RPAY PE Ratio & Valuation,Is RPAY Overvalued

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 3.77 is considered Undervalued compared with the five-year average of 13.71. The fair price of Repay Holdings Corp (RPAY) is between 7.50 to 20.73 according to relative valuation methord. Compared to the current price of 3.40 USD , Repay Holdings Corp is Undervalued By 54.65%.

Relative Value

Fair Zone

7.50-20.73

Current Price：3.40

54.65%

Undervalued

3.77

4.68

EV/EBITDA

Repay Holdings Corp. (RPAY) has a current EV/EBITDA of 4.68. The 5-year average EV/EBITDA is 10.92. The thresholds are as follows: Strongly Undervalued below 0.17, Undervalued between 0.17 and 5.55, Fairly Valued between 16.30 and 5.55, Overvalued between 16.30 and 21.68, and Strongly Overvalued above 21.68. The current Forward EV/EBITDA of 4.68 falls within the Undervalued range.

475.78

EV/EBIT

Repay Holdings Corp. (RPAY) has a current EV/EBIT of 475.78. The 5-year average EV/EBIT is -52.10. The thresholds are as follows: Strongly Undervalued below -1024.16, Undervalued between -1024.16 and -538.13, Fairly Valued between 433.93 and -538.13, Overvalued between 433.93 and 919.95, and Strongly Overvalued above 919.95. The current Forward EV/EBIT of 475.78 falls within the Overvalued range.

0.87

Repay Holdings Corp. (RPAY) has a current PS of 0.87. The 5-year average PS is 3.60. The thresholds are as follows: Strongly Undervalued below -1.20, Undervalued between -1.20 and 1.20, Fairly Valued between 5.99 and 1.20, Overvalued between 5.99 and 8.39, and Strongly Overvalued above 8.39. The current Forward PS of 0.87 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 10.09. The thresholds are as follows: Strongly Undervalued below -6.28, Undervalued between -6.28 and 1.91, Fairly Valued between 18.28 and 1.91, Overvalued between 18.28 and 26.47, and Strongly Overvalued above 26.47. 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 13.23. The thresholds are as follows: Strongly Undervalued below -7.57, Undervalued between -7.57 and 2.83, Fairly Valued between 23.63 and 2.83, Overvalued between 23.63 and 34.03, and Strongly Overvalued above 34.03. 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 0.46. Compared to its 3-year average P/B ratio of 0.81 , the current P/B ratio is approximately -43.59% higher. Relative to its 5-year average P/B ratio of 1.27, the current P/B ratio is about -64.10% higher. Repay Holdings Corp (RPAY) has a Forward Free Cash Flow (FCF) yield of approximately 36.11%. Compared to its 3-year average FCF yield of 18.41%, the current FCF yield is approximately 96.17% lower. Relative to its 5-year average FCF yield of 12.57% , the current FCF yield is about 187.37% lower.

0.46

P/B

Median3y

0.81

Median5y

1.27

36.11

FCF Yield

Median3y

18.41

Median5y

12.57

Competitors Valuation Multiple

The average P/S ratio for RPAY's competitors is 1.51, providing a benchmark for relative valuation. Repay Holdings Corp Corp (RPAY) exhibits a P/S ratio of 0.87, which is -42.29% above the industry average. Given its robust revenue growth of -1.79%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

Revenue Growth

Market Cap

Performance Decomposition

Market capitalization of RPAY decreased by 54.78% over the past 1 year. The primary factor behind the change was an decrease in P/E Change from -0.70 to -2.49.

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

256.62%

-0.70 → -2.49

P/E Change

-54.78%

7.63 → 3.45

Mkt Cap Growth

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Frequently Asked Questions

Is Repay Holdings Corp (RPAY) currently overvalued or undervalued?

What is Repay Holdings Corp (RPAY) fair value?

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. The fair price of Repay Holdings Corp (RPAY) is between 7.50 to 20.73 according to relative valuation methord.

How does RPAY's valuation metrics compare to the industry average?

What is the current P/B ratio for Repay Holdings Corp (RPAY) as of Dec 15 2025?

As of Dec 15 2025, Repay Holdings Corp (RPAY) has a P/B ratio of 0.46. This indicates that the market values RPAY at 0.46 times its book value.

What is the current FCF Yield for Repay Holdings Corp (RPAY) as of Dec 15 2025?

As of Dec 15 2025, Repay Holdings Corp (RPAY) has a FCF Yield of 36.11%. This means that for every dollar of Repay Holdings Corp’s market capitalization, the company generates 36.11 cents in free cash flow.

What is the current Forward P/E ratio for Repay Holdings Corp (RPAY) as of Dec 15 2025?

As of Dec 15 2025, Repay Holdings Corp (RPAY) has a Forward P/E ratio of 3.77. This means the market is willing to pay $3.77 for every dollar of Repay Holdings Corp’s expected earnings over the next 12 months.

What is the current Forward P/S ratio for Repay Holdings Corp (RPAY) as of Dec 15 2025?

As of Dec 15 2025, Repay Holdings Corp (RPAY) has a Forward P/S ratio of 0.87. This means the market is valuing RPAY at $0.87 for every dollar of expected revenue over the next 12 months.

RPAY Valuation