RPAY
Repay Holdings Corporation Class A Common Stock
SERVICES-BUSINESS SERVICES, NEC
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Repay (RPAY) Stock: Buy, Sell, or Hold?
$4.20
+0.09 (+2.31%)
▲
5d:
-11.58%
30d:
+6.33%
90d:
+9.66%
QUANTITATIVE VERDICT
WAIT
LOW Confidence (49%)
Quality Score
41/100
Position
FAIR
30-Day Fair Range
$3.92 – $4.48
Position: FAIR
Forward P/E & Valuation
4.3x
STRETCHED
vs 3.5x historical avg
Wall Street Target
$6.75
+60.7% upside
Options IV & Volume
HIGH Vol
HIGH volume confirmation
Support / Resistance
$3.59 / $4.81
Trend: Uptrend
Executive Thesis & Bottom Line
Forward Earnings Fair Value & Price Prediction →
⏸️ WAIT FOR STABILIZATION: RPAY is down 11.6% over the last 5 days. While fundamentals may be solid, catching a falling knife is risky. Wait for price to stabilize before entering.
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Interactive Price Chart (1 Month)
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Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$4.65
Based on 6.4% avg growth
INTRINSIC VALUE TODAY
$2.89
Trading above historical range
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 $4.20, which is considered fair relative to its 30-day fair value range of $3.92 to $4.48. From a valuation perspective, the stock is trading at a premium (Forward PE: 4.3) compared to its historical average (3.5). At these levels, the market is pricing in 7.0% 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 uptrend. Immediate support is located at $3.59, while resistance sits at $4.80.
Market Sentiment: RPAY scores 20/100 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 $6.75 (+60.7%). 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 $3.59, while resistance sits at $4.80.
Market Sentiment: RPAY scores 20/100 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 $6.75 (+60.7%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$3.92 -
$4.48
Company Quality Score
41/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
49.0%
Trading Range & Key Levels
30-Day Trading Range
$3.92 -
$4.48
Current vs Trading Range
FAIR
Support Level
$3.59
Resistance Level
$4.81
Current Trend
Uptrend
Technical data as of
Nov 11, 2026
Quantitative Signal Breakdown
- NEUTRAL: Price in fair range
- BEARISH: Weak technical setup (20/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 60.7% below Wall St target ($6.75)
- NEUTRAL: Trading at premium valuation - market expects 7.0% growth which is achievable
- WARNING: Composite score 41/100 in the bottom quintile — this cohort historically lags the market
Fundamental Context
Forward P/E (Next Year Est.)
4.30
Wall Street Target
$6.75
(+60.7%)
Revenue Growth (YoY)
97.4%
Profit Margin
-41.2%
Valuation Premium vs History
+7.0% premium
PE vs Historical
4.3 vs 3.5
STRETCHED
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+7.0%
(market-implied from PE analysis)
1-Year Target
$4.49
(+7%)
2-Year Target
$4.81
(+15%)
3-Year Target
$5.15
(+23%)
3-Yr Target (if PE normalizes)
(PE: 4→4)
PE COMPRESSION
$4.19
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 8.7%)
$24.92
(+493%)
Base:
(SPY PE: 4.3, Growth: 8.7%)
$5.39
(+28%)
Bear:
(PE: 3.5, Growth: 8.7%)
$4.39
(+5%)
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bloggers & journalists: you are free to use our charts with attribution.Reddit & Retail Trader Sentiment (RPAY)
Bullish
2 Retail Mentions
Reddit / WSB Comments
1
Bullish
StockTwits Volume
1 msgs
24h retail stream
Last Tracked
Jun 29, 2026
Daily AI digest
AI Retail Discussion Summary:
Repay Holdings Corporation received a revised unsolicited, non-binding proposal from Forager Capital Management to acquire the company for $5.25 per share in cash. The Board will review the proposal with financial and legal advisors, and no action is required from stockholders at this time.
Key Retail Themes:
M&A activity
Shareholder proposals
Aggregated from r/wallstreetbets, r/stocks & StockTwits streams.
View All Trending Reddit & WSB Stocks →
Last updated: November 12, 2026 3:50 AM ET
Data refreshes hourly during market hours. Next update: 4:50 AM
Data refreshes hourly during market hours. Next update: 4:50 AM
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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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