Fair value · Repay Holdings Corp (RPAY) · updated 2026-09-07 · from 10-K FY2025
These methods need positive earnings and cash flow from the company’s SEC filings. The detailed valuation tools below still work with whatever has been filed.
10-K FY2025 · fiscal year ended 2025-12-31 · filed 2026-03-09 · accession 0001193125-26-098518
Trailing-twelve-month EPS also uses the quarterly 10-Qs through Q2 FY2026 (filed 2026-08-10).
Open this filing on sec.gov0.06
Put/Call (OI)
call-heavy
3.00
Put/Call (volume)
95%
ATM IV ~30d
$5
Call wall
0k OI
$2.5
Put wall
0k OI
As of previous close (2026-09-04) · OPRA historical data · walls = largest open-interest strikes above/below spot · market-wide positioning
At least two methods need a usable value to draw a range with these inputs.
The two ranges are identical because every input sits on a preset.
We don’t tell you what RPAY is worth. Every tab OPENS on what today’s price implies for that method’s key assumption; you decide whether that assumption is reasonable — the growth matrix has RPAY’s filed history and the AI chat will reason it through with you — and the range you build is yours. Our presets are filed history and reference settings, never a recommendation.
Discounted cash flow
N/A
Starting free cash flow is not positive; the model has nothing to grow.
Preset inputs — revenue-driven DCF from the latest filing
Implied by today’s price
The price implies stage-1 FCF growth of 200.0%. Even 200% yearly free-cash-flow growth lands below today’s price with the other inputs held; 200% is the edge of what this model can show.
Not solvable from the price — Even 200% yearly free-cash-flow growth lands below today’s price with the other inputs held; 200% is the edge of what this model can show. Showing preset inputs.
Implied discount rate (holding growth): 2.5% · the WACC that makes the same model print the price
That is the assumption the market is making — not ours, and not a recommendation. Decide whether it is reasonable: the growth matrix shows what RPAY has actually filed, and the AI chat will reason it through with you.
Free cash flow grows at your stage-1 rate, then your stage-2 rate, then a terminal rate; everything is discounted at your WACC.
Yearly free-cash-flow growth for the first stage. Starts below zero so a shrinking-cash-flow case — and the rate today’s price implies — can be set.
How long stage-1 growth lasts.
Slower growth after stage 1, before the terminal phase.
Growth forever after the two stages. Above ~3% is rarely justified.
The return you require. Default is the WACC EvidInvest computed for this company. Higher discount rate, lower value.
| Year | Stage | FCF | Present value |
|---|---|---|---|
| 1 | Stage 1 | $96M | $87M |
| 2 | Stage 1 | $100M | $83M |
| 3 | Stage 1 | $105M | $80M |
| 4 | Stage 1 | $111M | $76M |
| 5 | Stage 1 | $116M | $73M |
| 6 | Stage 2 | $119M | $68M |
| 7 | Stage 2 | $122M | $64M |
| 8 | Stage 2 | $125M | $59M |
| 9 | Stage 2 | $128M | $55M |
| 10 | Stage 2 | $131M | $52M |
Inputs from the filing
10-K FY2025 · period ended 2025-12-31 · filed 2026-03-09 · accession 0001193125-26-098518 · sec.gov
Prefer a blank slate with reverse DCF? Open the standalone DCF / reverse DCF for RPAY
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DCF fair value, Graham number, EPV, key multiples and growth rates in one clean PDF.