WallStSmart

Repay Holdings Corp (RPAY)vsVuzix Corp Cmn Stk (VUZI)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Repay Holdings Corp generates 5034% more annual revenue ($312.73M vs $6.09M). VUZI leads profitability with a 0.0% profit margin vs -82.7%. RPAY earns a higher WallStSmart Score of 38/100 (F).

RPAY

Hold

38

out of 100

Grade: F

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

VUZI

Avoid

16

out of 100

Grade: F

Growth: 2.7Profit: 2.5Value: 6.7Quality: 7.0
Piotroski: 4/9Altman Z: -11.94
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for RPAY.

VUZIUndervalued (+40.2%)

Margin of Safety

+40.2%

Fair Value

$4.13

Current Price

$2.14

$1.99 discount

UndervaluedFair: $4.13Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

RPAY1 strengths · Avg: 10.0/10
Price/BookValuation
0.6x10/10

Reasonable price relative to book value

VUZI1 strengths · Avg: 10.0/10
Debt/EquityHealth
0.0310/10

Conservative balance sheet, low leverage

Areas to Watch

RPAY4 concerns · Avg: 3.3/10
Revenue GrowthGrowth
4.5%4/10

4.5% revenue growth

EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$341.78M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
-54.1%2/10

ROE of -54.1% — below average capital efficiency

VUZI4 concerns · Avg: 3.0/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$187.94M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
0.0%3/10

0.0% margin — thin

Return on EquityProfitability
-90.3%2/10

ROE of -90.3% — below average capital efficiency

Comparative Analysis Report

WallStSmart Research

Bull Case : RPAY

The strongest argument for RPAY centers on Price/Book.

Bull Case : VUZI

The strongest argument for VUZI centers on Debt/Equity.

Bear Case : RPAY

The primary concerns for RPAY are Revenue Growth, EPS Growth, Market Cap.

Bear Case : VUZI

The primary concerns for VUZI are EPS Growth, Market Cap, Profit Margin.

Key Dynamics to Monitor

RPAY profiles as a turnaround stock while VUZI is a value play — different risk/reward profiles.

RPAY carries more volatility with a beta of 1.83 — expect wider price swings.

RPAY is growing revenue faster at 4.5% — sustainability is the question.

VUZI generates stronger free cash flow (-7M), providing more financial flexibility.

Bottom Line

RPAY scores higher overall (38/100 vs 16/100). VUZI offers better value entry with a 40.2% margin of safety. Both earn "Hold" and "Avoid" 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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Vuzix Corp Cmn Stk

TECHNOLOGY · CONSUMER ELECTRONICS · USA

Vuzix Corporation designs, manufactures, markets and sells augmented reality (AR) computing and display devices for consumer and business markets in North America, Asia-Pacific, Europe, and internationally. The company is headquartered in West Henrietta, New York.

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