RPAY Stock Analysis: Buy, Sell, or Hold?
RPAY - Repay Holdings Corporation Class A Common Stock
$3.49
-0.05 (-1.41%)
▼
BUY
HIGH Confidence
Last Updated: January 30, 2026
Earnings: Mar 02, 2026
29d
Get Alerted When RPAY Hits Your Target Price
Join 10,000+ traders who never miss a move
You're in! Check your email to confirm and set your target price.
100% Free
No spam, ever
Unsubscribe anytime
Interactive Price Chart (1 Month)
Loading chart...
Loading historical data...
Bottom Line:
✅ BUY SIGNAL: RPAY shows strong fundamentals and good volume confirmation. Solid entry point despite oversold pricing.
✅ BUY SIGNAL: RPAY shows strong fundamentals and good volume confirmation. Solid entry point despite oversold pricing.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$5.35
Based on 8.4% avg growth
INTRINSIC VALUE TODAY
$3.32
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 3.8x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: RPAY is currently trading at $3.49, which is considered oversold relative to its 30-day fair value range of $3.51 to $3.72. The stock's valuation (Forward PE: 3.8) is in line with its historical norms (3.8). Remarkably, the market is currently pricing in an annual earnings decline of 0.4% 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 $3.38, while resistance sits at $3.73.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $7.71 (+117.9%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, RPAY is in a strong downtrend. Immediate support is located at $3.38, while resistance sits at $3.73.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $7.71 (+117.9%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
OVERSOLD
Fair Price Range
$3.51 -
$3.72
Company Quality Score
53/100
(HOLD)
Options IV Signal
50th percentile
(NORMAL)
Volume Confirmation
HIGH
Confidence Score
77.7%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Options fairly priced (IV 50th percentile)
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- BULLISH: Trading 117.9% below Wall St target ($7.71)
Fair Price Analysis
30-Day Fair Range
$3.51 -
$3.72
Current vs Fair Value
OVERSOLD
Expected Move (7 Days)
±$0.52
(14.8%)
Support & Resistance Levels
Support Level
$3.38
Resistance Level
$3.73
Current Trend
Strong Downtrend
Fundamental Context
Forward P/E (Next Year Est.)
3.75
Wall Street Target
$7.71
(+117.9%)
Revenue Growth (YoY)
-1.8%
Profit Margin
-39.1%
Valuation Discount vs History
-0.4% cheaper
PE vs Historical
3.8 vs 3.8
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-0.4%
(market-implied from PE analysis)
1-Year Target
$3.53
(0%)
2-Year Target
$3.51
(-1%)
3-Year Target
$3.50
(-1%)
3-Yr Target (if PE normalizes)
(PE: 4→4)
$3.55
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.3, Growth: 12.7%)
$30.15
(+752%)
Base:
(SPY PE: 3.7, Growth: 12.7%)
$5.07
(+43%)
Bear:
(PE: 3.2, Growth: 12.7%)
$4.31
(+22%)
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 3.7 to 3.8
Stabilization Target:
$3.59
(+1.4%)
PE Expansion Potential:
+1.4%
Last updated: January 31, 2026 1:03 PM ET
Data refreshes hourly during market hours. Next update: 2:03 PM
Data refreshes hourly during market hours. Next update: 2:03 PM
🔥 Top Stocks Breaking Out Now
| Ticker | Score | Recommendation | Change % |
|---|
Technical Signals Check
Is RPAY showing a specific setup today?
Insider Activity (6 Months)
0
Buys
1
Sells
Net
INSIDERS SELLING
Recent Transactions
Jacob Hamilton Moore
SELL
26385 shares
2025-09-12
Top Rated Software - Infrastructure Stocks
Top-rated stocks in Software - Infrastructure by analyst ratings.
| Stock | Analyst Consensus | Analyst Target | Tradestie Score |
|---|---|---|---|
|
MSFT
Microsoft Corporation |
STRONG BUY
61 analysts |
$618 | 55 HOLD |
|
GTLB
Gitlab Inc |
STRONG BUY
28 analysts |
$51 | 60 BUY |
|
CFLT
Confluent Inc |
STRONG BUY
36 analysts |
$31 | 57 HOLD |
|
ZS
Zscaler Inc |
STRONG BUY
46 analysts |
$323 | 60 HOLD |
|
MDB
MongoDB |
STRONG BUY
40 analysts |
$449 | 56 HOLD |
Advanced RPAY Option Strategies
Professional options setups generated by AI based on today's RPAY price and gamma walls.
