Core Viewpoint - Repay Holdings Corporation (RPAY) operates in the financial technology sector, providing integrated payment processing solutions to businesses, and competes with other fintech companies in the same space [1] Stock Performance - On March 10, 2026, Morgan Stanley set a price target of $3.50 for RPAY, indicating a potential increase of about 18.44% from the stock's price of $2.955 at that time [2] - Currently, RPAY's stock price has risen to $3.08, reflecting a 9.47% increase from its previous value [2] - The stock has fluctuated between $2.80 and $3.08 today, with a market capitalization of approximately $281 million [5][6] - Over the past year, RPAY's stock has seen a high of $6.06 and a low of $2.70 [5] Analyst Ratings - RPAY has received a consensus "Hold" rating from ten research firms, with one analyst suggesting selling, five recommending holding, and four advising buying [3] - The average one-year target price from brokers is approximately $6.41, significantly higher than the current price, indicating potential growth [3] - DA Davidson maintains a "buy" rating with a price target of $10.00, while Morgan Stanley reduced their target from $5.00 to $4.00, giving an "equal weight" rating [4] - Wall Street Zen downgraded their rating from "buy" to "hold," and Weiss Ratings continues to recommend selling [4]

Exhibit 99.3 Investor Presentation March 2026 Disclaimer 1 On July 11, 2019 (the "Closing Date"), Thunder Bridge Acquisition Ltd. ("Thunder Bridge") and Hawk Parent Holdings LLC ("Hawk Parent") completed a business combination (the "Business Combination") under which Thunder Bridge acquired Hawk Parent, upon which Thunder Bridge changed its name to Repay Holdings Corporation ("REPAY" or the "Company"). The Company's filings with the Securities and Exchange Commission ("SEC"), which you may obtain for free a ...

Core Insights - Wolf Hill Capital Management significantly reduced its stake in Shift4 Payments by selling 788,852 shares, resulting in an estimated change of $73.33 million based on quarterly average pricing [2][3] - Shift4 Payments shares were priced at $72.26 as of November 13, 2025, reflecting a 29% decline over the past year, underperforming the S&P 500 by 40 percentage points [3][4] Company Overview - Shift4 Payments is a leading provider of integrated payment and commerce technology, offering a diversified suite of products for businesses across multiple verticals [5] - The company generates revenue primarily through transaction processing fees, software subscriptions, and value-added services for merchants [7] - As of November 13, 2025, Shift4 Payments has a market capitalization of $6.43 billion and reported revenue of $3.88 billion with a net income of $194.80 million [4] Operational Performance - In the latest quarter, Shift4 Payments reported a 26% increase in payment volume and a 21% increase in operating cash flow [10] - The company is the number one payment provider for the hospitality and sports & entertainment verticals in the U.S. and has become the number two player in the U.S. restaurant industry [10] Competitive Position - Shift4 Payments operates in 75 countries and continues to acquire complementary businesses, positioning itself as a growth stock trading at 14 times forward earnings [11] - The company's competitive edge lies in its end-to-end technology stack, robust integrations, and focus on security and operational efficiency for merchants [8]

Group 1: AI and Technology Market Insights - AI remains a key market driver alongside technology, with a focus on fundamentals and an all-tech-driven market [1] - The current market is supported by cash flows and operating profits rather than debt, indicating a sustainable build-out for AI infrastructure [2] - Investment opportunities are shifting towards infrastructure plays as the market recognizes the scale of necessary infrastructure for technology deployment [2] Group 2: Clean Energy Fuels Corp. (NASDAQ:CLNE) - Clean Energy Fuels Corp. is launching its second heavy-duty truck demo program featuring the 2026 Freightliner Cascadia Gen 5 with the Cummins X15N natural gas engine [8] - The new demo program follows the success of the previous Peterbilt X15N demo truck program, which was well-received for its performance and cost savings [9] - The program aims to showcase the capabilities of the new truck and promote the integration of low-carbon fueling options through Clean Energy's nationwide RNG stations [10][11] Group 3: Repay Holdings Corporation (NASDAQ:RPAY) - Repay Holdings Corporation announced a partnership with Emotive Software to enhance automotive finance and compliance through integrated payment technology [12] - The collaboration aims to automate loan payment processing and provide flexible payment options for automotive lenders and dealerships [13] - Repay specializes in integrated payment processing solutions for both consumers and businesses across two segments: Consumer Payments and Business Payments [14]

Core Insights - Repay Holdings Corporation (NASDAQ:RPAY) is identified as one of the most undervalued technology stocks by analysts [1] - The company announced a new integration with Fuse, enhancing its digital payment technology for banks and financial institutions [1] Group 1: Integration and Technology - The integration with Fuse's AI-powered loan origination system improves automation capabilities for lenders, allowing for more efficient management of consumer and auto loans [2] - This integration enables automatic updates of transaction logs following payments made via card, ACH, or digital wallet, thereby reducing errors and increasing efficiency [2][3] - The advanced automation reduces the risk of manual errors and miscalculations, while also generating detailed data for compliance checks and issue identification [3] Group 2: Company Overview - Repay Holdings Corporation specializes in integrated payment processing solutions, facilitating electronic payments for consumers and businesses in the US [4]