RPAY Stock Analysis: Buy, Sell, or Hold?
RPAY - Repay Holdings Corporation Class A Common Stock
$2.58
0.01 (0.39%)
▲
5d:
-15.13%
30d:
-17.04%
90d:
-29.32%
HOLD
MODERATE Confidence
Analysis Updated: Apr 2, 2026 12:00 AM ET
Earnings: May 11, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: RPAY shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
📊 HOLD: RPAY shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$4.10
Based on 4.7% avg growth
INTRINSIC VALUE TODAY
$2.54
Trading above fair value
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 $2.58, which is considered oversold relative to its 30-day fair value range of $2.68 to $3.03. From a valuation perspective, the stock is trading at a discount (Forward PE: 2.8) compared to its historical average (3.5). Remarkably, the market is currently pricing in an annual earnings decline of 7.3% over the next few years. This aligns with recent fundamental challenges.
Technical Outlook: Technically, RPAY is in a strong downtrend. Immediate support is located at $2.40, while resistance sits at $3.33.
Market Sentiment: RPAY has a weak technical setup (25/100), with bearish trendlines and momentum suggesting caution for short-term entries. Wall Street analysts see significant upside, with an average price target of $6.57 (+154.7%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, RPAY is in a strong downtrend. Immediate support is located at $2.40, while resistance sits at $3.33.
Market Sentiment: RPAY has a weak technical setup (25/100), with bearish trendlines and momentum suggesting caution for short-term entries. Wall Street analysts see significant upside, with an average price target of $6.57 (+154.7%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
OVERSOLD
Fair Price Range
$2.68 -
$3.03
Company Quality Score
53/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
57.1%
All Signals
- BULLISH: Price oversold vs 30-day range
- BEARISH: Weak technical setup (25/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 154.7% below Wall St target ($6.57)
- CAUTION: 5-day price weakness (-15.1%) - monitor closely
Fair Price Analysis
30-Day Fair Range
$2.68 -
$3.03
Current vs Fair Value
OVERSOLD
Support & Resistance Levels
Support Level
$2.40
Resistance Level
$3.33
Current Trend
Strong Downtrend
Technical data as of
Apr 2, 2026
Fundamental Context
Forward P/E (Next Year Est.)
2.77
Wall Street Target
$6.57
(+154.7%)
Revenue Growth (YoY)
0.4%
Profit Margin
-83.0%
Valuation Discount vs History
-7.3% cheaper
PE vs Historical
2.8 vs 3.5
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-7.3%
(market-implied from PE analysis)
1-Year Target
$2.39
(-7%)
2-Year Target
$2.22
(-14%)
3-Year Target
$2.06
(-20%)
3-Yr Target (if PE normalizes)
(PE: 3→4)
$2.60
(+1%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.6, Growth: 5.3%)
$22.37
(+767%)
Base:
(SPY PE: 2.8, Growth: 5.3%)
$3.01
(+17%)
Bear:
(PE: 2.4, Growth: 5.3%)
$2.56
(-1%)
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 2.8 to 3.5
Stabilization Target:
$3.26
(+26.5%)
PE Expansion Potential:
+26.5%
Share & Embed Analysis
Last updated: April 02, 2026 5:33 PM ET
Data refreshes hourly during market hours. Next update: 6:33 PM
Data refreshes hourly during market hours. Next update: 6:33 PM
🔥 Top Stocks Breaking Out Now
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Technical Signals Check
Is RPAY showing a specific setup today?
Insider Activity (6 Months)
0
Buys
1
Sells
Net
INSIDERS SELLING
Recent Transactions
Richard E Thornburgh
SELL
4500 shares
2025-11-17
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