What is Repay Holdings Corp (RPAY)'s fair-value range?

EvidInvest reads Repay Holdings Corp (RPAY)'s market price back into the assumptions behind it — the implied P/E, growth rate and cash yield — using its latest filed financials, then lets you set your own. See the full DCF, Graham number, EPV and multiple-based methods at https://evidinvest.com/valuation/RPAY.

How is Repay Holdings Corp (RPAY)'s fair value calculated?

Repay Holdings Corp (RPAY)'s fair value is computed with several independent methods — a discounted cash flow (DCF) model, the Graham number, earnings power value (EPV), and valuation multiples such as PE and EV/EBITDA — using data from SEC filings. P/B is optional for non-financial companies and included in the preset range for financial sectors.

What is Repay Holdings Corp (RPAY)'s PE ratio versus its industry?

EvidInvest shows Repay Holdings Corp (RPAY)'s current and historical PE ratio alongside its sector and industry averages, so you can see whether the stock trades at a premium or discount to peers. Full breakdown at https://evidinvest.com/valuation/RPAY.

Fair value · Repay Holdings Corp (RPAY) · updated 2026-10-22 · from 10-K FY2025

Repay Holdings (RPAY): not enough filed data to read assumptions out of the price yet.

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.

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The filing behind these numbers

Repay Holdings Corp

Revenue: $309.3M
Diluted EPS: $-3.00
Free cash flow: $90.8M; operating cash flow − capital expenditure
Diluted shares: 85.56B; weighted average

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.gov

Valuation tool: build your own RPAY range

Fair Value Summary

Daily Price — RPAY

$4.16 -6.5% (1Y)

Your range1 of 7 methods

At least two methods need a usable value to draw a range with these inputs.

Range with preset inputs

$0.02 – $0.02

Price $4.16

Bear $0.02Base $0.02Bull $0.02

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

Two-stage FCF model at the same filed inputs: $0.01 — move any slider below and that model takes over.

• Starting free cash flow is not positive; the model has nothing to grow.

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.

Your inputs

Free cash flow grows at your stage-1 rate, then your stage-2 rate, then a terminal rate; everything is discounted at your WACC.

Stage-1 growth5.0%

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.

-20.0%60.0%

Stage-1 years5 yrs

How long stage-1 growth lasts.

1 yrs10 yrs

Stage-2 growth2.5%

Slower growth after stage 1, before the terminal phase.

-20.0%30.0%

Stage-2 years5 yrs

0 yrs10 yrs

Terminal growth2.5%

Growth forever after the two stages. Above ~3% is rarely justified.

0.0%5.0%

Discount rate (WACC)9.75%

The return you require. Default is the WACC EvidInvest computed for this company. Higher discount rate, lower value.

3.00%15.00%

Net debt ($M)Debt minus cash, from the balance sheet. Subtracted from enterprise value.

Starting FCF ($M)Latest free cash flow from the filing (operating cash flow minus capex).

Shares (M)Diluted shares, from the filing.

Year by year (two-stage model, $M)

PV explicit $698M · PV terminal $733M · EV $1,430M · equity $1,109M

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

Free cash flow: $110.1M; sum of the last four quarters
EBIT: $-254.7M; latest annual
Shares: 83.29B
Total debt: $436.9M
Cash: $115.7M
Net debt: $321.2M; debt − cash

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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Download the full RPAY valuation report (PDF) — free

DCF fair value, Graham number, EPV, key multiples and growth rates in one clean PDF.

Options positioning

Full options view: walls, IV term structure, smile →

0.03

Put/Call (OI)

call-heavy

0.00

Put/Call (volume)

140%

ATM IV ~30d

Call wall

0k OI

$2.5

Put wall

0k OI

As of previous close (2026-10-21) · OPRA historical data · walls = largest open-interest strikes above/below spot · market-wide positioning

Repay Holdings (RPAY): not enough filed data to read assumptions out of the price yet.

The filing behind these numbers

Valuation tool: build your own RPAY range

Daily Price — RPAY

Your range1 of 7 methods

Range with preset inputs

Your inputs

Year by year (two-stage model, $M)

Options positioning

More on RPAY

Compare with peers

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Valuation tool: build your own RPAY range

Daily Price — RPAY

Your range1 of 7 methods

Range with preset inputs

Your inputs

Year by year (two-stage model, $M)

Options positioning

More on RPAY

Compare with peers

Explore