RPAY Valuation

Repay Holdings Corp

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5.285

+0.135(2.621%)1D

Overview
Forecast
Valuation
Earnings

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 6.10 is considered Undervalued compared with the five-year average of 16.76. The fair price of Repay Holdings Corp (RPAY) is between 6.21 to 23.37 according to relative valuation methord. Compared to the current price of 5.29 USD , Repay Holdings Corp is Undervalued By 14.85%.

Relative Value

Fair Zone

6.21-23.37

Current Price：5.29

14.85%

Undervalued

6.10

Trailing

Forward

6.13

EV/EBITDA

Repay Holdings Corp. (RPAY) has a current EV/EBITDA of 6.13. The 5-year average EV/EBITDA is 12.29. The thresholds are as follows: Strongly Undervalued below -0.10, Undervalued between -0.10 and 6.09, Fairly Valued between 18.49 and 6.09, Overvalued between 18.49 and 24.68, and Strongly Overvalued above 24.68. The current Forward EV/EBITDA of 6.13 falls within the Historic Trend Line -Fairly Valued range.

-487.72

EV/EBIT

Repay Holdings Corp. (RPAY) has a current EV/EBIT of -487.72. The 5-year average EV/EBIT is -70.68. The thresholds are as follows: Strongly Undervalued below -1032.33, Undervalued between -1032.33 and -551.50, Fairly Valued between 410.14 and -551.50, Overvalued between 410.14 and 890.97, and Strongly Overvalued above 890.97. The current Forward EV/EBIT of -487.72 falls within the Historic Trend Line -Fairly Valued range.

1.49

Repay Holdings Corp. (RPAY) has a current PS of 1.49. The 5-year average PS is 4.17. The thresholds are as follows: Strongly Undervalued below -1.25, Undervalued between -1.25 and 1.46, Fairly Valued between 6.88 and 1.46, Overvalued between 6.88 and 9.59, and Strongly Overvalued above 9.59. The current Forward PS of 1.49 falls within the Historic Trend Line -Fairly Valued range.

3.74

P/OCF

Repay Holdings Corp. (RPAY) has a current P/OCF of 3.74. The 5-year average P/OCF is 12.52. The thresholds are as follows: Strongly Undervalued below -6.79, Undervalued between -6.79 and 2.86, Fairly Valued between 22.17 and 2.86, Overvalued between 22.17 and 31.83, and Strongly Overvalued above 31.83. The current Forward P/OCF of 3.74 falls within the Historic Trend Line -Fairly Valued range.

0.00

P/FCF

Repay Holdings Corp. (RPAY) has a current P/FCF of 0.00. The 5-year average P/FCF is 16.82. The thresholds are as follows: Strongly Undervalued below -11.17, Undervalued between -11.17 and 2.83, Fairly Valued between 30.82 and 2.83, Overvalued between 30.82 and 44.81, and Strongly Overvalued above 44.81. 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 0.61. Compared to its 3-year average P/B ratio of 0.83 , the current P/B ratio is approximately -26.52% higher. Relative to its 5-year average P/B ratio of 1.45, the current P/B ratio is about -58.20% higher. Repay Holdings Corp (RPAY) has a Forward Free Cash Flow (FCF) yield of approximately 27.58%. Compared to its 3-year average FCF yield of 15.99%, the current FCF yield is approximately 72.53% lower. Relative to its 5-year average FCF yield of 10.50% , the current FCF yield is about 162.78% lower.

0.61

P/B

Median3y

0.83

Median5y

1.45

27.58

FCF Yield

Median3y

15.99

Median5y

10.50

Competitors Valuation Multiple

The average P/S ratio for RPAY's competitors is 1.59, providing a benchmark for relative valuation. Repay Holdings Corp Corp (RPAY) exhibits a P/S ratio of 1.49, which is -5.98% above the industry average. Given its robust revenue growth of -4.21%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

Super X AI Technology Ltd

Loss

513.45M

SBC.O

SBC Medical Group Holdings Inc

Cass Information Systems Inc

Tectonic Therapeutic Inc

Loss

417.47M

Performance Decomposition

Market capitalization of RPAY decreased by 39.13% over the past 1 year. The primary factor behind the change was an decrease in Margin Expansion from -6.65 to -10.56.

The secondary factor is the Revenue Growth, contributed -4.21%to the performance.

Overall, the performance of RPAY in the past 1 year is driven by Margin Expansion. Which is more sustainable.

-4.21%

80.72M → 77.33M

Revenue Growth

58.80%

-6.65 → -10.56

Margin Expansion

-93.72%

-568.48 → -35.70

P/E Change

-39.13%