Repay (RPAY) Stock: Buy, Sell, or Hold?
RPAY - Repay Holdings Corporation Class A Common Stock
$3.82
0.09 (2.41%)
â˛
5d:
+0.79%
30d:
-0.26%
90d:
-8.61%
WAIT
LOW Confidence
Analysis Updated: Oct 2, 2026 12:00 AM ET
Earnings: Nov 09, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
âšī¸ NEUTRAL: RPAY is fairly priced but lacks strong directional signals. At -1.9% expected growth, valuation appears fair. Wait for clearer setup or better entry on dips.
âšī¸ NEUTRAL: RPAY is fairly priced but lacks strong directional signals. At -1.9% expected growth, valuation appears fair. Wait for clearer setup or better entry on dips.
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
14.7% 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 $3.82, which is considered fair relative to its 30-day fair value range of $3.63 to $3.89. The stock's valuation (Forward PE: 3.3) is in line with its historical norms (3.5). Remarkably, the market is currently pricing in an annual earnings decline of 1.9% over the next few years. This aligns with recent fundamental challenges.
Technical Outlook: Technically, RPAY is in a uptrend. Immediate support is located at $3.60, while resistance sits at $4.01.
Market Sentiment: RPAY scores 31/100 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 (+79.3%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, RPAY is in a uptrend. Immediate support is located at $3.60, while resistance sits at $4.01.
Market Sentiment: RPAY scores 31/100 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 (+79.3%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$3.63 -
$3.89
Company Quality Score
45/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
50.0%
All Signals
- NEUTRAL: Price in fair range
- BEARISH: Weak technical setup (31/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 79.3% below Wall St target ($6.85)
- WARNING: Composite score 45/100 in the bottom quintile â this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$3.63 -
$3.89
Current vs Trading Range
FAIR
Support & Resistance Levels
Support Level
$3.60
Resistance Level
$4.01
Current Trend
Uptrend
Technical data as of
Oct 2, 2026
Fundamental Context
Forward P/E (Next Year Est.)
3.28
Wall Street Target
$6.85
(+79.3%)
Revenue Growth (YoY)
33.2%
Profit Margin
-49.6%
Valuation Discount vs History
-1.9% cheaper
PE vs Historical
3.3 vs 3.5
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-1.9%
(market-implied from PE analysis)
1-Year Target
$3.75
(-2%)
2-Year Target
$3.68
(-4%)
3-Year Target
$3.61
(-6%)
3-Yr Target (if PE normalizes)
(PE: 3â4)
$3.85
(+1%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.4, Growth: 20.5%)
$41.56
(+988%)
Base:
(SPY PE: 3.3, Growth: 20.5%)
$6.68
(+75%)
Bear:
(PE: 2.8, Growth: 20.5%)
$5.68
(+49%)
đĄ
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 3.3 to 3.5
Stabilization Target:
$4.08
(+6.7%)
PE Expansion Potential:
+6.7%
Share & Embed Analysis
Last updated: October 03, 2026 12:03 AM ET
Data refreshes hourly during market hours. Next update: 1:03 AM
Data refreshes hourly during market hours. Next update: 1:03 AM
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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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