Repay Holdings Corporation

NasdaqCM:RPAY Stock Report

Market Cap: US$692.8m

Repay Holdings Valuation

Is RPAY 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 RPAY when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

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

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

Key Valuation Metric

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

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

The above table shows the Price to Sales ratio for RPAY. This is calculated by dividing RPAY's market cap by their current revenue.
What is RPAY's PS Ratio?
PS Ratio2.1x
SalesUS$310.76m
Market CapUS$692.76m

Price to Sales Ratio vs Peers

How does RPAY's PS Ratio compare to its peers?

The above table shows the PS ratio for RPAY vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PSEstimated GrowthMarket Cap
Peer Average1.8x
CASS Cass Information Systems
2.8x1.9%US$605.1m
CTLP Cantaloupe
2.7x14.9%US$779.3m
IMXI International Money Express
0.9x2.9%US$573.1m
PRTH Priority Technology Holdings
1x10.6%US$880.4m
RPAY Repay Holdings
2.1x6.2%US$692.8m

Price-To-Sales vs Peers: RPAY is expensive based on its Price-To-Sales Ratio (2.1x) compared to the peer average (1.8x).

Price to Sales Ratio vs Industry

How does RPAY's PS Ratio compare vs other companies in the US Diversified Financial Industry?

12 CompaniesPrice / SalesEstimated GrowthMarket Cap
RKT Rocket Companies
0.4x22.2%US$26.13b
UWMC UWM Holdings
0.4x11.5%US$10.21b
FOA Finance of America Companies
0.3x-24.8%US$567.64m
LDI loanDepot
0.3x18.4%US$539.55m
RPAY 2.1xIndustry Avg. 2.7xNo. of Companies16PS0246810+
12 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Sales vs Industry: RPAY is good value based on its Price-To-Sales Ratio (2.1x) compared to the US Diversified Financial industry average (2.7x).

Price to Sales Ratio vs Fair Ratio

What is RPAY'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.

RPAY PS Ratio vs Fair Ratio.
Fair Ratio
Current PS Ratio2.1x
Fair PS Ratio2.1x

Price-To-Sales vs Fair Ratio: RPAY is expensive based on its Price-To-Sales Ratio (2.1x) compared to the estimated Fair Price-To-Sales Ratio (2.1x).

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 RPAY forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUS$7.41
US$11.14
+50.3%
17.8%US$14.00US$8.00n/a11
Feb ’26US$7.47
US$11.14
+49.1%
17.8%US$14.00US$8.00n/a11
Jan ’26US$7.63
US$11.41
+49.5%
16.8%US$14.00US$9.00n/a11
Dec ’25US$8.08
US$11.41
+41.2%
16.8%US$14.00US$9.00n/a11
Nov ’25US$7.85
US$11.64
+48.2%
18.8%US$16.00US$9.00n/a11
Oct ’25US$7.99
US$11.82
+47.9%
17.2%US$16.00US$9.00n/a11
Sep ’25US$8.46
US$11.82
+39.7%
17.2%US$16.00US$9.00n/a11
Aug ’25US$9.36
US$12.05
+28.7%
15.9%US$16.00US$9.00n/a11
Jul ’25US$10.43
US$12.05
+15.5%
15.9%US$16.00US$9.00n/a11
Jun ’25US$9.74
US$12.05
+23.7%
15.9%US$16.00US$9.00n/a11
May ’25US$10.16
US$11.77
+15.9%
16.5%US$16.00US$9.00n/a11
Apr ’25US$10.78
US$11.64
+7.9%
17.6%US$16.00US$9.00n/a11
Mar ’25US$9.89
US$11.21
+13.3%
22.8%US$16.00US$7.50n/a12
Feb ’25US$8.16
US$10.41
+27.6%
25.1%US$16.00US$7.50US$7.4711
Jan ’25US$8.54
US$10.18
+19.2%
27.1%US$16.00US$7.50US$7.6311
Dec ’24US$7.62
US$10.18
+33.6%
27.1%US$16.00US$7.50US$8.0811
Nov ’24US$6.03
US$10.55
+74.9%
27.0%US$16.00US$7.50US$7.8511
Oct ’24US$7.59
US$11.35
+49.5%
23.1%US$16.00US$8.50US$7.9910
Sep ’24US$9.45
US$11.35
+20.1%
23.1%US$16.00US$8.50US$8.4610
Aug ’24US$8.51
US$10.65
+25.1%
30.0%US$16.00US$7.00US$9.3610
Jul ’24US$7.83
US$10.65
+36.0%
30.0%US$16.00US$7.00US$10.4310
Jun ’24US$6.74
US$10.45
+55.0%
30.3%US$16.00US$7.00US$9.7410
May ’24US$6.14
US$11.55
+88.1%
33.4%US$20.00US$7.00US$10.1610
Apr ’24US$6.57
US$11.75
+78.8%
31.2%US$20.00US$8.00US$10.7810
Mar ’24US$8.10
US$11.85
+46.3%
30.4%US$20.00US$8.00US$9.8910
Feb ’24US$9.98
US$12.05
+20.7%
32.2%US$20.00US$8.00US$8.1610
Analyst Price Target
Consensus Narrative from 11 Analysts
US$11.14
Fair Value
33.5% undervalued intrinsic discount
11
Number of Analysts

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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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/02/16 00:42
End of Day Share Price 2025/02/14 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Repay Holdings Corporation is covered by 17 analysts. 10 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Ramsey El-AssalBarclays
Mark PalmerBenchmark Company
Rufus HoneBMO Capital Markets Equity Research