Repay Holdings Corporation

BST:0YR Stock Report

Market Cap: €768.6m

Repay Holdings Valuation

Is 0YR undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

1/6

Valuation Score 1/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Sales vs Peers

  • Price-To-Sales vs Industry

  • Price-To-Sales vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of 0YR when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: Insufficient data to calculate 0YR's fair value for valuation analysis.

Significantly Below Fair Value: Insufficient data to calculate 0YR's fair value for valuation analysis.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for 0YR?

Key metric: As 0YR is unprofitable we use its Price-To-Sales Ratio for relative valuation analysis.

The above table shows the Price to Sales ratio for 0YR. This is calculated by dividing 0YR's market cap by their current revenue.
What is 0YR's PS Ratio?
PS Ratio2.4x
SalesUS$310.76m
Market CapUS$810.55m

Price to Sales Ratio vs Peers

How does 0YR's PS Ratio compare to its peers?

The above table shows the PS ratio for 0YR vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PSEstimated GrowthMarket Cap
Peer Average2.9x
GLJ Grenke
1.4x14.2%€717.7m
PBB Deutsche Pfandbriefbank
1.9x12.0%€702.0m
ARLN Aareal Bank
2.3x10.5%€2.0b
CHG CHAPTERS Group
6.2x20.2%€538.0m
0YR Repay Holdings
2.4x6.7%€810.6m

Price-To-Sales vs Peers: 0YR is good value based on its Price-To-Sales Ratio (2.4x) compared to the peer average (3x).

Price to Sales Ratio vs Industry

How does 0YR's PS Ratio compare vs other companies in the DE Diversified Financial Industry?

3 CompaniesPrice / SalesEstimated GrowthMarket Cap
EBEN aifinyo
0.3xn/aUS$15.51m
EBEN aifinyo
0.2xn/aUS$14.01m
CSQ creditshelf
0.005xn/aUS$29.35k
No more companies available in this PS range
0YR 2.4xIndustry Avg. 2.0xNo. of Companies3PS01.22.43.64.86+
3 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Sales vs Industry: 0YR is expensive based on its Price-To-Sales Ratio (2.4x) compared to the European Diversified Financial industry average (2x).

Price to Sales Ratio vs Fair Ratio

What is 0YR's PS Ratio compared to its Fair PS Ratio? This is the expected PS Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

0YR PS Ratio vs Fair Ratio.
Fair Ratio
Current PS Ratio2.4x
Fair PS Ration/a

Price-To-Sales vs Fair Ratio: Insufficient data to calculate 0YR's Price-To-Sales Fair Ratio for valuation analysis.

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst 0YR forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Currentn/a
€10.80
0%
16.8%€13.26€8.52n/a11
Nov ’25€7.14
€10.61
+48.6%
18.8%€14.58€8.20n/a11
Oct ’25n/a
€10.81
0%
17.2%€14.64€8.23n/a11
Sep ’25n/a
€10.81
0%
17.2%€14.64€8.23n/a11
Aug ’25€8.77
€11.14
+27.0%
15.9%€14.80€8.32n/a11
Jul ’25n/a
€11.18
0%
15.9%€14.85€8.35n/a11
Jun ’25n/a
€11.18
0%
15.9%€14.85€8.35n/a11
May ’25n/a
€10.84
0%
16.5%€14.74€8.29n/a11
Apr ’25n/a
€10.74
0%
17.6%€14.76€8.30n/a11
Mar ’25n/a
€10.34
0%
22.8%€14.76€6.92n/a12
Feb ’25n/a
€9.56
0%
25.1%€14.70€6.89n/a11
Jan ’25n/a
€9.34
0%
27.1%€14.68€6.88n/a11
Dec ’24n/a
€9.53
0%
27.1%€14.97€7.02n/a11
Nov ’24n/a
€9.96
0%
27.0%€15.11€7.08€7.1411
Oct ’24n/a
€10.62
0%
23.1%€14.97€7.96n/a10
Sep ’24n/a
€10.37
0%
23.1%€14.62€7.76n/a10
Aug ’24n/a
€9.73
0%
30.0%€14.62€6.39€8.7710
Jul ’24n/a
€9.73
0%
30.0%€14.62€6.39n/a10
Jun ’24n/a
€9.63
0%
30.3%€14.74€6.45n/a10
May ’24n/a
€10.63
0%
33.4%€18.41€6.44n/a10
Apr ’24n/a
€11.05
0%
31.2%€18.81€7.52n/a10
Mar ’24n/a
€11.20
0%
30.4%€18.90€7.56n/a10
Feb ’24n/a
€11.07
0%
32.2%€18.38€7.35n/a10
Jan ’24n/a
€10.57
0%
37.3%€18.99€6.65n/a11
Dec ’23n/a
€10.51
0%
39.1%€19.35€6.77n/a11
Nov ’23n/a
€13.33
0%
26.0%€20.28€8.11n/a10

Analyst Forecast: Target price is more than 20% higher than the current share price, but analysts are not within a statistically confident range of agreement.

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