Repay Holdings Corp (RPAY) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Repay Holdings Corp stock (RPAY) is currently trading at $3.08. Repay Holdings Corp PS ratio (Price-to-Sales) is 0.79. Analyst consensus price target for RPAY is $6.57. WallStSmart rates RPAY as Sell.
- RPAY PE ratio analysis and historical PE chart
- RPAY PS ratio (Price-to-Sales) history and trend
- RPAY intrinsic value — DCF, Graham Number, EPV models
- RPAY stock price prediction 2025 2026 2027 2028 2029 2030
- RPAY fair value vs current price
- RPAY insider transactions and insider buying
- Is RPAY undervalued or overvalued?
- Repay Holdings Corp financial analysis — revenue, earnings, cash flow
- RPAY Piotroski F-Score and Altman Z-Score
- RPAY analyst price target and Smart Rating
Repay Holdings Corp
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Smart Analysis
Repay Holdings Corp (RPAY) · 8 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in price/sales, price/book, institutional own.. Concerns around market cap and return on equity. Mixed signals suggest waiting for clearer direction before acting.
Repay Holdings Corp (RPAY) Key Strengths (3)
Paying less than $1 for every $1 of annual revenue
Trading below book value, meaning the market prices it less than net assets
109.42% of shares held by major funds and institutions
Supporting Valuation Data
Repay Holdings Corp (RPAY) Areas to Watch (5)
Company is destroying shareholder value
Losing money on operations
Company is losing money with a negative profit margin
Revenue growing slowly at 0.40% annually
Micro-cap company with very limited liquidity and high volatility
Repay Holdings Corp (RPAY) Detailed Analysis Report
Overall Assessment
This company scores 37/100 in our Smart Analysis, earning a F grade. Out of 8 metrics analyzed, 3 register as strengths (avg 10.0/10) while 5 fall into concern territory (avg 1.0/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Price/Sales, Price/Book, Institutional Own.. Valuation metrics including Price/Sales (0.79), Price/Book (0.44) suggest the stock is attractively priced.
The Bear Case
The primary concerns are Return on Equity, Operating Margin, Profit Margin. Growth concerns include Revenue Growth at 0.40%, which may limit upside. Profitability pressure is visible in Return on Equity at -43.20%, Operating Margin at -5.70%, Profit Margin at -83.00%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at -43.20% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 0.40% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a higher risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Fundamental challenges outweigh strengths at current levels. Return on Equity and Operating Margin are the primary drags. Consider waiting for meaningful improvement before committing capital.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
RPAY Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
RPAY's Price-to-Sales ratio of 0.79x sits near its historical average of 0.82x (14th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 15% below its historical high of 0.92x set in Mar 2026, and 5% above its historical low of 0.75x in Mar 2026.
Compare RPAY with Competitors
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Data-driven financial summary for Repay Holdings Corp (RPAY) · TECHNOLOGY › SOFTWARE - INFRASTRUCTURE
The Big Picture
Repay Holdings Corp is in a turnaround phase, with management focused on restoring profitability. Revenue reached 309M with 0% growth year-over-year. The company is currently unprofitable, posting a -83.0% profit margin.
Key Findings
Generating 23M in free cash flow and 23M in operating cash flow. Earnings are translating into actual cash generation.
The company is unprofitable with a -83.0% profit margin. The path to breakeven will be the key catalyst.
What to Watch Next
Volatility is elevated with a beta of 1.62, so expect amplified moves relative to the broader market.
Debt management: total debt of 437M is significantly higher than cash (96M). Monitor refinancing risk.
Sector dynamics: monitor SOFTWARE - INFRASTRUCTURE industry trends, competitive moves, and regulatory changes that could impact Repay Holdings Corp.
Bottom Line
Repay Holdings Corp is in turnaround mode. The path to profitability remains the critical question. Speculative investors may see opportunity in the recovery story, but conservative investors should wait for consistent positive earnings before committing capital.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(28 last 3 months)
Data sourced from SEC Form 4 filings
Last updated: 11:50:09 AM
About Repay Holdings Corp(RPAY)
NASDAQ
TECHNOLOGY
SOFTWARE - INFRASTRUCTURE
USA
Repay Holdings Corporation provides integrated payment processing solutions to industry-oriented markets. The company is headquartered in Atlanta, Georgia.