Repay HoldingsFRA:0YR +19.08%66 3-Year FCF Growth Rate is 22.40% as of Mar. 2026, which is at its 10-year median of 22.40. GuruFocus rates FRA:0YR with a GF Score™ of 66/100 and a GF Value™ of €7.89. The stock has 3 warning signs investors should review. Among 1,873 Software companies, Repay Holdings ranks better than 55.9% on this metric.
During the past 12 months, Repay Holdings's average Free Cash Flow per Share Growth Rate was -45.60% per year.
During the past 3 years, the average Free Cash Flow per Share Growth Rate was 22.40% per year.
During the past 5 years, the average Free Cash Flow per Share Growth Rate was 47.80% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Free Cash Flow per Share growth rate.
During the past 9 years, the highest 3-Year average Free Cash Flow per Share Growth Rate of Repay Holdings was 75.30% per year. The lowest was -69.00% per year. And the median was 22.40% per year.
Free Cash Flow per Share is the amount of Free Cash Flow per outstanding share of the company's stock. Free Cash Flow is considered one of the most important parameters to measure a company's earnings power by value investors because it is not subject to estimates of Depreciation, Depletion and Amortization (DDA). However, when we look at the Free Cash Flow, we should look from a long term perspective, because any year's Free Cash Flow can be drastically affected by the spending on Property, Plant, & Equipment (PPE) of the business in that year. Over the long term, Free Cash Flow should give pretty good picture on the real earnings power of the company. It's used in the calculation of Forward Rate of Return (Yacktman) %.
Repay Holdings 3-Year FCF Growth Rate Related Terms
FRA:0YR vs DVLT, ZPTA, PDYN: 3-Year FCF Growth Rate Comparison
For the Software - Infrastructure subindustry, Repay Holdings's 3-Year FCF Growth Rate, along with its competitors' market caps and 3-Year FCF Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Repay Holdings 3-Year FCF Growth Rate vs Software Industry
For the Software industry and Technology sector, Repay Holdings's 3-Year FCF Growth Rate distribution charts can be found below:
* The bar in red indicates where Repay Holdings's 3-Year FCF Growth Rate falls into.
This is the 3-year average growth rate of Free Cash Flow per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Free Cash Flow per Share growth rate.
What does a 3-Year FCF Growth Rate of 22.40% mean?
Repay Holdings (FRA:0YR) has a 3-Year FCF Growth Rate of 22.40% as of Mar. 2026. 3-Year FCF Growth Rate is the 3-year average growth rate of Free Cash Flow per Share. View historical data for Repay Holdings and its competitors. This is near median its historical median of 22.40. According to the industry distribution chart, Repay Holdings ranks #826 out of 1873 companies in the Software industry, placing it in the top 44.1%.
Is Repay Holdings' 3-Year FCF Growth Rate too high?
Repay Holdings' current 3-Year FCF Growth Rate of 22.40% is near median its 10-year median of 22.40. The Software industry median 3-Year FCF Growth Rate is 17.30. Repay Holdings' value of 22.40% is 29.5% above this industry median. Based on the distribution chart, Repay Holdings ranks #826 out of 1873 companies in the Software industry, which is above the industry midpoint. Overall, Repay Holdings has a GF Score™ of 66/100, reflecting its overall financial health beyond just this single metric.
How does Repay Holdings' 3-Year FCF Growth Rate compare to DVLT and ZPTA?
According to the Software industry distribution chart, Repay Holdings ranks #826 out of 1873 companies for 3-Year FCF Growth Rate. This puts Repay Holdings in the upper half of its industry. The industry median 3-Year FCF Growth Rate is 17.30. Repay Holdings' value of 22.40% is 29.5% above this benchmark. While the company's 10-year median is 22.40 vs. the industry median of 17.30, Repay Holdings has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year FCF Growth Rate for a Software company?
The median 3-Year FCF Growth Rate among Software companies is 17.30, based on 1,873 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year FCF Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year FCF Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Repay Holdings's current 3-Year FCF Growth Rate of 22.40% is 29.5% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year FCF Growth Rate mean?
A high 3-Year FCF Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year FCF Growth Rate is the 3-year average growth rate of Free Cash Flow per Share. View historical data for Repay Holdings and its competitors. For the Software industry, the median 3-Year FCF Growth Rate is 17.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Repay Holdings's current 3-Year FCF Growth Rate is 22.40%, which is near median its own 10-year median of 22.40. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Repay Holdings stock overvalued right now?
Repay Holdings (FRA:0YR) has a current 3-Year FCF Growth Rate of 22.40%. The stock's GF Value™ is €7.89, compared to a current price of €3.62 — trading 54.1% below its estimated fair value. The current 3-Year FCF Growth Rate is 22.40%, which is near median its 10-year median of 22.40 and 29.5% above the Software industry median of 17.30. Repay Holdings' overall GF Score™ is 66/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year FCF Growth Rate calculated?
3-Year FCF Growth Rate is calculated from a company's financial statements. For Repay Holdings (FRA:0YR), the current 3-Year FCF Growth Rate is 22.40% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Repay Holdings (FRA:0YR) Overvalued in 2026?
Based on GuruFocus' analysis, Repay Holdings stock appears to be undervalued.
The current stock price of €3.62 is trading 54.1% below its estimated GF Value™ of €7.89.
Key valuation signals for FRA:0YR:
3-Year FCF Growth Rate: 22.40% (near median its 10-year median of 22.40)
GF Value™: €7.89 vs. price of €3.62 (54.1% below fair value)
Industry Position: 29.5% above the Software median (#826 of 1873)
No single metric tells the full story. See the FRA:0YR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Repay Holdings Corp is a payments technology company. It provides integrated payment processing solutions to industry-oriented vertical markets in which businesses or other organizations have specific transaction processing needs. It allows customers to pay through Mobile App, Text, Interactive Voice Response, Virtual Terminal, Hosted Payment Page and Online Customer Portal among others. It operates in two segments Consumer Payments and Business Payments. The company generates majority of its revenue from Consumer Payments segment.
66GF Score
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