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Repay Holdings Corp (RPAY) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Repay Holdings Corp stock $12.88, price $4.40, upside +192.7%, quality 57 out of 100. Rating: strongly undervalued. Calculated from audited financials with 9 of our 26 valuation models and 37 quality factors, updated daily.

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Technology US

RH Repay Holdings Corp logo Some data Nov 4, 2026

Repay Holdings Corp

RPAY · US
Undervalued, but sideways

The stock costs 66% less than our calculation considers fair.

Fair value $12.88 · Strongly undervalued
Generates free cash flow
Revenue last quarter +33% vs. a year ago.
Quality 57/100
Mixed Growth (revenue 5y +14.8 %/yr in USD)
Moderate debt
Mixed vs. peers (6/11)
Insiders sold $316,531 (6M)
Some data
Loss-making · -49.6% net margin (TTM)
Narrow moat 15/100 · thin data
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$24.49 $2.40 Fair Value $12.88 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 4, 2026.

How to read this chart

60‑month range $2.40 – $24.49 · fair‑value band $7.88 – $18.83 · the $4.40 price screens below the $12.88 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. As of Nov 4, 2026.

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Company profile

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.

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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.

Stock analysis

Repay Holdings Corp (RPAY) currently trades at $4.40, while our model-based Fair Value estimate is $12.88, implying the stock looks roughly 66% undervalued today.

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Valuation

Bull case: the DCF Models group reads highest at a median of $13.05 per share, and 8 of the 9 models we run sit above the $4.40 price.

Bear case: the Multiples group reads lowest at $6.54, and 1 of the 9 models stay below the price. Data coverage for this calculation is medium.

Scenario range: $7.88 (bear) to $18.83 (bull), the price of $4.40 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 57/100 (solid quality), in the Technology sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Repay Holdings Corp reported revenue of $309M in FY2025 versus $219M in FY2021, a compound +9.0%/yr. Reported net income was −$257M in FY2025.

Key figures

Market cap $366M Small · P/S ratio 1.15 · EPS (TTM) $−1.99 · Net margin −49.6% · Return on equity −31.8% · Return on assets (EBIT) −3.0% (5-year average) · Operating margin −3.2% · Revenue (TTM) $338M.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 15 out of 100 (low confidence).

What moves the price

The share trades about 7% below its 52-week high and 83% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Technology peers we cover trades at −11% fair-value upside, at 193%, RPAY screens cheaper than that median.

Fair Value models

Bear $7.88 Fair Value $12.88 Bull $18.83
Price $4.40 · Upside +192.7%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
FCF DCF $8.38 $13.86 $21.37 79
Growth DCF $8.18 $12.88 $18.83 78
5Y EBITDA Exit $7.88 $14.25 $22.04 74
All 9 models by family
DCF Models
FCF DCF $8.38 $13.86 $21.37 79
5Y Revenue Exit $5.08 $8.52 $12.89 71
5Y EBITDA Exit $7.88 $14.25 $22.04 74
10Y Revenue Exit $6.30 $9.67 $14.31 66
10Y EBITDA Exit $7.92 $13.05 $20.46 67
Multiples
EV/EBITDA $6.71 $10.24 $13.77 66
EV/Revenue $0.8300 $2.84 $4.86 49
Growth DCF
Growth DCF $8.18 $12.88 $18.83 78
Rev-Margin DCF $5.08 $8.60 $13.14 71

Open the full fair value analysis →

Quality Score breakdown

Overall quality 57/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 9
How much profit the company makes from its sales and capital
Quality Growth 24
Are margins and returns getting better?
Cashflow 100
Do the profits arrive as real cash?
Financial strength 36
Debt, balance sheet and risk of trouble
Investment 100
Does it invest with discipline instead of growing at any price?
Low Volatility 0
How calm the share price moves, does not count
Price momentum 53
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 62
Distance to the 52-week high, does not count
New shares 100
Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, one officer or director sold shares worth $316,531 and none bought.

