Is Repay Holdings Corp (RPAY) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | 189.4% / 30% | 70.6% / 30% | 12.3% / 30% | 1.91% / 5% | ✗ NOT HALAL |
| DJIM | 189.4% / 33% | 70.6% / 33% | 12.3% / 33% | 1.91% / 5% | ✗ NOT HALAL |
| MSCI | 32.4% / 33% | 12.1% / 33% | 2.1% / 33% | 1.91% / 5% | ✓ HALAL |
| S&P | 189.4% / 33% | 70.6% / 33% | 12.3% / 33% | 1.91% / 5% | ✗ NOT HALAL |
| FTSE | 32.4% / 33% | 12.1% / 33% | 2.1% / 50% | 1.91% / 5% | ✓ HALAL |
Financial Highlights
Profitability
| Gross Margin | 75.0% | |
| Operating Margin | -5.7% | |
| Net Margin | -83.0% | |
| Return on Equity (ROE) | -43.2% | |
| Return on Assets (ROA) | -0.5% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $91M |
| Free Cash Flow | $49M |
| Total Debt | $437M |
| Debt-to-Equity | 90.7 |
| Current Ratio | 0.8 |
| Total Assets | $1.2B |
Price & Trading
| Last Close | $3.04 |
| 50-Day MA | $3.13 |
| 200-Day MA | $4.25 |
| Avg Volume | 1.1M |
| Beta | 1.6 |
|
52-Week Range
$2.56
| |
About Repay Holdings Corp (RPAY)
Repay Holdings Corporation, a payments technology company, provides integrated payment processing solutions that enables consumers and businesses to make payments using electronic payment methods in the United States. It operates through two segments: Consumer Payments and Business Payments. The company offers payment acceptance solutions, such as debit and credit card processing, automated clearing house (ACH) processing, e-cash, and digital wallet services; virtual credit card processing, enhanced ACH processing, instant funding, clearing and settlement, and communication solutions; and proprietary payment channels that include Web-based, mobile application, text-to-pay, interactive voice response, and point of sale services. It serves customers primarily operating in the personal loans, automotive loans, receivables management, and business-to-business verticals through direct sales representatives and software integration partners. Repay Holdings Corporation was founded in 2006 and is headquartered in Atlanta, Georgia.
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Frequently Asked Questions
Is Repay Holdings Corp (RPAY) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), Repay Holdings Corp is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is Repay Holdings Corp's debt ratio?
Repay Holdings Corp's debt ratio is 189.4% under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%. Under MSCI and FTSE (which use total assets as the denominator), the debt ratio is 32.4%.
What are Repay Holdings Corp's key financial metrics?
Repay Holdings Corp has a market capitalization of $268M, and revenue of $309M. The company maintains a gross margin of 75.0% and a net margin of -83.0%. Return on equity stands at -43.2%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.