RPAY vs Z
Head-to-Head Stock Analysis & Investment Rating
Last Updated: Nov 12, 2026
RPAY
41.2
AI Score
VS
Z Wins
Z
42.1
AI Score
Investment Advisor Scores
Z
42score
Recommendation
HOLD
AI Analyst Insights
AI insights temporarily unavailable
Detailed Metrics Comparison
| Metric | RPAY | Z | Winner |
|---|---|---|---|
| Revenue | 334.90M | 2.20B | Z |
| Net Income | -30.26M | -116.00M | RPAY |
| Gross Margin | 69.2% | 72.5% | Z |
| Net Margin | -9.0% | -5.3% | Z |
| Operating Income | -3.16M | -135.00M | RPAY |
| ROE | -6.5% | -2.7% | Z |
| ROA | -1.9% | -2.2% | RPAY |
| Total Assets | 1.60B | 5.33B | Z |
| Cash | 63.83M | 602.00M | Z |
| Current Ratio | 1.39 | 1.76 | Z |
| Free Cash Flow | 63.94M | 269.00M | Z |
Relative Price Performance (Last 90 Days)
RPAY 1M: +6.3%
· 3M: +9.7%
Z 1M: +5.4%
· 3M: -18.0%
Current Technical Phase
RPAY
NeutralHold
Mixed signals - no dominant trend phase, RSI 48
Z
NeutralHold
Mixed signals - no dominant trend phase, RSI 46
Fundamentals Snapshot
| Metric | RPAY | Z |
|---|---|---|
| Market Cap | — | — |
| Forward P/E | 4.3 | 13.0 |
| Trailing P/E | — | — |
| Revenue (TTM) | — | — |
| Revenue Growth | 1.0% | 0.1% |
| Gross Margin | 0.7% | 0.7% |
| Operating Margin | 0.0% | 0.1% |
| EPS | -2.02 | -0.50 |
| Dividend Yield | — | — |
Frequently Asked Questions
Based on our detailed analysis, Z is currently the stronger investment candidate, winning 8 of the key financial metrics based on our comprehensive scoring model.
We analyze revenue and earnings growth rates in the "Growth" section above. Generally, the company with higher year-over-year revenue and EPS growth is fostering better expansion. Check the table above for the specific growth percentages.
Valuation is determined by metrics like the P/E Ratio and PEG Ratio. A lower P/E typically suggests a stock is cheaper relative to its earnings. Refer to the "Valuation" section in our comparison table to see which stock currently trades at a more attractive multiple.