Repay Holdings Corp

Repay Holdings Corp (RPAY) Stock Analysis

$4.580

+0.166 (+3.62%)At close

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High
4.600
Open
4.430
VWAP
4.52
Volume
298.15K
Mkt Cap
972.59M
Low
4.370
Amount
1.35M
EV/EBITDA, TTM
12.81

Repay Holdings Corporation is a payments technology company. The Company provides integrated payment processing solutions to industry-oriented vertical markets in which businesses have specific transaction processing needs. Its segments include Consumer Payments and Business Payments. The Consumer Payments segment provides payment processing solutions, including debit and credit card processing, Automated Clearing House (ACH) processing and other electronic payment acceptance solutions, as well as its loan disbursement product that enables its clients to collect payments and disburse funds to consumers, and includes its clearing and settlement solutions (RCS) offering. Its Business Payments segment provides payment processing solutions, including accounts payable automation, debit and credit card processing, virtual credit card processing, ACH processing and other electronic payment acceptance solutions that enable its clients to collect or send payments to other businesses.

www.repay.com

AI analysis of Repay Holdings Corp (RPAY)

Buy

Repay Holdings Corp is a good buy right now due to its current price of $4.36, which is significantly below the acquisition offer of $5.25, suggesting a potential upside of 20.4%. Additionally, the stock has shown a strong recent performance with a 5-day change of +8.19% and a year-to-date change of +20.44%. However, the main risk is the downgrade from Stephens, which indicates potential downward pressure on the stock, with a revised target of $3.75.

Valuation Metrics

The current forward P/E ratio for Repay Holdings Corp (RPAY) is 5.82, compared to its 5-year average forward P/E of 9.25.

Forward P/E

Fair
5Y Average P/E
9.25
Current P/E
5.82
Overvalued
13.59
Undervalued
4.91

Forward EV/EBITDA

Overvalued
5Y Average EV/EBITDA
7.88
Current EV/EBITDA
12.81
Overvalued
11.90
Undervalued
3.87

Forward P/S

Undervalued
5Y Average P/S
2.27
Current P/S
0.62
Overvalued
3.58
Undervalued
0.95

Alphio AI Price Scenarios for RPAY

Scenario prices are the last monthly forecast band of the current year. Probabilities are fixed model weights (25 / 50 / 25), not guarantees.

B

Bull

Bull · 25%RPAY

$5.80

Scenario price

B

Base

Base · 50%RPAY

$5.41

Scenario price

B

Bear

Bear · 25%RPAY

$5.28

Scenario price

Events Timeline

2026-10-13 (ET)

09:00:00

Repay Holdings Partners with Emburse to Enhance Financial Control

2026-08-10 (ET)

16:30:00

Raises FY26 Adjusted EBITDA Outlook to $168.5M-$176M

16:30:00

REPAY Q2 Revenue $100.71M, Below Consensus

2026-07-16 (ET)

09:00:00

Repay Holdings Forms Strategic Partnership with Financial Service Providers

2026-07-13 (ET)

18:00:00

Repay Holdings Rejects Forager's $5.25 Per Share Acquisition Proposal

News

RPAY FAQ — answered by Alphio AI

Repay Holdings Corporation is a payments technology company. The Company provides integrated payment processing solutions to industry-oriented vertical markets in which businesses have specific transaction processing needs. Its segments include Consumer Payments and Business Payments. The Consumer Payments segment provides payment processing solutions, including debit and credit card processing, Automated Clearing House (ACH) processing and other electronic payment acceptance solutions, as well as its loan disbursement product that enables its clients to collect payments and disburse funds to consumers, and includes its clearing and settlement solutions (RCS) offering. Its Business Payments segment provides payment processing solutions, including accounts payable automation, debit and credit card processing, virtual credit card processing, ACH processing and other electronic payment acceptance solutions that enable its clients to collect or send payments to other businesses. It operates in the Industrials sector (SERVICES-BUSINESS SERVICES, NEC industry).

Repay Holdings Corp is a good buy right now due to its current price of $4.36, which is significantly below the acquisition offer of $5.25, suggesting a potential upside of 20.4%. Additionally, the stock has shown a strong recent performance with a 5-day change of +8.19% and a year-to-date change of +20.44%. However, the main risk is the downgrade from Stephens, which indicates potential downward pressure on the stock, with a revised target of $3.75.

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This page is for research only and is not investment advice. Models can be wrong. Past performance does not guarantee future results.

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