to Jun23
=441.222/1612.9972
=0.2735417

Repay Holdings's gearing of this year was 0.28559247. Repay Holdings's gearing of last year was 0.2735417. ==> Last year is lower than this year ==> Score 0.

Question 6. Change in Working Capital (Liquidity)

Compare this year's current ratio (current assets divided by current liabilities) to last year's current ratio.

Score 1 if this year's current ratio is higher, 0 if it's lower

Current Ratio (This Year: Jun24)=Total Current Assets/Total Current Liabilities
=201.935/52.733
=3.82938577

Current Ratio (Last Year: Jun23)=Total Current Assets/Total Current Liabilities
=150.977/47.249
=3.19534805

Repay Holdings's current ratio of this year was 3.82938577. Repay Holdings's current ratio of last year was 3.19534805. ==> This year's current ratio is higher. ==> Score 1.

Question 7. Change in Shares in Issue

Compare the number of shares in issue this year, to the number in issue last year.

Score 0 if there is larger number of shares in issue this year, 1 otherwise.

Repay Holdings's number of shares in issue this year was 91.821. Repay Holdings's number of shares in issue last year was 89.171. ==> There is larger number of shares in issue this year. ==> Score 0.

Efficiency

Question 8. Change in Gross Margin

Compare this year's gross margin (Gross Profit divided by sales) to last year's.

Score 1 if this year's gross margin is higher, 0 if it's lower.

Gross Margin (This Year: TTM)=Gross Profit/Revenue
=235.539/305.933
=0.76990387

Gross Margin (Last Year: TTM)=Gross Profit/Revenue
=224.213/290.548
=0.77169005

Repay Holdings's gross margin of this year was 0.76990387. Repay Holdings's gross margin of last year was 0.77169005. ==> Last year's gross margin is higher ==> Score 0.

Question 9. Change in asset turnover

Compare this year's asset turnover (total sales for the year divided by total assets at the beginning of the year) to last year's asset turnover ratio.

Score 1 if this year's asset turnover ratio is higher, 0 if it's lower

Asset Turnover (This Year)=Revenue/Total Assets at the Beginning of This Year (Jun23)
=305.933/1575.57
=0.1941729

Asset Turnover (Last Year)=Revenue/Total Assets at the Beginning of Last Year (Jun22)
=290.548/1641.281
=0.17702514

Repay Holdings's asset turnover of this year was 0.1941729. Repay Holdings's asset turnover of last year was 0.17702514. ==> This year's asset turnover is higher. ==> Score 1.

Evaluation

Piotroski F-Score= Que. 1+ Que. 2+ Que. 3+Que. 4+Que. 5+Que. 6+Que. 7+Que. 8+Que. 9
=0+1+0+1+0+1+0+0+1
=4

Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3

Repay Holdings has an F-score of 4 indicating the company's financial situation is typical for a stable company.

Repay Holdings  (NAS:RPAY) Piotroski F-Score Explanation

The developer of the system is Joseph D. Piotroski is relatively unknown accounting professor who shuns publicity and rarely gives interviews.

He graduated from the University of Illinois with a B.S. in accounting in 1989, received an M.B.A. from Indiana University in 1994. Five years later, in 1999, after earning a Ph.D. in accounting from the University of Michigan, he became an associate professor of accounting at the University of Chicago.

In 2000, he wrote a research paper called "Value Investing: The Use of Historical Financial Statement Information to Separate Winners from Losers" (pdf).

He wanted to see if he can develop a system (using a simple nine-point scoring system) that can increase the returns of a strategy of investing in low price to book (referred to in the paper as high book to market) value companies.

What he found was something that exceeded his most optimistic expectations.

Buying only those companies that scored highest (8 or 9) on his nine-point scale, or F-Score as he called it, over the 20 year period from 1976 to 1996 led to an average out-performance over the market of 13.4%.

Even more impressive were the results of a strategy of investing in the highest F-Score companies (8 or 9) and shorting companies with the lowest F-Score (0 or 1).

Over the same period from 1976 to 1996 (20 years) this strategy led to an average yearly return of 23%, substantially outperforming the average S&P 500 index return of 15.83% over the same period.


Repay Holdings Piotroski F-Score Related Terms

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Repay Holdings Business Description

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 two segment, Consumer Payment and Business Payments.
Executives
Jacob Hamilton Moore officer: Executive Vice President 3 WEST PACES FERRY ROAD, SUITE 200, ATLANTA GA 30305
Timothy John Murphy officer: Chief Financial Officer 3 WEST PACES FERRY ROAD, SUITE 200, ATLANTA GA 30305
Thomas Eugene Sullivan officer: VP, Controller 3 WEST PACES FERRY ROAD, SUITE 200, ATLANTA GA 30305
Robert Herman Hartheimer director 3232 RITTENHOUSE STREET NW, WASHINGTON DC 20015
Tyler B Dempsey officer: General Counsel 3 WEST PACES FERRY ROAD, SUITE 200, ATLANTA GA 30305
Naomi Barnett officer: Executive Vice President 3 WEST PACES FERRY ROAD, SUITE 200, ATLANTA GA 30305
Shaler Alias director, officer: President 3 WEST PACES FERRY ROAD, SUITE 200, ATLANTA GA 30305
Michael Frank Jackson officer: Chief Operating Officer 3 WEST PACES FERRY ROAD, SUITE 200, ATLANTA GA 30305
Peter J Kight director 4411 EAST JONES BRIDGE ROAD, NORCROSS GA 30092
Morris John Andrew Sr. director, officer: Chief Executive Officer 3 WEST PACES FERRY ROAD, SUITE 200, ATLANTA GA 30305
Richard E Thornburgh director 401 N. MAIN STREET, WINSTON-SALEM NC 27101
David M Guthrie officer: Chief Technology Officer 3280 PEACHTREE RD NW, SUITE 1000, ATLANTA GA 30305
Emnet Legesse Rios 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
Jason Kirk officer: Chief Technology Officer 3 WEST PACES FERRY ROAD, SUITE 200, ATLANTA GA 30305