  • SaleTyler B DempseyGeneral Counsel3× since Sep 17, 2026: 75,000 shares, avg. $4.22$316,531Nov 4, 202610b5-1 plan
  • BuyRobert Symmes MacArthur10% owner913,711 shares at $2.52$2.3MApr 9, 2026
  • BuyEdward Urban Kissel10% owner2× since Mar 25, 2026: 1,592,837 shares, avg. $2.73$4.3MApr 2, 2026
  • SaleRichard E ThornburghDirector4,500 shares at $3.50$15,750Nov 17, 2025

Plus 10 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 61/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
−1.2%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+3.5%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+14.8%
Start year 2020 (pandemic)
Revenue growth 9 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+15.8%
Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
−20.6% (2020) → −3.9% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed

Growth Forecast

Little optimism in the price
The price assumes less growth than the company has delivered so far and less than analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−1.2%
The company could shrink this much every year for the next five years and today's price would still be justified.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+29.3%
Yearly sales growth analysts expect, extended to five years.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about −3.5% a year for the price and +26.3% for the forecasts.
Forecast 2026 (sales)+58.9%
Forecast 2027 (sales)+27.6%
Projected 2028 (sales)+24.4%
Projected 2029 (sales)+21.2%
Projected 2030 (sales)+18.0%

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Software - Infrastructure · 346 stocks

Beats the industry median on 6/10 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 57 · Above median
Fair Value upside +192.7% · Top 25%
Profitability
Return on assets −21.4% · Bottom 25%
Net margin (12 months) −49.6% · Bottom 25%
Operating margin (12 months) −3.2% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) 33.2% · Top 25%
Balance sheet
Debt / equity 0.58× · Highest 25%

Valuation Multiplesvs Software - Infrastructure median · lower = cheaper

P/B 0.76× · book value is mostly goodwill ⓘGoodwill and other intangible assets are larger than the equity. The book value mainly reflects prices paid for past acquisitions, so we do not rank this P/B against the peer group.
P/S (12 months) 1.09× · Cheapest 25%
Price / free cash flow (fiscal year) 4.0× · Cheapest 25%
EV/EBITDA 7.3× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)100 · sector 25
FUTURE (revenue growth)100 · sector 60
PAST (return on equity)0 · sector 23
HEALTH (low debt)71 · sector 98
DIVIDEND (yield)0 · sector 31

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Software - Infrastructure stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Microsoft Corporation MSFT $530.61 $583.67 +10% vs RPAY
Fortinet, Inc FTNT $118.84 $130.72 +10% vs RPAY
Oracle Corporation ORCL $116.10 $111.97 −4% vs RPAY
NetApp, Inc NTAP $169.19 $156.80 −7% vs RPAY
Block, Inc XYZ $85.48 $76.43 −11% vs RPAY
Synopsys, Inc SNPS $450.46 $288.23 −36% vs RPAY
Zscaler, Inc ZS $197.66 $101.45 −49% vs RPAY
Palantir Technologies Inc PLTR $160.38 $42.20 −74% vs RPAY
CrowdStrike Holdings CRWD $216.90 $37.97 −82% vs RPAY
Palo Alto Networks, Inc PANW $313.84 $39.54 −87% vs RPAY

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Cite: Fair Value Calculator (2026). "Repay Holdings Corp Fair Value". https://www.fairvalue-calculator.com/stock/RPAY

