RPAY Valuation

Repay Holdings Corp

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3.160

+0.16(5.333%)1D

RPAY Relative Valuation

RPAY's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, RPAY is overvalued; if below, it's undervalued.

Historical Valuation

Repay Holdings Corp (RPAY) is now in the Undervalued zone, suggesting that its current forward PE ratio of 3.45 is considered Undervalued compared with the five-year average of 14.24. The fair price of Repay Holdings Corp (RPAY) is between 6.44 to 20.86 according to relative valuation methord. Compared to the current price of 3.16 USD , Repay Holdings Corp is Undervalued By 50.92%.

Relative Value

Fair Zone

6.44-20.86

Current Price：3.16

50.92%

Undervalued

3.45

Trailing

Forward

4.40

EV/EBITDA

Repay Holdings Corp. (RPAY) has a current EV/EBITDA of 4.40. The 5-year average EV/EBITDA is 11.16. The thresholds are as follows: Strongly Undervalued below 0.11, Undervalued between 0.11 and 5.64, Fairly Valued between 16.68 and 5.64, Overvalued between 16.68 and 22.20, and Strongly Overvalued above 22.20. The current Forward EV/EBITDA of 4.40 falls within the Undervalued range.

447.96

EV/EBIT

Repay Holdings Corp. (RPAY) has a current EV/EBIT of 447.96. The 5-year average EV/EBIT is -53.78. The thresholds are as follows: Strongly Undervalued below -1022.69, Undervalued between -1022.69 and -538.24, Fairly Valued between 430.67 and -538.24, Overvalued between 430.67 and 915.12, and Strongly Overvalued above 915.12. The current Forward EV/EBIT of 447.96 falls within the Overvalued range.

0.76

Repay Holdings Corp. (RPAY) has a current PS of 0.76. The 5-year average PS is 3.70. The thresholds are as follows: Strongly Undervalued below -1.24, Undervalued between -1.24 and 1.23, Fairly Valued between 6.17 and 1.23, Overvalued between 6.17 and 8.64, and Strongly Overvalued above 8.64. The current Forward PS of 0.76 falls within the Undervalued range.

0.00

P/OCF

Repay Holdings Corp. (RPAY) has a current P/OCF of 0.00. The 5-year average P/OCF is 10.54. The thresholds are as follows: Strongly Undervalued below -6.76, Undervalued between -6.76 and 1.89, Fairly Valued between 19.19 and 1.89, Overvalued between 19.19 and 27.84, and Strongly Overvalued above 27.84. The current Forward P/OCF of 0.00 falls within the Undervalued range.

0.00

P/FCF

Repay Holdings Corp. (RPAY) has a current P/FCF of 0.00. The 5-year average P/FCF is 13.97. The thresholds are as follows: Strongly Undervalued below -9.20, Undervalued between -9.20 and 2.38, Fairly Valued between 25.56 and 2.38, Overvalued between 25.56 and 37.15, and Strongly Overvalued above 37.15. The current Forward P/FCF of 0.00 falls within the Undervalued range.

Repay Holdings Corp (RPAY) has a current Price-to-Book (P/B) ratio of 0.42. Compared to its 3-year average P/B ratio of 0.82 , the current P/B ratio is approximately -48.82% higher. Relative to its 5-year average P/B ratio of 1.31, the current P/B ratio is about -68.00% higher. Repay Holdings Corp (RPAY) has a Forward Free Cash Flow (FCF) yield of approximately 0.00%. Compared to its 3-year average FCF yield of 17.84%, the current FCF yield is approximately -100.00% lower. Relative to its 5-year average FCF yield of 12.13% , the current FCF yield is about -100.00% lower.

0.42

P/B

Median3y

0.82

Median5y

1.31

41.53

FCF Yield

Median3y

17.84

Median5y

12.13

Competitors Valuation Multiple

The average P/S ratio for RPAY's competitors is , providing a benchmark for relative valuation. Repay Holdings Corp Corp (RPAY) exhibits a P/S ratio of , which is NaN% above the industry average. Given its robust revenue growth of -1.79%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

Cass Information Systems Inc

Lincoln Educational Services Corp

Loss

23.58%

645.13M

Performance Decomposition

Market capitalization of RPAY decreased by 60.89% over the past 1 year. The primary factor behind the change was an decrease in P/E Change from -0.65 to -2.28.

The secondary factor is the Revenue Growth, contributed -1.79%to the performance.

Overall, the performance of RPAY in the past 1 year is driven by P/E Change. Which is more unsustainable.

-1.79%

79.15M → 77.73M

Revenue Growth

-309.61%

4.06 → -8.51

Margin Expansion

250.51%

-0.65 → -2.28

P/E Change

-60.89%