RPAY Stock Analysis: Buy, Sell, or Hold?
RPAY - Repay Holdings Corporation Class A Common Stock
$4.01
0.15 (3.89%)
▲
5d:
+9.56%
30d:
+11.39%
90d:
+19.7%
BUY
MODERATE Confidence
Analysis Updated: Aug 21, 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:
💡 BUY OPPORTUNITY: RPAY shows positive signals but monitor for confirmation. Market pricing in 3.6% decline. Moderate conviction.
💡 BUY OPPORTUNITY: RPAY shows positive signals but monitor for confirmation. Market pricing in 3.6% decline. Moderate conviction.
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
10.5% 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 $4.01, which is considered slightly high relative to its 30-day fair value range of $3.70 to $4.06. 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 3.6% over the next few years. This aligns with recent fundamental challenges.
Technical Outlook: Technically, RPAY is in a uptrend. The price is approaching resistance at $4.01. 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 3.9% recently.
Market Sentiment: RPAY scores 64/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. 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 (+86.6%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, RPAY is in a uptrend. The price is approaching resistance at $4.01. 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 3.9% recently.
Market Sentiment: RPAY scores 64/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. 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 (+86.6%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
SLIGHTLY HIGH
Historical Trading Range
$3.70 -
$4.06
Company Quality Score
56/100
(HOLD)
Options IV Signal
13th percentile
(LOW)
Volume Confirmation
HIGH
Confidence Score
84.6%
All Signals
- BULLISH: Options cheap (IV 13th percentile)
- BULLISH: Strong technical setup (64/100)
- BULLISH: High volume confirmation
- BULLISH: Strong upward momentum (+3.9%)
- BULLISH: Trading 86.6% below Wall St target ($6.85)
- BULLISH: Bottoming setup score 64/100 — corrected, stabilizing, and turning up
Trading Range Analysis
30-Day Trading Range
$3.70 -
$4.06
Current vs Trading Range
SLIGHTLY HIGH
Expected Move (7 Days)
±$0.82
(20.5%)
Support & Resistance Levels
Support Level
$3.48
Resistance Level
$4.01
Current Trend
Uptrend
Technical data as of
Aug 21, 2026
Fundamental Context
Forward P/E (Next Year Est.)
3.15
Wall Street Target
$6.85
(+86.6%)
Revenue Growth (YoY)
33.2%
Profit Margin
-49.6%
Valuation Discount vs History
-3.6% cheaper
PE vs Historical
3.2 vs 3.5
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-3.6%
(market-implied from PE analysis)
1-Year Target
$3.54
(-4%)
2-Year Target
$3.41
(-7%)
3-Year Target
$3.29
(-10%)
3-Yr Target (if PE normalizes)
(PE: 3→4)
$3.65
(-1%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.1, Growth: 20.5%)
$40.97
(+1016%)
Base:
(SPY PE: 3.2, Growth: 20.5%)
$6.42
(+75%)
Bear:
(PE: 2.7, Growth: 20.5%)
$5.46
(+49%)
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 3.2 to 3.5
Stabilization Target:
$4.08
(+11.1%)
PE Expansion Potential:
+11.1%
Share & Embed Analysis
Last updated: August 23, 2026 9:49 PM ET
Data refreshes hourly during market hours. Next update: 10:49 PM
Data refreshes hourly during market hours. Next update: 10:49 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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