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Institutional ownership roughly stable: -0.00% change quarter-over-quarter.
Data as of Q1 2026
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Total shares institutions bought (green) vs sold (red) each quarter across all holders.
Inferred from quarter-over-quarter change in each fund's 13F position (new stakes count as buys, exits as sells). Not tick-level trades.
Top 40 institutional holders — bubble size is position value, color is the move since last quarter. Hover any holder for detail.
Drag any bubble to rearrange · size = dollar value of the position
Solve the discounted cash flow backwards, then stress-test the assumptions.
To be worth $3.95 today, the market must believe free cash flow compounds 85.3%/yr for a decade (off $114M normalized FCF).
The market's 85.3% is more optimistic than its 8-yr track record.
2-stage DCF · 85.56B shares · net debt $311M
mean 31.2% · volatility σ 41% · implied rate exceeded in 0/6 yrs
Central path = implied 85.3%/yr growth; shaded band = ±1σ (41%) of this company's historical FCF volatility, widening with time. The wider the band, the less certain the growth.
Reverse DCF: rather than guessing a fair value, we solve for the growth the current price implies, then you stress-test the assumptions. Enterprise value of the FCF stream, less net debt, ÷ shares. Educational — not a recommendation.
Is the value real, and is the business safe? Academic scores + earnings quality + solvency, from SEC filings.
Safe > 2.99 · grey 1.81–2.99 · distress < 1.81
Eight indices comparing this year to last (receivables, margins, asset quality, growth, accruals, leverage). Above −1.78 suggests possible manipulation; below −2.22 is clean.
A screen, not proof — high growth alone can raise it.
Cash-conversion data unavailable. Lower/negative accruals = higher quality (Sloan).
Interest coverage is thin — monitor; leverage rising year-over-year.
F-Score (0–9 fundamental momentum), Altman Z (distress risk), and Beneish M (earnings-manipulation screen) are academic models computed from the SEC filings. Screens and context — educational, not recommendations.
What the company returns to shareholders — and whether it's covered by cash.
No dividend to cover. Last year: $0 dividends + $0 buybacks = $0 returned on $91M FCF.
Yields use the latest fiscal-year dividends/buybacks over current market cap. Dividends and buybacks from the SEC cash-flow statement; payout coverage vs net income and free cash flow. Educational — not a recommendation.
How management deployed cash over 9 years — and what it earned on reinvestment.
A balanced mix of reinvestment and shareholder returns.
Operating income fell despite reinvestment — a warning on capital productivity. Current ROIC on all capital: -28%. Rough measure (includes maintenance capex).
Cash uses aggregated from the SEC cash-flow statement over 9 fiscal years. "Return on reinvestment" is a rough proxy — operating-income change ÷ cumulative CapEx + M&A — and includes maintenance capex. Educational — not a recommendation.
How much the company owes, how it's trended, and how comfortably it's serviced.
Cash of $116M covers the $0 due within a year 115692000.0× over. Scheduled principal only (excludes interest & revolver draws). As of 2020-03-31 (10-Q).
Insufficient EBITDA/debt history.
Green ≤ 1.5× · amber ≤ 3× · red > 3× (leverage relative to cash earnings).
Thin coverage — earnings barely cover interest. Effective rate ~3.3% on $427M of debt.
Cash of $116M is below short-term debt of $146M — relies on refinancing/operations.
Mostly long-term debt (balance-sheet current vs non-current split). See the maturity ladder above for the year-by-year repayment schedule.
Debt, cash, interest and equity from the SEC balance sheet & income statement. Effective rate = interest ÷ average debt. Maturity ladder from the SEC long-term-debt repayment schedule. Educational — not a recommendation.
EOD close · as of 2026-09-17
How a revenue dollar becomes profit — FY2025
Each value shows its share of revenue below it (common-size).
