RPAY Stock Analysis: Buy, Sell, or Hold?
RPAY - Repay Holdings Corporation Class A Common Stock
$4.14
0.14 (3.50%)
▲
5d:
+2.48%
30d:
-2.36%
90d:
+7.25%
BUY
HIGH Confidence
Analysis Updated: Jul 31, 2026 12:00 AM ET
Earnings: Aug 10, 2026
6d
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Interactive Price Chart (1 Month)
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Bottom Line:
🚀 STRONG BUY: RPAY shows excellent value with unusually cheap options (IV 13th percentile) and market pricing in only 1.9% annual growth despite strong fundamentals. High conviction opportunity.
🚀 STRONG BUY: RPAY shows excellent value with unusually cheap options (IV 13th percentile) and market pricing in only 1.9% annual growth despite strong fundamentals. High conviction opportunity.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$7.00
Based on 12.6% avg growth
INTRINSIC VALUE TODAY
$4.35
4.8% 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 $4.14, which is considered slightly high relative to its 30-day fair value range of $3.71 to $4.19. The stock's valuation (Forward PE: 3.7) is in line with its historical norms (3.5). At these levels, the market is pricing in 1.9% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, RPAY is in a strong uptrend. The price is approaching resistance at $4.22. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation. The stock is showing strong short-term momentum, up 3.5% recently.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. In the options market, Implied Volatility is low (13th percentile), suggesting options premiums are relatively cheap. This makes it an attractive time for long options strategies if you have a directional bias. Wall Street analysts see significant upside, with an average price target of $6.85 (+65.5%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, RPAY is in a strong uptrend. The price is approaching resistance at $4.22. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation. The stock is showing strong short-term momentum, up 3.5% recently.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. In the options market, Implied Volatility is low (13th percentile), suggesting options premiums are relatively cheap. This makes it an attractive time for long options strategies if you have a directional bias. Wall Street analysts see significant upside, with an average price target of $6.85 (+65.5%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
SLIGHTLY HIGH
Historical Trading Range
$3.71 -
$4.19
Company Quality Score
58/100
(HOLD)
Options IV Signal
13th percentile
(LOW)
Volume Confirmation
HIGH
Confidence Score
76.5%
All Signals
- BULLISH: Options cheap (IV 13th percentile)
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- BULLISH: Strong upward momentum (+3.5%)
- BULLISH: Trading 65.5% below Wall St target ($6.85)
- NEUTRAL: Market pricing in 1.9% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$3.71 -
$4.19
Current vs Trading Range
SLIGHTLY HIGH
Expected Move (7 Days)
±$0.85
(20.5%)
Support & Resistance Levels
Support Level
$3.48
Resistance Level
$4.23
Current Trend
Strong Uptrend
Technical data as of
Aug 3, 2026
Fundamental Context
Forward P/E (Next Year Est.)
3.72
Wall Street Target
$6.85
(+65.5%)
Revenue Growth (YoY)
4.5%
Profit Margin
-82.7%
Valuation Premium vs History
+1.9% premium
PE vs Historical
3.7 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
$4.22
(+2%)
2-Year Target
$4.30
(+4%)
3-Year Target
$4.38
(+6%)
3-Yr Target (if PE normalizes)
(PE: 4→4)
PE COMPRESSION
$4.12
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.7, Growth: 21.2%)
$41.08
(+892%)
Base:
(SPY PE: 3.7, Growth: 21.2%)
$7.37
(+78%)
Bear:
(PE: 3.2, Growth: 21.2%)
$6.26
(+51%)
Share & Embed Analysis
Last updated: August 03, 2026 5:55 PM ET
Data refreshes hourly during market hours. Next update: 6:55 PM
Data refreshes hourly during market hours. Next update: 6:55 PM
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| Ticker | Score | Recommendation | Change % |
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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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