Repay Holdings Corporation (RPAY) Fair Value 2026

RPAY · Software - Infrastructure ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

5.8 /10

32 fundamental signals · 5 models active

Value Trap Risk

LOW (39/100)

Quick Summary — As of 2026-08-27, Repay Holdings Corporation (RPAY) trades at $3.78, versus a $12.56 median fair value across its 5 active models — 232.3% above the current price. QOC: 5.8/10. Value Trap Risk: 39/100 (LOW). 5/13 models active.

Key Facts

Ticker
RPAY
Price
$3.78
Quality Score
5.8/10
Value Trap Risk
39/100
Models Active
5/13
Last Updated
Strength: CUCE Ensemble suggests +311.6% upside with 13% confidence
Risk: Limited model coverage (5/13) may reduce confidence

Is Repay Holdings Corporation (RPAY) Undervalued or Overvalued in 2026?

According to CirclFi’s 5-model valuation engine, Repay Holdings Corporation (RPAY) appears undervalued as of : the median of 5 independent fair value estimates is $12.56, 232.3% above the current price of $3.78. Estimates range from $1.62 to $18.35. RPAY scores 5.8/10 on fundamental quality and 39/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.7% versus its own 13-model consensus, across 3,801 rated companies as of 2026-08-27. RPAY’s +232.3% gap is wider than that market norm, and the Software - Infrastructure sector median is -22.1%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Repay Holdings Corporation Stock in 2026? →

What Fair Value Does Each Model Give RPAY?

5 Intrinsic Value Models vs. Current Price ($3.78)

Core Models (Unlocked)
Model Fair Value Upside
Ensemble · Low Conviction
 $15.56 +311.6%
Intrinsic · High Conviction
 $1.62 -57.3%
Unlock the Full Matrix

Access 3 additional models including PWERM, FTNN Topology, and more.

$1.30 / day

Billed monthly ($39/mo) or annually ($299/yr)

Unlock All 5 Models →

Cancel anytime · No contracts · Instant access

What Is RPAY's Fair Value Range?

Spread across 5 independent models · $1.62 to $18.35

CirclFi's 5 active models place Repay Holdings Corporation (RPAY) between $1.62 and $18.35 per share, a spread of 133% of the median. The median of that range — $12.56 — is the fair value CirclFi publishes for RPAY, against a current price of $3.78.

Low · ML-RIVHigh · FTNN
$1.62median $12.56$18.35
Where the range comes from
Most bearish modelML Residual Income$1.62
Most bullish modelFTNN Topology$18.35
Model agreement4 bullish · 1 bearishwide

A band this wide is itself the finding. When independent methods land far apart, they are reading a business whose value depends heavily on which lens you apply — volatile earnings, heavy reinvestment, or an asset base that cash-flow and asset-based methods score differently. That disagreement is information: it says the choice of method matters more than usual for RPAY. Treat the median as one reading among several and compare the individual models below before acting.

Every figure above is one model's standalone output on RPAY, not a CirclFi price target. How each model works →

What Is Repay Holdings Corporation (RPAY) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Repay Holdings Corporation's intrinsic value is estimated at a median fair value of $12.56. At a current market price of $3.78, 4 of 5 active valuation models identify upside potential, projecting a median implied return of +232.3%. Notably, FTNN sees the most upside at +385.6% (fair value: $18.35), while ML-RIV is the most conservative at -57.3% ($1.62). The spread between these extremes — +442.8% — reveals how different analytical frameworks can reach starkly different conclusions.

What Do the Models Say About RPAY?

5 of 13 models are currently active for RPAY. Of these, 4 models suggest upside while 1 model suggests overvaluation. Taken together, their median fair value for RPAY is $12.56 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does RPAY Rank in Software - Infrastructure?

Among 186 Software - Infrastructure stocks, RPAY ranks #97 by Quality of Company score. CirclFi's QOC score of 5.8/10 evaluates 32 fundamental signals. A score of 5.8 reflects mixed fundamentals.

See all Most Undervalued Software - Infrastructure Stocks →

The Software - Infrastructure sector introduces analytical considerations specific to software business businesses. For Repay Holdings Corporation, metrics like gross margin profile provide important context that general-purpose valuation models may underweight.

Is RPAY a Value Trap?