| Line Item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | $309.3M 100.0% | $313.0M 100.0% | $296.6M 100.0% | $279.2M 100.0% | $219.3M 100.0% | $155.0M 100.0% | $104.6M 100.0% | $130.0M 100.0% | $94.0M 100.0% |
| Cost of Revenue | $77.2M 25.0% | $71.6M 22.9% | $69.7M 23.5% | $64.8M 23.2% | $55.5M 25.3% | $41.4M 26.7% | — | — | — |
| Gross Profit | $232.0M 75.0% | $241.4M 77.1% | $226.9M 76.5% | $214.4M 76.8% | $163.8M 74.7% | $113.6M 73.3% | — | — | — |
| Selling, General & Admin | $142.0M 45.9% | $145.5M 46.5% | $148.7M 50.1% | $149.1M 53.4% | $120.1M 54.8% | $87.3M 56.3% | $97.0M 92.7% | $29.1M 22.4% | $14.6M 15.5% |
| Total Operating Expenses | $564.0M 182.4% | $320.8M 102.5% | $408.0M 137.6% | $326.4M 116.9% | $273.3M 124.6% | $187.0M 120.6% | $152.8M 146.1% | $1.2M 0.9% | $77.6M 82.6% |
| Operating Income | -$254.7M -82.4% | -$7.8M -2.5% | -$111.4M -37.6% | -$47.2M -16.9% | -$54.0M -24.6% | -$32.0M -20.6% | -$48.2M -46.1% | $16.6M 12.8% | $16.4M 17.4% |
| Interest Expense | $13.9M 4.5% | $7.9M 2.5% | $3.9M 1.3% | $4.4M 1.6% | — | — | — | $5.5M 4.2% | $4.4M 4.7% |
| Interest & Investment Income | $4.1M 1.3% | $6.0M 1.9% | $2.8M 1.0% | $130K 0.0% | — | — | — | $2.6M 2.0% | — |
| Other Income (Expense), net | -$22.2M -7.2% | -$3.1M -1.0% | -$8.1M -2.7% | $62.1M 22.2% | -$32.7M -14.9% | -$97.7M -63.0% | — | -$6.1M -4.7% | -$6.9M -7.4% |
| Pretax Income | -$277.0M -89.6% | -$10.9M -3.5% | -$119.5M -40.3% | $14.9M 5.3% | -$86.7M -39.6% | -$129.7M -83.7% | — | $10.5M 8.1% | $9.4M 10.1% |
| Income Tax Expense | -$5.9M -1.9% | -$575K -0.2% | -$2.1M -0.7% | $6.2M 2.2% | -$30.7M -14.0% | -$12.4M -8.0% | — | — | — |
| Net Income | -$256.7M -83.0% | -$10.2M -3.2% | -$110.5M -37.2% | $12.8M 4.6% | -$50.1M -22.8% | -$105.6M -68.1% | — | $10.5M 8.1% | $9.4M 10.1% |
| Per Share | |||||||||
| EPS (Basic) | $-3.00 | $-0.11 | $-1.23 | $0.14 | $-0.60 | $-2.02 | — | — | — |
| EPS (Diluted) | $-3.00 | $-0.11 | $-1.23 | $0.12 | $-0.60 | $-2.02 | — | — | — |
| Weighted Avg Shares (Basic) | 85.56B | 89.92B | 90.05B | 88.79B | 83.32B | 52.18B | — | — | — |
| Weighted Avg Shares (Diluted) | 85.56B | 89.92B | 90.05B | 110.67B | 83.32B | 52.18B | — | — | — |
Source: SEC EDGAR XBRL filings (annual, fiscal year). Quarterly flow items are derived from cumulative filings; balance-sheet figures are as-of each period end. Ratios and margins are computed, not reported.
EOD close · as of 2026-09-17
Where each multiple sits in its own 8-yr range · 17th pct blended
Dot = today · shaded = middle 50% · line = median. Lower percentile = cheaper vs its own 8-yr history.
Is the profit real, and how strong is the balance sheet?
FY2025 · every deduction from revenue to net income
DuPont — the three levers
Watch the leverage lever — a chunk of ROE comes from the balance sheet.
What the company owes vs. what it holds
Year-by-year maturities aren't in SEC companyfacts (footnote-only), so this shows the debt/cash structure and net leverage instead.
Latest year: profit growth vs revenue growth
Profit and sales moved in opposite directions this year.
Each line as % of revenue — the trend in color
| % of revenue | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|
| Cost of Revenue | — | — | 26.7 | 25.3 | 23.2 | 23.5 | 22.9 | 25.0 |
| Gross Profit | — | — | 73.3 | 74.7 | 76.8 | 76.5 | 77.1 | 75.0 |
| SG&A | 22.4 | 92.7 | 56.3 | 54.8 | 53.4 | 50.1 | 46.5 | 45.9 |
| Operating Income | 12.8 | -46.1 | -20.6 | -24.6 | -16.9 | -37.6 | -2.5 | -82.4 |
| Income Tax | — | — | -8.0 | -14.0 | 2.2 | -0.7 | -0.2 | -1.9 |
| Net Income | 8.1 | — | -68.1 | -22.8 | 4.6 | -37.2 | -3.2 | -83.0 |
Green = margin-favorable vs the row's own range · red = unfavorable.
The metrics that matter, over time
A 30-second read on RPAY: price, valuation, headline fundamentals, and an auto-generated scorecard from SEC filings. Flags are rule-based signals, not recommendations.
Total return (dividends reinvested) vs the market, from quarter-end prices.
Above 0 = ahead of the S&P 500 since the window start; below 0 = behind. Rising means it's pulling ahead.
How far the stock fell below its prior peak. Deeper, longer drawdowns = a rougher ride to the same return.
Quarter-end, dividend-adjusted (total return). Beta & volatility from quarterly returns (annualized). Benchmark is the S&P 500 (SPY total return). Annual returns compound the quarters ending in each calendar year; the first and last years in a window may be partial. Past performance doesn't predict future results.
