Repay Holdings Corporation

Repay Holdings Corporation

RPAYยทNASDAQ

$3.65

-7.1%
TechnologySoftware - Infrastructure

Repay Holdings Corporation provides integrated payment processing solutions to industry-oriented markets. The company's payment processing solutions enable consumers and businesses to make payments using electronic payment methods. It also offers a range of solutions relating to electronic payment methods, including credit and debit processing, virtual credit card processing, automated clearing house (ACH) processing, enhanced ACH processing, and instant funding that are processed through its proprietary payment channels, such as Web-based, mobile application, text-to-pay, interactive voice response, and point of sale. In addition, the company provides payment processing solutions to customers primarily operating in the personal loans, automotive loans, receivables management, and business-to-business verticals. It sells its products through direct sales representatives and software integration partners. The company was founded in 2006 and is headquartered in Atlanta, Georgia.

At a Glance

Live Snapshot
Market Cap$321.52M
EPS-3.0000
P/E Ratio-1.22
Earnings Date08/10/2026
Repay Holdings Corporation

Repay Holdings Corporation Fair Value Envelope

RPAY ยท NASDAQ

Our analysis suggests that RPAY has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $3.65, this represents a potential HIDDEN relative to our calculated worth for Repay Holdings Corporation.

Intrinsic Value
Current Price: $3.65

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

$
%
$
%
$
$

Projection Settings

Forecast period and terminal assumptions

%
%

DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$497.3M
+ Cash & Equivalents$115.7M
Firm Value$613.0M
- Debt$436.9M
Equity Value$176.1M
/ Shares Outstanding88,575,059B
DCF Value$2
OVERVALUED BY 46%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$78.9M
$68.3M
$59.1M
$51.2M
$44.3M
$38.4M
$33.2M
$28.8M
$24.9M
$21.6M
Maintenance CapEx
-$49.5K
-$42.9K
-$37.1K
-$32.1K
-$27.8K
-$24.1K
-$20.9K
-$18.1K
-$15.6K
-$13.5K
Owner Earnings
$78.8M
$68.3M
$59.1M
$51.2M
$44.3M
$38.3M
$33.2M
$28.7M
$24.9M
$21.5M
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$73.0M
$58.5M
$46.9M
$37.6M
$30.1M
$24.2M
$19.4M
$15.5M
$12.4M
$10.0M
Terminal Value represents 34.1% of Enterprise Value