CirclFi's Value Trap algorithm assigns RPAY a score of 39/100 (LOW). This indicates low risk. The financial profile does not exhibit typical value trap warning signs. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

5 of 13 models are active for Repay Holdings Corporation. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Deep Alpha Valuation Engine, Repay Holdings Corporation scores 5.8 out of 10 on our 32-signal quality assessment, a solid rating that maintains reasonable quality metrics with some areas for improvement. The QOC score synthesizes profitability margins, revenue growth reliability, debt management, and capital allocation into a single metric designed to separate durable businesses from statistically cheap ones.

The gap between the most bullish and bearish model spans +442.8% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every RPAY valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across RPAY's 5 active models, average confidence is 33%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Repay Holdings Corporation Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Software - Infrastructure Stocks Should You Also Analyze?

11 related Software - Infrastructure stocks with 13-model coverage

NTSKNetskope, Inc.QOC 5.9ATGLAlpha Technology Group LimitedQOC 5.8AIC3.ai, Inc.QOC 5.9RXTRackspace Technology, Inc.QOC 5.8AEVAAeva Technologies, Inc.QOC 5.9NNNextNav Inc.QOC 5.8SEIISharing Economy International Inc.QOC 4.9MSFTMicrosoft CorporationQOC 9.5VRSNVeriSign, Inc.QOC 8.0FTNTFortinet, Inc.QOC 9.7QLYSQualys, Inc.QOC 9.7

Read investment analysis: NTSK · ATGL · AI · RXT · AEVA · NN · SEII · MSFT · VRSN · FTNT · QLYS

Which Other Stocks Have a Similar Quality Score to RPAY?

7 companies across all industries closest to RPAY’s Quality of Company score of 5.8/10.

ANDGAndersen Group Inc.QOC 5.8QNMELakeside Holding LimitedQOC 5.8AMSTAmesite Inc.QOC 5.9XAIRBeyond Air, Inc.QOC 5.8WBIWaterBridge Infrastructure LLCQOC 5.9MBIMBIA Inc.QOC 5.8NVDANVIDIA CorporationQOC 10.0

Read investment analysis: ANDG · QNME · AMST · XAIR · WBI · MBI · NVDA

Where Does RPAY Sit in CirclFi's Software - Infrastructure Rankings?

RPAY is ranked against every other Software - Infrastructure stock CirclFi covers in each of these screens.

See all Software - Infrastructure stocks ranked →

What Else Do Investors Ask About Repay Holdings Corporation’s Valuation?

What is Repay Holdings Corporation's intrinsic value in 2026?

CirclFi puts Repay Holdings Corporation (RPAY)'s intrinsic value at $12.56 — the median of 5 independent model estimates as of 2026-08-27, ranging from $1.62 to $18.35. The Quality of Company score is 5.8/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is RPAY overvalued or undervalued right now?

At $3.78, 4 of 5 active models suggest RPAY may be undervalued, while 1 indicate potential overvaluation. The median of all 5 fair value estimates is $12.56, 232.3% above the current price of $3.78 — a consensus view that RPAY is undervalued. The assessment depends on which methodology best fits Repay Holdings Corporation's business model in Software - Infrastructure.

What does a Quality of Company score of 5.8 mean for RPAY?

Repay Holdings Corporation's QOC of 5.8/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores between 5-7 reflect moderate fundamentals with areas for improvement.

How many valuation models does CirclFi run on RPAY?

CirclFi analyzes RPAY with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 5 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on RPAY?

Of the 5 models currently active on RPAY, FTNN Topology is the most bullish at $18.35 per share, and ML Residual Income is the most bearish at $1.62. CirclFi's published fair value for RPAY is the median of that range, $12.56, not either extreme. The gap between the two ends equals 133% of the median — a wide spread, meaning the methods genuinely disagree and the median should carry less weight. Browse stocks by value-trap risk →

Is RPAY a value trap in 2026?

Repay Holdings Corporation's Value Trap score is 39/100 (LOW). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 5-model valuation engine, Repay Holdings Corporation (RPAY) has a median fair value of $12.56 — 232.3% above the current price of $3.78 — as of 2026-08-27.” Source: circlfi.com/stock/RPAY/ · Methodology
Primary sources for this RPAY valuation
  • Financial statements: Repay Holdings Corporation 10-K and 10-Q filings on SEC EDGAR (CIK 0001720592) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for RPAY as of ; valuations recomputed .

You’ve done the research. Don’t stop at half the picture.

Stop collecting opinions. Let 5 mathematical frameworks give you clarity on RPAY.

Unlock All 5 Fair Values — $39/mo

Cancel anytime · Less than a cup of coffee · Instant access

3 models hidden for RPAY Unlock All 5 — $39/mo