Ranked against 743 sector peers with collected financials. Valuation from latest close × latest fiscal-year fundamentals; 13F conviction as of 2026-03-31.
Percentile is “goodness” within the peer set (100 = best). For valuation and leverage that means cheaper / less-levered ranks higher.
| Company | Mkt cap ▼ | P/E | EV/EBITDA | P/S | Rev gr | Gross | Net | ROE | ROIC | Net D/EBITDA | 13F |
|---|---|---|---|---|---|---|---|---|---|---|---|
| TSM | $11.16T | — | — | — | — | — | — | — | — | — | 3,121 |
| NVDA | $5.33T | 44.8× | 40.0× | 24.7× | 65.5% | 71.1% | 55.6% | 76.3% | 72.4% | 0.1× | 5,582 |
| AAPL | $4.98T | 45.2× | 34.8× | 12.0× | 6.4% | 46.9% | 26.9% | 152% | 68.1% | 0.6× | 5,858 |
| MSFT | $3.70T | 27.7× | 19.6× | 11.1× | 17.8% | 67.9% | 40.3% | 30.2% | 27.7% | 0.2× | 5,944 |
| AVGO | $1.65T | 72.8× | 65.1× | 25.8× | 23.9% | 67.8% | 36.2% | 28.4% | 15.8% | 2.5× | 4,442 |
| MU | $1.10T | 128.8× | 60.7× | 29.3× | 48.9% | 39.8% | 22.8% | 15.8% | 12.9% | 0.7× | 2,894 |
| AMD | $888.5B | 205.7× | 210.2× | 25.6× | 34.3% | 49.5% | 12.5% | 6.9% | 6.5% | 0.8× | 3,059 |
| INTC | $543.3B | — | 67.4× | 10.3× | -0.5% | 34.8% | -0.5% | -0.2% | -0.2% | 5.5× | 2,495 |
| CSCO | $436.6B | 43.2× | 36.6× | 7.7× | 5.3% | 64.9% | 18.0% | 21.7% | 13.6% | 2.3× | 3,560 |
| PLTR | $421.4B | 279.8× | 291.6× | 94.2× | 56.2% | 82.4% | 36.3% | 22.0% | 22.0% | — | 2,883 |
| DELL | $383.6B | 67.8× | 36.1× | 3.4× | 18.8% | 20.0% | 5.2% | -240% | 20.4% | 2.8× | 1,564 |
| LRCX | $341.7B | 64.9× | 54.5× | 18.5× | 23.7% | 48.7% | 29.1% | 54.3% | 37.4% | 0.7× | 2,500 |
| RPAY | $338.0B | — | — | 1092.8× | -1.2% | 75.0% | -83.0% | -53.0% | -28.2% | -1.7× | 142 |
| AMAT | $331.0B | 48.2× | 38.1× | 11.7× | 4.4% | 48.7% | 24.7% | 34.3% | 25.9% | 0.8× | 2,826 |
| UMC | $307.4B | — | — | — | — | — | — | — | — | — | 302 |
| ARM | $281.9B | 311.6× | 242.9× | 57.3× | 22.8% | 97.5% | 18.4% | 10.9% | 10.9% | — | 730 |
| SAP | $262.5B | — | — | — | — | — | — | — | — | — | 794 |
| ANET | $250.7B | 72.6× | 63.3× | 27.8× | 28.6% | 64.1% | 39.0% | 28.4% | 28.4% | — | 1,930 |
| PANW | $250.5B | 234.4× | 156.5× | 27.2× | 14.9% | 73.4% | 12.3% | 14.5% | 14.5% | — | 2,374 |
| SNDK | $235.7B | — | — | 32.0× | 10.4% | 30.1% | -22.3% | -17.8% | -14.8% | -1.5× | 1,127 |
| TXN | $234.6B | 47.4× | 30.9× | 13.3× | 13.0% | 57.0% | 28.3% | 30.7% | 16.5% | 1.8× | 2,345 |
| CRM | $225.6B | 31.1× | 24.4× | 5.4× | 9.6% | 77.7% | 18.0% | 12.6% | 10.1% | 1.5× | 2,547 |
| IBM | $222.8B | 21.3× | — | 3.3× | 7.6% | 58.2% | 15.7% | 32.4% | 11.3% | — | 3,351 |
| MRVL | $204.0B | 78.4× | 133.3× | 24.9× | 42.1% | 51.0% | 32.6% | 18.7% | 14.2% | 2.9× | 1,477 |
| QCOM | $202.7B | 37.7× | 15.2× | 4.6× | 13.7% | 55.4% | 12.5% | 26.1% | 15.4% | 1.1× | 2,611 |
Peers = companies sharing RPAY's sector (Technology) with collected SEC financials. Multiples use the most recent end-of-day close and latest fiscal-year fundamentals (trailing, not forward). Missing cells mean the peer never reported that line item, has no collected price, or has a non-positive denominator. Not investment advice.