Frequently asked questions

Is Repay Holdings Corp (RPAY) overvalued or undervalued?
As of Nov 4, 2026, our model estimates a fair value of $12.88 versus a price of $4.40, about +193% upside (undervalued).
What is the fair value of RPAY?
Our model-based fair value for Repay Holdings Corp is $12.88 (as of Nov 4, 2026), built from audited fundamentals. The current price: $4.40.
What is the quality score of RPAY?
Repay Holdings Corp has a Quality Score of 57/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Repay Holdings Corp (RPAY)?
Our model-based price target is the fair value of $12.88 (as of Nov 4, 2026) from 9 valuation models. Cautious scenario $7.88, optimistic scenario $18.83. It is a calculation from audited fundamentals, not an analyst target.
What is the Repay Holdings Corp stock forecast for 2026?
Our models put fair value at $12.88, about +193% upside versus a price of $4.40 (undervalued). Cautious scenario $7.88, optimistic scenario $18.83. The calculation is refreshed regularly with new filings.
What is the revenue of Repay Holdings Corp (RPAY)?
Repay Holdings Corp reported trailing-twelve-month revenue of about $338M (latest available figure, as of Nov 4, 2026).
What growth is priced into Repay Holdings Corp (RPAY)?
For today's price to be fair in a discounted-cash-flow model, Repay Holdings Corp would have to grow free cash flow by -1.2 % per year for five years (discount rate 13.7 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +14.8 % per year. As of Nov 4, 2026.
What discount rate (WACC) does the fair value of RPAY use?
Our models discount Repay Holdings Corp at 13.7 %: a base by market capitalisation (small), damped by beta 1.89, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Repay Holdings Corp that is -1.2 % per year for five years, then slowing evenly to 2 % by year ten, using the same discount rate (13.7 %) and the same formula as our fair value.
How much growth has Repay Holdings Corp (RPAY) delivered so far?
Over the past 5 years revenue at Repay Holdings Corp grew +14.8 % a year. The price currently implies free-cash-flow growth of -1.2 % per year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Repay Holdings Corp (RPAY) growing?
The median revenue growth in the sector is +7.8 % a year. That is the yardstick for the growth priced into Repay Holdings Corp (-1.2 % per year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Repay Holdings Corp (RPAY)?
The free-cash-flow yield on the price is 24.86 %: that much free cash flow Repay Holdings Corp produces per unit of market value. When it exceeds the discount rate of our models (13.7 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Repay Holdings Corp (RPAY)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Repay Holdings Corp it is $12.88 per share (as of Nov 4, 2026), against a price of $4.40. It is the blended result of 9 valuation models in 3 families (DCF Models, Multiples, Growth DCF).
Is Repay Holdings Corp stock overvalued or undervalued in 2026?
As of Nov 4, 2026, RPAY trades below its calculated fair value: price $4.40, fair value $12.88, a gap of about +193% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of RPAY?
No. The price is what the market pays today ($4.40); the fair value is what the company's own numbers justify ($12.88). For Repay Holdings Corp the two are $8.48 per share apart. That gap is exactly why we show both numbers side by side.
How much is Repay Holdings Corp worth?
The market values Repay Holdings Corp at about $366M (market capitalisation, as of Nov 4, 2026). Per share that is $4.40; our models calculate a fair value of $12.88 per share.
What do the bullish and bearish scenarios say about RPAY?
Our models span a range for Repay Holdings Corp: cautious scenario $7.88, base $12.88, optimistic $18.83 per share (as of Nov 4, 2026, price $4.40). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Repay Holdings Corp (RPAY)?
Balance-sheet figures for Repay Holdings Corp (as of Nov 4, 2026): return on equity −31.8%, debt of 0.58 per unit of equity. They feed the Quality Score of 57/100, which measures business quality independently of the share price.
How far is RPAY from its 52-week high?
Repay Holdings Corp trades at $4.40, about 7% below its 52-week high of $4.75 and 83% above the low of $2.40 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $12.88 is for.
Which stocks are comparable to Repay Holdings Corp?
From the same area (Technology) we also value Microsoft Corporation, Oracle Corporation, Palantir Technologies Inc, Palo Alto Networks, Inc, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Repay Holdings Corp stock attractive at the current price?
The data as of Nov 4, 2026: price $4.40, calculated fair value $12.88 (+193%), Quality Score 57/100, from 9 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of RPAY calculated?
We run Repay Holdings Corp through 9 models from 3 families: DCF Models, Multiples, Growth DCF. Every model gets the same audited fundamentals; the fair value of $12.88 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Repay Holdings Corp currently trades 66% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Repay Holdings Corp (RPAY)?
The closing price on Nov 6, 2026 was $4.40. Our model-based fair value is $12.88, about +193% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Repay Holdings Corp right now?
The price is below even our cautious bear case ($7.88). The market is more pessimistic than our downside scenario. Solid quality (57/100) at a price below fair value, the discount is the argument here, not the business quality. A fairly wide model range ($7.88 to $18.83) leaves room in how you read the outcome.

Key figures of Repay Holdings Corp

How large is the market capitalisation of Repay Holdings Corp (RPAY)?
The market capitalisation of Repay Holdings Corp is $366M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Repay Holdings Corp (RPAY)?
The price-to-sales ratio of Repay Holdings Corp is 1.15 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Repay Holdings Corp (RPAY)?
Earnings per share at Repay Holdings Corp are $−1.99. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Repay Holdings Corp (RPAY)?
The net margin of Repay Holdings Corp is −49.6% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Repay Holdings Corp (RPAY)?
The return on equity (ROE) of Repay Holdings Corp is −31.8% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Repay Holdings Corp (RPAY)?
On an EBIT basis the return on assets of Repay Holdings Corp is −3.0% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Repay Holdings Corp (RPAY)?
The operating margin of Repay Holdings Corp is −3.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Repay Holdings Corp (RPAY)?
Revenue at Repay Holdings Corp is growing +33.2% versus a year earlier (3y avg +3.5%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much net debt does Repay Holdings Corp (RPAY) carry?
The net debt of Repay Holdings Corp is $321M (fiscal year 2025, ≈ 3.5 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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