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 composite fair value of $9.82. At a current market price of $3.88, 8 of 10 active valuation models identify upside potential, projecting an average implied return of +153.1%. Notably, EROIC sees the most upside at +435.8% (fair value: $20.79), while Markov DDM is the most conservative at -90.5% ($0.37). The spread between these extremes — +526.3% — reveals how different analytical frameworks can reach starkly different conclusions.
What Do the Models Say About RPAY?
10 of 13 models are currently active for RPAY. Of these, 8 models suggest upside while 2 models suggest overvaluation. The Bayesian DCF estimates RPAY's intrinsic value at $20.39, implying +425.4% upside from the current price. See which stocks rank higher →
How Does RPAY Rank in Services-Business Services, NEC?
Among 94 Services-Business Services, NEC stocks, RPAY ranks #52 by Quality of Company score. CirclFi's QOC score of 6.8/10 evaluates 32 fundamental signals. A score of 6.8 indicates above-average quality.
See all Most Undervalued Services-Business Services, NEC Stocks →
Repay Holdings Corporation operates in a competitive landscape where fundamental quality metrics are key differentiators for long-term value creation.
Is RPAY a Value Trap?
CirclFi's Value Trap algorithm assigns RPAY a score of 17/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →
Multi-Model Methodology
10 of 13 models are active for Repay Holdings Corporation. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →
According to the CirclFi Deep Alpha Valuation Engine, Repay Holdings Corporation scores 6.8 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 +526.3% — 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 10 active models, average confidence is 39%. 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 →
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