Repay (RPAY) Stock: Buy, Sell, or Hold?
RPAY - Repay Holdings Corporation Class A Common Stock
$3.56
0.00 (0.00%)
▲
5d:
-8.25%
30d:
-5.32%
90d:
+4.09%
WAIT
LOW Confidence
Analysis Updated: Sep 11, 2026 12:00 AM ET
Earnings: Aug 10, 2026
0d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 MIXED SIGNALS: RPAY shows conflicting indicators. Wait for confirmation before entering.
📊 MIXED SIGNALS: RPAY shows conflicting indicators. Wait for confirmation before entering.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$7.21
Based on 12.3% avg growth
INTRINSIC VALUE TODAY
$4.48
20.5% Margin of Safety
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 3.5x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: RPAY is currently trading at $3.56, which is considered oversold relative to its 30-day fair value range of $3.61 to $3.93. From a valuation perspective, the stock is trading at a discount (Forward PE: 3.1) compared to its historical average (3.5). Remarkably, the market is currently pricing in an annual earnings decline of 4.3% over the next few years. This aligns with recent fundamental challenges.
Technical Outlook: Technically, RPAY is in a uptrend. The price is currently testing key support at $3.49. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: RPAY scores 26/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $6.85 (+92.4%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, RPAY is in a uptrend. The price is currently testing key support at $3.49. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: RPAY scores 26/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $6.85 (+92.4%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$3.61 -
$3.93
Company Quality Score
42/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
57.1%
All Signals
- BULLISH: Price oversold vs 30-day range
- BEARISH: Weak technical setup (26/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 92.4% below Wall St target ($6.85)
- WARNING: Composite score 42/100 in the bottom quintile — this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$3.61 -
$3.93
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$3.49
Resistance Level
$3.90
Current Trend
Uptrend
Technical data as of
Sep 11, 2026
Fundamental Context
Forward P/E (Next Year Est.)
3.06
Wall Street Target
$6.85
(+92.4%)
Revenue Growth (YoY)
33.2%
Profit Margin
-49.6%
Valuation Discount vs History
-4.3% cheaper
PE vs Historical
3.1 vs 3.5
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-4.3%
(market-implied from PE analysis)
1-Year Target
$3.41
(-4%)
2-Year Target
$3.26
(-8%)
3-Year Target
$3.12
(-12%)
3-Yr Target (if PE normalizes)
(PE: 3→4)
$3.57
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.2, Growth: 20.5%)
$41.10
(+1054%)
Base:
(SPY PE: 3.1, Growth: 20.5%)
$6.23
(+75%)
Bear:
(PE: 2.6, Growth: 20.5%)
$5.29
(+49%)
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 3.1 to 3.5
Stabilization Target:
$4.08
(+14.5%)
PE Expansion Potential:
+14.5%
Share & Embed Analysis
Last updated: September 12, 2026 10:17 PM ET
Data refreshes hourly during market hours. Next update: 11:17 PM
Data refreshes hourly during market hours. Next update: 11:17 PM
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Technical Signals Check
Is RPAY showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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