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Repay Holdings (RPAY) Fair Value & Analysis

Technology · US · Market cap $346M

Price$3.26
Fair Value$10.25
Upside+214.4%
Quality95/100
Evidence: Medium Range $6.72 – $13.79

Fair value as of: Jun 25, 2026

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Analysis

Repay Holdings (RPAY) currently trades at $3.26, while our model-based Fair Value estimate is $10.25 — implying the stock looks roughly 214.4% undervalued today. We read business quality at 95/100 (high quality), in the Technology sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: medium) — always confirm before acting.

About the company

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. 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 …

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Frequently asked questions

Is Repay Holdings (RPAY) undervalued?
As of Jun 25, 2026, our model estimates a fair value of $10.25 versus a price of $3.26 — about +214% (undervalued). Model-based estimate, not financial advice.
What is the fair value of RPAY?
Our 21-model fair value for Repay Holdings is $10.25 (as of Jun 25, 2026), built from audited fundamentals. The current price is $3.26.
What is the quality score of RPAY?
Repay Holdings has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.