WallStSmart

Repay Holdings Corp (RPAY)vsTurtle Beach Corporation (TBCH)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Repay Holdings Corp generates 13% more annual revenue ($337.81M vs $297.77M). TBCH leads profitability with a -1.1% profit margin vs -49.6%. RPAY earns a higher WallStSmart Score of 46/100 (D+).

RPAY

Hold

46

out of 100

Grade: D+

Growth: 6.0Profit: 2.0Value: 5.0Quality: 4.0
Piotroski: 4/9Altman Z: -0.80

TBCH

Hold

40

out of 100

Grade: F

Growth: 4.0Profit: 3.5Value: 6.0Quality: 6.5
Piotroski: 5/9Altman Z: 1.92

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

RPAY2 strengths · Avg: 10.0/10
Price/BookValuation
0.6x10/10

Reasonable price relative to book value

Revenue GrowthGrowth
33.2%10/10

Revenue surging 33.2% year-over-year

TBCH2 strengths · Avg: 8.0/10
PEG RatioValuation
0.988/10

Growing faster than its price suggests

Price/BookValuation
2.2x8/10

Reasonable price relative to book value

Areas to Watch

RPAY4 concerns · Avg: 3.0/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$342.15M3/10

Smaller company, higher risk/reward

Debt/EquityHealth
1.643/10

Elevated debt levels

Return on EquityProfitability
-54.1%2/10

ROE of -54.1% — below average capital efficiency

TBCH4 concerns · Avg: 3.0/10
Altman Z-ScoreHealth
1.924/10

Grey zone — moderate risk

Market CapQuality
$223.51M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
1.1%3/10

ROE of 1.1% — below average capital efficiency

Revenue GrowthGrowth
-0.7%2/10

Revenue declined 0.7%

Comparative Analysis Report

WallStSmart Research

Bull Case : RPAY

The strongest argument for RPAY centers on Price/Book, Revenue Growth. Revenue growth of 33.2% demonstrates continued momentum.

Bull Case : TBCH

The strongest argument for TBCH centers on PEG Ratio, Price/Book. PEG of 0.98 suggests the stock is reasonably priced for its growth.

Bear Case : RPAY

The primary concerns for RPAY are EPS Growth, Market Cap, Debt/Equity. Debt-to-equity of 1.64 is elevated, increasing financial risk.

Bear Case : TBCH

The primary concerns for TBCH are Altman Z-Score, Market Cap, Return on Equity.

Key Dynamics to Monitor

RPAY profiles as a hypergrowth stock while TBCH is a turnaround play — different risk/reward profiles.

TBCH carries more volatility with a beta of 2.31 — expect wider price swings.

RPAY is growing revenue faster at 33.2% — sustainability is the question.

RPAY generates stronger free cash flow (38M), providing more financial flexibility.

Bottom Line

RPAY scores higher overall (46/100 vs 40/100) and 33.2% revenue growth. Both earn "Hold" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Repay Holdings Corp

TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA

Repay Holdings Corporation provides integrated payment processing solutions to industry-oriented markets. The company is headquartered in Atlanta, Georgia.

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Turtle Beach Corporation

TECHNOLOGY · CONSUMER ELECTRONICS · USA

Turtle Beach Corporation is an audio technology company in North America, Europe, the Middle East, and the Asia Pacific. The company is headquartered in White Plains, New York.

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